Now Conference on Community Activism

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May 182017
 

Oregon Coast Community College- Newport
NOW Conference

Registration Still Open for Saturday’s Conference on Community Activism

For everyone who said “OK what’s next — how can I make a difference?” following the Women’s March or the March for Science, this conference is for you. The Diversity Coalition of Lincoln County is presenting PLACE (Preparing Local Activists for Community Engagement) at Oregon Coast Community College on May 20th from 9am to 4:30pm. If your schedule only allows you to come for part of the day, that’s fine too! Just let us know which part of the day you can attend when you register online.

The PLACE Conference will include presentations and workshops led by local activists working for social, political, and environmental justice. Kicking off the day will be a panel discussion representing vulnerable communities in Lincoln County: Native Americans, Latinos, LGBTQ, Transgender, Houselessness, Immigration, and Senior Citizens. Each panelist will talk about the emerging issues for their particular community, and offer suggestions for ways you can be a supportive ally. The panel will be moderated by Franki Trujillo-Dalbey, a second generation Latina, retired college professor, and diversity trainer. Trujillo-Dalbey is currently on the board of the Central Oregon Coast NOW, and is board president of KYAQ 91.7FM; she also plays electric bass in the blues band, The Dalbey Gang.

See the full schedule at: www.placeconference.org/schedule/ .

Registration is $25, or $10 for students, with full stipends available, and includes:
Full day conference (one large panel discussion, plus your choice of several workshops and panels on different topics (see the schedule for details)

An optional two hour intersectionality workshop led by Franki Trujillo-Dalbey

Lunch

Live music by Barbara Lee Turrill during the lunch break
Coffee and snacks throughout the day
Information tables by a large variety of Lincoln County organizations that are working toward social justice so you can learn more about what’s going on in your community and how to help.
PLACE is sponsored by the Central Oregon Coast NOW Foundation, Oregon Central Coast PFLAG, Our Sisters Place, Centro de Ayuda, Yachats Presbyterian Church, KYAQ, Peace Village, Mo’s Chowder, Oregon’s Choice and Thompson Sanitary.

 Posted by at 2:04 PM

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May 182017
 

Nancy Mead
National Organization for Women

 Posted by at 1:22 PM

Weather or Not: Sunhats, Sunscreen & Sunglasses

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May 182017
 

Thursday, May 18th – Lincoln County

Summary: Mostly cloudy early, sunshine later yesterday, mixed skies overnight.

Past 24 Hours High/Low/Gust/Rain…
Lincoln City: 62F/46F/13mph/0.00”
Depoe Bay: 62F/42F/14mph/0.00”
Newport: 55F/41F/11mph/0.00”
Waldport: 59F/44F/11mph/0.01”
Yachats: 59F/47F/13mph/0.01”

Newport Airport Conditions…
Ceiling: scattered @ 12,000’
Visibility: 10 miles/Wind: E 8 mph/Altimeter: 30.20”

Forecast: You’ll need to get your sunhats, sunscreen and sunglasses out of their hiding places and have them ready for immediate use over the next week or better. Mostly sunny today, light winds and a high near 60F. Tonight, partly cloudy, low about 50F. More sunshine tomorrow, a moderate northwest sea breeze and high of 60F. Outlook is for mixed skies Saturday, then clear Sunday through Wednesday with the mercury climbing into the upper-60s to mid-70s.

wxon-twitterBe sure to follow Weather or Not’s Twitter feed to keep current on the latest conditions. You’ll get updated travel info and notification of any new advisories, watches or warnings. Follow @chrisburnswx.

Travel: In the Coast Range this morning, highways are dry, temps 35-45F. Willamette Valley roads are dry, thermometer readings 45-50F. The Columbia River Gorge has dry pavement, temperature 50F. For the Cascades, highways have spots of ice this morning, 30-35F, the free air freezing level rising to 8,000 feet. * An interactive map of the latest Northwest/Central Oregon travel weather is available here. Also, motorists should always visit ODOT’s TripCheck before hitting the road.

Marine: Winds are E 5-10 knots this morning with seas 5 feet at 8 seconds. Winds turn northerly by tomorrow as higher pressure builds in. Thermal low pressure develops along the Northern California coast Friday that will help to create possible Small Craft Advisory northerlies in Central Coast waters late in the day and in the evening. The northerlies will likely increase and spread north along the coast this weekend, especially Sunday. Seas will hover around 5-6 feet through the weekend and likely into early next week with a small westerly swell. A fresh shorter period northerly swell will develop as northerly winds pick up during the weekend. * Full text of the latest marine forecast is available here. And, make sure you check the latest Bar Reports before venturing offshore.

On the Beach… Clouds and sunshine, light breeze, surf 4-5’ feet (low).
* For a safe and enjoyable time on the Central Coast, the Oregon Parks & Recreation Department offers these Beach Safety Tips.
* Tides
05/18 Thu 12:24 PM 0.60 L
05/18 Thu 7:25 PM 6.42 H
05/19 Fri 1:04 AM 3.36 L
05/19 Fri 6:43 AM 6.07 H

In Short: Mixed skies, light wind, then dry, mostly clear and warmer.

 Posted by at 7:59 AM

Keith Nelson: Osprey shows how it’s done…..

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May 182017
 

Osprey on high waiting for a fish to make a wrong move. Keith Nelson photos


Suddenly, the Osprey takes a quick plunge toward some fish near the surface.

Splash! Osprey underwater and the fish scatter.

Osprey re-emerges clutching a fishy snack.


