ࡱ> tvqrs%` {bjbj"x"x *@@{JJJJJJJ^CCCCDT^*lDd^H^H^H^HqIqIqI$htϐJrNmIqIrNrNϐJJ^H^H S S SrNbJ^HJ^H SrN S SFJJϸ^HD @.CWCP'T-|0*{TrR:rϸϸrJiqIHJ SK_LqIqIqIϐϐ SqIqIqI*rNrNrNrN^^^b,^^^b,^^^JJJJJJ RSP 142 Plea 9/27/08 The RSP Periodic Email Archive: With somethings old, somethings new, somethings borrowed and sometimes blue! Please realize that the focus of RSP was never intended to be a pension mess. When this is over and done with, I will direct this email and website in a lighter direction. I post almost every email that I receive, with last names removed unless granted permission. The editor does not always agree with contributors, but protects their right to share opinion We will share info that we think our community will find pertinent and enjoyable. Thank you for staying in touch and happy retirement! The following are the RSP email archives that I still have, complete with grammar and mis-spelled SNAFU's! Caution, when reading archives keep in mind our world is a dynamic place and many bits of information become dated and are super-ceded by later updated info. DearRetired Delta Pilot, Thanks Denis for forwarding this: Wendell needs to be thanked for writing andarticulating this plea and making it public. Thanks Wendell, you did good! But who are you calling "old"? The Delta special stockholders meeting lasted less than an hour with about 50 people in attendance.Wendell Lewis gave a 3 minute statement. He got to make a SECOND statement to correct the board's response that it was not possible to make a contribution to the PBGC toward the Delta Retired Pilots Pension Plan Fund. He was interviewed by the AJC, Atlanta Business Chronicle, and Atlanta WSB-TV (broadcast Channel 2). Cathy Cone of DALRC who also supported the retired pilots in her statement. She met Wendell and after the meeting and was complimentary of his statement. Here is a copy of Wendell's statement: My name is Wendell Lewis; I am a retired Delta Pilot retiring in December 2004. I am a Trustee for Delta Pilots Pension Preservation Organization. I am speaking on behalf of our members and retired Delta pilots. This proposed merger means that Delta will be assuming the pensions of all Northwest employees including pilots and retired pilots. Only the retired Delta pilots will receive no benefit from the merger and will in fact be the only group that lost their pensions during the bankruptcies of Delta and Northwest. Delta will be funding the retirement of Northwest pilots and retired pilots and will not pay their own retired pilots. Our pensions have been turned over to the Pension Benefit Guarantee Corporation and the benefits for years of service have been drastically reduced. Many of the retired Delta pilots are receiving no pension or pensions that are a fraction of what was promised. I am but one example of those payments; I receive $34.72 monthly from the PBGC for my pension. Georgia Senators Isakson, Chambliss, and three other Senators stated in January 2007, that if USAir had the resources to merge with Delta then the PBGC should require them to reinstate the pensions of the USAir employees. We feel that that same logic should apply to the merger between Delta and Northwest. This merger will provide each of 700 managers an equity stake of $320,000. This merger will provide each Delta pilot an equity stake of $32,000. This merger will provide each Northwest pilot with an equity stake of $26,000. The merger will provide all employees with an equity stake in the airline. The total equity stake is approximately $929 million dollars, almost $1 Billion dollars. The merger will provide the average Delta pilot retiree with NOTHING. This is simply not right. We are talking about a bunch of old pilots trying to live out their retirement. It is like kicking your aging parents out of their home, selling it, and using the money to buy more for yourself. DP3 has sent requests to Mr. Anderson to consider either supplemental payments to the PBGC on behalf of the retired Delta pilots or reinstating the pension plan. The company could utilize up to 30 years to make payments to the plan as stated by Senators Isakson and Chambliss in their 2007 letter. Contrary to a