Actual JP Morgenthau Wrote:
-------------------------------------------------------
> I'm Worse than absolutely infantile. I'm Such a douche.


FIFY

Actual JP Morgenthau Wrote:
-------------------------------------------------------
> Worse than absolutely infantile. Such a douche.


Would you like to meet up and buttfuck sometime? I’ve never had my dick in an autistic man before. I bet it would be fun.

Davis store Wrote:
-------------------------------------------------------
> h brake Wrote:
> --------------------------------------------------
> -----
> > long beach Wrote:
> >
> ----------------------------------------33----------
>
> > -----
> > > Retired1 Wrote:
> > >
> >
> --------------------------------------------------
>
> >
> > > -----
> > > > Thank you for visiting the Retirement
> Section
> > > on
> > > > the City of Long Beach's Human Resources
> > > website.
> > > > Here you will find information about the
> > > > retirement benefits offered by the City
> > through
> > > > CalPERS, how to calculate your pension, how
> > to
> > > > apply, and other useful information about
> the
> > > > retirement system.
> > > >
> > > > For information on the retirement process,
> > > refer
> > > > to the City's "Retirement Guide". If you
> have
> > > any
> > > > additional questions, contact CalPERS at
> > (888)
> > > > 225-7377.
> > > >
> > > > CalPERS (What Is CalPERS)
> > > > The City of Long Beach contracts with the
> > > > California Public Employees' Retirement
> > System
> > > > (CalPERS) to manage our pension benefits.
> > > CalPERS
> > > > manages the pension and health benefits
> (the
> > > City
> > > > does not contract with CalPERS to provide
> > > health
> > > > care benefits) to more than 1.6 million
> > public
> > > > employees, retirees, and their families and
> > > more
> > > > than 3,000 employers.
> > > >
> > > > View more information on CalPERS.
> > > >
> > > > Click on the following links to access the
> > PDF
> > > > file of the City's various CalPERS Contract
> > > > Provisions for Miscellaneous Members, Fire
> > > Safety
> > > > Members, Police Safety Members and
> Lifeguard
> > > > Safety Member.
> > > >
> > > > Types Of Retirement
> > > > The City Offers Three Types Of Retirements:
> > > > Service Retirement, Disability Retirement
> And
> > > > Industrial Disability Retirement.
> > > >
> > > > Service Retirement
> > > > Service retirement is the general
> retirement
> > > from
> > > > employment after a minimum period of five
> > years
> > > of
> > > > CalPERS-credited service and attainment of
> > the
> > > > minimum age requirement.
> > > >
> > > > Disability Retirement
> > > > Disability retirement consists of a monthly
> > > > retirement allowance paid to you for the
> rest
> > > of
> > > > your life or until you recover from your
> > > disabling
> > > > injury or illness. The cause of your
> > disability
> > > > need not be related to your employment. To
> > > qualify
> > > > for disability retirement, you must be
> > > > substantially incapacited from performing
> > your
> > > job
> > > > duties, based upon a physical or mental
> > > condition
> > > > which is expected to be permanent or last
> > > > indefinitely. There is no minimum age
> > > requirement;
> > > > however, you must have at least five years
> of
> > > > CalPERS-credited service.
> > > >
> > > > Industrial Disability Retirement (Safety
> > Only)
> > > > If your disability is the result of a
> > > job-related
> > > > illness or injury, and you are a safety
> > > employee
> > > > (police officer/firefighter/lifeguard), you
> > may
> > > be
> > > > entitled to an industrial disability
> > > retirement.
> > > > If you retire, you will receive a monthly
> > > > retirement payment for the rest of your
> life
> > > (or
> > > > until you recover from your disabling
> injury
> > or
> > > > illness). There is no minimum age or
> service
> > > > requirement for an industrial disability
> > > > retirement.
> > > >
> > > > View PARS Online
> > > > Retirement Calculations
> > > > The CalPERS Retirement Estimate Calculator
> > can
> > > > help you estimate your future retirement
> > > benefits.
> > > > Since this is a planning tool, you may also
> > add
> > > > various retirement dates, salary
> information,
> > > and
> > > > future employment information to see how
> > these
> > > > changes could impact your benefits. Use the
> > > > Retirement Estimate Calculator with or
> > without
> > > a
> > > > password. If you have a password, the
> > > information
> > > > from your latest CalPERS Annual Member
> > > Statement
> > > > will be automatically added to the
> > Calculator.
> > > >
> > > > Reciprocity
> > > > CalPERS has an agreement with many
> California
> > > > public retirement systems, which allows you
> > to
> > > > move from one retirement system to the
> other
> > > > without loss of benefits. This is called
> > > > "reciprocity." These reciprocal agreements
> > may
> > > > allow you to coordinate your benefits
> between
> > > the
> > > > retirement systems when you retire.
> > Currently,
> > > you
> > > > must leave and enter into employment with a
> > > > reciprocal public agency within six months
> to
> > > be
> > > > eligible. For more specific details,
> > including
> > > a
> > > > list of those agencies with reciprocity
> > > agreements
> > > > with CalPERS, please visit the CalPERS page
> > and
> > > > download Publication 16. Please note there
> is
> > > > currently no reciprocity agreements between
> > > > CalPERS and the Los Angeles Police & Fire
> > > Pension
> > > > (LAFPP).
> > > >
> > > > For further information, review the CalPERS
> > > > publication "When You Change Retirement
> > > Systems",
> > > > contact CalPERS Member Services at (888)
> > > 225-7377
> > > > or schedule an appointment at a local
> CalPERS
> > > > Regional Office.
> > > >
> > > > Death Benefits
> > > > Pre-Retirement Death Benefits
> > > > Categories - If you die before you retire,
> > > CalPERS
> > > > provides several benefits for your family
> or
> > > the
> > > > beneficiary(ies) named by you. For
> > > miscellaneous
> > > > employees (non-safety), CalPERS divides
> > > > pre-retirement death benefits into two
> > > categories:
> > > > Not Eligible To Retire at the time of
> death,
> > > and
> > > > Eligible to Retire. For safety employees
> > (fire,
> > > > police & lifeguards), CalPERS divides the
> > > > pre-retirement death benefits into two
> > > categories:
> > > > Not Job-Related Death and Job-Related
> Death.
> > > >
> > > > Limited Death Benefit
> > > > To those who separate from CalPERS-covered
> > > > employment: upon your death, your
> beneficiary
> > > will
> > > > receive the limited death benefit (a refund
> > of
> > > > your contributions plus interest). No other
> > > > benefit will be payable, except as provided
> > by
> > > law
> > > > under special circumstances. The limited
> > death
> > > > benefit will be paid in the following
> order:
> > > (1)
> > > > your named beneficiary, or (2) spouse, or
> (3)
> > > > children, or (4) parents, or (5) brothers
> and
> > > > sisters, or (6) your estate if probated,
> (7)
> > > > trust, or (8) next of kin, as provided by
> > law.
> > > >
> > > > Naming A Beneficiary
> > > > To designate a beneficiary, or update an
> > > earlier
> > > > designation, you must fill out a CalPERS
> > > > Beneficiary Designation (form 0772). This
> > form
> > > is
> > > > available on the CalPERS website under
> > > > Publications. Certain death benefits allow
> > you
> > > to
> > > > name anyone you choose as a beneficiary. If
> > you
> > > > name a beneficiary and then (1) marry, (2)
> > > > initiate an annulment, or dissolution of
> > > marriage,
> > > > (3) have a child or adopt a child, (4)
> > > terminate
> > > > your employment and receive a refund of
> your
> > > > CalPERS contributions, your designation
> will,
> > > by
> > > > law, be revoked.
> > > >
> > > > Comparison Of Pre-Retirement Death Benefits
> > > > Local Miscellaneous (non-safety)
> > > > Local Safety
> > > >
> > > > Post-Retirement Death Benefits
> > > > When you retire, you may choose to receive
> > the
> > > > unmodified allowance, or you can take a
> > > reduction
> > > > to your allowance based on the option you
> > > select.
> > > >
> > > > The unmodified allowance is the highest
> > amount
> > > > payable to you that ends upon your death.
> > Each
> > > of
> > > > the options provides a benefit to your
> named
> > > > beneficiary after your death. Option 1
> > provides
> > > a
> > > > lump-sum payment of your remaining
> > > contributions.
> > > > Option 2, 2W, 3, 3W, or 4 provides a
> monthly
> > > > allowance. The reduction to your unmodified
> > > > allowance changes based on the option you
> > > choose.
> > > > "Option factors" are used to determine this
> > > > reduction. The amount of the reduction is
> > based
> > > on
> > > > tables that take into consideration your
> age
> > > and
> > > > the age of your beneficiary. More
> information
> > > on
> > > > the various options is available in the
> > CalPERS
> > > > Member Benefit publications.
> > > >
> > > > For further information, review the Death
> > > Benefits
> > > > section on the CalPERS website.
> > > >
> > > > How To Apply For CalPERS Retirement
> > > > It is suggested that you begin filling out
> > the
> > > > Retirement Election Application four to
> five
> > > > months before your anticipated retirement
> > date.
> > > > CalPERS does not want the application
> > submitted
> > > to
> > > > them more than 90 days prior to your
> > retirement
> > > > date. Refer to the City's "Retirement
> Guide"
> > > for
> > > > further information.
> > > >
> > > > After I Have Applied For Service
> Retirement,
> > May
> > > I
> > > > Change My Mind?
> > > > You may cancel/change your retirement any
> > time
> > > > before your first check is mailed, before
> > your
> > > > retirement date. If you do change your
> mind,
> > > > immediately contact CalPERS at (888)
> > 225-7377.
> > > If
> > > > you have completed the paperwork allocating
> > > your
> > > > unused sick leave, you also need to contact
> > > > Employee Benefits at 570-6523. Keep in mind
> > > that
> > > > your department has been notified of your
> > > > separation date, therefore, your department
> > > will
> > > > proceed with the City's separation document
> > > unless
> > > > you tell them otherwise. (If you wish to
> > return
> > > to
> > > > your position with the City contact your
> > > > supervisor to ensure there is still a
> > position
> > > > available for you.)
> > > >
> > > > Be advised that changes to your retirement
> > date
> > > > may result in a delay in you receiving your
> > > first
> > > > pension check from CalPERS.
> > > >
> > > > FAQs And Tips
> > > > Planning for your retirement may seem like
> a
> > > > daunting task. Educating yourself and
> > beginning
> > > > the process early (one year in advance of
> > your
> > > > projected retirement date) are key to a
> > smooth
> > > and
> > > > successful retirement application process.
> > The
> > > > City's "Retirement Guide" will steer you
> thru
> > > the
> > > > retirement application process.
> > > >
> > > > Health Insurance Costs For Retirees
> > > > At retirement, employees who are enrolled
> in
> > > > benefits may convert their unused hours of
> > sick
> > > > leave to pay for health, dental, vision and
> > > long
> > > > term care insurance premiums into
> retirement.
> > > >
> > > > View current retiree insurance premium
> > > > information.
> > > >
> > > > Please Note: Change of insurance providers
> > may
> > > > only be done during retiree open enrollment
> > > > annually. Any changes made will be
> effective
> > > > January 1st of the following year. If
> moving
> > > out
> > > > of state, you should contact Employee
> Benefits
> >
> > > at
> > > > (562) 570-6303 to check on the portability
> of
> > > your
> > > > insurance. If changes are necessary they
> will
> > > be
> > > > handled at the time of retirement or at a
> > later
> > > > date (when you move). Also, once you cancel
> > > your
> > > > insurance you may never re-enroll.
> > > >
> > > > CalPERS Special Power Of Attorney
> > > > A CalPERS Special Power of Attorney allows
> > you
> > > to
> > > > designate a representative or agent, known
> as
> > > your
> > > > attorney-in-fact, to conduct your
> retirement
> > > > affairs. Having a Special Power of Attorney
> > on
> > > > file with CalPERS ensures that your
> > designated
> > > > attorney-in-fact will be able to perform
> > > important
> > > > duties concerning your CalPERS business,
> such
> > > as
> > > > address changes; federal or state tax
> > > withholding
> > > > elections; lost or stolen retirement
> checks;
> > > > endorsing checks; beneficiary designations;
> > or
> > > > retirement benefit elections, should you
> > become
> > > > unable to act on your own behalf.
> > > >
> > > > Further information and the required form
> are
> > > > available on the CalPERS website; review
> the
> > > > publication CalPERS Special Power of
> > Attorney.
> > > > Read it over very carefully before
> > completing.
> > > To
> > > > be valid the form must be fully completed
> and
> > > must
> > > > be acknowledged before a notary public or
> > > signed
> > > > by two witnesses. The person agreeing to
> act
> > as
> > > > attorney-in-fact must also sign the form.
> Any
> > > > previous designations will be revoked by
> > > > completing a new form.
> > > >
> > > > In the event you have any questions
> > concerning
> > > the
> > > > effects of the appointment of an
> > > attorney-in-fact
> > > > you are strongly urged to seek legal
> advice.
> > > >
> > > > Retirement Forms
> > > > View CalPERS Forms
> > > > Retirement Living Calculator
> > > > This personal budget planning tool is
> > intended
> > > to
> > > > give the user a basic overview of the
> > potential
> > > > sources of income and expenses they may
> have
> > > > during retirement. This tool is not
> intended
> > to
> > > be
> > > > and/or replace professional advise and
> > planning
> > > > from a certified financial planner. Consult
> > > your
> > > > personal certified financial planner for
> more
> > > > accurate details.
> > > >
> > > > Download the calculator. Please note you
> must
> > > have
> > > > Microsoft Excel version 2013 or later.Thank
> > you
> > > > for visiting the Retirement Section on the
> > City
> > > of
> > > > Long Beach's Human Resources website. Here
> > you
> > > > will find information about the retirement
> > > > benefits offered by the City through
> CalPERS,
> > > how
> > > > to calculate your pension, how to apply,
> and
> > > other
> > > > useful information about the retirement
> > system.
> > > >
> > > > For information on the retirement process,
> > > refer
> > > > to the City's "Retirement Guide". If you
> have
> > > any
> > > > additional questions, contact CalPERS at
> > (888)
> > > > 225-7377.
> > > >
> > > > CalPERS (What Is CalPERS)
> > > > The City of Long Beach contracts with the
> > > > California Public Employees' Retirement
> > System
> > > > (CalPERS) to manage our pension benefits.
> > > CalPERS
> > > > manages the pension and health benefits
> (the
> > > City
> > > > does not contract with CalPERS to provide
> > > health
> > > > care benefits) to more than 1.6 million
> > public
> > > > employees, retirees, and their families and
> > > more
> > > > than 3,000 employers.
> > > >
> > > > View more information on CalPERS.
> > > >
> > > > Click on the following links to access the
> > PDF
> > > > file of the City's various CalPERS Contract
> > > > Provisions for Miscellaneous Members, Fire
> > > Safety
> > > > Members, Police Safety Members and
> Lifeguard
> > > > Safety Member.
> > > >
> > > > Types Of Retirement
> > > > The City Offers Three Types Of Retirements:
> > > > Service Retirement, Disability Retirement
> And
> > > > Industrial Disability Retirement.
> > > >
> > > > Service Retirement
> > > > Service retirement is the general
> retirement
> > > from
> > > > employment after a minimum period of five
> > years
> > > of
> > > > CalPERS-credited service and attainment of
> > the
> > > > minimum age requirement.
> > > >
> > > > Disability Retirement
> > > > Disability retirement consists of a monthly
> > > > retirement allowance paid to you for the
> rest
> > > of
> > > > your life or until you recover from your
> > > disabling
> > > > injury or illness. The cause of your
> > disability
> > > > need not be related to your employment. To
> > > qualify
> > > > for disability retirement, you must be
> > > > substantially incapacited from performing
> > your
> > > job
> > > > duties, based upon a physical or mental
> > > condition
> > > > which is expected to be permanent or last
> > > > indefinitely. There is no minimum age
> > > requirement;
> > > > however, you must have at least five years
> of
> > > > CalPERS-credited service.
> > > >
> > > > Industrial Disability Retirement (Safety
> > Only)
> > > > If your disability is the result of a
> > > job-related
> > > > illness or injury, and you are a safety
> > > employee
> > > > (police officer/firefighter/lifeguard), you
> > may
> > > be
> > > > entitled to an industrial disability
> > > retirement.
> > > > If you retire, you will receive a monthly
> > > > retirement payment for the rest of your
> life
> > > (or
> > > > until you recover from your disabling
> injury
> > or
> > > > illness). There is no minimum age or
> service
> > > > requirement for an industrial disability
> > > > retirement.
> > > >
> > > > View PARS Online
> > > > Retirement Calculations
> > > > The CalPERS Retirement Estimate Calculator
> > can
> > > > help you estimate your future retirement
> > > benefits.
> > > > Since this is a planning tool, you may also
> > add
> > > > various retirement dates, salary
> information,
> > > and
> > > > future employment information to see how
> > these
> > > > changes could impact your benefits. Use the
> > > > Retirement Estimate Calculator with or
> > without
> > > a
> > > > password. If you have a password, the
> > > information
> > > > from your latest CalPERS Annual Member
> > > Statement
> > > > will be automatically added to the
> > Calculator.
> > > >
> > > > Reciprocity
> > > > CalPERS has an agreement with many
> California
> > > > public retirement systems, which allows you
> > to
> > > > move from one retirement system to the
> other
> > > > without loss of benefits. This is called
> > > > "reciprocity." These reciprocal agreements
> > may
> > > > allow you to coordinate your benefits
> between
> > > the
> > > > retirement systems when you retire.
> > Currently,
> > > you
> > > > must leave and enter into employment with a
> > > > reciprocal public agency within six months
> to
> > > be
> > > > eligible. For more specific details,
> > including
> > > a
> > > > list of those agencies with reciprocity
> > > agreements
> > > > with CalPERS, please visit the CalPERS page
> > and
> > > > download Publication 16. Please note there
> is
> > > > currently no reciprocity agreements between
> > > > CalPERS and the Los Angeles Police & Fire
> > > Pension
> > > > (LAFPP).
> > > >
> > > > For further information, review the CalPERS
> > > > publication "When You Change Retirement
> > > Systems",
> > > > contact CalPERS Member Services at (888)
> > > 225-7377
> > > > or schedule an appointment at a local
> CalPERS
> > > > Regional Office.
> > > >
> > > > Death Benefits
> > > > Pre-Retirement Death Benefits
> > > > Categories - If you die before you retire,
> > > CalPERS
> > > > provides several benefits for your family
> or
> > > the
> > > > beneficiary(ies) named by you. For
> > > miscellaneous
> > > > employees (non-safety), CalPERS divides
> > > > pre-retirement death benefits into two
> > > categories:
> > > > Not Eligible To Retire at the time of
> death,
> > > and
> > > > Eligible to Retire. For safety employees
> > (fire,
> > > > police & lifeguards), CalPERS divides the
> > > > pre-retirement death benefits into two
> > > categories:
> > > > Not Job-Related Death and Job-Related
> Death.
> > > >
> > > > Limited Death Benefit
> > > > To those who separate from CalPERS-covered
> > > > employment: upon your death, your
> beneficiary
> > > will
> > > > receive the limited death benefit (a refund
> > of
> > > > your contributions plus interest). No other
> > > > benefit will be payable, except as provided
> > by
> > > law
> > > > under special circumstances. The limited
> > death
> > > > benefit will be paid in the following
> order:
> > > (1)
> > > > your named beneficiary, or (2) spouse, or
> (3)
> > > > children, or (4) parents, or (5) brothers
> and
> > > > sisters, or (6) your estate if probated,
> (7)
> > > > trust, or (8) next of kin, as provided by
> > law.
> > > >
> > > > Naming A Beneficiary
> > > > To designate a beneficiary, or update an
> > > earlier
> > > > designation, you must fill out a CalPERS
> > > > Beneficiary Designation (form 0772). This
> > form
> > > is
> > > > available on the CalPERS website under
> > > > Publications. Certain death benefits allow
> > you
> > > to
> > > > name anyone you choose as a beneficiary. If
> > you
> > > > name a beneficiary and then (1) marry, (2)
> > > > initiate an annulment, or dissolution of
> > > marriage,
> > > > (3) have a child or adopt a child, (4)
> > > terminate
> > > > your employment and receive a refund of
> your
> > > > CalPERS contributions, your designation
> will,
> > > by
> > > > law, be revoked.
> > > >
> > > > Comparison Of Pre-Retirement Death Benefits
> > > > Local Miscellaneous (non-safety)
> > > > Local Safety
> > > >
> > > > Post-Retirement Death Benefits
> > > > When you retire, you may choose to receive
> > the
> > > > unmodified allowance, or you can take a
> > > reduction
> > > > to your allowance based on the option you
> > > select.
> > > >
> > > > The unmodified allowance is the highest
> > amount
> > > > payable to you that ends upon your death.
> > Each
> > > of
> > > > the options provides a benefit to your
> named
> > > > beneficiary after your death. Option 1
> > provides
> > > a
> > > > lump-sum payment of your remaining
> > > contributions.
> > > > Option 2, 2W, 3, 3W, or 4 provides a
> monthly
> > > > allowance. The reduction to your unmodified
> > > > allowance changes based on the option you
> > > choose.
> > > > "Option factors" are used to determine this
> > > > reduction. The amount of the reduction is
> > based
> > > on
> > > > tables that take into consideration your
> age
> > > and
> > > > the age of your beneficiary. More
> information
> > > on
> > > > the various options is available in the
> > CalPERS
> > > > Member Benefit publications.
> > > >
> > > > For further information, review the Death
> > > Benefits
> > > > section on the CalPERS website.
> > > >
> > > > How To Apply For CalPERS Retirement
> > > > It is suggested that you begin filling out
> > the
> > > > Retirement Election Application four to
> five
> > > > months before your anticipated retirement
> > date.
> > > > CalPERS does not want the application
> > submitted
> > > to
> > > > them more than 90 days prior to your
> > retirement
> > > > date. Refer to the City's "Retirement
> Guide"
> > > for
> > > > further information.
> > > >
> > > > After I Have Applied For Service
> Retirement,
> > May
> > > I
> > > > Change My Mind?
> > > > You may cancel/change your retirement any
> > time
> > > > before your first check is mailed, before
> > your
> > > > retirement date. If you do change your
> mind,
> > > > immediately contact CalPERS at (888)
> > 225-7377.
> > > If
> > > > you have completed the paperwork allocating
> > > your
> > > > unused sick leave, you also need to contact
> > > > Employee Benefits at 570-6523. Keep in mind
> > > that
> > > > your department has been notified of your
> > > > separation date, therefore, your department
> > > will
> > > > proceed with the City's separation document
> > > unless
> > > > you tell them otherwise. (If you wish to
> > return
> > > to
> > > > your position with the City contact your
> > > > supervisor to ensure there is still a
> > position
> > > > available for you.)
> > > >
> > > > Be advised that changes to your retirement
> > date
> > > > may result in a delay in you receiving your
> > > first
> > > > pension check from CalPERS.
> > > >
> > > > FAQs And Tips
> > > > Planning for your retirement may seem like
> a
> > > > daunting task. Educating yourself and
> > beginning
> > > > the process early (one year in advance of
> > your
> > > > projected retirement date) are key to a
> > smooth
> > > and
> > > > successful retirement application process.
> > The
> > > > City's "Retirement Guide" will steer you
> thru
> > > the
> > > > retirement application process.
> > > >
> > > > Health Insurance Costs For Retirees
> > > > At retirement, employees who are enrolled
> in
> > > > benefits may convert their unused hours of
> > sick
> > > > leave to pay for health, dental, vision and
> > > long
> > > > term care insurance premiums into
> retirement.
> > > >
> > > > View current retiree insurance premium
> > > > information.
> > > >
> > > > Please Note: Change of insurance providers
> > may
> > > > only be done during retiree open enrollment
> > > > annually. Any changes made will be
> effective
> > > > January 1st of the following year. If
> moving
> > > out
> > > > of state, you should contact Employee
> Benefits
> >
> > > at
> > > > (562) 570-6303 to check on the portability
> of
> > > your
> > > > insurance. If changes are necessary they
> will
> > > be
> > > > handled at the time of retirement or at a
> > later
> > > > date (when you move). Also, once you cancel
> > > your
> > > > insurance you may never re-enroll.
> > > >
> > > > CalPERS Special Power Of Attorney
> > > > A CalPERS Special Power of Attorney allows
> > you
> > > to
> > > > designate a representative or agent, known
> as
> > > your
> > > > attorney-in-fact, to conduct your
> retirement
> > > > affairs. Having a Special Power of Attorney
> > on
> > > > file with CalPERS ensures that your
> > designated
> > > > attorney-in-fact will be able to perform
> > > important
> > > > duties concerning your CalPERS business,
> such
> > > as
> > > > address changes; federal or state tax
> > > withholding
> > > > elections; lost or stolen retirement
> checks;
> > > > endorsing checks; beneficiary designations;
> > or
> > > > retirement benefit elections, should you
> > become
> > > > unable to act on your own behalf.
> > > >
> > > > Further information and the required form
> are
> > > > available on the CalPERS website; review
> the
> > > > publication CalPERS Special Power of
> > Attorney.
> > > > Read it over very carefully before
> > completing.
> > > To
> > > > be valid the form must be fully completed
> and
> > > must
> > > > be acknowledged before a notary public or
> > > signed
> > > > by two witnesses. The person agreeing to
> act
> > as
> > > > attorney-in-fact must also sign the form.
> Any
> > > > previous designations will be revoked by
> > > > completing a new form.
> > > >
> > > > In the event you have any questions
> > concerning
> > > the
> > > > effects of the appointment of an
> > > attorney-in-fact
> > > > you are strongly urged to seek legal
> advice.
> > > >
> > > > Retirement Forms
> > > > View CalPERS Forms
> > > > Retirement Living Calculator
> > > > This personal budget planning tool is
> > intended
> > > to
> > > > give the user a basic overview of the
> > potential
> > > > sources of income and expenses they may
> have
> > > > during retirement. This tool is not
