Osc.state.ny.us/retire New York Retirement System – Benefits

Filed under Uncategorized by on 2013/05/21 at 12:18 pm {no comments}

Osc.state.ny.us/retire New York Retirement System – Benefits

Use the benefit calculator on the www.osc.state.ny.us/retire site to help you better plan for your retirement. The projection calculator will help you determine benefits for a number of tiers.  Often times abbreviated ERS, that stands for Employees’ Retirement System.  There are different tiers that you need to be cognizant of as well in order to properly use this system.  For example, it does not appear that those who are in the Police and Fire Retirement System, also know as PFRS, and who joined after the first of July in 2009, can use this aforementioned calculator to project pension benefits.  There are other exclusions as well.  As a result, please read the section dedicated to benefit projection calculator carefully.  If this tool will work for you, I would encourage you to spend some time assessing what your estimated future benefit could be.  Keep in mind, this is only an estimate.  Nevertheless, estimates are important in planning for your future retirement.  If you have a better idea of your future needs, you can see how your retirement planning is progressing vis-a-vis what you might receive.  You then might decide to save more on your own to ensure you have all your needs and expenses met when you retire. 

Advance preparation is truly key to planning a successful future retirement. You can also use the Osc.state.ny.us/retire site to enroll or to login to the New York State retirement system as well. If you are eligible, I would strongly encourage you to enroll.  Nowadays, it seems that the opportunity to be part of a pension system are dwindling, as fewer companies are offering them to their workers.  This is definitely a great benefit if you are offered one.   If enrolling online, you will have to provide pertinent information for this process.  For example, your date of birth will be needed and your social security number too.  Also, you will be asked to give your email address.  It then appears, that if verified, you will create a user ID for yourself and your password will be mailed to you.  As a result, it is important that you have your correct address on file.  You don’t want your materials going to your old address.  If you are eligible, I would not delay signing up for your New York retirement pension benefits.  

You can find all kinds of New York State Retirement System forms on the Osc.state.ny.us/retire resource. These forms include everything from changing your beneficiary to service credit to loans. In addition to having member forms available, you will also be able to access there forms for the retiree and for the employer.  You might also want to pay special attention to the section that addresses filing deadlines that might be of importance to you. My friend was upset because she missed a deadline to apply at the company she worked at and she lost the opportunity to contribute to her retirement plan that year.  This was especially distressing to her because where she worked, the number of years vested dictated the amount she would potentially get in the future.  As she saw it, not signing up on time cost her a considerable amount of money over the duration of her retirement.  If you are new to the system and you are eligible, take advantage of the wonderful benefits and enroll as soon as feasible.

Another thing you might want to consider doing is to sign up for email news materials on the Osc.state.ny.us/retire  page.  To me, I want to know everything I can about my retirement system.  Furthermore, I also like to be knowledgable so that I can also inform other people as well.  In addition, another great resource is the section dedicated to retirement publications. One should spend some time reading over applicable materials.  It seems that you can even get them in PDF format too.   Your retirement plan appears to be dependent upon your tier.  Make sure you know which one applies to you.  You might also wish to review the financial reports they have provided as well.  Like so many Americans, I am looking forward to my retirement.  I am participating in my work retirement system and I am saving additional monies on my own.  You can never have enough savings when you stop working in my opinion.  Having seen other people struggle in their retirement years, I don’t want that to be me.  If you have friends who have not thought about this, you might want to mention the importance of saving.  If interested, you can also view on the New York State retirement page on how the public pension system functions.  You might also check in to see how your parents are doing in terms of their retirement planning.  

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Www.CastrolMoto.com – Castrol Motorcycle Oil Product Recall

Filed under Uncategorized by on 2013/05/20 at 9:44 pm {no comments}

Www.CastrolMoto.com – Castrol Motorcycle Oil Product Recall

The recall involves the one liter bottle. The reason for this is because to water contamination in the oil. This can cause your engine to fail. You will be able to to get a full list of the products and the batch numbers at the  www.CastrolMoto.com site. My suggestion is for you to go through the list and find out if you are using or have the product in the list. The products covered in the Castrol Motorcycle Oil Product Recall are the Power 1 Racing 2T oils, the Power 1 Scooter 2T oil and the Act>Evo 2T product.