response from Mr. Kight, Vice President of Benefits, this is an available option. Last year of the top twenty executives in Georgia, six were Delta managers, with a salary of $60 million. Mr. Kight stated that a $70 million dollar contribution to the Delta Disability & Survivorship fund was a small amount for a company with $35 Billion in revenue. Either of these amounts would have easily funded the retired pilots pensions. On behalf of all retired Delta pilots, I would like to appeal to the Board of Directors and shareholders for a fair and equitable treatment for the retired Delta pilots. We stand ready to work out a solution. It can be done, it should be done. Thank you. Lee Moak and an entourage of about 20 uniformed Delta pilots (trip drops?) came in together which CEO Anderson met each personally before the meeting. There were probably only 50 people at the meeting. None of them spoke at the meeting or with us after - just a show of solidarity with management. Robert Kight recognized Wendell before the meeting and greeted him personally. Wendell did get two snippets of his on camera interview in the local news broadcast. The following is at the end of an article posted on ajc.com:  HYPERLINK "http://www.ajc.com/business/content/business/delta/stories/2008/09/25/delta_shareholder_vote.html" \o "http://www.ajc.com/business/content/business/delta/stories/2008/09/25/delta_shareholder_vote.html" \t "_blank" http://www.ajc.com/business/content/business/delta/stories/2008/09/25/delta_shareholder_vote.html At the meeting, retired Delta pilot Wendell Lewis, who is a trustee for the Delta Pilots Pension Preservation Organization, voiced concern that Delta would not pay for retired Delta pilots pensions since the airline terminated its pilot pension plan during bankruptcy, but would pay for the pensions of former Northwest pilots after the merger. Their pensions were frozen but not terminated. This is simply not right, Lewis said. The pilots pension group in a letter had asked Delta to consider supplemental payments or reinstating the pension plan. Delta replied that it would not make those moves. Other retirees questioned Deltas executive compensation. Also objecting to the merger was the International Association of Machinists, which represents ramp workers and others at Northwest. Outside the Delta meeting site, demonstrators from the machinists union and other labor groups wore signs that read Say no to Northwest-Delta merger, save my airline from another bankruptcy. Usually the people who suffer from this are employees, said Allan Wojcik, an organizer for the machinists union, which hopes to represent mechanics at the merged airline. Separately, a case filed in U.S. District Court in the Northern District of California claiming the merger could substantially lessen competition and lead to higher ticket prices and less service is scheduled to go to trial Nov. 5. And this in an Atlanta Business Chronicle article: Not all in attendance were in approval of the deal. A group representing retired Delta pilots admonished Delta executives because current employees will receive equity in the combined carrier but retired pilots wont. The pilots asked Anderson to reinstate the defined pilot pension plan that was eliminated when Delta entered Chapter 11 protection in 2004. Anderson said the decision on terminating the pension program is final. There are Senators and Congressmen aware and involved in DP3's efforts to have the Department of Justice make it a merger condition to re-instate the lost retired pilot qualified pensions. DP3 asks that retired pilots keep making those similar contacts as outlined on the DP3 website. ________________________________ Calendar: 2008 - Secondary and final distributions?(Nowlikely in2009 -according to Kight) if there is one! 2008 - Effort for DAL pension help. Mar 10th letter for reinstatement - never answered May 6th, 2008 - IRS final ruling on recovery of withheld FICA taxes. Jul 3rd, 2008 letter asking for voluntary PBGC contribution - response pending 2008 - DAL-NWA Merger Timeline announced April 14, 2008 April '08 - filed Hart-Scott-Rodino with Dept of Justice - completed April 14th, 2008 May '08 - Non Rev cross airline improvements - completed April 29th, 2008 BySept 25th, 2008- Merger Shareholder approved NWA 98%, DAL 99% Combined PWA.