> intended
> > to
> > > be
> > > > and/or replace professional advise and
> > planning
> > > > from a certified financial planner. Consult
> > > your
> > > > personal certified financial planner for
> more
> > > > accurate details.
> > > >
> > > > Download the calculator. Please note you
> must
> > > have
> > > > Microsoft Excel version 2013 or laterThank
> > you
> > > for
> > > > visiting the Retirement Section on the City
> > of
> > > > Long Beach's Human Resources website. Here
> > you
> > > > will find information about the retirement
> > > > benefits offered by the City through
> CalPERS,
> > > how
> > > > to calculate your pension, how to apply,
> and
> > > other
> > > > useful information about the retirement
> > system.
> > > >
> > > > For information on the retirement process,
> > > refer
> > > > to the City's "Retirement Guide". If you
> have
> > > any
> > > > additional questions, contact CalPERS at
> > (888)
> > > > 225-7377.
> > > >
> > > > CalPERS (What Is CalPERS)
> > > > The City of Long Beach contracts with the
> > > > California Public Employees' Retirement
> > System
> > > > (CalPERS) to manage our pension benefits.
> > > CalPERS
> > > > manages the pension and health benefits
> (the
> > > City
> > > > does not contract with CalPERS to provide
> > > health
> > > > care benefits) to more than 1.6 million
> > public
> > > > employees, retirees, and their families and
> > > more
> > > > than 3,000 employers.
> > > >
> > > > View more information on CalPERS.
> > > >
> > > > Click on the following links to access the
> > PDF
> > > > file of the City's various CalPERS Contract
> > > > Provisions for Miscellaneous Members, Fire
> > > Safety
> > > > Members, Police Safety Members and
> Lifeguard
> > > > Safety Member.
> > > >
> > > > Types Of Retirement
> > > > The City Offers Three Types Of Retirements:
> > > > Service Retirement, Disability Retirement
> And
> > > > Industrial Disability Retirement.
> > > >
> > > > Service Retirement
> > > > Service retirement is the general
> retirement
> > > from
> > > > employment after a minimum period of five
> > years
> > > of
> > > > CalPERS-credited service and attainment of
> > the
> > > > minimum age requirement.
> > > >
> > > > Disability Retirement
> > > > Disability retirement consists of a monthly
> > > > retirement allowance paid to you for the
> rest
> > > of
> > > > your life or until you recover from your
> > > disabling
> > > > injury or illness. The cause of your
> > disability
> > > > need not be related to your employment. To
> > > qualify
> > > > for disability retirement, you must be
> > > > substantially incapacited from performing
> > your
> > > job
> > > > duties, based upon a physical or mental
> > > condition
> > > > which is expected to be permanent or last
> > > > indefinitely. There is no minimum age
> > > requirement;
> > > > however, you must have at least five years
> of
> > > > CalPERS-credited service.
> > > >
> > > > Industrial Disability Retirement (Safety
> > Only)
> > > > If your disability is the result of a
> > > job-related
> > > > illness or injury, and you are a safety
> > > employee
> > > > (police officer/firefighter/lifeguard), you
> > may
> > > be
> > > > entitled to an industrial disability
> > > retirement.
> > > > If you retire, you will receive a monthly
> > > > retirement payment for the rest of your
> life
> > > (or
> > > > until you recover from your disabling
> injury
> > or
> > > > illness). There is no minimum age or
> service
> > > > requirement for an industrial disability
> > > > retirement.
> > > >
> > > > View PARS Online
> > > > Retirement Calculations
> > > > The CalPERS Retirement Estimate Calculator
> > can
> > > > help you estimate your future retirement
> > > benefits.
> > > > Since this is a planning tool, you may also
> > add
> > > > various retirement dates, salary
> information,
> > > and
> > > > future employment information to see how
> > these
> > > > changes could impact your benefits. Use the
> > > > Retirement Estimate Calculator with or
> > without
> > > a
> > > > password. If you have a password, the
> > > information
> > > > from your latest CalPERS Annual Member
> > > Statement
> > > > will be automatically added to the
> > Calculator.
> > > >
> > > > Reciprocity
> > > > CalPERS has an agreement with many
> California
> > > > public retirement systems, which allows you
> > to
> > > > move from one retirement system to the
> other
> > > > without loss of benefits. This is called
> > > > "reciprocity." These reciprocal agreements
> > may
> > > > allow you to coordinate your benefits
> between
> > > the
> > > > retirement systems when you retire.
> > Currently,
> > > you
> > > > must leave and enter into employment with a
> > > > reciprocal public agency within six months
> to
> > > be
> > > > eligible. For more specific details,
> > including
> > > a
> > > > list of those agencies with reciprocity
> > > agreements
> > > > with CalPERS, please visit the CalPERS page
> > and
> > > > download Publication 16. Please note there
> is
> > > > currently no reciprocity agreements between
> > > > CalPERS and the Los Angeles Police & Fire
> > > Pension
> > > > (LAFPP).
> > > >
> > > > For further information, review the CalPERS
> > > > publication "When You Change Retirement
> > > Systems",
> > > > contact CalPERS Member Services at (888)
> > > 225-7377
> > > > or schedule an appointment at a local
> CalPERS
> > > > Regional Office.
> > > >
> > > > Death Benefits
> > > > Pre-Retirement Death Benefits
> > > > Categories - If you die before you retire,
> > > CalPERS
> > > > provides several benefits for your family
> or
> > > the
> > > > beneficiary(ies) named by you. For
> > > miscellaneous
> > > > employees (non-safety), CalPERS divides
> > > > pre-retirement death benefits into two
> > > categories:
> > > > Not Eligible To Retire at the time of
> death,
> > > and
> > > > Eligible to Retire. For safety employees
> > (fire,
> > > > police & lifeguards), CalPERS divides the
> > > > pre-retirement death benefits into two
> > > categories:
> > > > Not Job-Related Death and Job-Related
> Death.
> > > >
> > > > Limited Death Benefit
> > > > To those who separate from CalPERS-covered
> > > > employment: upon your death, your
> beneficiary
> > > will
> > > > receive the limited death benefit (a refund
> > of
> > > > your contributions plus interest). No other
> > > > benefit will be payable, except as provided
> > by
> > > law
> > > > under special circumstances. The limited
> > death
> > > > benefit will be paid in the following
> order:
> > > (1)
> > > > your named beneficiary, or (2) spouse, or
> (3)
> > > > children, or (4) parents, or (5) brothers
> and
> > > > sisters, or (6) your estate if probated,
> (7)
> > > > trust, or (8) next of kin, as provided by
> > law.
> > > >
> > > > Naming A Beneficiary
> > > > To designate a beneficiary, or update an
> > > earlier
> > > > designation, you must fill out a CalPERS
> > > > Beneficiary Designation (form 0772). This
> > form
> > > is
> > > > available on the CalPERS website under
> > > > Publications. Certain death benefits allow
> > you
> > > to
> > > > name anyone you choose as a beneficiary. If
> > you
> > > > name a beneficiary and then (1) marry, (2)
> > > > initiate an annulment, or dissolution of
> > > marriage,
> > > > (3) have a child or adopt a child, (4)
> > > terminate
> > > > your employment and receive a refund of
> your
> > > > CalPERS contributions, your designation
> will,
> > > by
> > > > law, be revoked.
> > > >
> > > > Comparison Of Pre-Retirement Death Benefits
> > > > Local Miscellaneous (non-safety)
> > > > Local Safety
> > > >
> > > > Post-Retirement Death Benefits
> > > > When you retire, you may choose to receive
> > the
> > > > unmodified allowance, or you can take a
> > > reduction
> > > > to your allowance based on the option you
> > > select.
> > > >
> > > > The unmodified allowance is the highest
> > amount
> > > > payable to you that ends upon your death.
> > Each
> > > of
> > > > the options provides a benefit to your
> named
> > > > beneficiary after your death. Option 1
> > provides
> > > a
> > > > lump-sum payment of your remaining
> > > contributions.
> > > > Option 2, 2W, 3, 3W, or 4 provides a
> monthly
> > > > allowance. The reduction to your unmodified
> > > > allowance changes based on the option you
> > > choose.
> > > > "Option factors" are used to determine this
> > > > reduction. The amount of the reduction is
> > based
> > > on
> > > > tables that take into consideration your
> age
> > > and
> > > > the age of your beneficiary. More
> information
> > > on
> > > > the various options is available in the
> > CalPERS
> > > > Member Benefit publications.
> > > >
> > > > For further information, review the Death
> > > Benefits
> > > > section on the CalPERS website.
> > > >
> > > > How To Apply For CalPERS Retirement
> > > > It is suggested that you begin filling out
> > the
> > > > Retirement Election Application four to
> five
> > > > months before your anticipated retirement
> > date.
> > > > CalPERS does not want the application
> > submitted
> > > to
> > > > them more than 90 days prior to your
> > retirement
> > > > date. Refer to the City's "Retirement
> Guide"
> > > for
> > > > further information.
> > > >
> > > > After I Have Applied For Service
> Retirement,
> > May
> > > I
> > > > Change My Mind?
> > > > You may cancel/change your retirement any
> > time
> > > > before your first check is mailed, before
> > your
> > > > retirement date. If you do change your
> mind,
> > > > immediately contact CalPERS at (888)
> > 225-7377.
> > > If
> > > > you have completed the paperwork allocating
> > > your
> > > > unused sick leave, you also need to contact
> > > > Employee Benefits at 570-6523. Keep in mind
> > > that
> > > > your department has been notified of your
> > > > separation date, therefore, your department
> > > will
> > > > proceed with the City's separation document
> > > unless
> > > > you tell them otherwise. (If you wish to
> > return
> > > to
> > > > your position with the City contact your
> > > > supervisor to ensure there is still a
> > position
> > > > available for you.)
> > > >
> > > > Be advised that changes to your retirement
> > date
> > > > may result in a delay in you receiving your
> > > first
> > > > pension check from CalPERS.
> > > >
> > > > FAQs And Tips
> > > > Planning for your retirement may seem like
> a
> > > > daunting task. Educating yourself and
> > beginning
> > > > the process early (one year in advance of
> > your
> > > > projected retirement date) are key to a
> > smooth
> > > and
> > > > successful retirement application process.
> > The
> > > > City's "Retirement Guide" will steer you
> thru
> > > the
> > > > retirement application process.
> > > >
> > > > Health Insurance Costs For Retirees
> > > > At retirement, employees who are enrolled
> in
> > > > benefits may convert their unused hours of
> > sick
> > > > leave to pay for health, dental, vision and
> > > long
> > > > term care insurance premiums into
> retirement.
> > > >
> > > > View current retiree insurance premium
> > > > information.
> > > >
> > > > Please Note: Change of insurance providers
> > may
> > > > only be done during retiree open enrollment
> > > > annually. Any changes made will be
> effective
> > > > January 1st of the following year. If
> moving
> > > out
> > > > of state, you should contact Employee
> Benefits
> >
> > > at
> > > > (562) 570-6303 to check on the portability
> of
> > > your
> > > > insurance. If changes are necessary they
> will
> > > be
> > > > handled at the time of retirement or at a
> > later
> > > > date (when you move). Also, once you cancel
> > > your
> > > > insurance you may never re-enroll.
> > > >
> > > > CalPERS Special Power Of Attorney
> > > > A CalPERS Special Power of Attorney allows
> > you
> > > to
> > > > designate a representative or agent, known
> as
> > > your
> > > > attorney-in-fact, to conduct your
> retirement
> > > > affairs. Having a Special Power of Attorney
> > on
> > > > file with CalPERS ensures that your
> > designated
> > > > attorney-in-fact will be able to perform
> > > important
> > > > duties concerning your CalPERS business,
> such
> > > as
> > > > address changes; federal or state tax
> > > withholding
> > > > elections; lost or stolen retirement
> checks;
> > > > endorsing checks; beneficiary designations;
> > or
> > > > retirement benefit elections, should you
> > become
> > > > unable to act on your own behalf.
> > > >
> > > > Further information and the required form
> are
> > > > available on the CalPERS website; review
> the
> > > > publication CalPERS Special Power of
> > Attorney.
> > > > Read it over very carefully before
> > completing.
> > > To
> > > > be valid the form must be fully completed
> and
> > > must
> > > > be acknowledged before a notary public or
> > > signed
> > > > by two witnesses. The person agreeing to
> act
> > as
> > > > attorney-in-fact must also sign the form.
> Any
> > > > previous designations will be revoked by
> > > > completing a new form.
> > > >
> > > > In the event you have any questions
> > concerning
> > > the
> > > > effects of the appointment of an
> > > attorney-in-fact
> > > > you are strongly urged to seek legal
> advice.
> > > >
> > > > Retirement Forms
> > > > View CalPERS Forms
> > > > Retirement Living Calculator
> > > > This personal budget planning tool is
> > intended
> > > to
> > > > give the user a basic overview of the
> > potential
> > > > sources of income and expenses they may
> have
> > > > during retirement. This tool is not
> intended
> > to
> > > be
> > > > and/or replace professional advise and
> > planning
> > > > from a certified financial planner. Consult
> > > your
> > > > personal certified financial planner for
> more
> > > > accurate details.
> > > >
> > > > Download the calculator. Please note you
> must
> > > have
> > > > Microsoft Excel version 2013 or later.
> > > >
> > > > Thank you for visiting the Retirement
> Section
> > > on
> > > > the City of Long Beach's Human Resources
> > > website.
> > > > Here you will find information about the
> > > > retirement benefits offered by the City
> > through
> > > > CalPERS, how to calculate your pension, how
> > to
> > > > apply, and other useful information about
> the
> > > > retirement system.
> > > >
> > > > For information on the retirement process,
> > > refer
> > > > to the City's "Retirement Guide". If you
> have
> > > any
> > > > additional questions, contact CalPERS at
> > (888)
> > > > 225-7377.
> > > >
> > > > CalPERS (What Is CalPERS)
> > > > The City of Long Beach contracts with the
> > > > California Public Employees' Retirement
> > System
> > > > (CalPERS) to manage our pension benefits.
> > > CalPERS
> > > > manages the pension and health benefits
> (the
> > > City
> > > > does not contract with CalPERS to provide
> > > health
> > > > care benefits) to more than 1.6 million
> > public
> > > > employees, retirees, and their families and
> > > more
> > > > than 3,000 employers.
> > > >
> > > > View more information on CalPERS.
> > > >
> > > > Click on the following links to access the
> > PDF
> > > > file of the City's various CalPERS Contract
> > > > Provisions for Miscellaneous Members, Fire
> > > Safety
> > > > Members, Police Safety Members and
> Lifeguard
> > > > Safety Member.
> > > >
> > > > Types Of Retirement
> > > > The City Offers Three Types Of Retirements:
> > > > Service Retirement, Disability Retirement
> And
> > > > Industrial Disability Retirement.
> > > >
> > > > Service Retirement
> > > > Service retirement is the general
> retirement
> > > from
> > > > employment after a minimum period of five
> > years
> > > of
> > > > CalPERS-credited service and attainment of
> > the
> > > > minimum age requirement.
> > > >
> > > > Disability Retirement
> > > > Disability retirement consists of a monthly
> > > > retirement allowance paid to you for the
> rest
> > > of
> > > > your life or until you recover from your
> > > disabling
> > > > injury or illness. The cause of your
> > disability
> > > > need not be related to your employment. To
> > > qualify
> > > > for disability retirement, you must be
> > > > substantially incapacited from performing
> > your
> > > job
> > > > duties, based upon a physical or mental
> > > condition
> > > > which is expected to be permanent or last
> > > > indefinitely. There is no minimum age
> > > requirement;
> > > > however, you must have at least five years
> of
> > > > CalPERS-credited service.
> > > >
> > > > Industrial Disability Retirement (Safety
> > Only)
> > > > If your disability is the result of a
> > > job-related
> > > > illness or injury, and you are a safety
> > > employee
> > > > (police officer/firefighter/lifeguard), you
> > may
> > > be
> > > > entitled to an industrial disability
> > > retirement.
> > > > If you retire, you will receive a monthly
> > > > retirement payment for the rest of your
> life
> > > (or
> > > > until you recover from your disabling
> injury
> > or
> > > > illness). There is no minimum age or
> service
> > > > requirement for an industrial disability
> > > > retirement.
> > > >
> > > > View PARS Online
> > > > Retirement Calculations
> > > > The CalPERS Retirement Estimate Calculator
> > can
> > > > help you estimate your future retirement
> > > benefits.
> > > > Since this is a planning tool, you may also
> > add
> > > > various retirement dates, salary
> information,
> > > and
> > > > future employment information to see how
> > these
> > > > changes could impact your benefits. Use the
> > > > Retirement Estimate Calculator with or
> > without
> > > a
> > > > password. If you have a password, the
> > > information
> > > > from your latest CalPERS Annual Member
> > > Statement
> > > > will be automatically added to the
> > Calculator.
> > > >
> > > > Reciprocity
> > > > CalPERS has an agreement with many
> California
> > > > public retirement systems, which allows you
> > to
> > > > move from one retirement system to the
> other
> > > > without loss of benefits. This is called
> > > > "reciprocity." These reciprocal agreements
> > may
> > > > allow you to coordinate your benefits
> between
> > > the
> > > > retirement systems when you retire.
> > Currently,
> > > you
> > > > must leave and enter into employment with a
> > > > reciprocal public agency within six months
> to
> > > be
> > > > eligible. For more specific details,
> > including
> > > a
> > > > list of those agencies with reciprocity
> > > agreements
> > > > with CalPERS, please visit the CalPERS page
> > and
> > > > download Publication 16. Please note there
> is
> > > > currently no reciprocity agreements between
> > > > CalPERS and the Los Angeles Police & Fire
> > > Pension
> > > > (LAFPP).
> > > >
> > > > For further information, review the CalPERS
> > > > publication "When You Change Retirement
> > > Systems",
> > > > contact CalPERS Member Services at (888)
> > > 225-7377
> > > > or schedule an appointment at a local
> CalPERS
> > > > Regional Office.
> > > >
> > > > Death Benefits
> > > > Pre-Retirement Death Benefits
> > > > Categories - If you die before you retire,
> > > CalPERS
> > > > provides several benefits for your family
> or
> > > the
> > > > beneficiary(ies) named by you. For
> > > miscellaneous
> > > > employees (non-safety), CalPERS divides
> > > > pre-retirement death benefits into two
> > > categories:
> > > > Not Eligible To Retire at the time of
> death,
> > > and
> > > > Eligible to Retire. For safety employees
> > (fire,
> > > > police & lifeguards), CalPERS divides the
> > > > pre-retirement death benefits into two
> > > categories:
> > > > Not Job-Related Death and Job-Related
> Death.
> > > >
> > > > Limited Death Benefit
> > > > To those who separate from CalPERS-covered
> > > > employment: upon your death, your
> beneficiary
> > > will
> > > > receive the limited death benefit (a refund
> > of
> > > > your contributions plus interest). No other
> > > > benefit will be payable, except as provided
> > by
> > > law
> > > > under special circumstances. The limited
> > death
> > > > benefit will be paid in the following
> order:
> > > (1)
> > > > your named beneficiary, or (2) spouse, or
> (3)
> > > > children, or (4) parents, or (5) brothers
> and
> > > > sisters, or (6) your estate if probated,
> (7)
> > > > trust, or (8) next of kin, as provided by
> > law.
> > > >
> > > > Naming A Beneficiary
> > > > To designate a beneficiary, or update an
> > > earlier
> > > > designation, you must fill out a CalPERS
> > > > Beneficiary Designation (form 0772). This
> > form
> > > is
> > > > available on the CalPERS website under
> > > > Publications. Certain death benefits allow
> > you
> > > to
> > > > name anyone you choose as a beneficiary. If
> > you
> > > > name a beneficiary and then (1) marry, (2)
> > > > initiate an annulment, or dissolution of
> > > marriage,
> > > > (3) have a child or adopt a child, (4)
> > > terminate
> > > > your employment and receive a refund of
> your
> > > > CalPERS contributions, your designation
> will,
> > > by
> > > > law, be revoked.
> > > >
> > > > Comparison Of Pre-Retirement Death Benefits
> > > > Local Miscellaneous (non-safety)
> > > > Local Safety
> > > >
> > > > Post-Retirement Death Benefits
> > > > When you retire, you may choose to receive
> > the
> > > > unmodified allowance, or you can take a
> > > reduction
> > > > to your allowance based on the option you
> > > select.
> > > >
> > > > The unmodified allowance is the highest
> > amount
> > > > payable to you that ends upon your death.
> > Each
> > > of
> > > > the options provides a benefit to your
> named
> > > > beneficiary after your death. Option 1
> > provides
> > > a
> > > > lump-sum payment of your remaining
> > > contributions.
> > > > Option 2, 2W, 3, 3W, or 4 provides a
> monthly
> > > > allowance. The reduction to your unmodified
> > > > allowance changes based on the option you
> > > choose.
> > > > "Option factors" are used to determine this
> > > > reduction. The amount of the reduction is
> > based
> > > on
> > > > tables that take into consideration your
> age
> > > and
> > > > the age of your beneficiary. More
> information
> > > on
> > > > the various options is available in the
> > CalPERS
> > > > Member Benefit publications.
> > > >
> > > > For further information, review the Death
> > > Benefits
> > > > section on the CalPERS website.
> > > >
> > > > How To Apply For CalPERS Retirement
> > > > It is suggested that you begin filling out
> > the
> > > > Retirement Election Application four to
> five
> > > > months before your anticipated retirement
> > date.
> > > > CalPERS does not want the application
> > submitted
> > > to
> > > > them more than 90 days prior to your
> > retirement
> > > > date. Refer to the City's "Retirement
> Guide"
> > > for
> > > > further information.
> > > >
> > > > After I Have Applied For Service
> Retirement,
> > May
> > > I
> > > > Change My Mind?
> > > > You may cancel/change your retirement any
> > time
> > > > before your first check is mailed, before
> > your
> > > > retirement date. If you do change your
> mind,
> > > > immediately contact CalPERS at (888)
> > 225-7377.
> > > If
> > > > you have completed the paperwork allocating
> > > your
> > > > unused sick leave, you also need to contact
> > > > Employee Benefits at 570-6523. Keep in mind
> > > that
> > > > your department has been notified of your
> > > > separation date, therefore, your department
> > > will
> > > > proceed with the City's separation document
> > > unless
> > > > you tell them otherwise. (If you wish to
> > return
> > > to
> > > > your position with the City contact your
> > > > supervisor to ensure there is still a
> > position
> > > > available for you.)
> > > >
> > > > Be advised that changes to your retirement
> > date
> > > > may result in a delay in you receiving your
> > > first
> > > > pension check from CalPERS.
> > > >
> > > > FAQs And Tips
> > > > Planning for your retirement may seem like
> a
> > > > daunting task. Educating yourself and
> > beginning
> > > > the process early (one year in advance of
> > your
> > > > projected retirement date) are key to a
> > smooth
> > > and
> > > > successful retirement application process.
> > The
> > > > City's "Retirement Guide" will steer you
> thru
> > > the
> > > > retirement application process.
> > > >
> > > > Health Insurance Costs For Retirees
> > > > At retirement, employees who are enrolled
> in
> > > > benefits may convert their unused hours of
> > sick
> > > > leave to pay for health, dental, vision and
> > > long
> > > > term care insurance premiums into
> retirement.
> > > >
> > > > View current retiree insurance premium
> > > > information.
> > > >
> > > > Please Note: Change of insurance providers
> > may
> > > > only be done during retiree open enrollment
> > > > annually. Any changes made will be
> effective
> > > > January 1st of the following year. If
> moving
> > > out
> > > > of state, you should contact Employee
> Benefits
> >
> > > at
> > > > (562) 570-6303 to check on the portability
> of
> > > your
> > > > insurance. If changes are necessary they
> will
> > > be
> > > > handled at the time of retirement or at a
> > later
> > > > date (when you move). Also, once you cancel
> > > your
> > > > insurance you may never re-enroll.
> > > >
> > > > CalPERS Special Power Of Attorney
> > > > A CalPERS Special Power of Attorney allows
> > you
> > > to
> > > > designate a representative or agent, known
> as
> > > your
> > > > attorney-in-fact, to conduct your
> retirement
> > > > affairs. Having a Special Power of Attorney
> > on
> > > > file with CalPERS ensures that your
> > designated
> > > > attorney-in-fact will be able to perform
> > > important
> > > > duties concerning your CalPERS business,
> such
> > > as
> > > > address changes; federal or state tax
> > > withholding
> > > > elections; lost or stolen retirement
> checks;
> > > > endorsing checks; beneficiary designations;
> > or
> > > > retirement benefit elections, should you
> > become
> > > > unable to act on your own behalf.
> > > >
> > > > Further information and the required form
> are
> > > > available on the CalPERS website; review
> the
> > > > publication CalPERS Special Power of
> > Attorney.
> > > > Read it over very carefully before
> > completing.
> > > To
> > > > be valid the form must be fully completed
> and
> > > must
> > > > be acknowledged before a notary public or
> > > signed
> > > > by two witnesses. The person agreeing to
> act
> > as
> > > > attorney-in-fact must also sign the form.
> Any
> > > > previous designations will be revoked by
> > > > completing a new form.
> > > >
> > > > In the event you have any questions
> > concerning
> > > the
> > > > effects of the appointment of an
> > > attorney-in-fact
> > > > you are strongly urged to seek legal
> advice.
> > > >
> > > > Retirement Forms
> > > > View CalPERS Forms
> > > > Retirement Living Calculator
> > > > This personal budget planning tool is
> > intended
> > > to
> > > > give the user a basic overview of the
> > potential
> > > > sources of income and expenses they may
> have
> > > > during retirement. This tool is not
> intended
> > to
> > > be
> > > > and/or replace professional advise and
> > planning
> > > > from a certified financial planner. Consult
> > > your
> > > > personal certified financial planner for
> more
> > > > accurate details.
> > > >
> > > > Download the calculator. Please note you
> must
> > > have
> > > > Microsoft Excel version 2013 or later.

