This small city has a serious pension funding problem, like a lot of cities in Pennsylvania. Aside from the usual problems like not making enough annual contributions and subpar stock market performance, Scranton illustrates how poorly designed pensions can be. In , the average age of retired Scranton police officers was While there should be obvious agreement that retiring at 44 is a problem, it seems like an under-appreciated problem to me that the standard retirement age for many public sector jobs is In many places, however, lucrative and poorly designed pensions that public sector unions have bargained for are crowding out spending in a significant way. Workers sign contracts that specify compensation. Most of it is in direct pay, but benefits like pensions are often part of the contract…. Taking back pensions for which people worked is like taking back a portion of their pay after the fact. Politicians, who mostly work on timeframes no further out than the next election, are simply more willing to negotiate generous pensions than they are to negotiate higher salaries that might require tax hikes on their watch. The War on Pensions Continues There has been an ongoing battle in major media outlets against public sector pensions.
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The Lumberman’s Actuary is a Used Paperback available to purchase and shipped from Firefly Bookstore in Kutztown, PA. The author is John W. Barry. This was released by Barry Actuary Company in January This is the 11th edition.
Could not subscribe, try again laterInvalid Email If you’ve ever had a good night’s kip disturbed by cheese dreams , or that last, inadvisable coffee, you’ll be aware of these items’ ability to wreak havoc on getting some shut-eye. The difference between having a good night’s sleep and falling short of that can be huge. The knock-on effects of sleep deprivation can lead to weight-gain , high blood pressure – and even heart disease.
To this end, sleep has become big business. There are pills, apps, teas, sprays and books which all promise to help send us off into a deep and replenishing slumber. But if you’ve tried every lotion, potion, tablet and piece of tech out there and found nothing really works, then there are a few dietary tweaks which might help. It’s not always possible to control what you eat – especially when socialising in the evening. But if possible, both nutritionists and sleep experts have put their heads together and revealed in Health what to avoid eating before bed.
Bacon cheeseburger It’s probably no surprise how wolfing one of these down – however delicious – negatively impacts sleep. After all, it’s never been exactly championed as a health food.
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After all the violence today, the infighting in our own government, the fact that our very own First Lady was plotting against her country She was portrayed by Tracy Ifeachor. Contents [ show ] Character Biography Lydia is described as “Jessica Jones by night, Jessica Chastain in ‘Zero Dark Thirty’ by day” and a “highly accomplished actuary with a few twists up her sleeve”. She was later charged for committing multiple felonies under the Espionage Act after leaking U.
Speed Dating by Nancy Warren Harlequin NASCAR Series Library Kendall Clarke was having a tough night when it should have been the best time of her actuary life.
What is an Actuary? An actuary is a business professional who analyzes the financial consequences of risk. Actuaries use mathematics, statistics, and financial theory to study uncertain future events, especially those of concern to insurance and pension programs. Actuaries may work for insurance companies, consulting firms, government, employee benefits departments of large corporations, hospitals, banks and investment firms, or, more generally, in businesses that need to manage financial risk.
A career as an Actuary is better described as a “business” career with a mathematical basis than as a “technical” mathematical career. Why would I want to be an Actuary? Actuaries describe their work as challenging and interesting and generally enjoy a good working environment.
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Responsibilities[ edit ] Actuaries use skills primarily in mathematics, particularly calculus -based probability and mathematical statistics , but also economics , computer science , finance, and business. For this reason, actuaries are essential to the insurance and reinsurance industries, either as staff employees or as consultants; to other businesses, including sponsors of pension plans; and to government agencies such as the Government Actuary’s Department in the United Kingdom or the Social Security Administration in the United States of America.
Actuaries assemble and analyze data to estimate the probability and likely cost of the occurrence of an event such as death, sickness, injury, disability, or loss of property. Actuaries also address financial questions, including those involving the level of pension contributions required to produce a certain retirement income and the way in which a company should invest resources to maximize its return on investments in light of potential risk.
Using their broad knowledge, actuaries help design and price insurance policies, pension plans, and other financial strategies in a manner that will help ensure that the plans are maintained on a sound financial basis Bureau of Labor Statistics , Government Actuary’s Department Disciplines[ edit ] Most traditional actuarial disciplines fall into two main categories: Life actuaries, which include health and pension actuaries, primarily deal with mortality risk, morbidity risk, and investment risk.