- TA as of June, 24, 2008 (MEC approved 6-29-08) Pilot ratification vote closed Aug 11th, 2008 - NWA 86.76%, DAL61.74% By Fall 2008 - complete regulatory process,close merger ByNov 20th'08 - complete integration(SLI) ________________________________________________ DAL/NWA NEWS/RUMORS: ( HYPERLINK "http://www.ajc.com/business/content/business/delta/index.html" \o "http://www.ajc.com/business/content/business/delta/index.html" \t "_blank" DAL AJC,  HYPERLINK "http://finance.yahoo.com/q?s=dal" \o "http://finance.yahoo.com/q?s=dal" \t "_blank" DAL Yahoo,) AP Delta Air will offer 2 classes on shuttle flights Friday September 26, 3:10 pm ET Delta Air says it will offer first and economy class on shuttle flights starting in December DALLAS (AP) -- Delta Air Lines Inc. said Friday it would offer first and economy class aboard its shuttle flights beginning Dec. 1. Delta spokeswoman Betsy Talton said prices will vary by route, but first-class seats will generally cost $100 to $250 more than economy. Delta said it would offer 14 seats in first class and 128 in economy after reconfiguring its MD-88 jets used in shuttle service. Open-seating -- without assigned seats -- will remain in each class, the Atlanta-based airline said. read more -  HYPERLINK "http://biz.yahoo.com/ap/080926/delta_shuttle_classes.html?.v=2" \o "http://biz.yahoo.com/ap/080926/delta_shuttle_classes.html?.v=2" \t "_blank" http://biz.yahoo.com/ap/080926/delta_shuttle_classes.html?.v=2 __ __________________________________________ Other Airline News:  HYPERLINK "http://us.rd.yahoo.com/finance/industry/news/latestnews/*http:/biz.yahoo.com/ap/080926/amr_credit.html?.v=1" \o "http://us.rd.yahoo.com/finance/industry/news/latestnews/*http://biz.yahoo.com/ap/080926/amr_credit.html?.v=1" \t "_blank" American Airlines' parent draws on credit facility AP - Fri 10:01 am ET ______________________________________________________________________________ FINANCE: CLAIMS/PBGC/HCTC/ INSURANCE/PLANNING/TAX/ESTATE Remaining6 Watch: After Aug 2007 there are6 retirement items remaining with financial consequence. 1. PBGC 2nd look re-calc at qualified annuity benefits - completed 8/24/07 2. PBGC make up lump payment for underpayments since termination: most reported received 1/31/08 3. 2nd (final) claim distribution by DAL through BSI - pending (now likelyin '09 according to Kight) 4. Class Action suitagainst DAL concerning 5 yr lookback worth in excess of $100 million - withdrawn 5. Final PBGC re-calc "determination" of qualified annuity (likely after claim stock sale) - pending 6. Pension reinstatement/contibutionrequestby DP3 representing the retired pilots.very long shot....pending While Congress Struggles to Produce a Rescue: Some straight talk in tough times Written before a government rescue plan has been finalized. Is doomsday a coming? Will the markets crash? Is it over? Make no mistake, the credit situation is dire. If these markets are not freed up and begin to flow normally again, then bank after bank and brokerage house after another will fail. Not only will this domino effect psychologically play a devastating game on joe public, but business after business will file Ch 11 because credit is necessary for our economy to operate. On the macro scale the world economic systems hinges on the dollar and on a similar need for credit. If the above scenario plays out here in the states, then it would spread worldwide. In this sense, we are sitting on the edge of the precipice and looking over the edge into a big deep black hole. The government must act. and will! Debates and discussions that highlight how angry we are that we are in this mess, are at this point, academic. We are where we are. There must and will be a response. Since legislation will be signed into law that will provide some form of a rescue plan, how will that affect us? More specifically how will the markets and equities respond to this move? The consensus (and I follow along with the majority) is that there will be positive gains. We are blessed to have Henry