I write this post with great urgency. The University of California is about to decide on a path that will determine its future, and if the university's employees don't wake up and do some math, there may be no turning back. The basic truth is that the UC administration is misinforming its employees in order to get them to accept a reduction of pay and benefits; however to understand how the university is misleading its workers, one must first comprehend how the system is financed.
In its effort to convince employees that they should either choose a permanent 7% pay reduction or see their retirement benefits be reduced by close to 50%, the UC administration is simply misrepresenting the following issues: 1) why a high level of contributions is currently needed; 2) how the UC has historically funded retirement; 3) what are the most effective ways of dealing with the problem; and 4) how the problem will affect the future of the university. To respond to these issues, we can simply go to the videotape and look at the recent Post-Employment Benefits Town Hall (click here to see the video ).
The first major area of contention is the question of how we got into this mess. The university's simple response is that we were all on a contribution holiday for the last twenty years, and now we are paying the price. It is interesting that by using the term “holiday,” it sounds like we have all been partying, and now not only do we have hangovers, but we have to pay for the damage we all have done to ourselves and those around us. In response to this depiction, we must remember that it is the regents who have ultimate authority over UCRP, and so it is the regents, and not the employees or the state, who are responsible. Moreover, in Nathan Brostrom's Town Hall response to what happened to the pension fund, he does not even mention that the university lost $16 billion in its retirement investments during 2008-09, and he also does not state that it is the regents who have responsibility for these investments. And of course, the administration is turning to the regents to correct the problem after they have caused it.
To counter the fact that investment losses are in part driving the pension’s growing unfunded liability, the university argues that if we never stopped contributing, we would be over-funded. My response to this defense is that, yes, the regents were wrong to stop contributions, but we have to ask, where did the money go that the UC once put into our retirement system? Moreover, even if we did continue our contributions, the regents might have lost funds through high-risk investments.
As a recent study of the UC regents shows, the UC has placed much of its retirement investments in high-risk areas because the regents themselves stand to profit from certain types of investment. Thus, the move to private equity, hedge funds, and real estate was pushed by regents who have strong stakes in these areas. If this true, and no one has been able to disprove it, it is a very scary thought that the same regents will decide the fate of not only our retirement system but the entire UC budget.
Due to the massive investment losses and the failure to continue contributions, the university now faces the strong possibility of having to contribute over 20% of its budget to the pension for the next twenty years. This means that the pension problem is not just a retirement issue, but it is a system-wide problem. We are talking here about a permanent crisis coupled with permanent furloughs. After all, when the UC lost just 1% of its funding during the last two years, the administration imposed layoffs, furloughs, departmental reductions, and a major reduction of spending on instruction. Imagine what will happen when the UC has to put 20% of its budget into the pension program.
This frightening scenario doesn't have to become reality. The UC does not have to reduce its budget, and we can force the regents to do the right thing, but first we must counter several misrepresentations, including how the UC really spends its money.
In terms of pension contributions, we need to remember that only a third of the employer costs comes from the core budget, and the university itself argues that the state is obligated to pay that part. Since only one third of the UC employees covered by UCRP are state funded, the other two thirds of the employer contributions should be paid by the medical centers, external research grants, and other services. This means that even if the employer had to contribute 20% of covered compensation to the plan, it would only really be less than 7% out of the general budget, and if the state paid its share, we would lose nothing from our core budget.
It is also essential to point out that the administration misrepresented the facts during its Town Hall when Duaine Duckett argued that the UC would try to keep the historical contribution split of the employer paying twice as much as the employee. In fact, during the last decade of contributions (the 1980s), the employer contributed an average of 12% and the employees averaged 2.4% (a 5:1 ratio). This division is obviously nowhere near a two-to-one ratio, and so I must declare that the university is intent on lying about the past.
So as many people have asked me, why would the UC lie about this? The simple answer is that they want the employees to feel that they must pay a much higher part of their salary into the system to keep it healthy. However, the more complicated response returns us to how the UC budget works. Currently, most of the budget comes from the medical centers and external grants, and as we have discovered this year, the grants on the whole lose hundreds of million dollars each year , and the medical services make billions of dollars of profits annually. However, as we learned from the furlough fiasco, the medical centers do not want to pay their fair share, and the people being paid from external grants are afraid that if they ask the grant-giving agencies, primarily the federal government, to pay their fair share, the UC will lose many of its grants.
