ࡱ>  q` 3bjbjqPqP ::3T ||||}t /b~DDDDDWWW$h|;SW;;DD;DD;nND} Љ1| 0/. uÃu@NN*u^PW"yWWWك WWW/;;;; d.(O- (O  RSP 094 6/15/07 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, Still don't know where it is at? 6-14-07 Mark, Although I did get a check for an Administrative claim (324.03) I have received nothing for the Medical claim. I spent the day trying to track down the payment for $34,925.51 (medical claim) that I have yet to receive. As you recommended I went to  HYPERLINK "http://www.deltadocket.com/" \o "http://www.deltadocket.com/" \t "_blank" www.deltadocket.com to search for my claim. I could not find it. I called the # listed for retiree chapter 11 help and they could tell me nothing specific and took my info and said they will call me back sometime next week. Then I called the Debtors claim agent Bankruptcy Services LLC as listed in a letter from Mr. Knight. They said they have no way to check the status of my claim until all claims have been settled and I will most likely get another check soon when they make the second distribution unless there is a mixup or problem. I dont think anyone I talked to had a clue to whats going on. To whom should I contact next to try to get an answer to my specific claim? thanks Kevin Kevin, I have been recommending contacting the main players. TheDavis, Polk & Wardwelllaw firm, BSI, Fidelity, and Robert Kight. Why Fidelity? Well, some got their claim distributed to an account that they could not see online. So it is crazy but worth a shot to check with Fidelity and give them your Social and see if anything is there. DAL senior VP of benefits is  HYPERLINK "mailto:robert.l.kight@delta.com" \o "mailto:robert.l.kight@delta.com" \t "_blank"  HYPERLINK "mailto:robert.l.kight@delta.com" robert.l.kight@delta.com Good luck, Mark ___________________________________________________ Letter to rescind or dimiss your objection: New arbitrary deadline is June 30th 6-13-07 Hi Mark, I just found out that the court still shows my cobra dispute motion still in effect so, I will not get my medical claim payout for awhile. I was told that I can still submit the withdrawal letter by June 30th. Do you have any idea where I can find the letter? Thanks Tim Here is the letter but I would also communicate in other ways to the main parties in this distribution. That also goes for anyone who did not receive a check or stock that was fully expected. Become pro-active! See RSP 091 & 092 for the list of players. Here is the letter to request your removal of objection:  HYPERLINK "http://www.dp3.org/data/letter2withdraw_claim.pdf" http://www.dp3.org/data/letter2withdraw_claim.pdf ________________________________________________ Can you make money with DAL stock? 6-15-07 DAL$19.02 at the time of this writing and our cost basis of $19.55, Can we hold on to this stock and make money! Sure! Anything is possible. While you may wish to play the game now that you are an individual equity holder in our old company, please remember there are a ton of claims out there waiting for the right moment to sell to turn paper into cash. Boeing, AMEX, PBGC and our retired pilot community have a ton of stock. Of the 400,000,000 shares issued there is only half trading. Despite these facts that would tend to depress the price, DAL may rise up and suprize, especially with merger rumors. Play if you wish, but be careful. ______________________________________________________________________ DAL NEWS/RUMORS: ( HYPERLINK "http://www.ajc.com/business/content/business/delta/index.html" DAL AJC,  HYPERLINK "http://finance.yahoo.com/q?s=dal" DAL Yahoo,)  HYPERLINK "http://us.rd.yahoo.com/finance/industry/news/latestnews/*http:/biz.yahoo.com/ap/070614/ga_delta_china.html?.v=1" Delta Confident About China  HYPERLINK "http://us.rd.yahoo.com/finance/industry/news/latestnews/*http:/biz.yahoo.com/ap/070607/airlines_sector_snap.html?.v=1"  ________________________________________________________ Misc Info: I get a lot of funny and sometimes poignant emails from the group but I have a real difficult time attaching attachments to a mass email. Links work just fine. So please do not think that I am dissing your contribution because it doesn't get published. Please note also that I once thought everybody thought politically just like me. I thought they would all laugh at the same political jokes. Since then I have grown up a bit. So I will do my best to stay away from what would be construed as offensive political humor. (Even if I find the piece quite amusing). ________________________________________________________ FINANCE: CLAIMS/PBGC/HCTC/ INSURANCE/PLANNING/TAX/ESTATE Many of you in the retired pilot community have had mixed results with your investments and portfolio since retirement. I know because I talk to sooo many of you. There is definately a time in our life when we