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In the public arena, “sponsors are moving away from pure defined benefit to more employee risk for contributions or benefits,” said Keith Brainard, Georgetown, Texas-based research director for the National Association of State Retirement Administrators.
“It's being done or looked at in virtually every state,” said Dana Bilyeu, NASRA's Portland, Ore. -based executive director.
The poster child in the U.S. for a shared-risk approach is the $95.4 billion Wisconsin Retirement System, Madison, which was designed from the start in 1982 to adjust employee contribution rates and reduce or eliminate retirees' annuity increases as needed. The system, one of the best-funded in the country, is 99.9% fu...
Moving to a shared-risk approach also takes politics out of the equation, with officials knowing beforehand what funding levels dictate which actions.
“You don't want to overreact in a politically sensitive environment,” said Mr. Kausch of Gabriel, Roeder. He said he thinks shared risk can go a long way to preserving DB plans, but he cautioned that such designs can't help plans with severe funding problems.
An upcoming issue brief from NASRA will examine both formal and de facto risk-sharing approaches taken by public pension systems.
The shared-risk idea has found footing in the Canadian province of New Brunswick, which is set to roll out a new plan design for public and private pension plans later this year that could be a catalyst for other governments throughout Canada.
That model splits benefits into two tiers, with base benefits that are constant and ancillary benefits that can be adjusted up or down, if funding levels or investment returns change. The model also dictates a strict risk management approach that requires annual stress testing and asset-liability modeling. The chief ar...
In May, Canadian government officials announced they would expand the New Brunswick model to federal crown corporations and private-sector pension plans that are federally regulated, such as defense, transportation and banking, which Mr. McCrossan estimates will cover about 8% of the country's population.
Each province will have to decide whether to implement the New Brunswick model for other workers.
The New Brunswick experience is being watched closely, particularly as a model for U.S. public sector plans, where it has the potential to relieve some stress on employers. Several plans in the U.S. have already seen relief from plan design changes that shifts more risk to participants.
For the $24.4 billion Nevada Public Employees' Retirement System, Carson City; the $26.9 billion Iowa Public Employees' Retirement System, Des Moines; and the $31.5 billion Arizona State Retirement System, Phoenix, risk sharing means employee contribution rates can be adjusted up or down, depending on the plan's funded...
In Iowa, all participants share the funding risk since legislators raised contribution rates to the current fiscal year's 14.88%, split 60/40 between employer and employee. The rate was 9.45% for nearly 30 years, but beginning in 2008, it increased gradually over four years, then took a bigger jump with 2010 reforms th...
Active members, now with a longer vesting period and higher retirement factors, also share the additional risk of having future benefits reduced if the legislature determines a decline in the actuarial condition.
The contribution rate changes, which cannot be undone unless funding hits 95%, will better prepare the system for future shocks by building up reserves. “I think we really brought some stability to the underlying benefit and provided some security to our members,” said Ms. Mueller, who credits participants' support for...
In Pennsylvania, people hired after June 2011 have a sliding scale of contribution rates that depend on investment performance. In 2015, when three years of investment results are measured, participants in the $50.5 billion Pennsylvania Public School Employees' Retirement System and the $25.7 billion Pennsylvania State...
This article originally appeared in the June 9, 2014 print issue as, "Shared-risk plan concept is gaining momentum".
The company has since apologized for "any offense this may have caused."
If you found yourself in Birmingham, Alabama, on Monday and contemplating eating a hamburger from Milo's Hamburgers, Google let you know that "Robert E. Lee's birthday might affect these hours." Happy MLK Day, everyone!
Due to an issue at Google, business listings in three states—Alabama, Arkansas, and Mississippi—were paired with this notification rather than acknowledging the holiday everyone else was honoring, Martin Luther King, Jr. Day. While these states actually do formally recognize the birthday of Robert E. Lee on the third M...
Google has since issued an apology.
"The holiday hours feature lets people know when a business could be closed or its hours could be different due to a holiday," the tech company said in a statement to Al.com. "Unfortunately, in the three states where Robert E Lee's birthday is recognized as well, the feature is not surfacing Martin Luther King Day as i...
Several people were injured in an explosion at a bakery in Central Paris, the local police reported on Saturday.
Al Jazeera reported that the blast occurred due to a gas leak in the bakery.