While for the last few years, the university has justified not starting contributions on the grounds that the state has to pay its part in order for the grants and services to pay their share, now we hear that the medical centers do not think they can pay their part even though they had over $5 billion of net profit last year. Due to their enormous wealth, the medical services are not only delaying the employer contributions, but they are calling for a defined contribution plan that the university is now considering.
As several faculty senate committees have argued and some of the unions now support, the first thing that has to be done to stabilize the retirement plan is to fund the full normal cost, which is about 17% of covered compensation. Moreover, we have to start paying down the unfunded liability, and by a total contribution of about 23% for the next several years, we could accomplish both of these goals. If we maintain the historical division of contributions, the university should contribute 19% (roughly a third from the state, a third from medical centers, and a third from grants and other services); meanwhile, the employees should contribute 4% of their salary. If we moved this year to this type of funding level, we would not have to change the retirement calculations or offer a new tier or a defined contribution plan.
Instead of accepting this type of rational funding plan, the UC administration is intent on creating a new system that redistributes wealth to the top, and if employees think that it is only the new employees who will be screwed, please think again. In order to motivate people to opt into the plan in 2013, the university plans to increase the employee contributions to at least 7%, while the new plan will offer a cheaper benefit for a lower contribution level. It is therefore untrue when university officials insist that the new changes will not affect current employees. Furthermore, by creating new plans, you pull people out of the current system, when what we need is more people paying into the common fund.
According to the university’s own account, the new tiers will not reduce the unfunded liability for the next twenty years, and the plan will only become fully funded in thirty years. Their suggested solutions are not only morally unfair, but they do not make financial sense. In one of the typical university misrepresentations, Brostrom simply says “When we look at the next 30 to 40 years, we have too few assets.” The real truth is that no one can predict what will happen with the financial markets in thirty years, and therefore we must have a system where we continue to monitor our investments so that we can readjust our contribution levels. Of course, we also have to make sure we are making the best investment decisions, and this is why the unions have argued for shared governance over the pension plan.
In response to the union coalition’s request for employee representation on the pension investment board, President Yudof wrote that it is unnecessary because the UC has been outperforming its competitors by averaging an 8.9% rate of return during the last twenty years. However, Charles Schwartz has shown that the UC has been underperforming since 2000 when it started to outsource the management of many of its investments. While it may not be a lie to proclaim that the UC has outperformed its “benchmarks,” the question remains concerning the value of the benchmarks UC continues to use for comparison. Moreover, while many large investment funds lost 30% of their value during the global fiscal meltdown, most of these funds used the same questionable practice of moving funds into high-risks assets. What we need for the university to do is to at least acknowledge that their investment policies may have contributed to the under-funding status of the pension plan because without this acknowledgment, it will be impossible to make better decisions in the future.
One possible hope from the PEB Town Hall is that the university promises to listen to the faculty senates, and so it is necessary for faculty to make their voices heard on their local campuses. Faculty have to clearly reject the new proposed plans, and they have to push for a more equitable and effective funding policy. Unfortunately, things are moving fast, and the administration plans to discuss the new changes at the next regents meeting in November and then possibly vote on them in December. If staff, faculty, and unions work together to fight for a better plan, we can reverse the administration’s intended changes.
how are employees at the labs affected or not affected? my understanding is that they enjoy significantly better retirement packages and this has been the case for many years; also they enjoy professional development and fringe like getting their education paid for - not just a discount- but fully funded; and enjoy being paid above market for their skills/job titles.
ReplyDeleteis this true?
if the labs and med centers are so different in how they operate and the packages they offer to employees -- i think that it is very important for staff on campuses to know this information, so that they can fully consider their own interests.