So as I mentioned earlier, to access this information you just need to go to the www.CastrolMoto.com site. You will immediately get a notice about this recall. You can find out all about it before actually accessing the site. If you are not sure of the products, there are pictures and you can compare them to the product that you do have. If you have used the product in your vehicle, then do not use your vehicle or equipment. Remember that you will also have to check the batch numbers. If the batch numbers do not match those that are provided on the website then you do not need to worry. Only the batch numbers that are associated with each product are affected.

If you are not sure where the batch numbers are, they can be found at the bottom on the back of the product. It will say Batch Number and then there will be a series of numbers. The Castrol Motorcycle Oil Product Recall products are actually oils that are used in two stroke engines. If you have the product in your possession but have not used it yet, then you can get a full refund. Just return them to where you bought the product from. If you would rather get a replacement of a product that has a different batch number, you can also do so. My suggestion is that you print out the batch numbers that are affected and take them to the store with you. So if you do decide to get a replacement, you can compare the batch number to the numbers you have to make sure that they do not match.

There is also an apology from the company on the website. Castrol usually has very high standards when it comes to quality. You can only continue on the official website after you have confirmed that you understood the message of the Castrol Motorcycle Oil Product Recall. If you get to the site somehow without reading the message, the recall notice is there for you to click on. You will then be able to review the information.

This recall is really important because it involves your safety on the motorcycle. So make sure that you take heed and take your vehicle in for examination and repair if you have used the product. You would not want to go out and discover that the engine has failed on you. You especially do not want to do this in heavy traffic. Sometimes it is better to be safe than sorry. You may need the transportation but it is not worth the risk of not only engine failure but even an accident.

This reminds me of the Toyota acceleration case. It is not as severe in my opinion but still scary nonetheless. This is because both involve some kind of malfunction. The only difference is that one will make the vehicle go faster and the other will just stop it. In my opinion stopping is better than accelerating. Accelerating is scary because if you cannot hit the brakes to slow down the car then the only way that you will be able to slow down is to hit something. You can get seriously hurt.

However, come to think of it, if you are going fast and the engine suddenly fails, that too can cause an accident is there is a vehicle behind you. You may get hit and that is not good. I am glad that Castrol is aware of the danger to the motorist and has put this message up on the website where anyone can see it.

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CityCareerFair.com – Find A Job – Search The Jobs Board Free

Filed under Uncategorized by on 2013/05/20 at 11:55 am {no comments}

CityCareerFair.com – Find A Job – Search The Jobs Board Free

If you are looking for a job, then the City Career Fair might be just the answer. On citycareerfair.com you can search the jobs board free of charge. The city career fair gives companies the opportunity to find diverse candidates for their positions.  There are so many wonderful corporations that participate that it makes me feel good knowing that these companies understand the importance of diversity in the workforce.  I believe that it is our diverse nature that makes us, as a group, stronger.  If you have a disability or are a veteran, you should also check out the resources available on the City Career Fair site.  It can be hard work finding a career or even just a job in this economy.  As a result, utilize all of the resources you have available to pursue employment.  There are also beneficial resources for employers on the page as well.  Thus, if you are in human resources and you are looking to recruit and hire new talent, this looks like a great opportunity to get involved. I especially like career fairs because it gives you an opportunity to potentially make a personal connection with someone at the company.

You should look to see if this particular career fair will be coming to your town in the near future.  They have a schedule of dates and locations that are easily viewable on CityCareerFair.com site.  I was excited to learn that they are going to be coming to my town.  There are so many hard working people out of jobs that this might help them make that connection with employers who can hire them.  My one friend is a veteran and after serving our country proudly, he has had a difficult time finding a job. I know he has sent out lots of resumes and he even continued his education after his service.  However, even with his military experience, his education, and his tenacity, getting a job has been tough.  In fact, he  told me that he has applied in the last year for over 100 jobs.  He did get a job around the holidays which helped him out a bit.  However, that was only temporary work.  He hopes that he can one day have a full time job with some benefits.  If you know someone in a similar circumstance, you might tell them about this resource.  The City Career Fair does look like it is doing many wonderful things for those who need employment. 