wish to take less risks. But underperfoming managed accounts is another matter and is in a nutshell,unacceptable. Some of you have done great, while others are waiting for a revival. Listen at our age, we cannot sit around and wait for an underperforming account to turn around.Here is a commercial but I share it in the same interest that I share info about the claim.To keep us all informed. During the calendar year of 2006 our pilot portfolios at Integritas all ranged between 10.1% - 16.2% depending on the pilot's level of aggressiveness. I am hearing stories from many of you that your accounts have not performed as you expected. Here is what only 1% difference (8% as opposed to 7% ROR) looks like on $2 million over 20 years. $2,000,000 x 8% x 20 years = $9,321,914 $2,000,000 x 7% x 20 years = $7,739,369 $1,582,545 Difference! Now imagine a 2 or 3% difference in the rate of return on your portfolio! When it comes to the claims and claim awards I wish for pilots that they get what they earned and deserve. Since that is not happening, my second wish is for you to maximize your "new found" money. (I have to admit I do not like that term describing a portion of the benefits that we should have gotten). But friends, if you get all you can and make less than optimal choices with your portfolio management than all for not. Our guys need to be involved with a quality program that has a good track record and performance history to prove it. +++++++++++++++++++++++++ More HCTC: 6-13-07 Mark, I had the same problem Jim L had. I started checking the Benefits Web Site the end of June and it did not show a payment in June. I called the ESC and they told me it had not been paid. I called the HCTC and they said that the payments were electronically transferred on 24 Jun. I called both of them again around 4 Jun as my June payment did not appear on the Benefits Web site. HCTC told me if it was not posted by 7Julto call them back. Around 7 Jul The web site showed a payment made on 29 Jun. My latest problem is with the ESC is that my wife turns 65 in Sept., so my HCTC claim has to be resubmitted. It seems simple enough, I fill out a new application and attach a letter from Delta stating what my premiums will be as of 1 Sept. I called the ESC, they tell me that there is no way to get the letter that I need until after 1 Sep. which means that there will be at least a one month lapse in my HCTC monthly payment. To me this seemed like a simple request, but evidently there is no one in the ESC capable of writing a letter. If anyone has better luck than I did on getting a letter from the ESC let me know. Thanks, Jim Jim, thanks for sharing this info. ++++++++++++++++++++++++++++++++++++++++++++++++++ DP3 Claim Explaination letter re-printed in its entirity: Also click here for DAL Retiree Site info:  HYPERLINK "http://www.dlretiree.info/articles/june_07/calculating_your_initial_claim_allocation_distribution.htm" http://www.dlretiree.info/articles/june_07/calculating_your_initial_claim_allocation_distribution.htm June 14, 2007 Calculating Your Initial Claim Allocation and Distribution By now you should have received the initial distribution on account of your allowed claim or claims in Deltas bankruptcy. You should also have received a letter from Delta and an earnings statement, in the form of a check stub or stubs. Since this distribution was made, Delta has received many inquiries about the individual amounts of the distribution and how each distribution was calculated. Many people have compared the net amount of the initial distribution they received to the dollar amount of the claim that they have and dont understand why there is such a big difference. In most cases, there are five primary drivers of the differences, including: For many, the information you received earlier this year was only an estimate of the value of your claim. As explained in that earlier information, your claim has since been adjusted for various reasons depending on the nature of your claim. Claim values are not paid at 100 cents on the dollar. o For Class 4 or Class 5 (those with a claim value of more than $2000), claim values are only used to determine how many shares of new Delta stock you will receive. o For Class 6 (Convenience Class those with claims of $2000 or less which received cash rather than shares) under Deltas Plan of Reorganization claim payment was calculated at a rate of 70 cents on the dollar. Taxes had to be withheld from your initial distribution. o FICA was withheld from all 1114 medical claims (codes on your paystubs may include CL5Qual, CL6Qual, Claimsh) o FICA was not withheld from non-qualified settlement for pilots that retired prior to September 14, 2005 (codes on your paystubs may include CL5NQual, CL6NQual, Claimsh). o Click here for federal, state and local tax rates that were withheld. o Consistent with previous practice, taxes are not withheld from survivor disbursements; a 1099 will be issued at the end of the year. The ultimate value you realize on account of your claim is tied to the market price of Delta stock for those in Class 4 and 5 This is only the initial distribution for Class 4 and 5, and you may receive another small distribution at some date in the future o For Class 6, the distribution you have received is the only one you will get. These concepts are further developed in an example which you may access by following this link: This includes Deltas methodology for allocating and distributing all unsecured claims, which includes all retiree claims.  