The present day economy is not going at the rate that it ought to be. The budgetary breakdown of 2008 is as yet destroying ruin on the white collar class. In light of this, numerous individuals are attempting to get by. Organizations simply are not contracting the way they used to. This has made a huge spike in unemployment. www.usapaydayloanstore.com/chicago
ReplyDeleteSponsors for autos, charge cards, and numerous other individual credits affection to cite the yearly rate. The Annual Percentage Rate is not the genuine measure of interest you will pay in light of the fact that it does exclude the rate at which the equalization mixes. Hence purchasers ought to dependably take a gander at the Annual Percentage Yield. This incorporates aggravating and will mirror the real sum you pay regarding the advance. auto title loans fresno
ReplyDeleteenjz
ReplyDeleteenjz
enjz
enjz
enjz
enjz
enjz
enjz
enjz
enjz
enjz
enjz
enjz
enjz
enjz
enjz
enjz
enjz
enjz
enjz
enjz
enjz
enjz
enjz
enjz
enjz
enjz
enjz
enjz
enjz
enjz
In the event that you have ended up in a negative value or upside down circumstance with your cruiser don't feel like there is no chance to get out. Quite a few people simply surrender and permit their bicycle to be repossessed and sold off at closeout which just intensifies their issue, now you owe cash on a bicycle that you don't have and can't ride! Payday Loans Corona
ReplyDelete
ReplyDeleteYou will accept paid $75 for your loan. That translates into an anniversary allotment bulk (APR) of 780%. It's actual high, but that's because artful the APR is circuitous and involves not alone the accommodation bulk and the fee, but the aeon of the loan-how continued until you pay it back.
Payday Loans
When I called Sallie Mae for the benefit of Fred, I was exchanged quickly to their accumulations office. I immediately discovered that these are the general population you need to converse with keeping in mind the end goal to get real offer assistance. They have significantly more power to help than the average client administration individual. payday loans
ReplyDelete
ReplyDeleteشركة غسيل كنب بالدمام
شركة تنظيف كنب بالدمام
شركة غسيل خزانات بالدمام
شركة مكافحة حشرات بالدمام
شركة نظافه عامه بالدمام
شركة تنظيف منازل بالدمام
شركة تسليك مجارى بالدمام
شركة غسيل فلل بالدمام
غسيل عمائر بالدمام
شركة نظافة بالدمام
شركة تنظيف موكيت بالدمام
A visit to the Financial Aid Offices on any school grounds can uncover a considerable number of more advance and financing choices to an understudy, not simply understudy advances for terrible credit borrowers. A large number of these choices are given by the schools themselves, through grants, allows and even expense installment plans. cash advance
ReplyDeleteFurther, if an understudy has terrible credit, they may feel disheartened when they apply for an understudy advance from a private loan specialist and are turned down over and over. This exhibits an obstruction to the understudy's yearnings of accomplishing their degree. cash advance
ReplyDeleteGovernment understudy advance alleviation projects are accessible to help account holders evade default status. Contingent upon what kind of credit you have in your portfolio, advance specialists will guide your advances to all qualified help. cash advance
ReplyDeleteFor some families the unprecedented moderateness of a mobile home makes possession a more probable reality in the event that they can't enter the market for customarily fabricated homes. cash advance chicago
ReplyDelete
ReplyDeleteAmazing blog page! It happens to be truly an outdoor not to mention effective bit of advice. Virtually all items need a specific thing to read. Your training is really fantastic not to mention I just understand most people not to mention hopping for a bit of further instructive items. Nowadays follow this Payday Loans Spring-Valley A considerable amount of thanks a lot for the purpose of decent give good results. Keep writing.
This comment has been removed by the author.
ReplyDeletegreat blog.
ReplyDeleteGreat kilt
Awesome blog.
ReplyDeleteWholesale Moxie Martial Arts
تصليح ثلاجات
ReplyDeleteتصليح ثلاجات الكويت
صيانة ثلاجات
فني ثلاجات
تصليح ثلاجات حولي
تصليح ثلاجات توشيبا
Blog Sites
This is really helpful post, very informative there is no doubt about it. I found this one pretty fascinating.
