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Incept Date: 11.19.09. Retirement Location: Cafe Hey, Tampa. Thanks to: Igor, Chris, Dane, Nyssa.

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Even though times are tough, state educators have to realize they must pay more for health insurance and retirement

Imagine your rich uncle taking you out to dinner, month after month, year after year, for more than two decades. During that time, all he asks of you every monthly dinner is that you throw in for the tip, even though the cost of food has skyrocketed over those 20-plus years. In fact, he is paying more than 1,150 percent more for dinner than when you started chipping in all those years ago.

Now, your rich uncle says he can no longer afford to pay any more for the cost of dinner than what he does now, and just in the next year, that cost will climb 32 percent. He’ll keep paying what he did this year, but starting next year, you either have to fork over some more money, or you’re going to have to find a way to cut the cost of dinner, like doing without some of the usual offerings.

bnhlthed1123.jpgThat is the prospect facing state teachers and other school employees when it comes to their benefits. Recently, the state Board of Education voted unanimously to support Superintendent Joe Morton’s recommendation that the state education budget include no increase for health insurance and retirement benefits. That means the state health insurance program would have to raise the amount education employees pay or cut benefits. Educators have paid a month for single health insurance coverage since 1986.

The school board also adopted Morton’s proposal to have educators start paying 6 percent of their salary toward retirement instead of 5 percent.

While the Alabama Education Association complains that requiring educators to pay more for retirement and health insurance amounts to a pay cut for teachers, something has to give. In 1986, when educators began paying a month for health insurance, the state’s cost per employee was a month. This fiscal year, it is 2 each month for each employee. In the 2011 fiscal year, the cost of health care for educators is expected to rise to 5 a month, which comes to another 3 million.

That is money the state just doesn’t have. Since fiscal year 2008, the Education Trust Fund, which pays for K-12 schools, colleges and universities (and for educator benefits) has lost more than billion in tax collections because of the sagging economy. The education budget suffered 11 percent, across-the-board cuts in fiscal year 2009, and already, Gov. Bob Riley ordered this year’s budget trimmed by 7.5 percent.

An education budget that two years ago was about .7 billion is down to about .3 billion after the most recent cuts. While stimulus money brings total education spending this year to roughly .8 billion, the federal dollars disappear after this year.

During the roughest economy in decades is a tough time to ask educators to contribute more toward their benefits or make do with less. But look what has happened in the private sector: layoffs, pay cuts, frozen pensions, rising health insurance premiums and/or cuts in benefits, and even doing away with health insurance in some instances.

Times are tough all over. A modest increase to a month for single coverage and co-pays, such as what a recent bill defeated by AEA had proposed, would raise .5 million if applied to educators and state employees, the Legislative Fiscal Office estimated. That’s not nearly enough to cover next year’s rising cost, but combined with some selected benefits cuts, maybe it would help tide over state government until better times.

Truth is, the rich uncle of state government never has been very rich. Just look at Alabama’s per-capita ranking on tax collections (50th). The rich uncle has just been overly generous when it comes to benefits for educators and state employees.

Tough times force tough decisions. Even AEA’s Paul Hubbert is beginning, finally, to recognize reality. “The AEA will ask the Legislature to increase the state contribution in insurance coverage, but may accept a freeze,” he said.

AEA members, and lawmakers, really don’t have much choice.

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Article from articlesbase.com

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Question by the answer chancer: Help with finding a word for when there is more than meets the eye?
I’m trying to find a nice, concise word for presenting a consistant theme in a particular poet’s work. The poet describes characters and situations which are largely unimpressive, but then elaborates to reveal the splendor and extraordinariness present internally. He deals with the external versus the internal.

One example of this is in one of his poems, where the poet introduces an enigmatic character who has been forced into retirement due to physical inability to work, but remains shrewd and perspicacious. The workings of his mind are so indiscernable to the poet, he notes “Nothing escapes him; he escapes us all.”

Can anyone come up with a word suitable for the theme, or indeed, any words an examiner might like that you think could be appropriate for my answer?

Best answer:

Answer by Solly Flush
..Incognito..

Give your answer to this question below!