Paulson in his role. The majority of democratic economic advisers (and those currently advising Obama) are theorists. They come from the academic community and have little real world experience. Paulson was at Goldman Sachs and understands markets. His plan was on target and was the best. Now politicians have the idea of the plan firmly in their grips and it will likely be considerable different than originally asked for. Paulson is a strategist and not a salesman. He needed to charm the skin off a snake to sell the plan to the public and congress, but because of the public angst could not get that done. However, it happens a rescue plan will happen! And of course the question remains how will that affect things? There are some issues in our economy that are relatively strong, and some areas that are at historical weakness, and so the complete and final answer is complicated. For example, will this plan help the US auto industry? Maybe somewhat but to a great extent not likely. At this juncture, one hates to see that Main Street is at the mercy of Wall Street, but in this case it is to a large degree that way. If Wall Street crashes, the effect will be deep and wide and the D word (depression) has been bantered about. That is why the government will act. My view is that this crisis will abate and that the markets will react positively and that we will skirt a deep recession (or worse) and begin to see positive growth quarters again in 2009. Lately the equity markets have been a roller coaster. Most of us are in the (stock market) game and are playing with longer term views. The S&P 500 is down over -17.4% YTD. In general our managed accounts have beat the index by between .5% to 7%. So we are getting what we are paying for, better than index performance in down markets. While these managed accounts have reduced the index loss, it is still a setback none-the-less and it simply isnt fun. These are the times when the average non-professional investor acts and locks in market losses. By selling now, an investor locks in the loss and limps to an attempted recovery usually using vehicles of lower return in up-turning markets. The only way to relatively quickly recover from a down -17.4% market is to be in it when it spikes. Here is the uncomfortable truth about market activity. A market player realizes gains quickly and in short time frames, that if missed are crucial. Example After 9-11 within 2 days the market was down 14%, yet 58 days later it had recovered all. Should an investor have sold on 9-13-01 he/she would have locked in that 14% loss. This roller coaster is very uncomfortable for all of us but particularly for those who have a shorter time horizon. Should this type of volatility in your nest-egg be too upsetting, analysts would say ride this recovery to recoup some losses and then move your mix to a more conservative product that will even out the gains you receive in your portfolio. If you have a longer time horizon of 5 years or more before retirement and beginning draw downs, then most would say swallow hard and ride this whopper of a ride and consider a more conservative approach as retirement or income draws nears. About time horizons. I submit that because of average longevity that your time horizon needs to be extended. In other words. Many view placing their portfolios in a rather conservative fixed income model at time of retirement. However, because of average length of life that model may not provide adequate income and inflation protection. Therefore, before cashing all out of equities, one has to consider how long people are living now days. While I am 55 and retired from Delta, I consider my own time horizon to be over 20 years. Now a word about safety and separate accounts. Many people do not understand how they are protected in their 401k or brokerage accounts. First, the account is in your name. If the institution you are with has trouble and fails, then your account will transfer to the new platform, but you will not be wiped out. WAMU, the largest banking institution failure in history, just failed and account owners hardly noticed. JP Morgan assumed control of the bank and every account owner