ReplyDeletenorton.com/setup
Fix problems sending AOL Mail
ReplyDeleteMcAfee.com/activate
Canon support for basic issues
Zone Alarm Contact
Games not working? Try these troubleshooting steps
Poppit! Bingo game not working or loading
Trend Micro Security software
DICTATION PROBLEMS IN NATURALLYSPEAKING
Dragon Dictation
Trend Micro not opening
How To Fix Pogo Game Won’t Load or not stacking
Solitaire Game Support
Outlook Support
Roadrunner Email Support
Problem With Panda Antivirus
Quicken Error CC-501 Occurs
Quick Fix to AOL Gold Icon Not Responding Problem
MCAFEE ANTIVIRUS BASIC ISSUES AND ITS SOLUTION
How to Fix Common Webroot Antivirus Problems ?
Avast 2019 on Windows 10 Not Working
Webroot Key-code not working?
Norton Setup
How to Fix Overflow Error in QuickBooks Desktop: Step-by-Step Guide
Outlook is not opening
How to remove Porn Sites pop-up
install kaspersky with activation code
Excel 2010 not responding, hangs, freezes or stops working
Eliminate Microsoft Excel Issues
How do I download and install Lightroom CC?
Pogo Game Is Not Loading
How to install Kaspersky Total Security 19
Kaspersky Error 27300 How To Fix
AOL Gold Won’t Open – How to Fix?
Where to buy an activation code for a Kaspersky Lab product
Solve Adobe Photoshop problems and issues by keeping it up-to-date
What is the best browser to use for Pogo games?
Five fast tips to improve your printing
How to Resolve TurboTax Error Code 65535 “Unexpected Error”?
How to fix printer problems
How to Fix if AVG Installation Gets Stuck?
Shadow Creation is the process to change the color of an image or video..Shadow Creation It means correcting the lighting, white color balance, red or blue color balance, so that the image looks more clear or natural
ReplyDeleteI read the complete post and I love this post. I really thankfull to you. seo expert india
ReplyDeleteVery nice article. I really impressed with your writing skills as well as with the layout of your article. For portrait e-commerce, e-commerce business, Photoshop need clipping path and image masking service making n images pop up provide Clipping Expert Asia. We provide all kinds of high-quality photo services service at a competitive price from
ReplyDeleteClipping Expert Asia. If, you want to take this service then please contact us.
In the modernized world, a great deal of our correspondence happens over email. For this, Microsoft Office.com/setup has Outlook, which is a mind blowing email client and individual executive. Office can be started on www.office.com/setup.
ReplyDeletehttp://officecomcomoffice.com/
office setup downloaded via Office.com/setup is one of the widely recommended encouragement which helps influence and organizations to make and collaborate within option platforms.
ReplyDeleteoffice setup
office.com/setup
office.com/setup
Want to buy expensive stuff but don’t have money. Don’t worry we are here for you with best 1st copy watches, 1st copy sunglasses and 1st copy handbags for you. Smartylooks serving and delivering its best 1st copy branded products to all over India is the best store to buy this stuff. If you are looking for great copy of branded products then we are the one and only one solution.
ReplyDeleteDear admin, Your website is awesome. I’m really impressed by your articles. It’s very helpful for me. Thanks you so much for providing such valuable information Through your article.
ReplyDeleteHow to Office Setup. Go to www.office.com/setup and enter your product key. If you have a previous report of Office or existing Microsoft account, enter your email habitat and password, and click Sign in. Select the Country/Region and Language, and click Continue. On the www.office.com/myaccount page, pick Install.
ReplyDeletehttp://www-officecom.com
When I have visited your blog I did not think that there will be lots of information I will get through your blog. This article is one of the best articles i have ever read, Thank you so much for sharing this useful article with us and all the best for your next blog.
ReplyDeleteIt is one of the best blogs I came across, and it is very informative. Thanks for your information and Keep up the excellent work and wish you for your upcoming articles.
ReplyDeleteDear admin, this is one of the best blogs i have ever read. Through your article I found lot's of useful information, Thank you so much for sharing this article with us and all the best for upcoming post.
ReplyDelete
ReplyDeleteWow, what a great knowledge you have shared admin this is one of the best blogs I have ever read. You are doing amazing work keep it up, and thank you so much for sharing this important and useful information with us and all the best for your upcoming post.