The Paris police prefecture took to Twitter, saying, "Rue de Treviso, alongside the Prime Minister, the Paris prosecutor, the @prefpolice and the Mayor of the capital. More than 200 @PompiersParis are engaged in rescue operations. The balance sheet looks heavy. My first thoughts are with the wounded and their loved one...
However, the police did not report any deaths.
This incident came when the French capital is witnessing the 'yellow-vests' protests for the ninth weekend against President Emmanuel Macron's economic policies, especially rising fuel and gas prices.
FELIPE Barcelos has bolstered Didcot Town’s attacking options after rejoining the Evo-Stik South League side.
The Brazilian, who has now signed for the club three times in his career, goes straight into the squad to face Yaxley at home in Division 1 Central tomorrow.
Barcelos, who departed Premier Division Central high-fliers Stratford Town, initially joined Didcot in October 2017 and went on to score 28 goals in 38 appearances.
His form helped the Railwaymen reach the play-offs and Southern League Challenge Cup final.
After rejecting a move to Banbury United, Barcelos re-signed for Didcot at the start of this season, scoring in his only home appearance against Aylesbury United, before joining Division 1 South side Moneyfields, whom he then departed for Stratford.
Boss Andy Ballard is thrilled to have the striker back on his books and, with the side sitting fourth in the table, is hoping the former Oxford City man can help the Railwaymen reach the play-offs again.
He said: “We're delighted to bring Felipe back to Didcot.
“He was a huge part of our success last season and knows what we're all about.
“It's an area of the field we have lacked a little bit of depth in and he brings the added firepower we need for these last 13 games of the season."
Thame United have also added to their squad, signing Craig Fasanmade on a dual registration deal from Oxford City.
Ohad Naharin, artistic director of the Batsheva Dance Company, is regarded as one of the most important choreographers in the world. Meeting him at a critical turning point in his personal life, this spirited and insightful documentary will introduce you to a man with great artistic integrity and an extraordinary visio...
Pets of all shapes and sizes put on their biggest smiles and kookiest costumes for the 7th annual Bark in the Park pet contest at Cole Park Saturday.
Some dogs just have what it takes to be a show pup.
And these doggos have it!
Every October near the Cole Park Amphitheater, dogs and their owners get dressed in the wildest of outfits at Thomas J. Henry's annual Bark in the Park.
This year, pets and their owners took it up a notch Saturday for a chance to win some cash for best costume.
The grand prize — $1,000.
From characters in Disney's "Frozen" to local fast food icons, check out some of the best pet costumes at the seventh-annual Bark in the Park.
Bailey the Yorkshire Terrier is no stranger to Bark in the Park.
In fact, she always outdoes her costumes every year, said Lindsey Dreyer, Bailey's owner along with Adam Dreyer.
Last year, Bailey was dressed up as Ariel from Disney's "The Little Mermaid" in a clam bed engineered to open and close via Bluetooth on Dreyer's phone. She won third place.
This year, Adam fixed up an animatronic All Terrain Scout Transport (AT-ST) Walker from the movie franchise "Star Wars."
The AT-ST Walker gives Bailey a chance to go mobile and greet people.
"It took me two months to build," he said. "We are ready to win this year ... we've done this for five years and we can't wait for next year."
Pug puppies Bella, Chata and Solo come from Bark in the Park royalty.
Last year, their mom, Pixie, won fourth place at the event, said owner Katrina Garcia.
This year, the three puppies were dressed as pug prizes in a claw machine.
"It took my daughter and I two weeks to put together," she said. "Pixie was pregnant with these three babies and now here they are going to win it for momma. We are going to win."
Shih Tzu puppy Jaxx knows how to make a good bark-arita. Really!
The 5-month-old pup was dressed as a bartender with his own security entourage.
Joe Figueroa, Jaxx's owner, said this year was the first time Jaxx participated in Bark in the Park.
"We thought he would make a cool bartender," he said. "He is black and white and looks great in a bow tie ... like a fancy bartender."
Bruno the Reindeer and Zero as Olaf from "Frozen"
These two doggos love to bring out their inner Disney character.
Bruno, a 5-year-old Great Dane, and Zero, a 2-year-old mix rescue, dressed up as a reindeer and Olaf from the movie "Frozen."
Of course, they had their friend Anna there to show her support.
Yukiko Rawson, Bruno and Zero's owner, said last year the two doggos and their family won the grand prize of $1,000 with their Beauty and the Beast ensemble.