^^^ Still just a completely useless dick

Gay Gus Wrote:
-------------------------------------------------------
> Actual JP Morgenthau Wrote:
> --------------------------------------------------
> -----
> > Worse than absolutely infantile. Such a
> douche.
>
>
> Would you like to meet up and buttfuck sometime?
> I’ve never had my dick in an autistic man
> before. I bet it would be fun.


ruh-ROH! This troll from the other board has found this thread. Go for it, Gus! You can call him Actual GAY P Morgenthau.

Actual JP Morgenthau Wrote:
-------------------------------------------------------
> ^^^ My little dick Still just a completely useless dick


^ FIFY

Well, the first national holiday of back-sliding shame and disgrace was certainly mourned but at least survived by most people yesterday. No thanks of course to some disturbed, run of the mill gun nut (one of thousands on the loose all across the country) who did manage to kill six while shooting up a city parade in Illinois. Who’s next? How long will we keep having to ask that question?

Meanwhile, except for the horrors of Trump, we do have another beautiful summer morning out here in the Sweet Spot. It was 73 degrees under sunny skies when I got up, but clouds have moved in now and we’re likely to see some t-storms over the course of the afternoon and evening. Moderate humidity and light winds from the south. Might get wet later (good for the planties), but otherwise a nice enough day.

Real President Joe of course bemoans the abrupt and recent loss of rights and freedoms that so many US patriots fought and died for over the years. Such a shame that their sacrifices are now in vain. The Long March back to a rightful America has been begun, but it will take many years now to complete. Let it stand when it arrives as testimony to the venal nature of the political right.

In other news, the Nats collapsed late again yesterday, losing theirv12th game of the last 13 and giving The Fish a four-game sweep. Pretty shabby. Next , it’s off to PHI, where B paolo Espino will go against LHP Christopher Sanchez (25). ThebPhils have disapponted this year, but they are still better than we are.

Just about everyone of course is better off than than those trapped in the sloughs and slumps of stalled out Falls Church City. Developers once again say they have a letter of intent from a movie theater for a spot in Founders Row. Previous such claims have fallen apart. But we do know now that Wawa will not be coming to the one-time Stratford Motel site, having mixed the idea just the other day.

N446P Wrote:
---------------------------------------------------
> ruh-ROH! This troll from the other board has found this thread.

What grade is HE in? Has he grown any pubes yet?

I am demanding this discussion be purged from FFU immediately. It serves no purpose; other than the OP's personal vindictive comments toward those leaning more conservative than the crazed non binary crowd.
Let it be written in the FFU that Bruce Klein put an end to this - and you're welcome.

335 pages say it’s all been found more than interesting enough by a variety of Northern Virginia residents, a few of whom of course are poorly educated serial liars. You by contrast, are just a total nobody.

Actual JP Morgenthau Wrote:
-------------------------------------------------------
> N446P Wrote:
> --------------------------------------------------
> -
> > ruh-ROH! This troll from the other board has
> found this thread.
>
> What grade is HE in? Has he grown any pubes yet?


I don't know, I've never seen him or her. Since this is FFX Und., you don't know what these trolls are. I know from his posts on the other board, he's always asking for gay action. He also shows up on some of the VGH, Inc. threads over there.

So basically, BS threads peopled by boys who have not reached puberty yet. Cool.

BruceKlien Wrote:
-------------------------------------------------------
> I am demanding this discussion be purged from FFU
> immediately. It serves no purpose; other than the
> OP's personal vindictive comments toward those
> leaning more conservative than the crazed non
> binary crowd.
> Let it be written in the FFU that Bruce Klein put
> an end to this - and you're welcome.


The best you're prob. going to get out of Carey is he moves it to the Off Topic Board. When that happens, the trolls over there who haven't found this thread yet will find it. Since it's nothing but trolls & socks over there anyhow, you can guess the result. Get ready to hear all about eesh, moz, Liz, Megan & all of those other people.

This has pretty much decayed into a troll thread anyhow. So there'd really be no diff. of it got moved there anyhow.

More insightful info and analysis appears in this thread each morning than one would expect to find elsewhere over the balance of the day..