HYPERLINK "http://www.dlretiree.info/pdf/june_07/claims_allocation_distribution_Example.pdf" Click here to view and download the example. We hope that this helps clarify some of your questions around your distribution. Example Delta applied the same four-step methodology in the claims allocation and distribution process for all its general unsecured retiree claims. Weve outlined these below: Step 1 Finalize your individual claim amount (doesnt apply to all individuals) In some cases, the claim amounts in the original notice sent to you were estimates that had to be adjusted as follows: Non-Qualified pension claims for retired pilots were adjusted to pay the allocated legal fees incurred by DP3, as provided in the court approved agreement. Certain medical claims for ground and flight attendant retirees included a component to be calculated based on a monthly claim amount through emergence. In estimating the original claim amounts, we used a date of June 2007, as provided in the court approved agreement. Since Delta emerged from bankruptcy in April 2007 instead, actual claims in this category are smaller than originally estimated. Step 2 Allocate the Shares The claim dollars you have are not paid at 100 cents on the dollar For those in Class 4 or Class 5 (those with a claim value of more than $2000), the claim value is only used to determine how many of the new shares of Delta stock you will receive. As part of the bankruptcy process, we divide your allowed claim by all the claims in the whole case1. We then multiply the resulting fraction by the number of shares currently available to be distributed to unsecured creditors to determine how many shares you will receive. In Deltas case every general unsecured claim of $10,000 against Delta ($10,000 claim dollars) received an initial distribution of approximately 225 shares of new common stock in the reorganized Delta Air Lines. It makes no difference whether you elected your distribution in cash or shares the same number of shares was allocated to you. If you are in Class 6 (Convenience Class those with claims of $2000 or less), your claim allocation was made to you in cash based on a 70 cents on the dollar recovery rate. As stated in Deltas Plan of Reorganization and as is typical in most bankruptcies, all unsecured claims will recover only a certain percentage on the dollar. For example, if your claim amount was $1,500, your gross cash distribution before taxes would be $1,050 ($1500 X 0.70). 70 cents on the dollar was established in Deltas confirmed Plan of Reorganization based on the midpoint of the 62-78 cents on the dollar projected recovery rate Delta had in its POR. 1 Allowed claims are those that have been allowed by the bankruptcy court and are no longer in dispute. Step 3  HYPERLINK "http://www.dlretiree.info/articles/june_07/step3_calculating_your_taxes.htm" Calculate Withholding Taxes  Taxes had to be withheld from your initial distribution. You have received a net distribution from Delta, which means that Delta withheld certain tax amounts pursuant to law. As shown in the example below, a total of 87 shares of Delta stock (out of 225) were withheld to pay the applicable taxes, leaving 138 net shares to be distributed. Your personal tax withholding information can be found in the check stub or stubs you received from Delta shortly after your claim was distributed to you. In general, Delta used the following tax withholding rates: Social Security and Medicare (FICA) Where applicable, tax was withheld at a rate of 6.2% for social security and 1.45% for Medicare. If your allowed claim is related to a Pilot Non-Qualified Settlement and you already paid those taxes at the time you retired (i.e. you retired on or before September 1, 2005), you were not subject to social security or Medicare taxation on this amount. If your allowed claim is related to medical benefits (or Pilot Non-Qualified Settlement for someone who retired after September 1, 2005), then social security and Medicare taxes were withheld. Some of you have indicated to us that the Social Security Administration has told you that payments on