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Anniversary Gift – Forty More

A poem written for a mother and father for their 40th wedding anniversary. The father retired 6 yrs ago after having his own business (painting and decorating). He has lots of friends, and tends to have plenty holidays abroad – usually 2-3 per year. The mother collects skirts! she must have at least 70 in her wardrobe, so her children tend to take the mick out of her!


They do lots for their children, they are a very close family. The couple always put their family first. They have a good life together, although the father was seriously ill 6 yrs ago he has made a full recovery now. He is very unselfish and will do anything for anyone.


FORTY MORE

Can not believe it has been so long,

can not believe it has been forty years.

You’ve had so many happy times,

interrupted by a couple of tears.


Dad, you scared us all,

when you were taken ill.

Gee, you would have left a gap,

would have been impossible to fill.


Obviously, we are glad you made it,

and are living life to the full.

No one could call your life boring,

no one could ever say it is dull.


You seem so happy now,

now that we’re fully grown.

Dad goes off with his golfing,

Mum gets left on her own.


And you spend time in your garden,

painting with your flowers,

decorating our part of the world,

creating something that is ours.


You have so many friends,

and love your holidays abroad.

You have been to so many places,

that most people could never afford.


And we are counting the skirts,

there must be seventy at least,

all neatly hanging,

all pressed and never a crease.


So thanks for having us,

now we know what love is for.

Thanks for our years together,

and here is to Forty More.


Copyright Allen Jesson 1998


and here’s one from a few years later, this time for a 17th wedding anniversary:


One Of Us


Kelley, as you know I’m not there,

I’m sorry, I’m on some distant sand,

but I just wanted to say “I love you”,

and I think these are words you’ll understand.


Because I have been ‘Blued’ for 18 years,

and in that time, I’ve missed many a special event,

but having said that, you’ve been there for me,

and I should know, my angel has been heaven sent.


Because you’ve often taken the load on your own,

your selfless actions have kept the family strong,

and never with any regard to your health or well being,

you’ve kept the home stable, all along.


You sacrifice every minute of every day,

and always, you are firmly last in the queue,

and Kelley, I just wanted to say “thanks”,

yes, I’m very proud of all that you do.


Some say it’s the military way,

some have said it’s just the military life,

but I know nothing could be further from the truth,

I’m so very proud of my wonderful wife.


Because you always put everyone ahead of you,

and all you ask is my love and respect in return,

but I’m not sure I’ve expressed that so well,

so all my past efforts, I think I’ll burn.


Because you are so much more than a wife,

and I’m going to tell you this before these lines end,

not only are you the love of my life,

yes indeed, Kelley, you are my very best friend.


I consider myself the luckiest man alive,

you and our daughter mean the very world to me,

and I just wanted to thank you for being you,

you’ve made my world a great place to be.


I want nothing more than to grow old with you,

I want you to see our love etched on my face,

because I’m going to spend the rest of my life with you,

and I promise, for most of it, we’ll be in the same place.


But our bond is stronger than anything we know,

even though our relationship was a bit rocky in the start

but Kelley, I want you to know that you’re here with me,

we’re always connected, no matter how many miles we’re apart.


But the longer we’re together the more we become alike,

so I think you should give up and stop all the fuss,

come on! Get crazy, cross over to the dark side,

yes Kelley, it’s time you became one of us!


But in the meantime, just know that I love you,

in truth, I love you with all my heart and soul,

for with you in my life, I am complete, yes,

you’re the one that makes me completely whole.


And tonight, please go outside and look skywards,

and there you will see a twinkling star,

and that will be me, sending you my love,

telling you exactly just how wonderful you are.


So I’ll finish by saying Happy 17th Anniversary,

I guess that’s really what these words are for,

so here’s to you Kelley, you’re truly beautiful,

and here’s to our everlasting love, for evermore.


Copyright Allen Jesson 2005

Allen Jesson it the owner of a site that specializes in providing the perfect Wedding Anniversary Gift Allen Jesson has specialized in writing the perfect anniversary gift in the shape of a bespoke anniversary poem for 1st anniversaries and way beyond, so far the record being a 60th. Any takers for a 61st?