Davis store Wrote:
-------------------------------------------------------
> h brake Wrote:
> --------------------------------------------------
> -----
> > long beach Wrote:
> >
> -----------------------------99ysw--------------------
>
> > -----
> > > Retired1 Wrote:
> > >
> >
> --------------------------------------------------
>
> >
> > > -----
> > > > Thank you for visiting the Retirement
> Section
> > > on
> > > > the City of Long Beach's Human Resources
> > > website.
> > > > Here you will find information about the
> > > > retirement benefits offered by the City
> > through
> > > > CalPERS, how to calculate your pension, how
> > to
> > > > apply, and other useful information about
> the
> > > > retirement system.
> > > >
> > > > For information on the retirement process,
> > > refer
> > > > to the City's "Retirement Guide". If you
> have
> > > any
> > > > additional questions, contact CalPERS at
> > (888)
> > > > 225-7377.
> > > >
> > > > CalPERS (What Is CalPERS)
> > > > The City of Long Beach contracts with the
> > > > California Public Employees' Retirement
> > System
> > > > (CalPERS) to manage our pension benefits.
> > > CalPERS
> > > > manages the pension and health benefits
> (the
> > > City
> > > > does not contract with CalPERS to provide
> > > health
> > > > care benefits) to more than 1.6 million
> > public
> > > > employees, retirees, and their families and
> > > more
> > > > than 3,000 employers.
> > > >
> > > > View more information on CalPERS.
> > > >
> > > > Click on the following links to access the
> > PDF
> > > > file of the City's various CalPERS Contract
> > > > Provisions for Miscellaneous Members, Fire
> > > Safety
> > > > Members, Police Safety Members and
> Lifeguard
> > > > Safety Member.
> > > >
> > > > Types Of Retirement
> > > > The City Offers Three Types Of Retirements:
> > > > Service Retirement, Disability Retirement
> And
> > > > Industrial Disability Retirement.
> > > >
> > > > Service Retirement
> > > > Service retirement is the general
> retirement
> > > from
> > > > employment after a minimum period of five
> > years
> > > of
> > > > CalPERS-credited service and attainment of
> > the
> > > > minimum age requirement.
> > > >
> > > > Disability Retirement
> > > > Disability retirement consists of a monthly
> > > > retirement allowance paid to you for the
> rest
> > > of
> > > > your life or until you recover from your
> > > disabling
> > > > injury or illness. The cause of your
> > disability
> > > > need not be related to your employment. To
> > > qualify
> > > > for disability retirement, you must be
> > > > substantially incapacited from performing
> > your
> > > job
> > > > duties, based upon a physical or mental
> > > condition
> > > > which is expected to be permanent or last
> > > > indefinitely. There is no minimum age
> > > requirement;
> > > > however, you must have at least five years
> of
> > > > CalPERS-credited service.
> > > >
> > > > Industrial Disability Retirement (Safety
> > Only)
> > > > If your disability is the result of a
> > > job-related
> > > > illness or injury, and you are a safety
> > > employee
> > > > (police officer/firefighter/lifeguard), you
> > may
> > > be
> > > > entitled to an industrial disability
> > > retirement.
> > > > If you retire, you will receive a monthly
> > > > retirement payment for the rest of your
> life
> > > (or
> > > > until you recover from your disabling
> injury
> > or
> > > > illness). There is no minimum age or
> service
> > > > requirement for an industrial disability
> > > > retirement.
> > > >
> > > > View PARS Online
> > > > Retirement Calculations
> > > > The CalPERS Retirement Estimate Calculator
> > can
> > > > help you estimate your future retirement
> > > benefits.
> > > > Since this is a planning tool, you may also
> > add
> > > > various retirement dates, salary
> information,
> > > and
> > > > future employment information to see how
> > these
> > > > changes could impact your benefits. Use the
> > > > Retirement Estimate Calculator with or
> > without
> > > a
> > > > password. If you have a password, the
> > > information
> > > > from your latest CalPERS Annual Member
> > > Statement
> > > > will be automatically added to the
> > Calculator.
> > > >
> > > > Reciprocity
> > > > CalPERS has an agreement with many
> California
> > > > public retirement systems, which allows you
> > to
> > > > move from one retirement system to the
> other
> > > > without loss of benefits. This is called
> > > > "reciprocity." These reciprocal agreements
> > may
> > > > allow you to coordinate your benefits
> between
> > > the
> > > > retirement systems when you retire.
> > Currently,
> > > you
> > > > must leave and enter into employment with a
> > > > reciprocal public agency within six months
> to
> > > be
> > > > eligible. For more specific details,
> > including
> > > a
> > > > list of those agencies with reciprocity
> > > agreements
> > > > with CalPERS, please visit the CalPERS page
> > and
> > > > download Publication 16. Please note there
> is
> > > > currently no reciprocity agreements between
> > > > CalPERS and the Los Angeles Police & Fire
> > > Pension
> > > > (LAFPP).
> > > >
> > > > For further information, review the CalPERS
> > > > publication "When You Change Retirement
> > > Systems",
> > > > contact CalPERS Member Services at (888)
> > > 225-7377
> > > > or schedule an appointment at a local
> CalPERS
> > > > Regional Office.
> > > >
> > > > Death Benefits
> > > > Pre-Retirement Death Benefits
> > > > Categories - If you die before you retire,
> > > CalPERS
> > > > provides several benefits for your family
> or
> > > the
> > > > beneficiary(ies) named by you. For
> > > miscellaneous
> > > > employees (non-safety), CalPERS divides
> > > > pre-retirement death benefits into two
> > > categories:
> > > > Not Eligible To Retire at the time of
> death,
> > > and
> > > > Eligible to Retire. For safety employees
> > (fire,
> > > > police & lifeguards), CalPERS divides the
> > > > pre-retirement death benefits into two
> > > categories:
> > > > Not Job-Related Death and Job-Related
> Death.
> > > >
> > > > Limited Death Benefit
> > > > To those who separate from CalPERS-covered
> > > > employment: upon your death, your
> beneficiary
> > > will
> > > > receive the limited death benefit (a refund
> > of
> > > > your contributions plus interest). No other
> > > > benefit will be payable, except as provided
> > by
> > > law
> > > > under special circumstances. The limited
> > death
> > > > benefit will be paid in the following
> order:
> > > (1)
> > > > your named beneficiary, or (2) spouse, or
> (3)
> > > > children, or (4) parents, or (5) brothers
> and
> > > > sisters, or (6) your estate if probated,
> (7)
> > > > trust, or (8) next of kin, as provided by
> > law.
> > > >
> > > > Naming A Beneficiary
> > > > To designate a beneficiary, or update an
> > > earlier
> > > > designation, you must fill out a CalPERS
> > > > Beneficiary Designation (form 0772). This
> > form
> > > is
> > > > available on the CalPERS website under
> > > > Publications. Certain death benefits allow
> > you
> > > to
> > > > name anyone you choose as a beneficiary. If
> > you
> > > > name a beneficiary and then (1) marry, (2)
> > > > initiate an annulment, or dissolution of
> > > marriage,
> > > > (3) have a child or adopt a child, (4)
> > > terminate
> > > > your employment and receive a refund of
> your
> > > > CalPERS contributions, your designation
> will,
> > > by
> > > > law, be revoked.
> > > >
> > > > Comparison Of Pre-Retirement Death Benefits
> > > > Local Miscellaneous (non-safety)
> > > > Local Safety
> > > >
> > > > Post-Retirement Death Benefits
> > > > When you retire, you may choose to receive
> > the
> > > > unmodified allowance, or you can take a
> > > reduction
> > > > to your allowance based on the option you
> > > select.
> > > >
> > > > The unmodified allowance is the highest
> > amount
> > > > payable to you that ends upon your death.
> > Each
> > > of
> > > > the options provides a benefit to your
> named
> > > > beneficiary after your death. Option 1
> > provides
> > > a
> > > > lump-sum payment of your remaining
> > > contributions.
> > > > Option 2, 2W, 3, 3W, or 4 provides a
> monthly
> > > > allowance. The reduction to your unmodified
> > > > allowance changes based on the option you
> > > choose.
> > > > "Option factors" are used to determine this
> > > > reduction. The amount of the reduction is
> > based
> > > on
> > > > tables that take into consideration your
> age
> > > and
> > > > the age of your beneficiary. More
> information
> > > on
> > > > the various options is available in the
> > CalPERS
> > > > Member Benefit publications.
> > > >
> > > > For further information, review the Death
> > > Benefits
> > > > section on the CalPERS website.
> > > >
> > > > How To Apply For CalPERS Retirement
> > > > It is suggested that you begin filling out
> > the
> > > > Retirement Election Application four to
> five
> > > > months before your anticipated retirement
> > date.
> > > > CalPERS does not want the application
> > submitted
> > > to
> > > > them more than 90 days prior to your
> > retirement
> > > > date. Refer to the City's "Retirement
> Guide"
> > > for
> > > > further information.
> > > >
> > > > After I Have Applied For Service
> Retirement,
> > May
> > > I
> > > > Change My Mind?
> > > > You may cancel/change your retirement any
> > time
> > > > before your first check is mailed, before
> > your
> > > > retirement date. If you do change your
> mind,
> > > > immediately contact CalPERS at (888)
> > 225-7377.
> > > If
> > > > you have completed the paperwork allocating
> > > your
> > > > unused sick leave, you also need to contact
> > > > Employee Benefits at 570-6523. Keep in mind
> > > that
> > > > your department has been notified of your
> > > > separation date, therefore, your department
> > > will
> > > > proceed with the City's separation document
> > > unless
> > > > you tell them otherwise. (If you wish to
> > return
> > > to
> > > > your position with the City contact your
> > > > supervisor to ensure there is still a
> > position
> > > > available for you.)
> > > >
> > > > Be advised that changes to your retirement
> > date
> > > > may result in a delay in you receiving your
> > > first
> > > > pension check from CalPERS.
> > > >
> > > > FAQs And Tips
> > > > Planning for your retirement may seem like
> a
> > > > daunting task. Educating yourself and
> > beginning
> > > > the process early (one year in advance of
> > your
> > > > projected retirement date) are key to a
> > smooth
> > > and
> > > > successful retirement application process.
> > The
> > > > City's "Retirement Guide" will steer you
> thru
> > > the
> > > > retirement application process.
> > > >
> > > > Health Insurance Costs For Retirees
> > > > At retirement, employees who are enrolled
> in
> > > > benefits may convert their unused hours of
> > sick
> > > > leave to pay for health, dental, vision and
> > > long
> > > > term care insurance premiums into
> retirement.
> > > >
> > > > View current retiree insurance premium
> > > > information.
> > > >
> > > > Please Note: Change of insurance providers
> > may
> > > > only be done during retiree open enrollment
> > > > annually. Any changes made will be
> effective
> > > > January 1st of the following year. If
> moving
> > > out
> > > > of state, you should contact Employee
> Benefits
> >
> > > at
> > > > (562) 570-6303 to check on the portability
> of
> > > your
> > > > insurance. If changes are necessary they
> will
> > > be
> > > > handled at the time of retirement or at a
> > later
> > > > date (when you move). Also, once you cancel
> > > your
> > > > insurance you may never re-enroll.
> > > >
> > > > CalPERS Special Power Of Attorney
> > > > A CalPERS Special Power of Attorney allows
> > you
> > > to
> > > > designate a representative or agent, known
> as
> > > your
> > > > attorney-in-fact, to conduct your
> retirement
> > > > affairs. Having a Special Power of Attorney
> > on
> > > > file with CalPERS ensures that your
> > designated
> > > > attorney-in-fact will be able to perform
> > > important
> > > > duties concerning your CalPERS business,
> such
> > > as
> > > > address changes; federal or state tax
> > > withholding
> > > > elections; lost or stolen retirement
> checks;
> > > > endorsing checks; beneficiary designations;
> > or
> > > > retirement benefit elections, should you
> > become
> > > > unable to act on your own behalf.
> > > >
> > > > Further information and the required form
> are
> > > > available on the CalPERS website; review
> the
> > > > publication CalPERS Special Power of
> > Attorney.
> > > > Read it over very carefully before
> > completing.
> > > To
> > > > be valid the form must be fully completed
> and
> > > must
> > > > be acknowledged before a notary public or
> > > signed
> > > > by two witnesses. The person agreeing to
> act
> > as
> > > > attorney-in-fact must also sign the form.
> Any
> > > > previous designations will be revoked by
> > > > completing a new form.
> > > >
> > > > In the event you have any questions
> > concerning
> > > the
> > > > effects of the appointment of an
> > > attorney-in-fact
> > > > you are strongly urged to seek legal
> advice.
> > > >
> > > > Retirement Forms
> > > > View CalPERS Forms
> > > > Retirement Living Calculator
> > > > This personal budget planning tool is
> > intended
> > > to
> > > > give the user a basic overview of the
> > potential
> > > > sources of income and expenses they may
> have
> > > > during retirement. This tool is not
> intended
> > to
> > > be
> > > > and/or replace professional advise and
> > planning
> > > > from a certified financial planner. Consult
> > > your
> > > > personal certified financial planner for
> more
> > > > accurate details.
> > > >
> > > > Download the calculator. Please note you
> must
> > > have
> > > > Microsoft Excel version 2013 or later.Thank
> > you
> > > > for visiting the Retirement Section on the
> > City
> > > of
> > > > Long Beach's Human Resources website. Here
> > you
> > > > will find information about the retirement
> > > > benefits offered by the City through
> CalPERS,
> > > how
> > > > to calculate your pension, how to apply,
> and
> > > other
> > > > useful information about the retirement
> > system.
> > > >
> > > > For information on the retirement process,
> > > refer
> > > > to the City's "Retirement Guide". If you
> have
> > > any
> > > > additional questions, contact CalPERS at
> > (888)
> > > > 225-7377.
> > > >
> > > > CalPERS (What Is CalPERS)
> > > > The City of Long Beach contracts with the
> > > > California Public Employees' Retirement
> > System
> > > > (CalPERS) to manage our pension benefits.
> > > CalPERS
> > > > manages the pension and health benefits
> (the
> > > City
> > > > does not contract with CalPERS to provide
> > > health
> > > > care benefits) to more than 1.6 million
> > public
> > > > employees, retirees, and their families and
> > > more
> > > > than 3,000 employers.
> > > >
> > > > View more information on CalPERS.
> > > >
> > > > Click on the following links to access the
> > PDF
> > > > file of the City's various CalPERS Contract
> > > > Provisions for Miscellaneous Members, Fire
> > > Safety
> > > > Members, Police Safety Members and
> Lifeguard
> > > > Safety Member.
> > > >
> > > > Types Of Retirement
> > > > The City Offers Three Types Of Retirements:
> > > > Service Retirement, Disability Retirement
> And
> > > > Industrial Disability Retirement.
> > > >
> > > > Service Retirement
> > > > Service retirement is the general
> retirement
> > > from
> > > > employment after a minimum period of five
> > years
> > > of
> > > > CalPERS-credited service and attainment of
> > the
> > > > minimum age requirement.
> > > >
> > > > Disability Retirement
> > > > Disability retirement consists of a monthly
> > > > retirement allowance paid to you for the
> rest
> > > of
> > > > your life or until you recover from your
> > > disabling
> > > > injury or illness. The cause of your
> > disability
> > > > need not be related to your employment. To
> > > qualify
> > > > for disability retirement, you must be
> > > > substantially incapacited from performing
> > your
> > > job
> > > > duties, based upon a physical or mental
> > > condition
> > > > which is expected to be permanent or last
> > > > indefinitely. There is no minimum age
> > > requirement;
> > > > however, you must have at least five years
> of
> > > > CalPERS-credited service.
> > > >
> > > > Industrial Disability Retirement (Safety
> > Only)
> > > > If your disability is the result of a
> > > job-related
> > > > illness or injury, and you are a safety
> > > employee
> > > > (police officer/firefighter/lifeguard), you
> > may
> > > be
> > > > entitled to an industrial disability
> > > retirement.
> > > > If you retire, you will receive a monthly
> > > > retirement payment for the rest of your
> life
> > > (or
> > > > until you recover from your disabling
> injury
> > or
> > > > illness). There is no minimum age or
> service
> > > > requirement for an industrial disability
> > > > retirement.
> > > >
> > > > View PARS Online
> > > > Retirement Calculations
> > > > The CalPERS Retirement Estimate Calculator
> > can
> > > > help you estimate your future retirement
> > > benefits.
> > > > Since this is a planning tool, you may also
> > add
> > > > various retirement dates, salary
> information,
> > > and
> > > > future employment information to see how
> > these
> > > > changes could impact your benefits. Use the
> > > > Retirement Estimate Calculator with or
> > without
> > > a
> > > > password. If you have a password, the
> > > information
> > > > from your latest CalPERS Annual Member
> > > Statement
> > > > will be automatically added to the
> > Calculator.
> > > >
> > > > Reciprocity
> > > > CalPERS has an agreement with many
> California
> > > > public retirement systems, which allows you
> > to
> > > > move from one retirement system to the
> other
> > > > without loss of benefits. This is called
> > > > "reciprocity." These reciprocal agreements
> > may
> > > > allow you to coordinate your benefits
> between
> > > the
> > > > retirement systems when you retire.
> > Currently,
> > > you
> > > > must leave and enter into employment with a
> > > > reciprocal public agency within six months
> to
> > > be
> > > > eligible. For more specific details,
> > including
> > > a
> > > > list of those agencies with reciprocity
> > > agreements
> > > > with CalPERS, please visit the CalPERS page
> > and
> > > > download Publication 16. Please note there
> is
> > > > currently no reciprocity agreements between
> > > > CalPERS and the Los Angeles Police & Fire
> > > Pension
> > > > (LAFPP).
> > > >
> > > > For further information, review the CalPERS
> > > > publication "When You Change Retirement
> > > Systems",
> > > > contact CalPERS Member Services at (888)
> > > 225-7377
> > > > or schedule an appointment at a local
> CalPERS
> > > > Regional Office.
> > > >
> > > > Death Benefits
> > > > Pre-Retirement Death Benefits
> > > > Categories - If you die before you retire,
> > > CalPERS
> > > > provides several benefits for your family
> or
> > > the
> > > > beneficiary(ies) named by you. For
> > > miscellaneous
> > > > employees (non-safety), CalPERS divides
> > > > pre-retirement death benefits into two
> > > categories:
> > > > Not Eligible To Retire at the time of
> death,
> > > and
> > > > Eligible to Retire. For safety employees
> > (fire,
> > > > police & lifeguards), CalPERS divides the
> > > > pre-retirement death benefits into two
> > > categories:
> > > > Not Job-Related Death and Job-Related
> Death.
> > > >
> > > > Limited Death Benefit
> > > > To those who separate from CalPERS-covered
> > > > employment: upon your death, your
> beneficiary
> > > will
> > > > receive the limited death benefit (a refund
> > of
> > > > your contributions plus interest). No other
> > > > benefit will be payable, except as provided
> > by
> > > law
> > > > under special circumstances. The limited
> > death
> > > > benefit will be paid in the following
> order:
> > > (1)
> > > > your named beneficiary, or (2) spouse, or
> (3)
> > > > children, or (4) parents, or (5) brothers
> and
> > > > sisters, or (6) your estate if probated,
> (7)
> > > > trust, or (8) next of kin, as provided by
> > law.
> > > >
> > > > Naming A Beneficiary
> > > > To designate a beneficiary, or update an
> > > earlier
> > > > designation, you must fill out a CalPERS
> > > > Beneficiary Designation (form 0772). This
> > form
> > > is
> > > > available on the CalPERS website under
> > > > Publications. Certain death benefits allow
> > you
> > > to
> > > > name anyone you choose as a beneficiary. If
> > you
> > > > name a beneficiary and then (1) marry, (2)
> > > > initiate an annulment, or dissolution of
> > > marriage,
> > > > (3) have a child or adopt a child, (4)
> > > terminate
> > > > your employment and receive a refund of
> your
> > > > CalPERS contributions, your designation
> will,
> > > by
> > > > law, be revoked.
> > > >
> > > > Comparison Of Pre-Retirement Death Benefits
> > > > Local Miscellaneous (non-safety)
> > > > Local Safety
> > > >
> > > > Post-Retirement Death Benefits
> > > > When you retire, you may choose to receive
> > the
> > > > unmodified allowance, or you can take a
> > > reduction
> > > > to your allowance based on the option you
> > > select.
> > > >
> > > > The unmodified allowance is the highest
> > amount
> > > > payable to you that ends upon your death.
> > Each
> > > of
> > > > the options provides a benefit to your
> named
> > > > beneficiary after your death. Option 1
> > provides
> > > a
> > > > lump-sum payment of your remaining
> > > contributions.
> > > > Option 2, 2W, 3, 3W, or 4 provides a
> monthly
> > > > allowance. The reduction to your unmodified
> > > > allowance changes based on the option you
> > > choose.
> > > > "Option factors" are used to determine this
> > > > reduction. The amount of the reduction is
> > based
> > > on
> > > > tables that take into consideration your
> age
> > > and
> > > > the age of your beneficiary. More
> information
> > > on
> > > > the various options is available in the
> > CalPERS
> > > > Member Benefit publications.
> > > >
> > > > For further information, review the Death
> > > Benefits
> > > > section on the CalPERS website.
> > > >
> > > > How To Apply For CalPERS Retirement
> > > > It is suggested that you begin filling out
> > the
> > > > Retirement Election Application four to
> five
> > > > months before your anticipated retirement
> > date.
> > > > CalPERS does not want the application
> > submitted
> > > to
> > > > them more than 90 days prior to your
> > retirement
> > > > date. Refer to the City's "Retirement
> Guide"
> > > for
> > > > further information.
> > > >
> > > > After I Have Applied For Service
> Retirement,
> > May
> > > I
> > > > Change My Mind?
> > > > You may cancel/change your retirement any
> > time
> > > > before your first check is mailed, before
> > your
> > > > retirement date. If you do change your
> mind,
> > > > immediately contact CalPERS at (888)
> > 225-7377.
> > > If
> > > > you have completed the paperwork allocating
> > > your
> > > > unused sick leave, you also need to contact
> > > > Employee Benefits at 570-6523. Keep in mind
> > > that
> > > > your department has been notified of your
> > > > separation date, therefore, your department
> > > will
> > > > proceed with the City's separation document
> > > unless
> > > > you tell them otherwise. (If you wish to
> > return
> > > to
> > > > your position with the City contact your
> > > > supervisor to ensure there is still a
> > position
> > > > available for you.)
> > > >
> > > > Be advised that changes to your retirement
> > date
> > > > may result in a delay in you receiving your
> > > first
> > > > pension check from CalPERS.
> > > >
> > > > FAQs And Tips
> > > > Planning for your retirement may seem like
> a
> > > > daunting task. Educating yourself and
> > beginning
> > > > the process early (one year in advance of
> > your
> > > > projected retirement date) are key to a
> > smooth
> > > and
> > > > successful retirement application process.
> > The
> > > > City's "Retirement Guide" will steer you
> thru
> > > the
> > > > retirement application process.
> > > >
> > > > Health Insurance Costs For Retirees
> > > > At retirement, employees who are enrolled
> in
> > > > benefits may convert their unused hours of
> > sick
> > > > leave to pay for health, dental, vision and
> > > long
> > > > term care insurance premiums into
> retirement.
> > > >
> > > > View current retiree insurance premium
> > > > information.
> > > >
> > > > Please Note: Change of insurance providers
> > may
> > > > only be done during retiree open enrollment
> > > > annually. Any changes made will be
> effective
> > > > January 1st of the following year. If
> moving
> > > out
> > > > of state, you should contact Employee
> Benefits
> >
> > > at
> > > > (562) 570-6303 to check on the portability
> of
> > > your
> > > > insurance. If changes are necessary they
> will
> > > be
> > > > handled at the time of retirement or at a
> > later
> > > > date (when you move). Also, once you cancel
> > > your
> > > > insurance you may never re-enroll.
> > > >
> > > > CalPERS Special Power Of Attorney
> > > > A CalPERS Special Power of Attorney allows
> > you
> > > to
> > > > designate a representative or agent, known
> as
> > > your
> > > > attorney-in-fact, to conduct your
> retirement
> > > > affairs. Having a Special Power of Attorney
> > on
> > > > file with CalPERS ensures that your
> > designated
> > > > attorney-in-fact will be able to perform
> > > important
> > > > duties concerning your CalPERS business,
> such
> > > as
> > > > address changes; federal or state tax
> > > withholding
> > > > elections; lost or stolen retirement
> checks;
> > > > endorsing checks; beneficiary designations;
> > or
> > > > retirement benefit elections, should you
> > become
> > > > unable to act on your own behalf.
> > > >
> > > > Further information and the required form
> are
> > > > available on the CalPERS website; review
> the
> > > > publication CalPERS Special Power of
> > Attorney.
> > > > Read it over very carefully before
> > completing.
> > > To
> > > > be valid the form must be fully completed
> and
> > > must
> > > > be acknowledged before a notary public or
> > > signed
> > > > by two witnesses. The person agreeing to
> act
> > as
> > > > attorney-in-fact must also sign the form.
> Any
> > > > previous designations will be revoked by
> > > > completing a new form.
> > > >
> > > > In the event you have any questions
> > concerning
> > > the
> > > > effects of the appointment of an
> > > attorney-in-fact
> > > > you are strongly urged to seek legal
> advice.
> > > >
> > > > Retirement Forms
> > > > View CalPERS Forms
> > > > Retirement Living Calculator
> > > > This personal budget planning tool is
> > intended
> > > to
> > > > give the user a basic overview of the
> > potential
> > > > sources of income and expenses they may
> have
> > > > during retirement. This tool is not
> intended
> > to
> > > be
> > > > and/or replace professional advise and
> > planning
> > > > from a certified financial planner. Consult
> > > your
> > > > personal certified financial planner for