is safe, and further, conducting business as usual. Now lets look at Fidelity as an example. Any account you own at Fidelity. you own. Fidelity does not. Should they at any time run into their own financial trouble your individual accounts are separate. Note: Just in passing, these are the days you want to know more about the institution you are with and being with Fidelity could not be more reassuring. In addition accounts at Fidelity are insured by the  HYPERLINK "http://www.sipc.org/how/brochure.cfm" \l "two" \o "http://www.sipc.org/how/brochure.cfm#two" SIPC up to $500,000 value ($100,000 in cash). Further, Fidelity buys a separate insurance policy through  HYPERLINK "http://personal.fidelity.com/global/content/protecting-our-clients-asset-is-our-priority.shtml.cvsr?refhp=cp" \o "http://personal.fidelity.com/global/content/protecting-our-clients-asset-is-our-priority.shtml.cvsr?refhp=cp" \t "_blank" CAPCO to insure every account holder up to the full value of their accounts. In comparison to the $100,000 insurance from an over burdened FDIC, this is a good deal. Finally, the majority view is that this crisis will pass and some semblance of normalcy will return. When I feel you should buy guns, gold, and a years supply of cigars & bourbon, I will sound the alarm. This time, top analysts and investors from Jim Cramer to Warren Buffet, believe markets will recover. Mark ________________________________________________________________________________ 2nd Career: (Header contains helpful sites) Partiallisting - Job sites/info:  HYPERLINK "http://www.willflyforfood.cc/" \o "http://www.willflyforfood.cc/" \t "_blank" WFFF  HYPERLINK "http://www.climbto350.com/climbto350_aviation_jobs_board.cfm" \o "http://www.climbto350.com/climbto350_aviation_jobs_board.cfm" \t "_blank" Climbto350  HYPERLINK "http://fltops.com/" \o "http://fltops.com/" \t "_blank" FLTops  HYPERLINK "http://www.airlinepilotcentral.com/" \o "http://www.airlinepilotcentral.com/" \t "_blank" Airline Pilot Central Headhunters:  HYPERLINK "http://www.parcaviation.aero/aviation/FlightcrewJobs.asp" \o "http://www.parcaviation.aero/aviation/FlightcrewJobs.asp" \t "_blank" Parc  HYPERLINK "http://www.wasinc.net/index.aspx" \o "http://www.wasinc.net/index.aspx" \t "_blank" WASINC  HYPERLINK "http://www.rishworthaviation.com/opportunities/oppslist.asp?cat=1" \o "http://www.rishworthaviation.com/opportunities/oppslist.asp?cat=1" \t "_blank" Rishworth  HYPERLINK "http://www.directpersonnel.com/site/load.php?page=1" \o "http://www.directpersonnel.com/site/load.php?page=1" \t "_blank" Dir Pers  HYPERLINK "http://www.iasco.com/employment_opportunities.aspx" \o "http://www.iasco.com/employment_opportunities.aspx" \t "_blank" IASCO  HYPERLINK "http://www.aeropersonnel.com/" \o "http://www.aeropersonnel.com/" \t "_blank" AeroPers  HYPERLINK "http://www.crewresourcesworldwide.com/positions.htm" \o "http://www.crewresourcesworldwide.com/positions.htm" \t "_blank" Crew Res  HYPERLINK "http://www.parginc.com/" \o "http://www.parginc.com/" \t "_blank" Paramount  HYPERLINK "http://www.iac-global.com/vac.htm" \o "http://www.iac-global.com/vac.htm" \t "_blank" IAC Job Forums:  HYPERLINK "http://www.airlinepilotforums.com/" \o "http://www.airlinepilotforums.com/" \t "_blank" APC  HYPERLINK "http://www.pprune.org/forums/" \o "http://www.pprune.org/forums/" \t "_blank" PPrune  HYPERLINK "http://www.willflyforfood.cc/pilotforums/" \o "http://www.willflyforfood.cc/pilotforums/" \t "_blank" WFFF ______________________________________________________________________ IRA Discussion Section: From time to time I will run articles below that are pertinent to large IRA's. One of the things that most of us have in common is the fact that our retirement is now centered around a rather large IRA (or two) that has it's advantages and dis-advantages. Owning "qualified" assets in a traditional IRA is sometimes full of challenges that we didn't necessarily count on. Most of these challenges involve how to minimize tax and maximize estate planning. I will insert IRA information for our group to mull over. __________________________________________________ Human interest: Subject: Airlines in the good