Article from articlesbase.com

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Flip-Flopping From Reader to Writer Makes Your Retirement Far More Fulfilling

It’s been more than half a year since you retired. The novelty of free time is wearing off and you find yourself lonely for your old work buddies. You miss those lively conversations over lunch or a business dinner, and feel your mind getting a bit sluggish. For the first three months or so of your retirement you enjoyed reading the trade journals in your specialty. But now they just make you nostalgic for those happier days when you had a purpose in life and the stimulation of a working environment.

The Age of Specialization

If you look at the state of the periodical field today, you will see that widely circulated consumer magazines with a potpourri of content, the ones you saw on every newsstand have been losing ground for several years. Many were forced to close their doors before the Internet began stealing away readers. The boom has fallen even harder during the current economic crunch.

However, niche magazines and trade journals seem to be surviving the onslaught quite well, and that should tell you something about the new age of specialization. The Internet has become a major source for information seekers because it is specialized. You select the topic that interests you, click on the search engine, and there you will find page after page of articles as well as references to web pages on the subject.

Head to the library and thumb through a periodical directory like Writer’s Market. Better yet, if you are serious about writing, buy a copy for your desk. There are 60 categories of trade journals detailed in the book with anywhere from four to 26 publications listed under each category. Each listing contains all of the information you need to contact the magazine and submit an article. If you visit the library you will find several other extensive directories to research.

Actually you don’t have to be limited just to trades. Thumb through the lists of
consumer periodicals in these directories, and you will find a number of publications that deal with the subject of your expertise. There’s no reason why you can’t use your knowledge to publish consumer-oriented articles as well.

Targeting Trade Journals

. You probably have no desire to work full-time again, but it would be rewarding to maintain some sort of contact with the arena in which you played for so many of your adult working years. Instead of reading those trade journals, start writing for them!

It’s not all that difficult to do. With 30 years of hands-on experience in the field and lots of contacts still available to you, all you need is a quick refresher to bring you up to date on any new directions your field has taken since your departure. Who knows? Possibly after six months or a year turning out trade articles, you may just be ready to write a book on the subject. Not a bad way to enjoy your retirement and maintain a working relationship with your specialty.

Whether you were a neurosurgeon or a plumber, a pilot or a bridge designer matters little. There are publications servicing every field, and their editors have to keep a steady flow of new informative articles coming every month to fill their pages. These editors are hungry for content. Neither they nor their readers are looking for highly polished prose. They want facts and figures. New ideas, fresh approaches to solving problems, new vision. Now in your retirement, you have the time and the background to work through those needs and come up with innovative articles.

Most publications ask that your send a query first. This document, sent in letter form, should state the subject of your article, the specialized angle you are incorporating and your qualifications to write it. If at all possible, the query should be only a single spaced page in length. The editor will then contact you by phone, e-mail or possibly even postal mail and make the assignment with whatever changes he/she might want.

Magazines buy specific rights when they contract with you. Most common is First North American Rights. This means that once you enter a contract with the publication, you cannot publish that piece anywhere else in North America until it has been produced first by the contracting magazine. World English Rights increase the area to any English-speaking nation and World Rights limits you totally.

Branding Yourself as an Expert

Content is king in the trade journal world, so it is essential that you establish your credentials as rapidly as possible. The best way to do that is to write and publish frequently. It would also help to create either a web site or a blog or even both if you have the time and inclination. Web sites of course are more static than blogs and require a great deal less updating. Writing a blog is lots of fun, but it will keep you busy, for its success depends upon a steady flow of new information.

Since you are no longer in the everyday world of active work, you must be sure to keep yourself abreast of progress and changes by reading related blogs and journals. Research is essential. Regardless of the subject you write about, your success or failure will be determined by your willingness to complete the research required by a quality article or book.

The Bio Box

The key to developing recognition is the bio box at the end of the article. While the article itself is a straight-forward narration, the bio box is your “advertisement.” In it you can outline your qualifications, direct readers to your web site or blog and if you have graduated to books you can send readers to your sales page.

Bio boxes vary greatly. Some are designed simply to list the way the reader can contact you, referring the reader to your web site, blog and/or telephone number. Others attempt to sell either you or the products and services you offer (books, coaching, editing etc). Of course, in many cases the author combines both in the box.