> more
> > > > accurate details.
> > > >
> > > > Download the calculator. Please note you
> must
> > > have
> > > > Microsoft Excel version 2013 or laterThank
> > you
> > > for
> > > > visiting the Retirement Section on the City
> > of
> > > > Long Beach's Human Resources website. Here
> > you
> > > > will find information about the retirement
> > > > benefits offered by the City through
> CalPERS,
> > > how
> > > > to calculate your pension, how to apply,
> and
> > > other
> > > > useful information about the retirement
> > system.
> > > >
> > > > For information on the retirement process,
> > > refer
> > > > to the City's "Retirement Guide". If you
> have
> > > any
> > > > additional questions, contact CalPERS at
> > (888)
> > > > 225-7377.
> > > >
> > > > CalPERS (What Is CalPERS)
> > > > The City of Long Beach contracts with the
> > > > California Public Employees' Retirement
> > System
> > > > (CalPERS) to manage our pension benefits.
> > > CalPERS
> > > > manages the pension and health benefits
> (the
> > > City
> > > > does not contract with CalPERS to provide
> > > health
> > > > care benefits) to more than 1.6 million
> > public
> > > > employees, retirees, and their families and
> > > more
> > > > than 3,000 employers.
> > > >
> > > > View more information on CalPERS.
> > > >
> > > > Click on the following links to access the
> > PDF
> > > > file of the City's various CalPERS Contract
> > > > Provisions for Miscellaneous Members, Fire
> > > Safety
> > > > Members, Police Safety Members and
> Lifeguard
> > > > Safety Member.
> > > >
> > > > Types Of Retirement
> > > > The City Offers Three Types Of Retirements:
> > > > Service Retirement, Disability Retirement
> And
> > > > Industrial Disability Retirement.
> > > >
> > > > Service Retirement
> > > > Service retirement is the general
> retirement
> > > from
> > > > employment after a minimum period of five
> > years
> > > of
> > > > CalPERS-credited service and attainment of
> > the
> > > > minimum age requirement.
> > > >
> > > > Disability Retirement
> > > > Disability retirement consists of a monthly
> > > > retirement allowance paid to you for the
> rest
> > > of
> > > > your life or until you recover from your
> > > disabling
> > > > injury or illness. The cause of your
> > disability
> > > > need not be related to your employment. To
> > > qualify
> > > > for disability retirement, you must be
> > > > substantially incapacited from performing
> > your
> > > job
> > > > duties, based upon a physical or mental
> > > condition
> > > > which is expected to be permanent or last
> > > > indefinitely. There is no minimum age
> > > requirement;
> > > > however, you must have at least five years
> of
> > > > CalPERS-credited service.
> > > >
> > > > Industrial Disability Retirement (Safety
> > Only)
> > > > If your disability is the result of a
> > > job-related
> > > > illness or injury, and you are a safety
> > > employee
> > > > (police officer/firefighter/lifeguard), you
> > may
> > > be
> > > > entitled to an industrial disability
> > > retirement.
> > > > If you retire, you will receive a monthly
> > > > retirement payment for the rest of your
> life
> > > (or
> > > > until you recover from your disabling
> injury
> > or
> > > > illness). There is no minimum age or
> service
> > > > requirement for an industrial disability
> > > > retirement.
> > > >
> > > > View PARS Online
> > > > Retirement Calculations
> > > > The CalPERS Retirement Estimate Calculator
> > can
> > > > help you estimate your future retirement
> > > benefits.
> > > > Since this is a planning tool, you may also
> > add
> > > > various retirement dates, salary
> information,
> > > and
> > > > future employment information to see how
> > these
> > > > changes could impact your benefits. Use the
> > > > Retirement Estimate Calculator with or
> > without
> > > a
> > > > password. If you have a password, the
> > > information
> > > > from your latest CalPERS Annual Member
> > > Statement
> > > > will be automatically added to the
> > Calculator.
> > > >
> > > > Reciprocity
> > > > CalPERS has an agreement with many
> California
> > > > public retirement systems, which allows you
> > to
> > > > move from one retirement system to the
> other
> > > > without loss of benefits. This is called
> > > > "reciprocity." These reciprocal agreements
> > may
> > > > allow you to coordinate your benefits
> between
> > > the
> > > > retirement systems when you retire.
> > Currently,
> > > you
> > > > must leave and enter into employment with a
> > > > reciprocal public agency within six months
> to
> > > be
> > > > eligible. For more specific details,
> > including
> > > a
> > > > list of those agencies with reciprocity
> > > agreements
> > > > with CalPERS, please visit the CalPERS page
> > and
> > > > download Publication 16. Please note there
> is
> > > > currently no reciprocity agreements between
> > > > CalPERS and the Los Angeles Police & Fire
> > > Pension
> > > > (LAFPP).
> > > >
> > > > For further information, review the CalPERS
> > > > publication "When You Change Retirement
> > > Systems",
> > > > contact CalPERS Member Services at (888)
> > > 225-7377
> > > > or schedule an appointment at a local
> CalPERS
> > > > Regional Office.
> > > >
> > > > Death Benefits
> > > > Pre-Retirement Death Benefits
> > > > Categories - If you die before you retire,
> > > CalPERS
> > > > provides several benefits for your family
> or
> > > the
> > > > beneficiary(ies) named by you. For
> > > miscellaneous
> > > > employees (non-safety), CalPERS divides
> > > > pre-retirement death benefits into two
> > > categories:
> > > > Not Eligible To Retire at the time of
> death,
> > > and
> > > > Eligible to Retire. For safety employees
> > (fire,
> > > > police & lifeguards), CalPERS divides the
> > > > pre-retirement death benefits into two
> > > categories:
> > > > Not Job-Related Death and Job-Related
> Death.
> > > >
> > > > Limited Death Benefit
> > > > To those who separate from CalPERS-covered
> > > > employment: upon your death, your
> beneficiary
> > > will
> > > > receive the limited death benefit (a refund
> > of
> > > > your contributions plus interest). No other
> > > > benefit will be payable, except as provided
> > by
> > > law
> > > > under special circumstances. The limited
> > death
> > > > benefit will be paid in the following
> order:
> > > (1)
> > > > your named beneficiary, or (2) spouse, or
> (3)
> > > > children, or (4) parents, or (5) brothers
> and
> > > > sisters, or (6) your estate if probated,
> (7)
> > > > trust, or (8) next of kin, as provided by
> > law.
> > > >
> > > > Naming A Beneficiary
> > > > To designate a beneficiary, or update an
> > > earlier
> > > > designation, you must fill out a CalPERS
> > > > Beneficiary Designation (form 0772). This
> > form
> > > is
> > > > available on the CalPERS website under
> > > > Publications. Certain death benefits allow
> > you
> > > to
> > > > name anyone you choose as a beneficiary. If
> > you
> > > > name a beneficiary and then (1) marry, (2)
> > > > initiate an annulment, or dissolution of
> > > marriage,
> > > > (3) have a child or adopt a child, (4)
> > > terminate
> > > > your employment and receive a refund of
> your
> > > > CalPERS contributions, your designation
> will,
> > > by
> > > > law, be revoked.
> > > >
> > > > Comparison Of Pre-Retirement Death Benefits
> > > > Local Miscellaneous (non-safety)
> > > > Local Safety
> > > >
> > > > Post-Retirement Death Benefits
> > > > When you retire, you may choose to receive
> > the
> > > > unmodified allowance, or you can take a
> > > reduction
> > > > to your allowance based on the option you
> > > select.
> > > >
> > > > The unmodified allowance is the highest
> > amount
> > > > payable to you that ends upon your death.
> > Each
> > > of
> > > > the options provides a benefit to your
> named
> > > > beneficiary after your death. Option 1
> > provides
> > > a
> > > > lump-sum payment of your remaining
> > > contributions.
> > > > Option 2, 2W, 3, 3W, or 4 provides a
> monthly
> > > > allowance. The reduction to your unmodified
> > > > allowance changes based on the option you
> > > choose.
> > > > "Option factors" are used to determine this
> > > > reduction. The amount of the reduction is
> > based
> > > on
> > > > tables that take into consideration your
> age
> > > and
> > > > the age of your beneficiary. More
> information
> > > on
> > > > the various options is available in the
> > CalPERS
> > > > Member Benefit publications.
> > > >
> > > > For further information, review the Death
> > > Benefits
> > > > section on the CalPERS website.
> > > >
> > > > How To Apply For CalPERS Retirement
> > > > It is suggested that you begin filling out
> > the
> > > > Retirement Election Application four to
> five
> > > > months before your anticipated retirement
> > date.
> > > > CalPERS does not want the application
> > submitted
> > > to
> > > > them more than 90 days prior to your
> > retirement
> > > > date. Refer to the City's "Retirement
> Guide"
> > > for
> > > > further information.
> > > >
> > > > After I Have Applied For Service
> Retirement,
> > May
> > > I
> > > > Change My Mind?
> > > > You may cancel/change your retirement any
> > time
> > > > before your first check is mailed, before
> > your
> > > > retirement date. If you do change your
> mind,
> > > > immediately contact CalPERS at (888)
> > 225-7377.
> > > If
> > > > you have completed the paperwork allocating
> > > your
> > > > unused sick leave, you also need to contact
> > > > Employee Benefits at 570-6523. Keep in mind
> > > that
> > > > your department has been notified of your
> > > > separation date, therefore, your department
> > > will
> > > > proceed with the City's separation document
> > > unless
> > > > you tell them otherwise. (If you wish to
> > return
> > > to
> > > > your position with the City contact your
> > > > supervisor to ensure there is still a
> > position
> > > > available for you.)
> > > >
> > > > Be advised that changes to your retirement
> > date
> > > > may result in a delay in you receiving your
> > > first
> > > > pension check from CalPERS.
> > > >
> > > > FAQs And Tips
> > > > Planning for your retirement may seem like
> a
> > > > daunting task. Educating yourself and
> > beginning
> > > > the process early (one year in advance of
> > your
> > > > projected retirement date) are key to a
> > smooth
> > > and
> > > > successful retirement application process.
> > The
> > > > City's "Retirement Guide" will steer you
> thru
> > > the
> > > > retirement application process.
> > > >
> > > > Health Insurance Costs For Retirees
> > > > At retirement, employees who are enrolled
> in
> > > > benefits may convert their unused hours of
> > sick
> > > > leave to pay for health, dental, vision and
> > > long
> > > > term care insurance premiums into
> retirement.
> > > >
> > > > View current retiree insurance premium
> > > > information.
> > > >
> > > > Please Note: Change of insurance providers
> > may
> > > > only be done during retiree open enrollment
> > > > annually. Any changes made will be
> effective
> > > > January 1st of the following year. If
> moving
> > > out
> > > > of state, you should contact Employee
> Benefits
> >
> > > at
> > > > (562) 570-6303 to check on the portability
> of
> > > your
> > > > insurance. If changes are necessary they
> will
> > > be
> > > > handled at the time of retirement or at a
> > later
> > > > date (when you move). Also, once you cancel
> > > your
> > > > insurance you may never re-enroll.
> > > >
> > > > CalPERS Special Power Of Attorney
> > > > A CalPERS Special Power of Attorney allows
> > you
> > > to
> > > > designate a representative or agent, known
> as
> > > your
> > > > attorney-in-fact, to conduct your
> retirement
> > > > affairs. Having a Special Power of Attorney
> > on
> > > > file with CalPERS ensures that your
> > designated
> > > > attorney-in-fact will be able to perform
> > > important
> > > > duties concerning your CalPERS business,
> such
> > > as
> > > > address changes; federal or state tax
> > > withholding
> > > > elections; lost or stolen retirement
> checks;
> > > > endorsing checks; beneficiary designations;
> > or
> > > > retirement benefit elections, should you
> > become
> > > > unable to act on your own behalf.
> > > >
> > > > Further information and the required form
> are
> > > > available on the CalPERS website; review
> the
> > > > publication CalPERS Special Power of
> > Attorney.
> > > > Read it over very carefully before
> > completing.
> > > To
> > > > be valid the form must be fully completed
> and
> > > must
> > > > be acknowledged before a notary public or
> > > signed
> > > > by two witnesses. The person agreeing to
> act
> > as
> > > > attorney-in-fact must also sign the form.
> Any
> > > > previous designations will be revoked by
> > > > completing a new form.
> > > >
> > > > In the event you have any questions
> > concerning
> > > the
> > > > effects of the appointment of an
> > > attorney-in-fact
> > > > you are strongly urged to seek legal
> advice.
> > > >
> > > > Retirement Forms
> > > > View CalPERS Forms
> > > > Retirement Living Calculator
> > > > This personal budget planning tool is
> > intended
> > > to
> > > > give the user a basic overview of the
> > potential
> > > > sources of income and expenses they may
> have
> > > > during retirement. This tool is not
> intended
> > to
> > > be
> > > > and/or replace professional advise and
> > planning
> > > > from a certified financial planner. Consult
> > > your
> > > > personal certified financial planner for
> more
> > > > accurate details.
> > > >
> > > > Download the calculator. Please note you
> must
> > > have
> > > > Microsoft Excel version 2013 or later.
> > > >
> > > > Thank you for visiting the Retirement
> Section
> > > on
> > > > the City of Long Beach's Human Resources
> > > website.
> > > > Here you will find information about the
> > > > retirement benefits offered by the City
> > through
> > > > CalPERS, how to calculate your pension, how
> > to
> > > > apply, and other useful information about
> the
> > > > retirement system.
> > > >
> > > > For information on the retirement process,
> > > refer
> > > > to the City's "Retirement Guide". If you
> have
> > > any
> > > > additional questions, contact CalPERS at
> > (888)
> > > > 225-7377.
> > > >
> > > > CalPERS (What Is CalPERS)
> > > > The City of Long Beach contracts with the
> > > > California Public Employees' Retirement
> > System
> > > > (CalPERS) to manage our pension benefits.
> > > CalPERS
> > > > manages the pension and health benefits
> (the
> > > City
> > > > does not contract with CalPERS to provide
> > > health
> > > > care benefits) to more than 1.6 million
> > public
> > > > employees, retirees, and their families and
> > > more
> > > > than 3,000 employers.
> > > >
> > > > View more information on CalPERS.
> > > >
> > > > Click on the following links to access the
> > PDF
> > > > file of the City's various CalPERS Contract
> > > > Provisions for Miscellaneous Members, Fire
> > > Safety
> > > > Members, Police Safety Members and
> Lifeguard
> > > > Safety Member.
> > > >
> > > > Types Of Retirement
> > > > The City Offers Three Types Of Retirements:
> > > > Service Retirement, Disability Retirement
> And
> > > > Industrial Disability Retirement.
> > > >
> > > > Service Retirement
> > > > Service retirement is the general
> retirement
> > > from
> > > > employment after a minimum period of five
> > years
> > > of
> > > > CalPERS-credited service and attainment of
> > the
> > > > minimum age requirement.
> > > >
> > > > Disability Retirement
> > > > Disability retirement consists of a monthly
> > > > retirement allowance paid to you for the
> rest
> > > of
> > > > your life or until you recover from your
> > > disabling
> > > > injury or illness. The cause of your
> > disability
> > > > need not be related to your employment. To
> > > qualify
> > > > for disability retirement, you must be
> > > > substantially incapacited from performing
> > your
> > > job
> > > > duties, based upon a physical or mental
> > > condition
> > > > which is expected to be permanent or last
> > > > indefinitely. There is no minimum age
> > > requirement;
> > > > however, you must have at least five years
> of
> > > > CalPERS-credited service.
> > > >
> > > > Industrial Disability Retirement (Safety
> > Only)
> > > > If your disability is the result of a
> > > job-related
> > > > illness or injury, and you are a safety
> > > employee
> > > > (police officer/firefighter/lifeguard), you
> > may
> > > be
> > > > entitled to an industrial disability
> > > retirement.
> > > > If you retire, you will receive a monthly
> > > > retirement payment for the rest of your
> life
> > > (or
> > > > until you recover from your disabling
> injury
> > or
> > > > illness). There is no minimum age or
> service
> > > > requirement for an industrial disability
> > > > retirement.
> > > >
> > > > View PARS Online
> > > > Retirement Calculations
> > > > The CalPERS Retirement Estimate Calculator
> > can
> > > > help you estimate your future retirement
> > > benefits.
> > > > Since this is a planning tool, you may also
> > add
> > > > various retirement dates, salary
> information,
> > > and
> > > > future employment information to see how
> > these
> > > > changes could impact your benefits. Use the
> > > > Retirement Estimate Calculator with or
> > without
> > > a
> > > > password. If you have a password, the
> > > information
> > > > from your latest CalPERS Annual Member
> > > Statement
> > > > will be automatically added to the
> > Calculator.
> > > >
> > > > Reciprocity
> > > > CalPERS has an agreement with many
> California
> > > > public retirement systems, which allows you
> > to
> > > > move from one retirement system to the
> other
> > > > without loss of benefits. This is called
> > > > "reciprocity." These reciprocal agreements
> > may
> > > > allow you to coordinate your benefits
> between
> > > the
> > > > retirement systems when you retire.
> > Currently,
> > > you
> > > > must leave and enter into employment with a
> > > > reciprocal public agency within six months
> to
> > > be
> > > > eligible. For more specific details,
> > including
> > > a
> > > > list of those agencies with reciprocity
> > > agreements
> > > > with CalPERS, please visit the CalPERS page
> > and
> > > > download Publication 16. Please note there
> is
> > > > currently no reciprocity agreements between
> > > > CalPERS and the Los Angeles Police & Fire
> > > Pension
> > > > (LAFPP).
> > > >
> > > > For further information, review the CalPERS
> > > > publication "When You Change Retirement
> > > Systems",
> > > > contact CalPERS Member Services at (888)
> > > 225-7377
> > > > or schedule an appointment at a local
> CalPERS
> > > > Regional Office.
> > > >
> > > > Death Benefits
> > > > Pre-Retirement Death Benefits
> > > > Categories - If you die before you retire,
> > > CalPERS
> > > > provides several benefits for your family
> or
> > > the
> > > > beneficiary(ies) named by you. For
> > > miscellaneous
> > > > employees (non-safety), CalPERS divides
> > > > pre-retirement death benefits into two
> > > categories:
> > > > Not Eligible To Retire at the time of
> death,
> > > and
> > > > Eligible to Retire. For safety employees
> > (fire,
> > > > police & lifeguards), CalPERS divides the
> > > > pre-retirement death benefits into two
> > > categories:
> > > > Not Job-Related Death and Job-Related
> Death.
> > > >
> > > > Limited Death Benefit
> > > > To those who separate from CalPERS-covered
> > > > employment: upon your death, your
> beneficiary
> > > will
> > > > receive the limited death benefit (a refund
> > of
> > > > your contributions plus interest). No other
> > > > benefit will be payable, except as provided
> > by
> > > law
> > > > under special circumstances. The limited
> > death
> > > > benefit will be paid in the following
> order:
> > > (1)
> > > > your named beneficiary, or (2) spouse, or
> (3)
> > > > children, or (4) parents, or (5) brothers
> and
> > > > sisters, or (6) your estate if probated,
> (7)
> > > > trust, or (8) next of kin, as provided by
> > law.
> > > >
> > > > Naming A Beneficiary
> > > > To designate a beneficiary, or update an
> > > earlier
> > > > designation, you must fill out a CalPERS
> > > > Beneficiary Designation (form 0772). This
> > form
> > > is
> > > > available on the CalPERS website under
> > > > Publications. Certain death benefits allow
> > you
> > > to
> > > > name anyone you choose as a beneficiary. If
> > you
> > > > name a beneficiary and then (1) marry, (2)
> > > > initiate an annulment, or dissolution of
> > > marriage,
> > > > (3) have a child or adopt a child, (4)
> > > terminate
> > > > your employment and receive a refund of
> your
> > > > CalPERS contributions, your designation
> will,
> > > by
> > > > law, be revoked.
> > > >
> > > > Comparison Of Pre-Retirement Death Benefits
> > > > Local Miscellaneous (non-safety)
> > > > Local Safety
> > > >
> > > > Post-Retirement Death Benefits
> > > > When you retire, you may choose to receive
> > the
> > > > unmodified allowance, or you can take a
> > > reduction
> > > > to your allowance based on the option you
> > > select.
> > > >
> > > > The unmodified allowance is the highest
> > amount
> > > > payable to you that ends upon your death.
> > Each
> > > of
> > > > the options provides a benefit to your
> named
> > > > beneficiary after your death. Option 1
> > provides
> > > a
> > > > lump-sum payment of your remaining
> > > contributions.
> > > > Option 2, 2W, 3, 3W, or 4 provides a
> monthly
> > > > allowance. The reduction to your unmodified
> > > > allowance changes based on the option you
> > > choose.
> > > > "Option factors" are used to determine this
> > > > reduction. The amount of the reduction is
> > based
> > > on
> > > > tables that take into consideration your
> age
> > > and
> > > > the age of your beneficiary. More
> information
> > > on
> > > > the various options is available in the
> > CalPERS
> > > > Member Benefit publications.
> > > >
> > > > For further information, review the Death
> > > Benefits
> > > > section on the CalPERS website.
> > > >
> > > > How To Apply For CalPERS Retirement
> > > > It is suggested that you begin filling out
> > the
> > > > Retirement Election Application four to
> five
> > > > months before your anticipated retirement
> > date.
> > > > CalPERS does not want the application
> > submitted
> > > to
> > > > them more than 90 days prior to your
> > retirement
> > > > date. Refer to the City's "Retirement
> Guide"
> > > for
> > > > further information.
> > > >
> > > > After I Have Applied For Service
> Retirement,
> > May
> > > I
> > > > Change My Mind?
> > > > You may cancel/change your retirement any
> > time
> > > > before your first check is mailed, before
> > your
> > > > retirement date. If you do change your
> mind,
> > > > immediately contact CalPERS at (888)
> > 225-7377.
> > > If
> > > > you have completed the paperwork allocating
> > > your
> > > > unused sick leave, you also need to contact
> > > > Employee Benefits at 570-6523. Keep in mind
> > > that
> > > > your department has been notified of your
> > > > separation date, therefore, your department
> > > will
> > > > proceed with the City's separation document
> > > unless
> > > > you tell them otherwise. (If you wish to
> > return
> > > to
> > > > your position with the City contact your
> > > > supervisor to ensure there is still a
> > position
> > > > available for you.)
> > > >
> > > > Be advised that changes to your retirement
> > date
> > > > may result in a delay in you receiving your
> > > first
> > > > pension check from CalPERS.
> > > >
> > > > FAQs And Tips
> > > > Planning for your retirement may seem like
> a
> > > > daunting task. Educating yourself and
> > beginning
> > > > the process early (one year in advance of
> > your
> > > > projected retirement date) are key to a
> > smooth
> > > and
> > > > successful retirement application process.
> > The
> > > > City's "Retirement Guide" will steer you
> thru
> > > the
> > > > retirement application process.
> > > >
> > > > Health Insurance Costs For Retirees
> > > > At retirement, employees who are enrolled
> in
> > > > benefits may convert their unused hours of
> > sick
> > > > leave to pay for health, dental, vision and
> > > long
> > > > term care insurance premiums into
> retirement.
> > > >
> > > > View current retiree insurance premium
> > > > information.
> > > >
> > > > Please Note: Change of insurance providers
> > may
> > > > only be done during retiree open enrollment
> > > > annually. Any changes made will be
> effective
> > > > January 1st of the following year. If
> moving
> > > out
> > > > of state, you should contact Employee
> Benefits
> >
> > > at
> > > > (562) 570-6303 to check on the portability
> of
> > > your
> > > > insurance. If changes are necessary they
> will
> > > be
> > > > handled at the time of retirement or at a
> > later
> > > > date (when you move). Also, once you cancel
> > > your
> > > > insurance you may never re-enroll.
> > > >
> > > > CalPERS Special Power Of Attorney
> > > > A CalPERS Special Power of Attorney allows
> > you
> > > to
> > > > designate a representative or agent, known
> as
> > > your
> > > > attorney-in-fact, to conduct your
> retirement
> > > > affairs. Having a Special Power of Attorney
> > on
> > > > file with CalPERS ensures that your
> > designated
> > > > attorney-in-fact will be able to perform
> > > important
> > > > duties concerning your CalPERS business,
> such
> > > as
> > > > address changes; federal or state tax
> > > withholding
> > > > elections; lost or stolen retirement
> checks;
> > > > endorsing checks; beneficiary designations;
> > or
> > > > retirement benefit elections, should you
> > become
> > > > unable to act on your own behalf.
> > > >
> > > > Further information and the required form
> are
> > > > available on the CalPERS website; review
> the
> > > > publication CalPERS Special Power of
> > Attorney.
> > > > Read it over very carefully before
> > completing.
> > > To
> > > > be valid the form must be fully completed
> and
> > > must
> > > > be acknowledged before a notary public or
> > > signed
> > > > by two witnesses. The person agreeing to
> act
> > as
> > > > attorney-in-fact must also sign the form.
> Any
> > > > previous designations will be revoked by
> > > > completing a new form.
> > > >
> > > > In the event you have any questions
> > concerning
> > > the
> > > > effects of the appointment of an
> > > attorney-in-fact
> > > > you are strongly urged to seek legal
> advice.
> > > >
> > > > Retirement Forms
> > > > View CalPERS Forms
> > > > Retirement Living Calculator
> > > > This personal budget planning tool is
> > intended
> > > to
> > > > give the user a basic overview of the
> > potential
> > > > sources of income and expenses they may
> have
> > > > during retirement. This tool is not
> intended
> > to
> > > be
> > > > and/or replace professional advise and
> > planning
> > > > from a certified financial planner. Consult
> > > your
> > > > personal certified financial planner for
> more
> > > > accurate details.
> > > >
> > > > Download the calculator. Please note you
> must
> > > have
> > > > Microsoft Excel version 2013 or later.