old days In the age of the 707 Those were the good ole days. Pilots back then were men that didn't want to be women or girlymen. Pilots all knew who Jimmy Doolittle was. Pilots drank coffee, whiskey, smoked cigars and didn't wear digital watches. They carried their ownsuitcases and brain bags like the real men that they were. Pilots didn't bend over into the crash position multiple times each day in front of the passengers at security so that some Gov't agent could probe for tweezers or fingernail clippers or too much toothpaste. Pilots did not go through the terminal impersonating a caddy pulling a bunch of golf clubs, computers, guitars, and feed bags full of tofu and granola on a sissy-trailer with no hat and granny glasses hanging on a pink string around their pencil neck while talking to their personal trainer on the cell phone!!! Being an Airline Captain was as good as being the King in a Mel Brooks movie. All the Stewardesses (aka.Flight Attendants) were young, attractive, single women that were proud to be combatants in the sexual revolution. They didn't have to turn sideways, grease up and suck it in to get through the cockpit door. They would blush and say thank you when told that they looked good, instead of filing a sexual harrassment claim. Junior Stewardesses shared a room and talked about men.... with no thoughts of substitution. Passengers wore nice clothes and were polite, they could speak AND understand English. They didn't speakgibberish or listen to loud gangsta rap on their IPods. They bathed and didn't smell like a rotting pile of garbage in a jogging suit and flip-flops. Children didn't travel alone, commuting between trailer parks. There were no mongolhordes asking for a "mu-fuggin" seatbelt extension or a Scotch and grapefruit juice cocktail with a twist. If the Captain wanted to throw some offensive, rantingjerk off the airplane, it was done without any worries of a lawsuit or getting fired. Axial flow engines crackled with the sound of freedom and left an impressive black smoke trail like a locomotive burning soft coal. Jet fuel was cheap and once the throttles were pushed up they were left there, after all it was the jet age and the idea was to go fast (run like a lizard on a hardwood floor). Economy cruise was something in the performance book, but no one knew why or where it was. When the clacker went off no one got all tight and scared because Boeing built it out of iron, nothing was going to fall off and that sound had the same effect on real pilots then as Viagra does now for those new age guys. There was very little plastic and no composites on the airplanes or the Stewardesses' pectoral regions. Airplanes and women had eye pleasing symetrical curves, not a bunch of ugly vortex generators, ventral fins, winglets, flow diverters, tatoos, rings in their nose, tongues and eyebrows. Airlines were run by men like C.R. Smith and Juan Trippe who had built their companies virtuallyfrom scratch, knewmany of their employees by name and were lifetime airlineemployees themselves...not pseudo financiers and bean counterswhoflit from one occupation to another for a few bucks, a better parachuteor a fancier titlewhile fervently believing that they are a class of beings unto themselves. And so it was back then....and never will be again. _________________________________________ Misc. Emails Contributors: mark, thanks for all the info, and please relay to Richard Glasser, that neither myself or another phoenix area pilot with QDROs has ever heard anything other than they are 'working on it'. _________________________________________________________ CommercialSection: How many people do you know use gas or electricity? How many of them would like to pay less and earn travel rewards benefits too? How would you like to collect monthly residual income on every customer's monthly bill? De-regulation in energy service industry has produced a very unique opportunity!  