account of bankruptcy claims are not subject to social security and Medicare taxation. The Social Security Administration is not the agency that determines whether a particular payment is subject to tax withholding. That determination rests with the Internal Revenue Service and in some cases, judicial interpretation. We firmly believe that these payments are subject to these taxes, as confirmed by numerous court decisions and our discussions with the Internal Revenue Service. For payments that are subject to these taxes, if the value of the payment on account of your claim causes you to exceed year to date income of $97,500, you will only be subject to social security taxation up to that amount. The amount above the $97,500 is not subject to social security taxation. Medicare taxes continue even when social security taxes stop. Federal If your allowed claim was between $0 and $2000, tax was withheld at a flat-rate of 10%, and if between $2,000 and $100,000, tax was withheld at a flat-rate of 15%. If your allowed claim is greater than $100,000, tax was withheld at a flat rate of 25%. State and local Tax was withheld at the supplemental rate associated with your residence location. Step 4 Make the Initial Distribution After the gross number of shares was determined and taxes were withheld, the net shares were deposited into a Fidelity brokerage account (for those electing equity rather than cash). How much those shares are worth is determined by the market price of the stock; which changes day to day. In the example below, this unsecured creditor with a $10,000 claim received an initial distribution of 138 shares of Delta stock which was worth $2,698.68 as of the close of the market on June 1st when the stock price was $19.55. For those who elected to receive cash, the net shares from Step 3 was multiplied by $19.4762, the average share price of the shares sold over the month of May so that the net cash received was $2688.49. For those in Class 6 (Convenience Class), the claim amount was multiplied by 0.70 to produce the gross amount of the payment which then had taxes withheld as described above. Next Steps For Class 6, there will be no more distributions. These claims have been satisfied in full by the payment you have received. For Class 4 and 5, you may receive another small distribution of shares or cash in the future which will then be the full satisfaction of your claim. The distribution you just received was the initial distribution we are making to you. As required by our Plan of Reorganization, we have reserved some shares based on the amount of unresolved claims that were still outstanding as of the date we made the final determinations for the initial distribution. You may receive a final distribution in the future when the remaining disputed bankruptcy claims are settled. The timing and amount of the future distribution cannot be determined at this time, but is likely to be more than 12 months from now. We will communicate to you further once we know more about the timing of your final distribution.  HYPERLINK "http://www.dlretiree.info/pdf/june_07/claims_allocation_distribution_Example.pdf" Example of Retiree Claim Calculation Class 6 / Convenience ClassRetireeCash DistributionClaim Amount$1,500Gross Cash Distributed on $1,500 Claim ($1500 X 0.7) (1):1,050.00$ Tax Withholdings (2): Federal Income Tax10.00%(105.00)$ FICA7.65%(80.33)$ Georgia State Income6.00%(63.00)$ Total Tax Withholdings(248.33)$ Net Cash Distributed801.68$ DescriptionExample of Retiree Claim Calculation ____________________________________________________ HUMAN INTEREST: Dave Roberts sent this out and it is sobering: This is an a remarkable video document, with sound, that will amaze you.Consider what your children or grandchildren will face when they enter the business world later in this century.Click the lower right expanding rectangle to see this on full screen.Clicking ESC will take it back to the small screen size. Unbelievable, Dave  HYPERLINK "http://www.youtube.com/watch?v=xHWTLA8WecI" \o "http://www.youtube.com/watch?v=xHWTLA8WecI" \t "_blank" http://www.youtube.com/watch?v=xHWTLA8WecI ______________________________________________ OTHER AIRLINE: ( HYPERLINK "http://finance.yahoo.com/q?s=amr" AMR,  HYPERLINK "http://finance.yahoo.com/q?s=UAUA" UAL,  HYPERLINK "http://finance.yahoo.com/q?s=cal" CAL,  HYPERLINK "http://finance.yahoo.com/q?s=luv" LUV,  HYPERLINK "http://finance.yahoo.com/q?s=NWACQ.PK" NWA,  HYPERLINK "http://finance.yahoo.com/q?s=LCC" USAir)  HYPERLINK "http://us.rd.yahoo.com/finance/industry/news/latestnews/*http:/biz.yahoo.com/ap/070615/airlines_sector_snap.html?.v=1" Sector Snap: Airline Stocks Mixed  HYPERLINK "http://us.rd.yahoo.com/finance/industry/news/latestnews/*http:/biz.yahoo.com/ap/070613/amr_demand.html?.v=1" AMR CEO Sees No Lack of