Davis store Wrote:
-------------------------------------------------------
> h brake Wrote:
> ---------------------78vr45e-----------------------------
> -----
> > long beach Wrote:
> >
> --------------------------------------------------
>
> > -----
> > > Retired1 Wrote:
> > >
> >
> --------------------------------------------------
>
> >
> > > -----
> > > > Thank you for visiting the Retirement
> Section
> > > on
> > > > the City of Long Beach's Human Resources
> > > website.
> > > > Here you will find information about the
> > > > retirement benefits offered by the City
> > through
> > > > CalPERS, how to calculate your pension, how
> > to
> > > > apply, and other useful information about
> the
> > > > retirement system.
> > > >
> > > > For information on the retirement process,
> > > refer
> > > > to the City's "Retirement Guide". If you
> have
> > > any
> > > > additional questions, contact CalPERS at
> > (888)
> > > > 225-7377.
> > > >
> > > > CalPERS (What Is CalPERS)
> > > > The City of Long Beach contracts with the
> > > > California Public Employees' Retirement
> > System
> > > > (CalPERS) to manage our pension benefits.
> > > CalPERS
> > > > manages the pension and health benefits
> (the
> > > City
> > > > does not contract with CalPERS to provide
> > > health
> > > > care benefits) to more than 1.6 million
> > public
> > > > employees, retirees, and their families and
> > > more
> > > > than 3,000 employers.
> > > >
> > > > View more information on CalPERS.
> > > >
> > > > Click on the following links to access the
> > PDF
> > > > file of the City's various CalPERS Contract
> > > > Provisions for Miscellaneous Members, Fire
> > > Safety
> > > > Members, Police Safety Members and
> Lifeguard
> > > > Safety Member.
> > > >
> > > > Types Of Retirement
> > > > The City Offers Three Types Of Retirements:
> > > > Service Retirement, Disability Retirement
> And
> > > > Industrial Disability Retirement.
> > > >
> > > > Service Retirement
> > > > Service retirement is the general
> retirement
> > > from
> > > > employment after a minimum period of five
> > years
> > > of
> > > > CalPERS-credited service and attainment of
> > the
> > > > minimum age requirement.
> > > >
> > > > Disability Retirement
> > > > Disability retirement consists of a monthly
> > > > retirement allowance paid to you for the
> rest
> > > of
> > > > your life or until you recover from your
> > > disabling
> > > > injury or illness. The cause of your
> > disability
> > > > need not be related to your employment. To
> > > qualify
> > > > for disability retirement, you must be
> > > > substantially incapacited from performing
> > your
> > > job
> > > > duties, based upon a physical or mental
> > > condition
> > > > which is expected to be permanent or last
> > > > indefinitely. There is no minimum age
> > > requirement;
> > > > however, you must have at least five years
> of
> > > > CalPERS-credited service.
> > > >
> > > > Industrial Disability Retirement (Safety
> > Only)
> > > > If your disability is the result of a
> > > job-related
> > > > illness or injury, and you are a safety
> > > employee
> > > > (police officer/firefighter/lifeguard), you
> > may
> > > be
> > > > entitled to an industrial disability
> > > retirement.
> > > > If you retire, you will receive a monthly
> > > > retirement payment for the rest of your
> life
> > > (or
> > > > until you recover from your disabling
> injury
> > or
> > > > illness). There is no minimum age or
> service
> > > > requirement for an industrial disability
> > > > retirement.
> > > >
> > > > View PARS Online
> > > > Retirement Calculations
> > > > The CalPERS Retirement Estimate Calculator
> > can
> > > > help you estimate your future retirement
> > > benefits.
> > > > Since this is a planning tool, you may also
> > add
> > > > various retirement dates, salary
> information,
> > > and
> > > > future employment information to see how
> > these
> > > > changes could impact your benefits. Use the
> > > > Retirement Estimate Calculator with or
> > without
> > > a
> > > > password. If you have a password, the
> > > information
> > > > from your latest CalPERS Annual Member
> > > Statement
> > > > will be automatically added to the
> > Calculator.
> > > >
> > > > Reciprocity
> > > > CalPERS has an agreement with many
> California
> > > > public retirement systems, which allows you
> > to
> > > > move from one retirement system to the
> other
> > > > without loss of benefits. This is called
> > > > "reciprocity." These reciprocal agreements
> > may
> > > > allow you to coordinate your benefits
> between
> > > the
> > > > retirement systems when you retire.
> > Currently,
> > > you
> > > > must leave and enter into employment with a
> > > > reciprocal public agency within six months
> to
> > > be
> > > > eligible. For more specific details,
> > including
> > > a
> > > > list of those agencies with reciprocity
> > > agreements
> > > > with CalPERS, please visit the CalPERS page
> > and
> > > > download Publication 16. Please note there
> is
> > > > currently no reciprocity agreements between
> > > > CalPERS and the Los Angeles Police & Fire
> > > Pension
> > > > (LAFPP).
> > > >
> > > > For further information, review the CalPERS
> > > > publication "When You Change Retirement
> > > Systems",
> > > > contact CalPERS Member Services at (888)
> > > 225-7377
> > > > or schedule an appointment at a local
> CalPERS
> > > > Regional Office.
> > > >
> > > > Death Benefits
> > > > Pre-Retirement Death Benefits
> > > > Categories - If you die before you retire,
> > > CalPERS
> > > > provides several benefits for your family
> or
> > > the
> > > > beneficiary(ies) named by you. For
> > > miscellaneous
> > > > employees (non-safety), CalPERS divides
> > > > pre-retirement death benefits into two
> > > categories:
> > > > Not Eligible To Retire at the time of
> death,
> > > and
> > > > Eligible to Retire. For safety employees
> > (fire,
> > > > police & lifeguards), CalPERS divides the
> > > > pre-retirement death benefits into two
> > > categories:
> > > > Not Job-Related Death and Job-Related
> Death.
> > > >
> > > > Limited Death Benefit
> > > > To those who separate from CalPERS-covered
> > > > employment: upon your death, your
> beneficiary
> > > will
> > > > receive the limited death benefit (a refund
> > of
> > > > your contributions plus interest). No other
> > > > benefit will be payable, except as provided
> > by
> > > law
> > > > under special circumstances. The limited
> > death
> > > > benefit will be paid in the following
> order:
> > > (1)
> > > > your named beneficiary, or (2) spouse, or
> (3)
> > > > children, or (4) parents, or (5) brothers
> and
> > > > sisters, or (6) your estate if probated,
> (7)
> > > > trust, or (8) next of kin, as provided by
> > law.
> > > >
> > > > Naming A Beneficiary
> > > > To designate a beneficiary, or update an
> > > earlier
> > > > designation, you must fill out a CalPERS
> > > > Beneficiary Designation (form 0772). This
> > form
> > > is
> > > > available on the CalPERS website under
> > > > Publications. Certain death benefits allow
> > you
> > > to
> > > > name anyone you choose as a beneficiary. If
> > you
> > > > name a beneficiary and then (1) marry, (2)
> > > > initiate an annulment, or dissolution of
> > > marriage,
> > > > (3) have a child or adopt a child, (4)
> > > terminate
> > > > your employment and receive a refund of
> your
> > > > CalPERS contributions, your designation
> will,
> > > by
> > > > law, be revoked.
> > > >
> > > > Comparison Of Pre-Retirement Death Benefits
> > > > Local Miscellaneous (non-safety)
> > > > Local Safety
> > > >
> > > > Post-Retirement Death Benefits
> > > > When you retire, you may choose to receive
> > the
> > > > unmodified allowance, or you can take a
> > > reduction
> > > > to your allowance based on the option you
> > > select.
> > > >
> > > > The unmodified allowance is the highest
> > amount
> > > > payable to you that ends upon your death.
> > Each
> > > of
> > > > the options provides a benefit to your
> named
> > > > beneficiary after your death. Option 1
> > provides
> > > a
> > > > lump-sum payment of your remaining
> > > contributions.
> > > > Option 2, 2W, 3, 3W, or 4 provides a
> monthly
> > > > allowance. The reduction to your unmodified
> > > > allowance changes based on the option you
> > > choose.
> > > > "Option factors" are used to determine this
> > > > reduction. The amount of the reduction is
> > based
> > > on
> > > > tables that take into consideration your
> age
> > > and
> > > > the age of your beneficiary. More
> information
> > > on
> > > > the various options is available in the
> > CalPERS
> > > > Member Benefit publications.
> > > >
> > > > For further information, review the Death
> > > Benefits
> > > > section on the CalPERS website.
> > > >
> > > > How To Apply For CalPERS Retirement
> > > > It is suggested that you begin filling out
> > the
> > > > Retirement Election Application four to
> five
> > > > months before your anticipated retirement
> > date.
> > > > CalPERS does not want the application
> > submitted
> > > to
> > > > them more than 90 days prior to your
> > retirement
> > > > date. Refer to the City's "Retirement
> Guide"
> > > for
> > > > further information.
> > > >
> > > > After I Have Applied For Service
> Retirement,
> > May
> > > I
> > > > Change My Mind?
> > > > You may cancel/change your retirement any
> > time
> > > > before your first check is mailed, before
> > your
> > > > retirement date. If you do change your
> mind,
> > > > immediately contact CalPERS at (888)
> > 225-7377.
> > > If
> > > > you have completed the paperwork allocating
> > > your
> > > > unused sick leave, you also need to contact
> > > > Employee Benefits at 570-6523. Keep in mind
> > > that
> > > > your department has been notified of your
> > > > separation date, therefore, your department
> > > will
> > > > proceed with the City's separation document
> > > unless
> > > > you tell them otherwise. (If you wish to
> > return
> > > to
> > > > your position with the City contact your
> > > > supervisor to ensure there is still a
> > position
> > > > available for you.)
> > > >
> > > > Be advised that changes to your retirement
> > date
> > > > may result in a delay in you receiving your
> > > first
> > > > pension check from CalPERS.
> > > >
> > > > FAQs And Tips
> > > > Planning for your retirement may seem like
> a
> > > > daunting task. Educating yourself and
> > beginning
> > > > the process early (one year in advance of
> > your
> > > > projected retirement date) are key to a
> > smooth
> > > and
> > > > successful retirement application process.
> > The
> > > > City's "Retirement Guide" will steer you
> thru
> > > the
> > > > retirement application process.
> > > >
> > > > Health Insurance Costs For Retirees
> > > > At retirement, employees who are enrolled
> in
> > > > benefits may convert their unused hours of
> > sick
> > > > leave to pay for health, dental, vision and
> > > long
> > > > term care insurance premiums into
> retirement.
> > > >
> > > > View current retiree insurance premium
> > > > information.
> > > >
> > > > Please Note: Change of insurance providers
> > may
> > > > only be done during retiree open enrollment
> > > > annually. Any changes made will be
> effective
> > > > January 1st of the following year. If
> moving
> > > out
> > > > of state, you should contact Employee
> Benefits
> >
> > > at
> > > > (562) 570-6303 to check on the portability
> of
> > > your
> > > > insurance. If changes are necessary they
> will
> > > be
> > > > handled at the time of retirement or at a
> > later
> > > > date (when you move). Also, once you cancel
> > > your
> > > > insurance you may never re-enroll.
> > > >
> > > > CalPERS Special Power Of Attorney
> > > > A CalPERS Special Power of Attorney allows
> > you
> > > to
> > > > designate a representative or agent, known
> as
> > > your
> > > > attorney-in-fact, to conduct your
> retirement
> > > > affairs. Having a Special Power of Attorney
> > on
> > > > file with CalPERS ensures that your
> > designated
> > > > attorney-in-fact will be able to perform
> > > important
> > > > duties concerning your CalPERS business,
> such
> > > as
> > > > address changes; federal or state tax
> > > withholding
> > > > elections; lost or stolen retirement
> checks;
> > > > endorsing checks; beneficiary designations;
> > or
> > > > retirement benefit elections, should you
> > become
> > > > unable to act on your own behalf.
> > > >
> > > > Further information and the required form
> are
> > > > available on the CalPERS website; review
> the
> > > > publication CalPERS Special Power of
> > Attorney.
> > > > Read it over very carefully before
> > completing.
> > > To
> > > > be valid the form must be fully completed
> and
> > > must
> > > > be acknowledged before a notary public or
> > > signed
> > > > by two witnesses. The person agreeing to
> act
> > as
> > > > attorney-in-fact must also sign the form.
> Any
> > > > previous designations will be revoked by
> > > > completing a new form.
> > > >
> > > > In the event you have any questions
> > concerning
> > > the
> > > > effects of the appointment of an
> > > attorney-in-fact
> > > > you are strongly urged to seek legal
> advice.
> > > >
> > > > Retirement Forms
> > > > View CalPERS Forms
> > > > Retirement Living Calculator
> > > > This personal budget planning tool is
> > intended
> > > to
> > > > give the user a basic overview of the
> > potential
> > > > sources of income and expenses they may
> have
> > > > during retirement. This tool is not
> intended
> > to
> > > be
> > > > and/or replace professional advise and
> > planning
> > > > from a certified financial planner. Consult
> > > your
> > > > personal certified financial planner for
> more
> > > > accurate details.
> > > >
> > > > Download the calculator. Please note you
> must
> > > have
> > > > Microsoft Excel version 2013 or later.Thank
> > you
> > > > for visiting the Retirement Section on the
> > City
> > > of
> > > > Long Beach's Human Resources website. Here
> > you
> > > > will find information about the retirement
> > > > benefits offered by the City through
> CalPERS,
> > > how
> > > > to calculate your pension, how to apply,
> and
> > > other
> > > > useful information about the retirement
> > system.
> > > >
> > > > For information on the retirement process,
> > > refer
> > > > to the City's "Retirement Guide". If you
> have
> > > any
> > > > additional questions, contact CalPERS at
> > (888)
> > > > 225-7377.
> > > >
> > > > CalPERS (What Is CalPERS)
> > > > The City of Long Beach contracts with the
> > > > California Public Employees' Retirement
> > System
> > > > (CalPERS) to manage our pension benefits.
> > > CalPERS
> > > > manages the pension and health benefits
> (the
> > > City
> > > > does not contract with CalPERS to provide
> > > health
> > > > care benefits) to more than 1.6 million
> > public
> > > > employees, retirees, and their families and
> > > more
> > > > than 3,000 employers.
> > > >
> > > > View more information on CalPERS.
> > > >
> > > > Click on the following links to access the
> > PDF
> > > > file of the City's various CalPERS Contract
> > > > Provisions for Miscellaneous Members, Fire
> > > Safety
> > > > Members, Police Safety Members and
> Lifeguard
> > > > Safety Member.
> > > >
> > > > Types Of Retirement
> > > > The City Offers Three Types Of Retirements:
> > > > Service Retirement, Disability Retirement
> And
> > > > Industrial Disability Retirement.
> > > >
> > > > Service Retirement
> > > > Service retirement is the general
> retirement
> > > from
> > > > employment after a minimum period of five
> > years
> > > of
> > > > CalPERS-credited service and attainment of
> > the
> > > > minimum age requirement.
> > > >
> > > > Disability Retirement
> > > > Disability retirement consists of a monthly
> > > > retirement allowance paid to you for the
> rest
> > > of
> > > > your life or until you recover from your
> > > disabling
> > > > injury or illness. The cause of your
> > disability
> > > > need not be related to your employment. To
> > > qualify
> > > > for disability retirement, you must be
> > > > substantially incapacited from performing
> > your
> > > job
> > > > duties, based upon a physical or mental
> > > condition
> > > > which is expected to be permanent or last
> > > > indefinitely. There is no minimum age
> > > requirement;
> > > > however, you must have at least five years
> of
> > > > CalPERS-credited service.
> > > >
> > > > Industrial Disability Retirement (Safety
> > Only)
> > > > If your disability is the result of a
> > > job-related
> > > > illness or injury, and you are a safety
> > > employee
> > > > (police officer/firefighter/lifeguard), you
> > may
> > > be
> > > > entitled to an industrial disability
> > > retirement.
> > > > If you retire, you will receive a monthly
> > > > retirement payment for the rest of your
> life
> > > (or
> > > > until you recover from your disabling
> injury
> > or
> > > > illness). There is no minimum age or
> service
> > > > requirement for an industrial disability
> > > > retirement.
> > > >
> > > > View PARS Online
> > > > Retirement Calculations
> > > > The CalPERS Retirement Estimate Calculator
> > can
> > > > help you estimate your future retirement
> > > benefits.
> > > > Since this is a planning tool, you may also
> > add
> > > > various retirement dates, salary
> information,
> > > and
> > > > future employment information to see how
> > these
> > > > changes could impact your benefits. Use the
> > > > Retirement Estimate Calculator with or
> > without
> > > a
> > > > password. If you have a password, the
> > > information
> > > > from your latest CalPERS Annual Member
> > > Statement
> > > > will be automatically added to the
> > Calculator.
> > > >
> > > > Reciprocity
> > > > CalPERS has an agreement with many
> California
> > > > public retirement systems, which allows you
> > to
> > > > move from one retirement system to the
> other
> > > > without loss of benefits. This is called
> > > > "reciprocity." These reciprocal agreements
> > may
> > > > allow you to coordinate your benefits
> between
> > > the
> > > > retirement systems when you retire.
> > Currently,
> > > you
> > > > must leave and enter into employment with a
> > > > reciprocal public agency within six months
> to
> > > be
> > > > eligible. For more specific details,
> > including