You’re doing great work. This site article is very good. For more information visit on this website.
ReplyDeleteoffice.com/setup
norton.com/setup
www.office.com/setup
office setup
gmail helpline number
It read your article every thing is clear , Thanks for sharing.
ReplyDeletemcafee.com/activate , office.com/setup ,mcafee.com/activate , mcafee.com/activate , office.com/setup
Webroot delivers next-generation endpoint security and threat intelligence services to protect businesses and individuals in a connected world. Manage your security across multiple devices, with any Webroot product. Smarter protection that stops threats in real time to secure businesses and individuals wherever they connect. Download and Install Webroot security on your computer by visit:webroot.com/safe
ReplyDeleteIn the event that you require a competent and expert social affair to illuminate your issues, Contact to norton setup on norton.com/setup.
ReplyDeleteThank you for sharing your thoughts. I really appreciate
ReplyDeleteyour efforts. Fantasy Cricket app development
Growth of a business depends upon how your partners and customers put in their efforts to make the work environment more inclusive.
ReplyDeleteBut the questions still persist that how can we work more effectively in order to empower everyone to raise their standards of creativity?
mcafee.com/activate
ReplyDeleteGo to Office Setup website www.office.com/setup. Sign In to your Microsoft Account Or Create a new Account. Enter your Product key.
Wow, what a great knowledge you have shared admin this is one of the best blogs I have ever read. You are doing amazing work keep it up, and thank you so much for sharing this important and useful information with us and all the best for your upcoming post. www.office.com/setup
ReplyDeleteobat gatal
ReplyDeleteobat gatal mampuh
obat gatal manjur
obat gatal resep dokter
obat gatal anjuran dokter
obat gatal rekomendasi
obat gatal dokter
If you need a best technical support for all printers. You need to contact Lexmark printer support helpline number and it is available 24*7.
ReplyDeleteI really happy found this website eventually. Really informative and inoperative, Thanks for the post and effort! Please keep sharing more such blog.
ReplyDeletenorton.com/setup
www.spectrum.net/login
kaspersky activation
aolmail.com
aolmail.com
mcafee.com/activate
ReplyDeleteProtects against malware , spyware and viruses by identifying suspicious link in website and social networking sites. To Download & Install Trend Micro Internet Security onto your device.
trendmicro.com/homeinstall
McAfee.com/activate helps to activate any McAfee products for PCs, MAC, or other devices. McAfee download setup you can download and activate product key.
ReplyDeleteMcAfee.com/activate
ReplyDeleteActivate McAfee IS Retail card now. Redeem your 25-digit code on McAfee.com/activate. McAfee Antivirus, McAfee Livesafe, McAfee Total Protection, etc
McAfee 25 Digits Activation code
Thanks for all the tips mentioned in this article! it???s always good to read things you have heard before and are implementing, but from a different perspective, always pick up some extra bits of information. Visit@:- mcafee.com/activate | office.com/setup | adviser for you | mcafee.com/activate | mcafee.com/activate
ReplyDeletewww.hulu. com/activate – For hulu channel activation, just start with hulu login or starts with hulu activate guide to watch all your favorite movies, TV shows, news, and live sports just a click away at hulu.com/activate and enter hulu activation code.
ReplyDeletewww.hulu. com/activate – hulu activate guide to watch all your favorite movies, TV shows, news, and live sports just a click away at hulu.com/activate and enter hulu activation code.
www.hulu.com/activate – For hulu channel activation, just start with hulu login or starts with hulu activate guide to watch all your favorite movies, TV shows, news, and live sports just a click away at hulu.com/activate and enter hulu activation code.
If you reach across issues like Login difficulties, Security barriers, Loading Issues, Invalid Password & ID message with your club pogo, then it’s suggested to you contact a reliable pogo game support number , so you can correct these issues immediately.
ReplyDeleteyou always post quality content that help us
ReplyDeleteSattamatka
McAfee activates - Redeem McAfee for downloading & installing the software and activating its subscription. Visit mcafee.com/activate for more.
ReplyDeleteHow to download and install microsoft office on your device. Follow the steps given here. Ms office is best application of microsoft application.