Demand HYPERLINK "http://us.rd.yahoo.com/finance/industry/news/latestnews/*http:/us.rd.yahoo.com/finance/external/cnnm/SIG=12k2q8b2t/*http:/money.cnn.com/2007/06/06/news/companies/bc.airlines.pensions.reut/index.htm?source=yahoo_quote"  _________________________________________________ MISC EMAIL CONTRIBUTORS:  HYPERLINK "http://rsp.homestead.com/Emaillist.html"  6-15-07 Mark You seem to be as up on the distribution methodology as most. I have asked this question to several other sources and haven't received a credible answer so I might as well run it by you. I retired normally at age 60 in 2000. I was receiving a NQ check for $1061 per month. Since the NQ portion was shut down 12 or 13 (not sure) months before it was terminated, I felt that my initial NQ claim should be about $13,000. I received a check labled CL6NQUAL for $1283.86 less tax of $128.39 for a net of $1185.47. If it was based on 12 months, it looks like about a 10% distribution. I guess my questions would be why the distrbution was so low and if I have a complaint, who do I contact. Thanks. Ron Ron, As I replied to you, the check you received was your Admin claim. I could not find your name on the amended list for a NQ claim. +++++++++++++++++++++++++++++++++++ Hi Mark, I understand we will be receiving a W2 for our settlement money. Can I infer that any amount on a W2 is considered "earned income", and I can therefore invest $4000 + $1000 "catch-up" for my spouse and for myself as 2007 tax year contributions? We are both retired and have no other earned income. As I replied to this emailer, yes this will be earned income. And yes he can do what he suggested. Placing MORE money into a qualified retirement nest egg may not be the best of all choices since we all have a significant pile of qualified assets now. +++++++++++++++++++++++++++++++++++++ 6-14-07 Dear Mark, I recieved my first stock amount as planned, but today recieved a check called CL5NQUAL.Do you know if this is a Non Qual late payment, or what?.If a mistake, I am reluctant to cash it. -- Sincerely, Jim Jim, That checkshouldbe for theAdministrative Claim and they range from $100 to $7000 or so. Ifyouever saw yourself on the Admin list it is approximately 9% less than that listing shows (before tax) due to legal expenses. ++++++++++++++++++++++++++++++++ 6-14-07 Hi, Great info. I sold my Delta stock on Fidelity. com in about 2 minutes throught their automated system. I never had to talk to anyone and didn't send them any letters or other info. Thanks for your e-mails. Jerry ++++++++++++++++++++++++++++++++ 6-14-07 Mark, Thank you for your insight into the DL claims and non-qual monies. Question: Since the medical claim, for tax purposes, will be sent to us on a W2, will that be counted as earned income or be put on the W2 like the unqualified? Thanks! Juanita Juanita: Thank you for being part of the RSP ring and speaking up. Please pass the word to other survivors out there that they may wish to be on the list to keep up with what is going one. I am happy to place them on the list. To answer the question. What we received with all claim awards (whether in stock or cash) has been deemed as ordinary income and will appear on a W2 report later this year. For example if a pilot received $75,000 NQ award in stock and a $35,000 Med claim and a $1500 Admin Claim, they would all appear on the W2 as income earned in the year of reciept. Because of this rather high income year many pilots are selling stock to lock in a capital loss to offset the withheld tax already paid. For anyone who sells stock below the $19.55 level you will incur a capital loss and be able to write that off against this high income tax year. +++++++++++++++++++++++++++++++++++ 6-14-2007 Mark, I'm one of those pilots who have a claim above what Delta originally agreed to pay. I am on LTD and I filed a claim based on what I felt I had lost. I have rechecked the amount and based on what you are saying, I need to modify (lessen) the claim. How can I do this? I don't want to rescind the claim, only modify it based on my more accurate calculations. Any suggestions? Don Don, I just got done emailing Fred S who had a similar question. I want pilots to realize what is happening here with these outstandingobjections.There is noone who is stepping up to represent you unless you hire an attorney. Without an attorney the claim is being lumped with hundreds of others that will be reviewed based on documentation and argument. Will the court be doing this assessment? No! They will depend on someone they assign and then strike the gavel down for the whole lot ofthem. Robert Kight (VP Benefits) mentioned to a pilot friend of mine, that when apilot objects to hisawarded claim the award amount is on the table. I do not exactly knowwhat that means but can only assume that there is risk to be sure. Therefore, rather then quibbling over the accuracy of your documents and argument, you may be better served to remove your objection altogether. I just spoke with Jimin DFW who is in theexact same boat and his award is also beingheld up because of his objection. While I agree that you have a point there is also times when surrounded by red coats that it is more prudent to take the stash and run. If you wish to revise your objection anyway, then see my issues of the RSP 092 for the law firm to contact and also send your revision to BSI and the Court.  