Take advantage of this marvelous way to maintain contact with your former career and enjoy the fulfillment of seeing your name in print in some of the publications you once only read. This is one “flip-flop” that will serve you well.

If you need support jumpstarting your writing, help is available from author Charles Jacobs’ coaching program or by reading his latest book “The Writer Within You,” a seven-time “Best Books of the Year” award winner. It is discount- priced on the web site www.retirementand http://write.com. Also available

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Weekly Poems: A Poem About Death and More

YEARS TURN THE PAGES; THE BOOK REMAINS

Years turn the pages; the book remains.
No one can see the life it contains.
The story is over; it sits on a shelf
Outside of time, complete in itself.
Ah! Could we know! But never we will.
Now it is sealed, silent and still.

CHRISTMAS REALLY ISN’T ABOUT TOYS

Christmas really isn’t about toys,
However much we love them, young and old.
Reductions in the fat of Christmas day
In time restore its vigor and its health.
So let us not display our absent wealth,
Though children should have ample chance to play.
More sweet and joyous music must be sung,
And thoughts of peace and mercy make their way
Silent and uncluttered through the noise.

CHRIS AND I WENT OUT AWHILE BACK

Chris and I went out awhile back.
It didn’t work–I really don’t know why.
Some unacknowledged dream was out of whack,
Went spinning off, and so we let it die.
Sometimes we attribute things to fate
When it’s us, though we won’t notice it.
Chris and I are back again–it’s great!
We’ve both changed, and now we seem to fit.
I can’t explain the happiness I find:
Chris smiles at me and something makes me glow.
Mysteries on mysteries unwind;
The deeper in we see, the less we know.
For now I think I’ll just enjoy the ride;
Love Chris to bits, but still keep watch inside.

HAPPINESS DEPENDS ON LIGHTING LIGHTS

Happiness depends on lighting lights,
As what one does without reflects within.
People plead the poignance of their plights,
Pleased to play the hapless harlequin.
Yet one must purify the sacred temple,
Haul the lamps up, clean them, set them out,
Acting to await the miracle,
Neither seized by fear nor free of doubt.
Underneath all miracles is faith,
Knowing not, but hoping what might be,
Kindled by the will, though pain and death
Assault with darkness all that one can see
Here, where all is here miraculously.

HAPPINESS IS RARELY MELODY

Happiness is rarely melody
As other voices jockey for the lead.
Perhaps it is most comfortable with bass,
Pleased to underline the others’ grace,
Yielding to intensity and need,
Holding up a fragile harmony.
On holidays, however, it becomes
Less self-effacing, stepping forth to sing,
In moments filled with labor, love, and longing,
Deep descants on the beauty of belonging;
After which, again retiring,
Yet not before the harried heart takes wing,
Softly it blends into what strain comes.

SHOW ME ALL THE BOUNTY OF YOUR GIVING

Show me all the bounty of your giving:
Each cornucopia spills out in vain
As some of the sweet happiness of living
Sinks deep into a dry and dusty plain.
Of labor and of love there is no ending,
Nor can we ever pocket our reward.
Some tender that we’re tempted into spending
Goes for gifts that others can’t afford.
Remember that the Earth’s a single sea,
Equable in what one takes and gives.
Each act redeems its value naturally,
Taking grace from everything that lives.
In giving there is rich and varied treasure,
Nor more nor less than taking’s vivid pleasure,
Granting ample joy to those who care,
Subject to what pain they choose to share.

HAPPY NEW YEAR! TO THOSE WHO WILL HAVE NONE

Happy New Year! To those who will have none,
A wish that knows too well it cannot be.
Perhaps one ought not wish so futilely;
Perhaps one ought, that such not be alone.
Yearning is the price one pays for hope,
Nor can one hope unless one would endure.
Each futile wish makes paradise more sure,
Widening the world’s supernal scope.
Yet there are those who find such wishes cheap,
Easy substitutes for sacrifice.
A wish for good is more than merely nice,
Restoring winds that stir the unguent deep.

I am a poet and webmaster of the popular poetry site, Poems for Free, at http://www.poemsforfree.com.