I would encourage you to spend a few minutes looking over the job postings section you can access for free on the City Career Fair page.  Also, their mission statement informs me that they really care.  I will be telling all my out of work friends about the upcoming career fair in our community.  Furthermore, I also plan on telling those individuals who are not happy with their current positions to consider attending.  From my experience, networking is key to getting a job or a better one.  You can also learn more about potential companies and maybe even pick up some business cards of people that you can follow up with in the future.  One thing I would also ask some of these recruiters about is internships.  These are wonderful ways to gain experience and potentially explore different career possibilities that you had not thought about.  So often times people ask you what you are going to do with your life when you are younger.  But unless you have some type of experience within the world of work, it is really hard to know what is out there and what you like doing. 

If you are interested in registering to be an exhibitor, they have an easy to use  form to help facilitate this process on the www.CityCareerFair.com page. It appears that the City Career Fair will be in many cities later this year including, but not limited to Atlanta, Chicago, Sacramento, San Jose – Santa Clara, Phoenix, Dallas, Los Angeles, Denver, Seattle, Minneapolis, Portland, and others. If there is a need to contact them, they even provide a form to do so.  The galleries were enjoyable to look at as well.  It looked like a lot of great things were happening in the pictures I saw.  With unemployment as high as it is, I am grateful that there are career fairs like that out there to help people.  Losing your job or just being unemployed can be a difficult life experience.  Having been there myself, I can speak to how humbling it can be.  You really have to work hard to find that next job and you definitely need to explore all the resources you have to get a career you want. Examine the materials on the City Career Fair page to see if this might be of interest or benefit to you as you search for jobs. I also look forward to hearing the City Career Fair reviews from my friends who are out of work and who attend. 

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How To Live Like a Millionaire

Filed under Uncategorized by on 2013/05/19 at 8:21 pm {no comments}

How To Live Like a Millionaire

People play the lottery in the hopes of becoming a millionaire. More people play when the jackpot gets larger not realizing that the larger the jackpot, the more people will buy the tickets and the smaller the chance of winning for you. But somebody has to win and my philosophy is why could it not be you? So people buy the lottery in the hopes that that one person would be them. After all, as the saying goes, you cannot win if you do not buy a ticket.

So after buying tons of tickets and still not winning the lottery – most of us will not, then what are your chances of living like a millionaire? One of the ways that you can do this is to think about where you go on vacation. Changing the location can make you feel like you are living the millionaire lifestyle. For example, if you were to go to one of the Asian countries on  a vacation, your American dollar might be able to buy you a hotel room at the Ritz Carlton. You may even get a personal valet. Now that is what I would call a millionaire lifestyle. The plane ticket might be a little more expensive but it is well worth it. So instead of going to Hawaii for example, go to Thailand, China, Vietnam, Malaysia or Singapore.

Another way to enjoy the millionaire lifestyle without having a million dollars is to find out what you can do for the establishment that you want to go to. For example if you can provide a free service, you may be able to get free room or free meals. Of course if you ask for a room immediately, you will not be entertained. So stress the free service first and eventually lead up to it. You may be surprised at what you can get.

Another way is to hang around millionaires. Go to their regular hangouts. You do not have to eat dinner there but you can hang out at the bar and pretend that you are waiting for someone. Ask for a glass of water and listen to the conversations going on. Start conversations with the person sitting next to you. You may be surprised at what people will do for you. A friend of mine did this and she was surprised that her tab was picked up by the person sitting next to her just she liked their conversation and enjoyed the company. So who knows what you may be able to get.

Also instead of paying for hotels, find out about vacation home swaps. If you have a decent place, you can offer your place as a vacation swap. This way you may get to live in a city that you have always wanted to live in for nothing at all. If you live in the country, some people may like the idea of a rustic vacation. Make it sound enticing and let people know what they can do in your area. If there are hiking trails, then that might be something that you may want to emphasis. Also talk about places of interest that they may want to visit. Some people who live in the city want to get away for a little while. So this may just work out for you.

If you have a little cash put away you may want to invest in rental properties. I would suggest you get these rental properties where the properties are affordable. This can be in another country. That way you can also have a vacation and have a place to stay if your property is vacant.. However this can also be challenging as you will have to hire a reliable company to take care of your property. I would suggest that you scout out the area first and make sure you know what you are getting yourself into. As you will be far away you will have to trust the company that you have hired. Or if you prefer, you can manage your own property by living there for a period of time. If you have a full time job, this may be difficult but find out if you can take some time off. Or save up all your vacation time and then take them all at once.

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