Products prominent in their work include life insurance , annuities , pensions, short and long term disability insurance , health insurance, health savings accounts , and long-term care insurance Bureau of Labor Statistics In addition to these risks, social insurance programs are influenced by public opinion, politics, budget constraints, changing demographics , and other factors such as medical technology , inflation , and cost of living considerations GAO , GAO Non-life actuaries, also known as property and casualty or general insurance actuaries, deal with both physical and legal risks that affect people or their property.
Products prominent in their work include auto insurance , homeowners insurance , commercial property insurance, workers’ compensation , malpractice insurance, product liability insurance , marine insurance , terrorism insurance , and other types of liability insurance AIA Traditional employment[ edit ] On both the life and casualty sides, the classical function of actuaries is to calculate premiums and reserves for insurance policies covering various risks Institute and Faculty of Actuaries On the casualty side, this analysis often involves quantifying the probability of a loss event, called the frequency, and the size of that loss event, called the severity.
The amount of time that occurs before the loss event is important, as the insurer will not have to pay anything until after the event has occurred.
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ACTUARY TESTIFIES TO CONGRESS. The crisis is directly tied to political decisions dating back decades to curry favor with government unions by increasing retirement payouts and benefits. In return, those same labor organizations donate generously to elected officials — largely Democrats — who support sweetheart pension deals.
When it comes to men, however, ISTJ is the most common personality type. So whether you are an ISTJ or a woman who wants to understand men better, read on! Before we begin, you should know that ISTJ has several other names. These names are meant to be more descriptive than just a four-letter combo, so if you happen to stumble upon one of these names, chances are you are reading about ISTJ: What ISTJ stands for? Being introverted means that you prefer to focus internally and get energized by spending time alone.
Being sensing means that you prefer dealing with concrete facts rather than abstract ideas and concepts. Being thinking means that you are a logical person; you tend to make your decisions based on reason rather than emotion. Being judging means you favor structure and organization more than spontaneity. They do what needs to be done, including behaving out of character if the situation calls for it.
They base their self-image on being seen as dependable, beneficent, and respectable. Dependable, beneficent and respectable — if you want to really understand the ISTJ, you have to keep these three words in mind. Nearly everything that the ISTJ does and says is the result of them wanting to appear to have these three qualities.
ISTJ Personality Type [Inspector, Investigator, Trustee, Realist]
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12 days ago · If I wasn’t mistaken, someone had suggested that an actuary might be dating a dinosaur protection activist played by a Hollywood actress. That’s got to be a good thing, hasn’t it? Although I was surprised the film specified that the actuary was an insurance actuary.
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Monday, July 29, Dating Actuarially I’m having a bourbon and decided I’d throw a curve ball and write a post about dating. As a single mid something recently broken up from a long term relationship, I’m becoming increasingly aware of my own shelf life as a bachelor and how this is at odds with the lifestyle exams I’ve chosen for the next 5 or so years. At the end of April I broke up with my girlfriend of about a year.
At the time, I was in school and we lived 3 hours apart. The fact that we saw each other about every 3 weeks or so along with the fact that I was an impoverished, returned-college student while she was 5 years into a very successful career in finance made the relationship difficult moreso for me than for her, of course. As I approached graduation with only one job offer in hand from my current employer and that location being equally as far away from her, it became clear things were not going to work out between us.
Bros, need advice on how to step up your dating game? Check my article out that was featured on Thought Catalog.
Reserve for Guaranteed Interest Contracts The description may be more general than one typically found in an actuarial report since a memorandum describing the calculations must also be attached. A reference to the memorandum should be included in the opinion. An actuary might use a form such as: These tests included consideration of the provisions of the policies and contracts in force on the valuation date, including any reinsurance agreements pertaining to such policies and contracts, and of the characteristics of the supporting assets affecting future cash flows.
The tests were conducted under various assumptions as to future interest rates, and particular attention was given to those provisions and characteristics that might cause future cash flows to vary with changes in the level of prevailing interest rates. A description of the procedures, assumptions and data used in these tests, and a numerical summary of the major findings, are set forth in a memorandum attached to this opinion.
Details of the calculations and related documents are available for examination by the New York Insurance Department. The accompanying memorandum required by Section describing the calculations made in support of the actuarial opinion and the assumptions used in the calculations should include at least the following: Future investment cash flows are both from assets owned by the company on the valuation date and from assets acquired after the valuation date, from net positive insurance and investment cash flows, adjusted for any borrowing or sale of assets after the valuation date to cover any net negative insurance and investment cash flows.
The method used by the company to allocate investment income to its lines of business on the annual statement and for purposes of this testing should be indicated.