"That was our first year doing Bark in the Park and we really wanted to keep it going this year," she said. "It took me two months to put their costumes together and we just have a lot of fun participating."
Sophie knows how to make your favorite Whataburger — just like you like it.
The 9-year-old boxer was dressed up as Whataburger employee, ready to serve some tasty Texas burgers.
"Corpus Christi is the home of the Whataburger so we had to make sure we represented," said Robert Green, Sophie's owner.
Green said the costume took a couple days to make.
"This is our first time participating at Bark in the Park and we wanted to go all out," he said.
Sky just wants to make sure you always have a "happy meal."
The 10-month-old Yorkshire terrier was dressed up as a McDonald's Employee of the Month ready to serve up some hot Corgi Pounders with cheese and a few Schnauzer McMuffins.
Stephanie Hinojosa, Sky's owner, said they got the inspiration to dress up the Yorkie pup as a McDonald's employee because of her love for chicken nuggets.
"Sky loves chicken nuggets," she said. "She loves to dress up so we thought ... let's make her a McDoggie's."
This 2-year-old Shi Tzu is no average H-E-B employee. She stocks the shelves and gives special treats to good puppies during their visit to the grocery store.
Mari Cerda, Mya's owner, said she dressed Mya up as an H-E-B employee because she's an employee herself.
"Our costume was a little last-minute but we thought what a great way to represent our love for H-E-B then have Mya dress up as an H-E-B employee."
This princess is not like your average pooch. She can fly!
Peach the parrot walked the runway in her poofy blue dress showing off her castle and colorful feathers.
"Peach is my service animal," said Brenda Rodriguez, Peach's owner. "I put her in the show because I thought it would be fun because she's always with me and loves wearing her favorite dress."
The 5-year-old Labrador mix is a huge football fan. Her favorite game is between the Dallas Cowboys and the Houston Texans.
Amy's costume featured two fans bringing in some good brewskis to a football game.
Rose Grijalva, Amy's owner, said she loves dressing up Amy in kooky costumes.
"We have fun together," she said. "This is our first time dressing up for Bark in the Park and we are excited to show our team spirit."
MALACANANG, March 29, 2006 (OFFICE OF THE PRESS SECRETARY) PGMA asks Congress anew to speed up passage of anti-terror bill.
President Gloria Macapagal-Arroyo condemned today "in the strongest terms" the terrorist attack in Jolo, Sulu on Monday which killed nine persons and left 20 others, including a seven-year-old girl, wounded.
In a statement this morning, the President also directed the armed forces and police to leave "no stone unturned in the hunt for the perpetrators and I ask our people to remain calm."
She said that security measures have been put in place to contain the terrorist threat and "prevent its resurgence anywhere" in the country as she expressed her sympathies to the families of the victims.
The President also directed the government health authorities to act immediately and treat wounded survivors of the blast.
"Terror never sleeps and we need to consistently carry out our comprehensive action plan to rid our country and the world of this grave threat," she added.
In the wake of the latest terrorist attack, the President prodded Congress anew to pass the proposed Anti-Terrorism Law to give law enforcement agencies "teeth" to effectively combat terrorism. The measure defines certain acts that would constitute terrorism such as indiscriminate acts against civilians and property, k...
It also outlaws illegal manufacturing or selling of chemicals and biological, radiological or nuclear agents that can be used as weapons of mass destruction.
"Once more and with a deep sense of urgency, I ask Congress to pass the anti-terrorism law that will enable our nation to constrict, contain and control this threat more effectively," the President said.
The bomb ripped through the ground floor of a two-storey commercial establishment along Serrantes street in downtown Jolo at around 1:15 Monday afternoon in what many have surmised to be the handiwork of Abu Sayyaf bandits.
I condemn in the strongest terms this most recent attack in Sulu. The Armed Forces and Police shall leave no stone unturned in the hunt for the perpetrators and I ask our people to remain calm and vigilant.
Meanwhile, firm security measures are in place to contain the threat of terror and prevent its resurgence anywhere in the land.
I sympathize with the families of the victims and direct that the treatment of the wounded be given priority by our health services.
Indeed, terror never sleeps and we need to consistently carry out our comprehensive action plan to rid our country and the world of this grave threat.
Once more, and with a deep sense of urgency, I ask Congress to pass the anti-terrorism law that will enable our nation to constrict, contain and control this threat more effectively.
The Palace has allowed the democratic process to run its course without any interference and we are glad that the people are responding to the call for transformation and change.