HYPERLINK "http://ambitnational.com/" \o "http://ambitnational.com/" \t "_blank"  INCLUDEPICTURE "C://Documents%20and%20Settings/Mark%20Sztanyo/Local%20Settings/Application%20Data/IM/Runtime/Message/%7bF2776F87-4910-497B-92D0-0631CAD0C76F%7d/Show/operator%20faded%20titles2.JPG" \* MERGEFORMATINET   HYPERLINK "http://ambitnational.com/" \o "http://ambitnational.com/" \t "_blank" Click here to listen to a brief message NY, TX, IL residents (OH in 2009) (& soon many more states) can switch & save on utility bills. email:  HYPERLINK "mailto:info@ambitnational.com" \o "mailto:info@ambitnational.com" \t "_blank" info@ambitnational.com +++++++++++++++++++++++ Support the RSP network and become a "Ready...Set...Pack" traveler. You simply gotta check these insane prices on China tours. When I first saw them I thought they were travel agents FAM fares. You got to be kidding.... 9 days *****hotels, meals, tours and AIRFARE from LAX. WOW! Unheard of rates. If you have always thought about a trip to China, I don't you can find a better deal than this. Nov.travel eg.- = 679 (Tickets((tour+air+hotel+meals)))+ 220 (single room) + 430 (tax) = $1329 total  HYPERLINK "https://secure.spring-tour.com/ytb/TourList.aspx" \o "https://secure.spring-tour.com/ytb/TourList.aspx" \t "_blank"  INCLUDEPICTURE "C://Documents%20and%20Settings/Mark%20Sztanyo/Local%20Settings/Application%20Data/IM/Runtime/Message/%7bF2776F87-4910-497B-92D0-0631CAD0C76F%7d/Show/1x1_China3.jpg" \* MERGEFORMATINET  If you do not book online but call or email, be sure to credit RSP Traveler for you booking. ****************************** Click for travel from cruises to resorts. You'll find prices as low as anywhere on the net. Re-Newed Web site- Faster and Better!  HYPERLINK "http://rsptraveler.com/" \o "http://rsptraveler.com/" \t "_blank"  INCLUDEPICTURE "http://rsptravel.homestead.com/YTB_HomePage_sm_buttonJPG.JPG" \* MERGEFORMATINET   HYPERLINK "http://www.ytbtravel.com/rsp" \o "http://www.ytbtravel.com/rsp" \t "_blank"   HYPERLINK "http://www.ytbtravel.com/rsp" \o "http://www.ytbtravel.com/rsp" \t "_blank"   HYPERLINK "http://www.ytbtravel.com/Flights.aspx?wa=rsp" \o "http://www.ytbtravel.com/Flights.aspx?wa=rsp" \t "_blank" Flights |  HYPERLINK "http://www.res99.com/nexres/cars/search.cgi?src=10009590&lang=ENG&src_aid=YTB42106" \o "http://www.res99.com/nexres/cars/search.cgi?src=10009590&lang=ENG&src_aid=YTB42106" \t "_blank" Cars |  HYPERLINK "http://www.ytbtravel.com/Hotels.aspx?wa=rsp" \o "http://www.ytbtravel.com/Hotels.aspx?wa=rsp" \t "_blank" Hotels |  HYPERLINK "http://cs.cruisebase.com/cs/forms/cruiseresultspage.aspx?CD=-1&DF=3/1/2008&CL=6%7C9&CV=-1&CP=-1&CSP=-1&SN=false&MT=false&Phone=&Home=&EO=false&AG=256&Ref=BS&PIN=YTB42106&LID=" \o "http://cs.cruisebase.com/cs/forms/cruiseresultspage.aspx?CD=-1&DF=3/1/2008&CL=6%7C9&CV=-1&CP=-1&CSP=-1&SN=false&MT=false&Phone=&Home=&EO=false&AG=256&Ref=BS&PIN=YTB42106&LID=" \t "_blank" Cruises |  HYPERLINK "http://72.32.247.66/partners.php?partnerid=46c1de06acfcb&subid=YTB42106" \o "http://72.32.247.66/partners.php?partnerid=46c1de06acfcb&subid=YTB42106" \t "_blank" Shore excursions |  HYPERLINK "http://www.ytbtravel.com/Vacations.aspx?wa=rsp" \o "http://www.ytbtravel.com/Vacations.aspx?wa=rsp" \t "_blank" Vacations |  HYPERLINK "http://package.golfswitch.com/destinationList.asp?d=52&a=YTB42106" \o "http://package.golfswitch.com/destinationList.asp?d=52&a=YTB42106" \t "_blank" Golf |  HYPERLINK "http://www.ytbflowers.com/default.aspx?sid=YTB42106" \o "http://www.ytbflowers.com/default.aspx?sid=YTB42106" \t "_blank" Flowers |  HYPERLINK "http://www.res99.com/nexres/activities/destinations.cgi?src=10009590&src_aid=YTB42106" \o "http://www.res99.com/nexres/activities/destinations.cgi?src=10009590&src_aid=YTB42106" \t "_blank" Tickets |  HYPERLINK "http://www.ticketsnow.com/?ppc=TNowAff&affiliateReferral=true" \o "http://www.ticketsnow.com/?ppc=TNowAff&affiliateReferral=true" \t "_blank" Concerts/Games +++++++++++++++++++++++++++++++++++++  HYPERLINK "http://www.marketplaceearth.com/" \o "http://www.marketplaceearth.com/" \t "_blank"  INCLUDEPICTURE "C://Documents%20and%20Settings/Mark%20Sztanyo/Local%20Settings/Application%20Data/IM/Runtime/Message/%7bF2776F87-4910-497B-92D0-0631CAD0C76F%7d/Show/MarketPLace%20Earth%20Logo4.GIF" \* MERGEFORMATINET  Do you need SEO? What is it? Search Engine Optimization! If you have any online web business, than you need SEO. What