HYPERLINK "http://rsp.homestead.com/archive.html" \o "http://rsp.homestead.com/archive.html" \t "_blank" http://rsp.homestead.com/archive.html  HYPERLINK "http://www.dp3.org/data/letter2withdraw_claim.pdf" http://www.dp3.org/data/letter2withdraw_claim.pdf +++++++++++++++++++++++++++++++++ Mark, Although I did get a check for an Administrative claim (324.03) I have received nothing for the Medical claim. I spent the day trying to track down the payment for $34,925.51 (medical claim) that I have yet to receive. As you recommended I went to  HYPERLINK "http://www.deltadocket.com/" \o "http://www.deltadocket.com/" \t "_blank" www.deltadocket.com to search for my claim. I could not find it. I called the # listed for retiree chapter 11 help and they could tell me nothing specific and took my info and said they will call me back sometime next week. Then I called the Debtors claim agent Bankruptcy Services LLC as listed in a letter from Mr. Knight. They said they have no way to check the status of my claim until all claims have been settled and I will most likely get another check soon when they make the second distribution unless there is a mixup or problem. I dont think anyone I talked to had a clue to whats going on. To whom should I contact next to try to get an answer to my specific claim? thanks Kevin Editor's Note: It is "Kight" not Knight.  HYPERLINK "mailto:Robert.l.kight@delta.com" Robert.l.kight@delta.com My advice isexhaust the possibilities of where it could have been sent or deposited, then make known you plight to all the players. Keep slugging! ++++++++++++++++++++++++++++++++++++ Mark In a recent letter from the BUM group you stated, "Caution: with an outstanding objection filed and you receive a negative ruling by the court, you may be exposed to losing any claim at all." This "losing any claim at all" seems a bit extreme. Actually I don't have any problem waiting for the claim being decided, but running the risk of losing the original claim just because I believe we are losing money a pilot who retired four months earlier is getting, seems impossible. Jim Gray said the PBGC believes it's OK for this money (the 5 year look back loss) to just get lost in the arithmetic. Let me explain. I retired Jan 1, 2003 at age 58. A friend of mine from my Delta class retired four months before I did. Our general numbers were identical, years of service, FAE etc. We'll call him Don. Don's qualified check was $2,100 and his unqualified check $3,600. My checks were just the opposite, qualified $3,600, unqual $2,100. We didn't understand the differences at the time and because the totals were the same we didn't worry about it, until Delta filed for bankruptcy and the unqual checks stopped. Don started asking questions and was told that this occurred because the IRS qualified maximum was $170,000 when he retired therefore his qualified check was smaller. The IRS maximum changed to $200,000 just before I retired and resulted in my higher qualified check. At first, when he lost the large unqualified check to the bankruptcy he was pissed. Things evened out when Delta terminated our pensions and our qualified check were reduced to about $600 and we were both getting about the same amount. They were adjusted upward to $1,496 when Delta recalculated our qualified benefits according to the PBGC rules. When the claims came out, however, Don's claim was $460,000 because his unqualified check was larger ($3,600). My claim was only $260,000 (based on $2,100). Once the PBGC gets their money and pay 100% of our qualified pension they (the PBGC) will pay me and Don the same amount because the 5 year look back puts us both under the IRS maximum of $170,000. My contention is that if my qualified pension is based on the $170,000 maximum then that $1500 should be moved to the unqualified side and my claim should be $460,000 just as Don's was. That money shouldn't just disappear as if it never existed, or "lost in the arithmetic" as the PBGC contends.. Fred Editor's Note: As an outstanding claim objector you are truly playing ball with the big boys. With no representation, watch out! I have already responded to Fred personally, but for the rest of you, the quote was not mine but from Robert L. Kight Senior VP of benefits. I