It’s off into a tree to partake of a quick pursuit of lunch!

 Posted by at 1:54 AM

Toledo: A Word of Caution to the Motoring Public

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May 182017
 

Crosswalk testing of motorists in Toledo
Business 20 and Burgess Road
Google Maps

As part of the ongoing effort to improve pedestrian safety in the City of Toledo, the Toledo Police Department will be conducting a pedestrian safety enforcement operation that will focus on motorists who fail to yield the right-of-way to pedestrians.

The Department is conducting this public awareness and enforcement program to educate and encourage members of the community to develop and maintain safe practices while driving, walking and cycling throughout the City of Toledo.

The pedestrian safety enforcement operation will take place on May 24th at the intersection of Business Highway 20 and Burgess Road.

Officers from the Toledo Police Department dressed in plain clothes will be crossing the street while uniformed Officers monitor the crosswalk for motorists and pedestrians who fail to yield the right-of-way or who take unsafe or illegal actions. Drivers who are stopped during this safety operations will be issued warnings or citations.

Crosswalk enforcement actions are an effective way to communication pedestrian right-of-way laws to both drivers and pedestrians. The Police Department conduct enforcement operations in response to community requests and to educate the general public on the rules at marked and unmarked crossings. This pedestrian safety operation is another tool our department can utilize to improve traffic safety in our community.

 Posted by at 1:18 AM

Is It Wise to Trade Your Pension for a Lump Sum?

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May 182017
 

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Duane Silberman
Waddell & Reed

Is It Wise to Trade Your Pension for a Lump Sum?
Provided By: Duane J. Silbernagel

Most private employers have already replaced traditional pensions, which promise lifetime income payments in retirement, with defined contribution plans such as 401(k)s. But 15% of private-sector workers and 75% of state and local government workers still participate in traditional pensions.1 Altogether, 35% of workers say they (and/or their spouse) have pension benefits with a current or former employer.2

Many pension plan participants have the option to take their money in a lump sum when they retire. And since 2012, an increasing number of large corporate pensions have been implementing “lump-sum windows” during which vested former employees have a limited amount of time (typically 30 to 90 days) to accept or decline buyout offers.3 (Lump-sum offers to retirees already receiving pension benefits are no longer allowed.)

By shrinking the size of a pension plan, the company can reduce the associated risks and costs, and limit the impact of future retirement obligations on current financial performance. However, what’s good for a corporation’s bottom line may or may not be in the best interests of plan participants and their families.

For many workers, there may be mathematical and psychological advantages to keeping the pension. On the other hand, a lump sum could provide financial flexibility that may benefit some families.

Weigh risks before letting go

A lump-sum payout transfers the risks associated with investment performance and longevity from the pension plan sponsor to the participant. The lump-sum amount is the discounted present value of an employee’s future pension, set by an IRS formula based on current bond interest rates and average life expectancies.

Individuals who opt for a lump-sum payout must then make critical investment and withdrawal decisions, and determine for themselves how much risk to take in the financial markets. The resulting income is often not enough to replace the pension income given up, unless the investor can tolerate exposure to stock market risk and is able to achieve solid returns over time.

Gender is not considered when calculating lump sums, so a pension’s lifetime income may be even more valuable for women, who tend to live longer than men and would have a greater chance of outliving their savings.

In addition, companies might not include the value of subsidies for early retirement or spousal benefits in lump-sum calculations.4 The latter could be a major disadvantage for married participants, because a healthy 65-year-old couple has about a 73% chance that one spouse will live until at least 90.5

When a lump sum might make sense

A lump-sum payment could benefit a person in poor health or provide financial relief for a household with little cash in the bank for emergencies. But keep in mind that pension payments (monthly or lump sum) are taxed in the year they are received, and cashing out a pension before age 59½ may trigger a 10% federal tax penalty.6 Rolling the lump sum into a traditional IRA postpones taxes until withdrawals are taken later in retirement.

Someone who expects to live comfortably on other sources of retirement income might also welcome a buyout offer. Pension payments end when the plan participant (or a surviving spouse) dies, but funds preserved in an IRA could be passed down to heirs.
IRA distributions are also taxed as ordinary income, and withdrawals taken prior to age 59½ may be subject to the 10% federal tax penalty, with certain exceptions. Annual minimum distributions are required starting in the year the account owner reaches age 70½.

It may also be important to consider the health of the company’s pension plan, especially for plans that don’t purchase annuity contracts. The “funded status” is a measure of plan assets and liabilities that must be reported annually; a plan funded at 80% or less may be struggling. Most corporate pensions are backstopped by the Pension Benefit Guaranty Corporation (PBGC), but retirees could lose a portion of the “promised” benefits if their plan fails.

The prospect of a large check might be tempting, but cashing in a pension could have costly repercussions for your retirement. It’s important to have a long-term perspective and an understanding of the tradeoffs when a lump-sum option is on the table.

1 U.S. Bureau of Labor Statistics, 2016
2 Employee Benefit Research Institute, 2016
3, 4 The Wall Street Journal, June 5, 2015
5 Society of Actuaries, 2017
6 The penalty doesn’t apply to employees who retire during or after the year they turn 55 (50 for qualified public safety employees).

Note: About 41 million people are participants (active, retired, or separated vested) of PBGC-insured corporate pension plans.

Source: Congressional Budget Office, 2016

I hope you found this beneficial and informational. For more information about me and my services, visit my website:
www.duane.wrfa.com
Thank you for your interest. Continue reading »

 Posted by at 1:03 AM