ReplyDeletewww.office.com/setup, office.com/setup, office setup, office 365 setup, install ms office, ms office setup
www.office.com/setup, office.com/setup, office setup, office 365 setup, install ms office, ms office setup,
www.hulu.com/activate, hulu.com/activate, hulu com activate, hulu activate, hulu.com activate, Hulu Activation Code
www.hulu.com/activate, hulu.com/activate, hulu com activate, hulu activate, hulu.com activate, Hulu Activation Code
To activate hulu on roku , you need to download the Hulu plus application on your device. You can also download it on your Roku, Xbox 360, PS3, etc.
ReplyDeleteAs students, you have the ability to download microsoft office on your computer, laptop, tablet, or phone. This guide focusses on providing instructions for computers. For phones and tablets, you can download individual Office apps (such as Word, Excel, etc.) through the App Store or Google Play.
ReplyDeleteadult sex doll available at very low prices. you can get all type of sex dolls.
ReplyDeleteContent is the best way for describe any information with picture and other main point then is best for understanding topic. <a href="https://www.https://www.devilson.com/brand/shop-brand-ktm-motogp-clothing/</a>
ReplyDeleteInformation about the topic really fun and description about topic really technical work henc i like your content. MotoGP Leather Jackets
ReplyDeleteI read your article very very deeply and analysis that you provide really great information. Please share more information related this. Nyc Leather Jackets
ReplyDeleteThe UC regents shows, the UC has placed much of its retirement investments in high-risk areas because the regents themselves stand to profit from certain types of investment.
ReplyDeleteoffice.com/setup
I think these schemes should be made for the benefit of employees.
ReplyDeleteGood and useful information, thanks for sharing it with us
ReplyDeleteIf the status of your canon printer is displayed, "Canon Printer in Error State," your printing machine can have any errors. This mistake is one of the hardest issues that can make you more nervous. There may be several explanations behind this mistake. You can pick us as a trustworthy third party service provider if you do not find suitable solutions. If you face this error again and again, our printer experts are trained and experienced to solve canon printers in error state completely from their sources. To provide urgent assistance for any problems, our helpline number is available 24/7.
ReplyDeleteArginine supplements are vital for strengthening the immune system and maintaining liver health. Also, Arginine supplements are promoted for production of collagen in the human body which in turn results in accelerating the wound healing process. Over the recent past, changing lifestyle and food habits in developing as well as developed regions have resulted in several lifestyle diseases such as cardiovascular disease, chronic kidney disease and diarrheal, among others. In developed countries such as the U.S. and EU-5, exposure to these diseases is prevalent and that, in turn leads to increase in healthcare expenditure that in turn, is expected to drive demand for the Arginine Supplement Market.
ReplyDeleteThis post is very helpful and thanks to share with us.
ReplyDeleteAre you facing QuickBooks Statement Issues or another common QuickBooks Error? Fatal Error: Unable to open statement, when opening Intuit Statement Writer: this issue may be a known as the name of QuickBooks Statement Writer Issues. Experts are available to resolve your QuickBooks issue to make sure basic downtime and continue working your business. First, attempt to resolve the difficulty yourself by trying to find a resolution described below. For More information call us or visit our website.
Way cool! Some extremely valid points! I appreciate you writing this write-up plus the rest of the site is also very good.
ReplyDeleteLightweight Work Coveralls
A Corporate Sales Specialist operating in the Latin American region. We are experts in Mercado Latinoamericano de los Medicamentos Oncológicos Genéricos | Tamaño de la Industria, Participación, Crecimiento, Informe, Análisis 2021-2026, We provide market reports across various industry verticals and also help with procurement and supply chain intelligence. By giving you better insights, we help you make informed business decisions.
ReplyDeleteI really like reading through a post that can make people think. Also, many thanks for permitting me to comment!
ReplyDeleteWe are manufacturer of top quality work coveralls , Work wear Shirts, safety jackets, safety pants with wholesale price at the Pakistan. Al-Ghazali international is the only platform where you can find chefs apron and medical long coats.
We will not sell your information to any other party. Geek squad ensures you that your data is in safe hands. We provide a fully safe and secure service to our client.