would personally caution pilots whofind themselves standing alone against an overburdened legal process. +++++++++++++++++++++++++++++++++++++++ Hi, Mark, I did not receive an answer back on my question regarding the D & S survivor benefits for those of us who took the lump sum and no joint annuity option---would it be 50% of the 30% = 15%?I haven't heard back from Delta on this as yet, so was just wondering if you have had time to research it?Thanks---we're all grateful for your efforts! J.T. Editor's Note: I emailed JT back to let him know that I am working on a piece on the D&S trust. Along with that we will review what benefits we as retirees have. To be continued. ++++++++++++++++++++++++++++++++++ Mark, Just to let you know I still have not received this claim check. My other two check stubs for the medical and non-qual stock amounts both indicate CLAIMSH - (NETSHRS) on the stubs but nothing about CL5NQUAL which I understand is the code for the administrative claim. We are leaving in a couple of hours for Minnesota and won't be back till next Tuesday. If no check by then I guess I'll be contacting the BSI people to try and track it down. Have a good weekend and I'll be in touch next week. Bob ++++++++++++++++++++++++++++ 6-13-07 You've probably answered this a hundred times but somewhere in the shuffle and tidal wave of paper and emails in the last year and a half I can't find it. Can you tell us how the admin claim was figured on the NQ benefit? THanks for all the info and Q&A in your letter. You're the only guy we've got right now. Barry ++++++++++++++++++++++++++++++ 6-13-07 Man.....I never received a check for$66,962.56 for a Med Claim. Both Stubs had 0 dollars on bottom portion. I had $196,973.48 worth of Delta Stock deposited in my Fidelity Account on 6/8/07. Dick The stubs mean the money went somewhere. Check the Fidelity account. If you don't see the account in Fidelity call them to see if there is an account that you do not see. ++++++++++++++++++++++++++++++++++ 6-13-07 Mark: Sorry to bother you as I know you are swamped with questions etc., but I did receive a check from Delta for just over $1800. I checked the pay stub and it said 6NQUAL. Is this the administrative distribution and should I wait a little longer for the Medical distribution which was supposed to be around $38,000? I had also protested the amount and have never heard anything back from the courts or Delta about the protest, but I'm wondering if I need to get involved with withdrawing my claim??? What a mess Delta has created for all of us and we all really appreciate people like you who have kept us as informed as possible.Let me know what you think. Thanks again, Bill Editor's Note: You lucky stiff, you! That $1800 was your Admin claim and because under $2000 it was 100% dollar for dollar but coded 6NQUAL. Read the rest of this email and get pro-active on your Med claim. +++++++++++++++++++++++++++++++++++++ 6-13-07 Mark, Again, sorry to bother you but... The ballot that was sent to all of us (BALLOT FOR VOTING DELTA CLASS 5 NON-CONVENIENCE CLASS RETIREE CLAIMS) had my revised med claim of $19,778(increased from $4200 which I objected to). On the ballot I voted to "accept" the plan which was the section right below the stated $19,778. If I voted to accept the plan would that not indicate that I no longer had an objection to the amount? I go on the road for 7 days today and am a little concerned that the med claim check hasn't shown up. Only got the other checks two days ago. Maybe it will show up today. Called BSI and they are swamped, no luck there. Mike 6-13-07 (02) Mark, Please disregard e-mail just sent to you by me. I "did the math" with the 44% figure I saw in your e-mail and my amounts are right on. I was certainly hoping their might be more but it wasn't going to be much more for me anyway. Glad to have it behind me. Thanks for all your help. Mike +++++++++++++++++++++++++++++++++++++++ 6-13-07 Mark Sorry for being so dense but part of this sounds different than what I had heard. Reference the PREBANKRUPTCY payment. Wasn't that supposed to be cash (about one month's NQ payment) and about one years NQ payment in stock as the prebankruptcy settlement. I have received only the one post bankruptcy stock deposit into my fidelity account and no information (pay stub) from delta or anybody else. Vic Well, there is an admin claim that you may be a party to. Read above and become pro-active about at least getting your stubs. +++++++++++++++++++++++++++++++++++++++++ Fidelity Login problems: 6-13-07 My good friend John A. has been forwarding the great and informative info. that you have been providing. As so many of us have been left in the dark, it is releiving to know that there are others out there. So please put me on your list of many to send these informative messages