does it do? It moves you up the rankings for a Google search. Any online business that lands in the first 3 searches or even the first page, will have dramatic improvements on hits and business. Contact my son Eric at Marketplace Earth, and he will hook you up. Eric Sztanyo, SEO Specialist, Marketplace Earth,  HYPERLINK "http://www.marketplaceearth.com" \o "http://www.marketplaceearth.com" \t "_blank" www.marketplaceearth.com, HYPERLINK "mailto:es@marketplaceearth.com" \o "mailto:es@marketplaceearth.com" \t "_blank" es@marketplaceearth.com,ofc://513-231-0637 _______________________________________________________________ POLITICAL ACTION AREA: (No entry here necessarily reflects the views of the editor. You be the judge whether or not any action has merit. This section is not meant for the easily peed off. As long as it isn't vile or contain offensive language, I will occasionally pass along a request for political action): 1st debate in the tank -- ho hum! _________________________________________________ HUMOR/SOBERING/FUN Section: (Disclaimer: These are shared links. I cannot pass along attachments or images but hot links work well. All of the the links I pass along have been openned but none have been certified clean from problems. With a good anti-virus program you should be safe on all). Thanks Charlie: Subject: The Birk Economic Recovery Plan This idea sounds just crazy enough to possibly work, so naturally it won't be given serious consideration. How great is our bureaucracy? I'm against the $85,000,000,000.00 bailout of AIG. Instead, I'm in favor of giving $85,000,000,000 to America in a We Deserve It Dividend. To make the math simple, let's assume there are 200,000,000 bonafide U.S. Citizens 18+. Our population is about 301,000,000 +/- counting every man, woman and child. So 200,000,000 might be a fair stab at adults 18 and up.. So divide 200 million adults 18+ into $85 billion that equals $425,000.00. My plan is to give $425,000 to every person 18+ as a We Deserve It Dividend. Of course, it would NOT be tax free. So let's assume a tax rate of 30%. Every individual 18+ has to pay $127,500.00 in taxes. That sends $25,500,000,000 right back to Uncle Sam. But it means that every adult 18+ has $297,500.00 in their pocket. A husband and wife has $595,000.00. What would you do with $297,500.00 to $595,000.00 in your family? Pay off your mortgage - housing crisis solved. Repay college loans - what a great boost to new grads Put away money for college - it'll be there Save in a bank - create money to loan to entrepreneurs. Buy a new car - create jobs Invest in the market - capital drives growth Pay for your parent's medical insurance - health care improves Enable Deadbeat Dads to come clean - or else Remember this is for every adult U S Citizen 18+ including the folks who lost their jobs at Lehman Brothers and every other company that is cutting back. And of course, for those serving in our Armed Forces. If we're going to re-distribute wealth let's really do it...instead of trickling out a puny $1000.00 ( 'vote buy' ) economic incentive that is being proposed by one of our candidates for President. If we're going to do an $85 billion bailout, let's bail out every adult U S Citizen 18+! As for AIG - liquidate it. Sell off its parts. Let American General go back to being American General. Sell off the real estate. Let the private sector bargain hunters cut it up and clean it up. Here's my rationale. We deserve it and AIG doesn't. Sure it's a crazy idea that can 'never work.' But can you imagine the Coast-To-Coast Block Party! How do you spell Economic Boom? I trust my fellow adult Americans to know how to use the $85 Billion We Deserve It Dividend more than I do the geniuses at AIG or in Washington DC And remember, The Birk plan only really costs $59.5 Billion because $25.5 Billion is returned instantly in taxes to Uncle Sam. Ahhh...I feel so much better getting that off my chest. Kindest personal regards, Birk T. J. Birkenmeier, A Creative Guy & Citizen of the Republic _________________________________________________ That all for this RSP issue! Until next time. 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