> > > a
> > > > list of those agencies with reciprocity
> > > agreements
> > > > with CalPERS, please visit the CalPERS page
> > and
> > > > download Publication 16. Please note there
> is
> > > > currently no reciprocity agreements between
> > > > CalPERS and the Los Angeles Police & Fire
> > > Pension
> > > > (LAFPP).
> > > >
> > > > For further information, review the CalPERS
> > > > publication "When You Change Retirement
> > > Systems",
> > > > contact CalPERS Member Services at (888)
> > > 225-7377
> > > > or schedule an appointment at a local
> CalPERS
> > > > Regional Office.
> > > >
> > > > Death Benefits
> > > > Pre-Retirement Death Benefits
> > > > Categories - If you die before you retire,
> > > CalPERS
> > > > provides several benefits for your family
> or
> > > the
> > > > beneficiary(ies) named by you. For
> > > miscellaneous
> > > > employees (non-safety), CalPERS divides
> > > > pre-retirement death benefits into two
> > > categories:
> > > > Not Eligible To Retire at the time of
> death,
> > > and
> > > > Eligible to Retire. For safety employees
> > (fire,
> > > > police & lifeguards), CalPERS divides the
> > > > pre-retirement death benefits into two
> > > categories:
> > > > Not Job-Related Death and Job-Related
> Death.
> > > >
> > > > Limited Death Benefit
> > > > To those who separate from CalPERS-covered
> > > > employment: upon your death, your
> beneficiary
> > > will
> > > > receive the limited death benefit (a refund
> > of
> > > > your contributions plus interest). No other
> > > > benefit will be payable, except as provided
> > by
> > > law
> > > > under special circumstances. The limited
> > death
> > > > benefit will be paid in the following
> order:
> > > (1)
> > > > your named beneficiary, or (2) spouse, or
> (3)
> > > > children, or (4) parents, or (5) brothers
> and
> > > > sisters, or (6) your estate if probated,
> (7)
> > > > trust, or (8) next of kin, as provided by
> > law.
> > > >
> > > > Naming A Beneficiary
> > > > To designate a beneficiary, or update an
> > > earlier
> > > > designation, you must fill out a CalPERS
> > > > Beneficiary Designation (form 0772). This
> > form
> > > is
> > > > available on the CalPERS website under
> > > > Publications. Certain death benefits allow
> > you
> > > to
> > > > name anyone you choose as a beneficiary. If
> > you
> > > > name a beneficiary and then (1) marry, (2)
> > > > initiate an annulment, or dissolution of
> > > marriage,
> > > > (3) have a child or adopt a child, (4)
> > > terminate
> > > > your employment and receive a refund of
> your
> > > > CalPERS contributions, your designation
> will,
> > > by
> > > > law, be revoked.
> > > >
> > > > Comparison Of Pre-Retirement Death Benefits
> > > > Local Miscellaneous (non-safety)
> > > > Local Safety
> > > >
> > > > Post-Retirement Death Benefits
> > > > When you retire, you may choose to receive
> > the
> > > > unmodified allowance, or you can take a
> > > reduction
> > > > to your allowance based on the option you
> > > select.
> > > >
> > > > The unmodified allowance is the highest
> > amount
> > > > payable to you that ends upon your death.
> > Each
> > > of
> > > > the options provides a benefit to your
> named
> > > > beneficiary after your death. Option 1
> > provides
> > > a
> > > > lump-sum payment of your remaining
> > > contributions.
> > > > Option 2, 2W, 3, 3W, or 4 provides a
> monthly
> > > > allowance. The reduction to your unmodified
> > > > allowance changes based on the option you
> > > choose.
> > > > "Option factors" are used to determine this
> > > > reduction. The amount of the reduction is
> > based
> > > on
> > > > tables that take into consideration your
> age
> > > and
> > > > the age of your beneficiary. More
> information
> > > on
> > > > the various options is available in the
> > CalPERS
> > > > Member Benefit publications.
> > > >
> > > > For further information, review the Death
> > > Benefits
> > > > section on the CalPERS website.
> > > >
> > > > How To Apply For CalPERS Retirement
> > > > It is suggested that you begin filling out
> > the
> > > > Retirement Election Application four to
> five
> > > > months before your anticipated retirement
> > date.
> > > > CalPERS does not want the application
> > submitted
> > > to
> > > > them more than 90 days prior to your
> > retirement
> > > > date. Refer to the City's "Retirement
> Guide"
> > > for
> > > > further information.
> > > >
> > > > After I Have Applied For Service
> Retirement,
> > May
> > > I
> > > > Change My Mind?
> > > > You may cancel/change your retirement any
> > time
> > > > before your first check is mailed, before
> > your
> > > > retirement date. If you do change your
> mind,
> > > > immediately contact CalPERS at (888)
> > 225-7377.
> > > If
> > > > you have completed the paperwork allocating
> > > your
> > > > unused sick leave, you also need to contact
> > > > Employee Benefits at 570-6523. Keep in mind
> > > that
> > > > your department has been notified of your
> > > > separation date, therefore, your department
> > > will
> > > > proceed with the City's separation document
> > > unless
> > > > you tell them otherwise. (If you wish to
> > return
> > > to
> > > > your position with the City contact your
> > > > supervisor to ensure there is still a
> > position
> > > > available for you.)
> > > >
> > > > Be advised that changes to your retirement
> > date
> > > > may result in a delay in you receiving your
> > > first
> > > > pension check from CalPERS.
> > > >
> > > > FAQs And Tips
> > > > Planning for your retirement may seem like
> a
> > > > daunting task. Educating yourself and
> > beginning
> > > > the process early (one year in advance of
> > your
> > > > projected retirement date) are key to a
> > smooth
> > > and
> > > > successful retirement application process.
> > The
> > > > City's "Retirement Guide" will steer you
> thru
> > > the
> > > > retirement application process.
> > > >
> > > > Health Insurance Costs For Retirees
> > > > At retirement, employees who are enrolled
> in
> > > > benefits may convert their unused hours of
> > sick
> > > > leave to pay for health, dental, vision and
> > > long
> > > > term care insurance premiums into
> retirement.
> > > >
> > > > View current retiree insurance premium
> > > > information.
> > > >
> > > > Please Note: Change of insurance providers
> > may
> > > > only be done during retiree open enrollment
> > > > annually. Any changes made will be
> effective
> > > > January 1st of the following year. If
> moving
> > > out
> > > > of state, you should contact Employee
> Benefits
> >
> > > at
> > > > (562) 570-6303 to check on the portability
> of
> > > your
> > > > insurance. If changes are necessary they
> will
> > > be
> > > > handled at the time of retirement or at a
> > later
> > > > date (when you move). Also, once you cancel
> > > your
> > > > insurance you may never re-enroll.
> > > >
> > > > CalPERS Special Power Of Attorney
> > > > A CalPERS Special Power of Attorney allows
> > you
> > > to
> > > > designate a representative or agent, known
> as
> > > your
> > > > attorney-in-fact, to conduct your
> retirement
> > > > affairs. Having a Special Power of Attorney
> > on
> > > > file with CalPERS ensures that your
> > designated
> > > > attorney-in-fact will be able to perform
> > > important
> > > > duties concerning your CalPERS business,
> such
> > > as
> > > > address changes; federal or state tax
> > > withholding
> > > > elections; lost or stolen retirement
> checks;
> > > > endorsing checks; beneficiary designations;
> > or
> > > > retirement benefit elections, should you
> > become
> > > > unable to act on your own behalf.
> > > >
> > > > Further information and the required form
> are
> > > > available on the CalPERS website; review
> the
> > > > publication CalPERS Special Power of
> > Attorney.
> > > > Read it over very carefully before
> > completing.
> > > To
> > > > be valid the form must be fully completed
> and
> > > must
> > > > be acknowledged before a notary public or
> > > signed
> > > > by two witnesses. The person agreeing to
> act
> > as
> > > > attorney-in-fact must also sign the form.
> Any
> > > > previous designations will be revoked by
> > > > completing a new form.
> > > >
> > > > In the event you have any questions
> > concerning
> > > the
> > > > effects of the appointment of an
> > > attorney-in-fact
> > > > you are strongly urged to seek legal
> advice.
> > > >
> > > > Retirement Forms
> > > > View CalPERS Forms
> > > > Retirement Living Calculator
> > > > This personal budget planning tool is
> > intended
> > > to
> > > > give the user a basic overview of the
> > potential
> > > > sources of income and expenses they may
> have
> > > > during retirement. This tool is not
> intended
> > to
> > > be
> > > > and/or replace professional advise and
> > planning
> > > > from a certified financial planner. Consult
> > > your
> > > > personal certified financial planner for
> more
> > > > accurate details.
> > > >
> > > > Download the calculator. Please note you
> must
> > > have
> > > > Microsoft Excel version 2013 or laterThank
> > you
> > > for
> > > > visiting the Retirement Section on the City
> > of
> > > > Long Beach's Human Resources website. Here
> > you
> > > > will find information about the retirement
> > > > benefits offered by the City through
> CalPERS,
> > > how
> > > > to calculate your pension, how to apply,
> and
> > > other
> > > > useful information about the retirement
> > system.
> > > >
> > > > For information on the retirement process,
> > > refer
> > > > to the City's "Retirement Guide". If you
> have
> > > any
> > > > additional questions, contact CalPERS at
> > (888)
> > > > 225-7377.
> > > >
> > > > CalPERS (What Is CalPERS)
> > > > The City of Long Beach contracts with the
> > > > California Public Employees' Retirement
> > System
> > > > (CalPERS) to manage our pension benefits.
> > > CalPERS
> > > > manages the pension and health benefits
> (the
> > > City
> > > > does not contract with CalPERS to provide
> > > health
> > > > care benefits) to more than 1.6 million
> > public
> > > > employees, retirees, and their families and
> > > more
> > > > than 3,000 employers.
> > > >
> > > > View more information on CalPERS.
> > > >
> > > > Click on the following links to access the
> > PDF
> > > > file of the City's various CalPERS Contract
> > > > Provisions for Miscellaneous Members, Fire
> > > Safety
> > > > Members, Police Safety Members and
> Lifeguard
> > > > Safety Member.
> > > >
> > > > Types Of Retirement
> > > > The City Offers Three Types Of Retirements:
> > > > Service Retirement, Disability Retirement
> And
> > > > Industrial Disability Retirement.
> > > >
> > > > Service Retirement
> > > > Service retirement is the general
> retirement
> > > from
> > > > employment after a minimum period of five
> > years
> > > of
> > > > CalPERS-credited service and attainment of
> > the
> > > > minimum age requirement.
> > > >
> > > > Disability Retirement
> > > > Disability retirement consists of a monthly
> > > > retirement allowance paid to you for the
> rest
> > > of
> > > > your life or until you recover from your
> > > disabling
> > > > injury or illness. The cause of your
> > disability
> > > > need not be related to your employment. To
> > > qualify
> > > > for disability retirement, you must be
> > > > substantially incapacited from performing
> > your
> > > job
> > > > duties, based upon a physical or mental
> > > condition
> > > > which is expected to be permanent or last
> > > > indefinitely. There is no minimum age
> > > requirement;
> > > > however, you must have at least five years
> of
> > > > CalPERS-credited service.
> > > >
> > > > Industrial Disability Retirement (Safety
> > Only)
> > > > If your disability is the result of a
> > > job-related
> > > > illness or injury, and you are a safety
> > > employee
> > > > (police officer/firefighter/lifeguard), you
> > may
> > > be
> > > > entitled to an industrial disability
> > > retirement.
> > > > If you retire, you will receive a monthly
> > > > retirement payment for the rest of your
> life
> > > (or
> > > > until you recover from your disabling
> injury
> > or
> > > > illness). There is no minimum age or
> service
> > > > requirement for an industrial disability
> > > > retirement.
> > > >
> > > > View PARS Online
> > > > Retirement Calculations
> > > > The CalPERS Retirement Estimate Calculator
> > can
> > > > help you estimate your future retirement
> > > benefits.
> > > > Since this is a planning tool, you may also
> > add
> > > > various retirement dates, salary
> information,
> > > and
> > > > future employment information to see how
> > these
> > > > changes could impact your benefits. Use the
> > > > Retirement Estimate Calculator with or
> > without
> > > a
> > > > password. If you have a password, the
> > > information
> > > > from your latest CalPERS Annual Member
> > > Statement
> > > > will be automatically added to the
> > Calculator.
> > > >
> > > > Reciprocity
> > > > CalPERS has an agreement with many
> California
> > > > public retirement systems, which allows you
> > to
> > > > move from one retirement system to the
> other
> > > > without loss of benefits. This is called
> > > > "reciprocity." These reciprocal agreements
> > may
> > > > allow you to coordinate your benefits
> between
> > > the
> > > > retirement systems when you retire.
> > Currently,
> > > you
> > > > must leave and enter into employment with a
> > > > reciprocal public agency within six months
> to
> > > be
> > > > eligible. For more specific details,
> > including
> > > a
> > > > list of those agencies with reciprocity
> > > agreements
> > > > with CalPERS, please visit the CalPERS page
> > and
> > > > download Publication 16. Please note there
> is
> > > > currently no reciprocity agreements between
> > > > CalPERS and the Los Angeles Police & Fire
> > > Pension
> > > > (LAFPP).
> > > >
> > > > For further information, review the CalPERS
> > > > publication "When You Change Retirement
> > > Systems",
> > > > contact CalPERS Member Services at (888)
> > > 225-7377
> > > > or schedule an appointment at a local
> CalPERS
> > > > Regional Office.
> > > >
> > > > Death Benefits
> > > > Pre-Retirement Death Benefits
> > > > Categories - If you die before you retire,
> > > CalPERS
> > > > provides several benefits for your family
> or
> > > the
> > > > beneficiary(ies) named by you. For
> > > miscellaneous
> > > > employees (non-safety), CalPERS divides
> > > > pre-retirement death benefits into two
> > > categories:
> > > > Not Eligible To Retire at the time of
> death,
> > > and
> > > > Eligible to Retire. For safety employees
> > (fire,
> > > > police & lifeguards), CalPERS divides the
> > > > pre-retirement death benefits into two
> > > categories:
> > > > Not Job-Related Death and Job-Related
> Death.
> > > >
> > > > Limited Death Benefit
> > > > To those who separate from CalPERS-covered
> > > > employment: upon your death, your
> beneficiary
> > > will
> > > > receive the limited death benefit (a refund
> > of
> > > > your contributions plus interest). No other
> > > > benefit will be payable, except as provided
> > by
> > > law
> > > > under special circumstances. The limited
> > death
> > > > benefit will be paid in the following
> order:
> > > (1)
> > > > your named beneficiary, or (2) spouse, or
> (3)
> > > > children, or (4) parents, or (5) brothers
> and
> > > > sisters, or (6) your estate if probated,
> (7)
> > > > trust, or (8) next of kin, as provided by
> > law.
> > > >
> > > > Naming A Beneficiary
> > > > To designate a beneficiary, or update an
> > > earlier
> > > > designation, you must fill out a CalPERS
> > > > Beneficiary Designation (form 0772). This
> > form
> > > is
> > > > available on the CalPERS website under
> > > > Publications. Certain death benefits allow
> > you
> > > to
> > > > name anyone you choose as a beneficiary. If
> > you
> > > > name a beneficiary and then (1) marry, (2)
> > > > initiate an annulment, or dissolution of
> > > marriage,
> > > > (3) have a child or adopt a child, (4)
> > > terminate
> > > > your employment and receive a refund of
> your
> > > > CalPERS contributions, your designation
> will,
> > > by
> > > > law, be revoked.
> > > >
> > > > Comparison Of Pre-Retirement Death Benefits
> > > > Local Miscellaneous (non-safety)
> > > > Local Safety
> > > >
> > > > Post-Retirement Death Benefits
> > > > When you retire, you may choose to receive
> > the
> > > > unmodified allowance, or you can take a
> > > reduction
> > > > to your allowance based on the option you
> > > select.
> > > >
> > > > The unmodified allowance is the highest
> > amount
> > > > payable to you that ends upon your death.
> > Each
> > > of
> > > > the options provides a benefit to your
> named
> > > > beneficiary after your death. Option 1
> > provides
> > > a
> > > > lump-sum payment of your remaining
> > > contributions.
> > > > Option 2, 2W, 3, 3W, or 4 provides a
> monthly
> > > > allowance. The reduction to your unmodified
> > > > allowance changes based on the option you
> > > choose.
> > > > "Option factors" are used to determine this
> > > > reduction. The amount of the reduction is
> > based
> > > on
> > > > tables that take into consideration your
> age
> > > and
> > > > the age of your beneficiary. More
> information
> > > on
> > > > the various options is available in the
> > CalPERS
> > > > Member Benefit publications.
> > > >
> > > > For further information, review the Death
> > > Benefits
> > > > section on the CalPERS website.
> > > >
> > > > How To Apply For CalPERS Retirement
> > > > It is suggested that you begin filling out
> > the
> > > > Retirement Election Application four to
> five
> > > > months before your anticipated retirement
> > date.
> > > > CalPERS does not want the application
> > submitted
> > > to
> > > > them more than 90 days prior to your
> > retirement
> > > > date. Refer to the City's "Retirement
> Guide"
> > > for
> > > > further information.
> > > >
> > > > After I Have Applied For Service
> Retirement,
> > May
> > > I
> > > > Change My Mind?
> > > > You may cancel/change your retirement any
> > time
> > > > before your first check is mailed, before
> > your
> > > > retirement date. If you do change your
> mind,
> > > > immediately contact CalPERS at (888)
> > 225-7377.
> > > If
> > > > you have completed the paperwork allocating
> > > your