ReplyDeleteGeek Squad Appointment
Geek Squad tech Support
Harley Davidson is an Aperilia Leather Jacket seller . Buy the top articles of Harley-Davidson. @ Harley Davidson with free shipping and hassle-free return.
ReplyDeleteHarley Davidson is an Aprilia motorcycle leather jacket seller . Buy the top articles of Harley-Davidson. @ @ Harley Davidson with free shipping and hassle-free return.
ReplyDeleteHarley Davidson is an Aprilia motorcycle leather jacket seller . Buy the top articles of Harley-Davidson. @ @ Harley Davidson with free shipping and hassle-free return.
ReplyDelete
ReplyDeleteArvada Memory Care
Lakewood Memory Care
Meadow Hills Senior Care
Jewell Estates Senior Care
Columbine Acres Memory Care
Indian Tree Senior Care
Federal Heights Memory Care
your phone, you can get a welcome bonus of up to INR 200. Use the Dream11 referral code and earn a bonus.
ReplyDeleteTotally loved your article. Looking forward to see more more from you. Meanwhile feel free to surf through my website while i give your blog a read.
ReplyDeleteblackout curtains dubai
sheer curtains dubai
ikea curtains dubai
We are renowned for being the most accurate technical support provider for Roadrunner, so if you have purchased this device and face some issue in it, then you can just get in-tuned with us. Out at today's Roadrunner technical support phone line.
ReplyDeleteAmazon seller account suspension appeal
ReplyDeleteAmazon seller account suspension appeal
Plug the DAP-1520 into a wall outlet within wireless range of your router. Open the wireless utility on your computer, select the name (SSID) of the DAP-1520 network, and enter the password. Then for dlink dap 1520 setup, open a web browser and enter http://dlinkap.local in to the address bar. You can also use the IP address http://192.168.0.50.
ReplyDeleteIf you're the use of the Samsung printer and want to understand where it is WPS pin. Then this weblog might be beneficial to you. In this, I will speak a few methods in order to help you to find.WPS PIN on Samsung printer.
ReplyDelete
ReplyDeleteYahoo small business is a web platform that helps you to grow your business digitally. you'll use it with none problem albeit you're a beginner because it offers a highly interactive interface that creates it easy to work .yahoo small business login
Totally loved your article. Looking forward to see more more from you. Meanwhile feel free to surf through my website while i give your blog a read.
ReplyDeletemen shearling jacket
women shearling jacket
men shearling coat
women shearling coat
men bomber jacket
women bomber jacket
men suede jacket
women suede jacket
Mobile phone prices are updated daily from Local mobile dealers and markets in Pakistan. We provide latest mobile phone rates, mobile prices in pakistan, specifications, mobile videos, user opinions, mobile games, screensavers, wallpapers, video reviews. See the latest rates / prices of all the cell phones.
ReplyDeleteoneplus
Welcome to Australia’s leading renewable energy information site. Here we provide an opportunity to compare solar quotations coming from top local Compare Solar Quotes service providers near you. We also facilitate the latest information and resources in order to assist you in your purchase of renewable energy and energy-saving technologies.
ReplyDeleteDon’t worry if you are experiencing some issues when making entries in this software as our full Quickbooks Technical support is available to you on your own phone.
ReplyDeleteThis comment has been removed by the author.
ReplyDeleteIt is really very meaning full post and thanks for sharing it. Hi, I am Sofia Vergara, I am working as a tech expert at Yahoo support. I have 3 years of experience in this field. If you have any problems related to Yahoo Mail Not Syncing, etc, then please contact me for instant help related to Yahoo email problems.
ReplyDeleteVery informative and helpful.
ReplyDeleteMen's Biker Leather Jackets
ReplyDeleteThere is an especially part in this article that I couldn't have at whatever point considered taken out. Your substance gives users dazzling focus in a boggling way. Cloudtechtiq is crafted to Ensuring Endpoint Security with Trend Micro Antivirus for companies that want to establish their businesses like a pro.
ReplyDeleteIncredibly insightful and valuable.
ReplyDeletehermes outlet
ReplyDeletebape
gap yeezy
supreme
palm angels outlet