to. I just encountered a situation that may be of interest to some of your readers.Recall the "corporate" accounts. Mine has not been changed. Neither have I been able to access a Fidelity account. It appears that Delta set up my account, password and ID# , with a promise that I would receive a packet containing all of this information. As of today, I have nothing. After 4 days of contacting Fidelity, I find that I have an individual account set up in my name. However, I cannot access or activate it without a password or ID #. As I obviously don't have anything else to do with my time, I will just keep chasing it in order to have access to my account. Anyone out there getting more broken promises and lack of getting the promised packets of info? PS In order to access Fid. web site, you must have pin and Id. as it was already established, I cannot log on. Editor's comment: Thanks so much for sharing and get on my email list......its FREE!  HYPERLINK "http://rsp.homestead.com/Emaillist.html" RSP SignUp _________________________________________________ TRAVEL Section:  HYPERLINK "http://www.ytbtravel.com/rsp"   HYPERLINK "http://www.ytbtravel.com/rsp" INCLUDEPICTURE "../../../../../YTB_RSP_Travel/Images/RSP%20Travel%20Header.JPG" \* MERGEFORMAT  _______________________________________________________________ HUMOR: (not so funny item; thanks David) Modern Parable. A Japanese company ( Toyota ) and an American company (General Motors) decided to have a canoe race on the Missouri River Both teams practiced long and hard to reach their peak performance before the race. On the big day, the Japanese won by a mile. The Americans, very discouraged and depressed, decided to investigate the reason for the crushing defeat.A management team made up of senior management was formed to investigate and recommend appropriate action. Their conclusion was the Japanese had 8 people rowing and 1 person steering, while the American team had 8 people steering and 1 person rowing. Feeling a deeper study was in order, American management hired a consulting company and paid them a large amount of money for a second opinion. They advised, of course, that too many people were steering the boat, while not enough people were rowing. Not sure of how to utilize that information, but wanting to prevent another loss to the Japanese, the rowing team's management structure was totally reorganized to 4 steering supervisors, 3 area steering superintendents and 1 assistant superintendent steering manager. They also implemented a new performance system that would give the 1 person rowing the boat greater incentive to work harder.It was called the 'Rowing Team Quality First Program,' with meetings, dinners and free pens for the rower.There was also discussion of getting new paddles, canoes and other equipment, extra vacation days for practices and bonuses. The next year the Japanese won by two miles. Humiliated, the American management laid off the rower for poor performance, halted development of a new canoe, sold the paddles, and canceled all capital investments for new equipment.The money saved was distributed to the Senior Executives as bonuses and the next year's racing team was out-sourced to India . Sadly, The End. Here's something else to think about: Ford has spent the last thirty years moving all its factories out of the US , claiming they can't make money paying American wages. TOYOTA has spent the last thirty years building more than a dozen plants inside the US.The last quarter's results: TOYOTA makes 4 billion in profits while Ford racked up 9 billion in losses. Ford folks are still scratching their heads. IF THIS WASN'T SO TRUE IT MIGHT BE FUNNY ++++++++++++++++++++++++++++++++++ Thanks Dave A Florida senior citizen drove his brand new Corvette convertible out of the dealership. Taking off down the road, he pushed it to 80 mph, enjoying the wind blowing through what little hair he had left. "Amazing," he thought as he flew down I-75, pushing the pedal even more. Looking in his rear view mirror, he saw the state trooper behind him, blue lights flashing and siren blaring. He floored it to 100 mph, then 110, then 120. Suddenly he thought, "What am I doing? I'm too old for this," and pulled over to await the trooper's arrival. Pulling in behind him, the trooper walked up to the Corvette, looked at his watch and said, "Sir, my shift ends in 30 minutes. Today is Friday. If you can give me a reason for speeding that I've never heard before, I'll let you go." The old gentleman paused. Then said, "Three years ago, my wife ran off with a Florida State Trooper. I thought you were bringing her back." "Have a good day, Sir," replied the trooper _________________________________________________ That all for this RSP issue! Until next time. 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