> > > > unused sick leave, you also need to contact
> > > > Employee Benefits at 570-6523. Keep in mind
> > > that
> > > > your department has been notified of your
> > > > separation date, therefore, your department
> > > will
> > > > proceed with the City's separation document
> > > unless
> > > > you tell them otherwise. (If you wish to
> > return
> > > to
> > > > your position with the City contact your
> > > > supervisor to ensure there is still a
> > position
> > > > available for you.)
> > > >
> > > > Be advised that changes to your retirement
> > date
> > > > may result in a delay in you receiving your
> > > first
> > > > pension check from CalPERS.
> > > >
> > > > FAQs And Tips
> > > > Planning for your retirement may seem like
> a
> > > > daunting task. Educating yourself and
> > beginning
> > > > the process early (one year in advance of
> > your
> > > > projected retirement date) are key to a
> > smooth
> > > and
> > > > successful retirement application process.
> > The
> > > > City's "Retirement Guide" will steer you
> thru
> > > the
> > > > retirement application process.
> > > >
> > > > Health Insurance Costs For Retirees
> > > > At retirement, employees who are enrolled
> in
> > > > benefits may convert their unused hours of
> > sick
> > > > leave to pay for health, dental, vision and
> > > long
> > > > term care insurance premiums into
> retirement.
> > > >
> > > > View current retiree insurance premium
> > > > information.
> > > >
> > > > Please Note: Change of insurance providers
> > may
> > > > only be done during retiree open enrollment
> > > > annually. Any changes made will be
> effective
> > > > January 1st of the following year. If
> moving
> > > out
> > > > of state, you should contact Employee
> Benefits
> >
> > > at
> > > > (562) 570-6303 to check on the portability
> of
> > > your
> > > > insurance. If changes are necessary they
> will
> > > be
> > > > handled at the time of retirement or at a
> > later
> > > > date (when you move). Also, once you cancel
> > > your
> > > > insurance you may never re-enroll.
> > > >
> > > > CalPERS Special Power Of Attorney
> > > > A CalPERS Special Power of Attorney allows
> > you
> > > to
> > > > designate a representative or agent, known
> as
> > > your
> > > > attorney-in-fact, to conduct your
> retirement
> > > > affairs. Having a Special Power of Attorney
> > on
> > > > file with CalPERS ensures that your
> > designated
> > > > attorney-in-fact will be able to perform
> > > important
> > > > duties concerning your CalPERS business,
> such
> > > as
> > > > address changes; federal or state tax
> > > withholding
> > > > elections; lost or stolen retirement
> checks;
> > > > endorsing checks; beneficiary designations;
> > or
> > > > retirement benefit elections, should you
> > become
> > > > unable to act on your own behalf.
> > > >
> > > > Further information and the required form
> are
> > > > available on the CalPERS website; review
> the
> > > > publication CalPERS Special Power of
> > Attorney.
> > > > Read it over very carefully before
> > completing.
> > > To
> > > > be valid the form must be fully completed
> and
> > > must
> > > > be acknowledged before a notary public or
> > > signed
> > > > by two witnesses. The person agreeing to
> act
> > as
> > > > attorney-in-fact must also sign the form.
> Any
> > > > previous designations will be revoked by
> > > > completing a new form.
> > > >
> > > > In the event you have any questions
> > concerning
> > > the
> > > > effects of the appointment of an
> > > attorney-in-fact
> > > > you are strongly urged to seek legal
> advice.
> > > >
> > > > Retirement Forms
> > > > View CalPERS Forms
> > > > Retirement Living Calculator
> > > > This personal budget planning tool is
> > intended
> > > to
> > > > give the user a basic overview of the
> > potential
> > > > sources of income and expenses they may
> have
> > > > during retirement. This tool is not
> intended
> > to
> > > be
> > > > and/or replace professional advise and
> > planning
> > > > from a certified financial planner. Consult
> > > your
> > > > personal certified financial planner for
> more
> > > > accurate details.
> > > >
> > > > Download the calculator. Please note you
> must
> > > have
> > > > Microsoft Excel version 2013 or later.
> > > >
> > > > Thank you for visiting the Retirement
> Section
> > > on
> > > > the City of Long Beach's Human Resources
> > > website.
> > > > Here you will find information about the
> > > > retirement benefits offered by the City
> > through
> > > > CalPERS, how to calculate your pension, how
> > to
> > > > apply, and other useful information about
> the
> > > > retirement system.
> > > >
> > > > For information on the retirement process,
> > > refer
> > > > to the City's "Retirement Guide". If you
> have
> > > any
> > > > additional questions, contact CalPERS at
> > (888)
> > > > 225-7377.
> > > >
> > > > CalPERS (What Is CalPERS)
> > > > The City of Long Beach contracts with the
> > > > California Public Employees' Retirement
> > System
> > > > (CalPERS) to manage our pension benefits.
> > > CalPERS
> > > > manages the pension and health benefits
> (the
> > > City
> > > > does not contract with CalPERS to provide
> > > health
> > > > care benefits) to more than 1.6 million
> > public
> > > > employees, retirees, and their families and
> > > more
> > > > than 3,000 employers.
> > > >
> > > > View more information on CalPERS.
> > > >
> > > > Click on the following links to access the
> > PDF
> > > > file of the City's various CalPERS Contract
> > > > Provisions for Miscellaneous Members, Fire
> > > Safety
> > > > Members, Police Safety Members and
> Lifeguard
> > > > Safety Member.
> > > >
> > > > Types Of Retirement
> > > > The City Offers Three Types Of Retirements:
> > > > Service Retirement, Disability Retirement
> And
> > > > Industrial Disability Retirement.
> > > >
> > > > Service Retirement
> > > > Service retirement is the general
> retirement
> > > from
> > > > employment after a minimum period of five
> > years
> > > of
> > > > CalPERS-credited service and attainment of
> > the
> > > > minimum age requirement.
> > > >
> > > > Disability Retirement
> > > > Disability retirement consists of a monthly
> > > > retirement allowance paid to you for the
> rest
> > > of
> > > > your life or until you recover from your
> > > disabling
> > > > injury or illness. The cause of your
> > disability
> > > > need not be related to your employment. To
> > > qualify
> > > > for disability retirement, you must be
> > > > substantially incapacited from performing
> > your
> > > job
> > > > duties, based upon a physical or mental
> > > condition
> > > > which is expected to be permanent or last
> > > > indefinitely. There is no minimum age
> > > requirement;
> > > > however, you must have at least five years
> of
> > > > CalPERS-credited service.
> > > >
> > > > Industrial Disability Retirement (Safety
> > Only)
> > > > If your disability is the result of a
> > > job-related
> > > > illness or injury, and you are a safety
> > > employee
> > > > (police officer/firefighter/lifeguard), you
> > may
> > > be
> > > > entitled to an industrial disability
> > > retirement.
> > > > If you retire, you will receive a monthly
> > > > retirement payment for the rest of your
> life
> > > (or
> > > > until you recover from your disabling
> injury
> > or
> > > > illness). There is no minimum age or
> service
> > > > requirement for an industrial disability
> > > > retirement.
> > > >
> > > > View PARS Online
> > > > Retirement Calculations
> > > > The CalPERS Retirement Estimate Calculator
> > can
> > > > help you estimate your future retirement
> > > benefits.
> > > > Since this is a planning tool, you may also
> > add
> > > > various retirement dates, salary
> information,
> > > and
> > > > future employment information to see how
> > these
> > > > changes could impact your benefits. Use the
> > > > Retirement Estimate Calculator with or
> > without
> > > a
> > > > password. If you have a password, the
> > > information
> > > > from your latest CalPERS Annual Member
> > > Statement
> > > > will be automatically added to the
> > Calculator.
> > > >
> > > > Reciprocity
> > > > CalPERS has an agreement with many
> California
> > > > public retirement systems, which allows you
> > to
> > > > move from one retirement system to the
> other
> > > > without loss of benefits. This is called
> > > > "reciprocity." These reciprocal agreements
> > may
> > > > allow you to coordinate your benefits
> between
> > > the
> > > > retirement systems when you retire.
> > Currently,
> > > you
> > > > must leave and enter into employment with a
> > > > reciprocal public agency within six months
> to
> > > be
> > > > eligible. For more specific details,
> > including
> > > a
> > > > list of those agencies with reciprocity
> > > agreements
> > > > with CalPERS, please visit the CalPERS page
> > and
> > > > download Publication 16. Please note there
> is
> > > > currently no reciprocity agreements between
> > > > CalPERS and the Los Angeles Police & Fire
> > > Pension
> > > > (LAFPP).
> > > >
> > > > For further information, review the CalPERS
> > > > publication "When You Change Retirement
> > > Systems",
> > > > contact CalPERS Member Services at (888)
> > > 225-7377
> > > > or schedule an appointment at a local
> CalPERS
> > > > Regional Office.
> > > >
> > > > Death Benefits
> > > > Pre-Retirement Death Benefits
> > > > Categories - If you die before you retire,
> > > CalPERS
> > > > provides several benefits for your family
> or
> > > the
> > > > beneficiary(ies) named by you. For
> > > miscellaneous
> > > > employees (non-safety), CalPERS divides
> > > > pre-retirement death benefits into two
> > > categories:
> > > > Not Eligible To Retire at the time of
> death,
> > > and
> > > > Eligible to Retire. For safety employees
> > (fire,
> > > > police & lifeguards), CalPERS divides the
> > > > pre-retirement death benefits into two
> > > categories:
> > > > Not Job-Related Death and Job-Related
> Death.
> > > >
> > > > Limited Death Benefit
> > > > To those who separate from CalPERS-covered
> > > > employment: upon your death, your
> beneficiary
> > > will
> > > > receive the limited death benefit (a refund
> > of
> > > > your contributions plus interest). No other
> > > > benefit will be payable, except as provided
> > by
> > > law
> > > > under special circumstances. The limited
> > death
> > > > benefit will be paid in the following
> order:
> > > (1)
> > > > your named beneficiary, or (2) spouse, or
> (3)
> > > > children, or (4) parents, or (5) brothers
> and
> > > > sisters, or (6) your estate if probated,
> (7)
> > > > trust, or (8) next of kin, as provided by
> > law.
> > > >
> > > > Naming A Beneficiary
> > > > To designate a beneficiary, or update an
> > > earlier
> > > > designation, you must fill out a CalPERS
> > > > Beneficiary Designation (form 0772). This
> > form
> > > is
> > > > available on the CalPERS website under
> > > > Publications. Certain death benefits allow
> > you
> > > to
> > > > name anyone you choose as a beneficiary. If
> > you
> > > > name a beneficiary and then (1) marry, (2)
> > > > initiate an annulment, or dissolution of
> > > marriage,
> > > > (3) have a child or adopt a child, (4)
> > > terminate
> > > > your employment and receive a refund of
> your
> > > > CalPERS contributions, your designation
> will,
> > > by
> > > > law, be revoked.
> > > >
> > > > Comparison Of Pre-Retirement Death Benefits
> > > > Local Miscellaneous (non-safety)
> > > > Local Safety
> > > >
> > > > Post-Retirement Death Benefits
> > > > When you retire, you may choose to receive
> > the
> > > > unmodified allowance, or you can take a
> > > reduction
> > > > to your allowance based on the option you
> > > select.
> > > >
> > > > The unmodified allowance is the highest
> > amount
> > > > payable to you that ends upon your death.
> > Each
> > > of
> > > > the options provides a benefit to your
> named
> > > > beneficiary after your death. Option 1
> > provides
> > > a
> > > > lump-sum payment of your remaining
> > > contributions.
> > > > Option 2, 2W, 3, 3W, or 4 provides a
> monthly
> > > > allowance. The reduction to your unmodified
> > > > allowance changes based on the option you
> > > choose.
> > > > "Option factors" are used to determine this
> > > > reduction. The amount of the reduction is
> > based
> > > on
> > > > tables that take into consideration your
> age
> > > and
> > > > the age of your beneficiary. More
> information
> > > on
> > > > the various options is available in the
> > CalPERS
> > > > Member Benefit publications.
> > > >
> > > > For further information, review the Death
> > > Benefits
> > > > section on the CalPERS website.
> > > >
> > > > How To Apply For CalPERS Retirement
> > > > It is suggested that you begin filling out
> > the
> > > > Retirement Election Application four to
> five
> > > > months before your anticipated retirement
> > date.
> > > > CalPERS does not want the application
> > submitted
> > > to
> > > > them more than 90 days prior to your
> > retirement
> > > > date. Refer to the City's "Retirement
> Guide"
> > > for
> > > > further information.
> > > >
> > > > After I Have Applied For Service
> Retirement,
> > May
> > > I
> > > > Change My Mind?
> > > > You may cancel/change your retirement any
> > time
> > > > before your first check is mailed, before
> > your
> > > > retirement date. If you do change your
> mind,
> > > > immediately contact CalPERS at (888)
> > 225-7377.
> > > If
> > > > you have completed the paperwork allocating
> > > your
> > > > unused sick leave, you also need to contact
> > > > Employee Benefits at 570-6523. Keep in mind
> > > that
> > > > your department has been notified of your
> > > > separation date, therefore, your department
> > > will
> > > > proceed with the City's separation document
> > > unless
> > > > you tell them otherwise. (If you wish to
> > return
> > > to
> > > > your position with the City contact your
> > > > supervisor to ensure there is still a
> > position
> > > > available for you.)
> > > >
> > > > Be advised that changes to your retirement
> > date
> > > > may result in a delay in you receiving your
> > > first
> > > > pension check from CalPERS.
> > > >
> > > > FAQs And Tips
> > > > Planning for your retirement may seem like
> a
> > > > daunting task. Educating yourself and
> > beginning
> > > > the process early (one year in advance of
> > your
> > > > projected retirement date) are key to a
> > smooth
> > > and
> > > > successful retirement application process.
> > The
> > > > City's "Retirement Guide" will steer you
> thru
> > > the
> > > > retirement application process.
> > > >
> > > > Health Insurance Costs For Retirees
> > > > At retirement, employees who are enrolled
> in
> > > > benefits may convert their unused hours of
> > sick
> > > > leave to pay for health, dental, vision and
> > > long
> > > > term care insurance premiums into
> retirement.
> > > >
> > > > View current retiree insurance premium
> > > > information.
> > > >
> > > > Please Note: Change of insurance providers
> > may
> > > > only be done during retiree open enrollment
> > > > annually. Any changes made will be
> effective
> > > > January 1st of the following year. If
> moving
> > > out
> > > > of state, you should contact Employee
> Benefits
> >
> > > at
> > > > (562) 570-6303 to check on the portability
> of
> > > your
> > > > insurance. If changes are necessary they
> will
> > > be
> > > > handled at the time of retirement or at a
> > later
> > > > date (when you move). Also, once you cancel
> > > your
> > > > insurance you may never re-enroll.
> > > >
> > > > CalPERS Special Power Of Attorney
> > > > A CalPERS Special Power of Attorney allows
> > you
> > > to
> > > > designate a representative or agent, known
> as
> > > your
> > > > attorney-in-fact, to conduct your
> retirement
> > > > affairs. Having a Special Power of Attorney
> > on
> > > > file with CalPERS ensures that your
> > designated
> > > > attorney-in-fact will be able to perform
> > > important
> > > > duties concerning your CalPERS business,
> such
> > > as
> > > > address changes; federal or state tax
> > > withholding
> > > > elections; lost or stolen retirement
> checks;
> > > > endorsing checks; beneficiary designations;
> > or
> > > > retirement benefit elections, should you
> > become
> > > > unable to act on your own behalf.
> > > >
> > > > Further information and the required form
> are
> > > > available on the CalPERS website; review
> the
> > > > publication CalPERS Special Power of
> > Attorney.
> > > > Read it over very carefully before
> > completing.
> > > To
> > > > be valid the form must be fully completed
> and
> > > must
> > > > be acknowledged before a notary public or
> > > signed
> > > > by two witnesses. The person agreeing to
> act
> > as
> > > > attorney-in-fact must also sign the form.
> Any
> > > > previous designations will be revoked by
> > > > completing a new form.
> > > >
> > > > In the event you have any questions
> > concerning
> > > the
> > > > effects of the appointment of an
> > > attorney-in-fact
> > > > you are strongly urged to seek legal
> advice.
> > > >
> > > > Retirement Forms
> > > > View CalPERS Forms
> > > > Retirement Living Calculator
> > > > This personal budget planning tool is
> > intended
> > > to
> > > > give the user a basic overview of the
> > potential
> > > > sources of income and expenses they may
> have
> > > > during retirement. This tool is not
> intended
> > to
> > > be
> > > > and/or replace professional advise and
> > planning
> > > > from a certified financial planner. Consult
> > > your
> > > > personal certified financial planner for
> more
> > > > accurate details.
> > > >
> > > > Download the calculator. Please note you
> must
> > > have
> > > > Microsoft Excel version 2013 or later.

^^^ Knows what a worthless douche he is.

RE, Tards Wrote:
-------------------------------------------------------
> JP plowed ME today Wrote:
> ----------------------------------76111q----------------
> -----
> > King Flaccid
> >
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-2TARDS-TARDS-T
> A
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> >
> RDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARD
>
> >
> S-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-
>
> >
> TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TARDS-TA
>
> > RDS-TARDS