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A poem written for a mother and father for their 40th wedding anniversary. The father retired 6 yrs ago after having his own business (painting and decorating). He has lots of friends, and tends to have plenty holidays abroad – usually 2-3 per year. The mother collects skirts! she must have at least 70 in her wardrobe, so her children tend to take the mick out of her!


They do lots for their children, they are a very close family. The couple always put their family first. They have a good life together, although the father was seriously ill 6 yrs ago he has made a full recovery now. He is very unselfish and will do anything for anyone.


FORTY MORE

Can not believe it has been so long,

can not believe it has been forty years.

You’ve had so many happy times,

interrupted by a couple of tears.


Dad, you scared us all,

when you were taken ill.

Gee, you would have left a gap,

would have been impossible to fill.


Obviously, we are glad you made it,

and are living life to the full.

No one could call your life boring,

no one could ever say it is dull.


You seem so happy now,

now that we’re fully grown.

Dad goes off with his golfing,

Mum gets left on her own.


And you spend time in your garden,

painting with your flowers,

decorating our part of the world,

creating something that is ours.


You have so many friends,

and love your holidays abroad.

You have been to so many places,

that most people could never afford.


And we are counting the skirts,

there must be seventy at least,

all neatly hanging,

all pressed and never a crease.


So thanks for having us,

now we know what love is for.

Thanks for our years together,

and here is to Forty More.


Copyright Allen Jesson 1998


and here’s one from a few years later, this time for a 17th wedding anniversary:


One Of Us


Kelley, as you know I’m not there,

I’m sorry, I’m on some distant sand,

but I just wanted to say “I love you”,

and I think these are words you’ll understand.


Because I have been ‘Blued’ for 18 years,

and in that time, I’ve missed many a special event,

but having said that, you’ve been there for me,

and I should know, my angel has been heaven sent.


Because you’ve often taken the load on your own,

your selfless actions have kept the family strong,

and never with any regard to your health or well being,

you’ve kept the home stable, all along.


You sacrifice every minute of every day,

and always, you are firmly last in the queue,

and Kelley, I just wanted to say “thanks”,

yes, I’m very proud of all that you do.


Some say it’s the military way,

some have said it’s just the military life,

but I know nothing could be further from the truth,

I’m so very proud of my wonderful wife.


Because you always put everyone ahead of you,

and all you ask is my love and respect in return,

but I’m not sure I’ve expressed that so well,

so all my past efforts, I think I’ll burn.


Because you are so much more than a wife,

and I’m going to tell you this before these lines end,

not only are you the love of my life,

yes indeed, Kelley, you are my very best friend.


I consider myself the luckiest man alive,

you and our daughter mean the very world to me,

and I just wanted to thank you for being you,

you’ve made my world a great place to be.


I want nothing more than to grow old with you,

I want you to see our love etched on my face,

because I’m going to spend the rest of my life with you,

and I promise, for most of it, we’ll be in the same place.


But our bond is stronger than anything we know,

even though our relationship was a bit rocky in the start

but Kelley, I want you to know that you’re here with me,

we’re always connected, no matter how many miles we’re apart.


But the longer we’re together the more we become alike,

so I think you should give up and stop all the fuss,

come on! Get crazy, cross over to the dark side,

yes Kelley, it’s time you became one of us!


But in the meantime, just know that I love you,

in truth, I love you with all my heart and soul,

for with you in my life, I am complete, yes,

you’re the one that makes me completely whole.


And tonight, please go outside and look skywards,

and there you will see a twinkling star,

and that will be me, sending you my love,

telling you exactly just how wonderful you are.


So I’ll finish by saying Happy 17th Anniversary,

I guess that’s really what these words are for,

so here’s to you Kelley, you’re truly beautiful,

and here’s to our everlasting love, for evermore.


Copyright Allen Jesson 2005

Allen Jesson it the owner of a site that specializes in providing the perfect Wedding Anniversary Gift Allen Jesson has specialized in writing the perfect anniversary gift in the shape of a bespoke anniversary poem for 1st anniversaries and way beyond, so far the record being a 60th. Any takers for a 61st?

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