Capitol - Your Illinois News Radar » *** UPDATED x1 *** Pension savings explained
SUBSCRIBE to Capitol Fax      Advertise Here      Mobile Version     Exclusive Subscriber Content     Updated Posts    Contact
To subscribe to Capitol Fax, click here.
*** UPDATED x1 *** Pension savings explained

Thursday, May 31, 2018

* Click the pic for a larger image of these internal legislative dot points

I’m told the savings were calculated by the pension funds’ actuaries.

*** UPDATE *** From Rep. Mark Batinick (R-Plainfield)….

There are a lot of misconceptions about the pension buyouts. Let me clarify a few things:

Is the only savings the “haircut” annuitants take to get the lump sum?

    No. Depending on the system, we have an expected rate of return of 7-7.25%. Therefore the unfunded portion of the shortfall grows at that amount each year. By bonding to buy people out of the system we are saving interest costs because we can sell bonds at less than 7% right now. The spread between 7-7.25% and whatever we sell the bonds for is additional long term savings.

Will anyone take the buyout?

    When I introduced HB4427 in Jan 2016, buyouts had only been done in the private sector. But since then, Missouri passed a bill very simliar to the HB315 I filed last Jan. That bill is for vested inctives. In Missouri there was a 22% take-up rate. That is the take-up rate that is being used.

What is done with the money?

    It does need to be rolled into a qualified retirement account. It will not be immediately taxed by the Feds. But, once it is in the account the annuitant can do with it whatever it wants to do.

What about negative-selection?

    The reason there is a “time-window” for these buyouts is to limit negative selection. People have to decide quickly. Plus, at a haircut of 30%-40% we would have to have a whole bunch of sick people in the state to have to plan lose money.

- Posted by Rich Miller        

  1. - wordslinger - Thursday, May 31, 18 @ 9:44 am:

    I’m guessing the demand for pension buyouts is way over-estimated, just like the private school scholarship tax credit.

    The circumstances where a buyout favors the pensioneer are quite narrow.

  2. - Travel Guy - Thursday, May 31, 18 @ 9:48 am:

    The savings is way overestimated and minuscule in relation to the overall system debt. But it’s an election year, so everyone needs the sound byte for their commercials.

    In the long run, this legislation has the potential to seriously depress already low wages in Illinois public schools. What kind of talent do they expect to draw in some areas of the state where wages start around 30k and can only grow by 3% each year?

  3. - a drop in - Thursday, May 31, 18 @ 9:52 am:

    Will the buyouts be taxed as ordinary income?

  4. - Spliff - Thursday, May 31, 18 @ 9:53 am:

    How many years did it take to be vested for the tier 1 people and what kind of deal would this be for them?

  5. - 360 Degree TurnAround - Thursday, May 31, 18 @ 9:53 am:

    Who wants 60% of what they could get? I don’t go to a restaurant and buy food, but tell them to give me 60% of what I ordered.

  6. - Pot calling kettle - Thursday, May 31, 18 @ 9:56 am:

    So, they raise teacher salaries and then penalized schools for raising teacher salaries. Got it.

  7. - JS Mill - Thursday, May 31, 18 @ 9:57 am:

    Good luck with enticing anyone to take them up on any of these options.

    60% of the value for inactives? That is only a deal if it is more than what they put in which they can get 100% of less taxes.

    If I understand correctly the 3% only applies to end of career increases. Which, in current times could be less than CPI which is awfully sweet of them. /S

  8. - Arthur Andersen - Thursday, May 31, 18 @ 9:58 am:

    You know, we didn’t hear a peep about that billion dollars in new debt that goes along with the pension “savings” until the skids were well greased for this clinker of a deal.

    word, the buyouts may prove to be even less appealing when folks learn their proceeds can only be rolled into an IRA or similar tax-advantaged account, not used to buy a bass boat.

  9. - Thoughts Matter - Thursday, May 31, 18 @ 10:01 am:

    I would think it would not be subject to Illinois tax as it is still described as a pension benefit. However, I would also think it could result in a higher federal tax rate due to the lump sum causing one to cross tax rate boundaries.

    Any savings basically comes from the annuitant receiving less money overall, correct?

  10. - Anonymous - Thursday, May 31, 18 @ 10:02 am:

    == How many years did it take to be vested for the tier 1 people and what kind of deal would this be for them? ==

    Vest in 8 years. They take a 30% haircut.

  11. - Thoughts Matter - Thursday, May 31, 18 @ 10:02 am:

    Never mind about the federal tax issue.? The IRA type requirements should negate that.

  12. - Swift - Thursday, May 31, 18 @ 10:06 am:

    There may not be many who opt for these pension modifications, but they at least seem to be reasonable offers of consideration as opposed to the ‘agree to this reduction or you’ll never get a raise’ plans. Although a small step, it is a step in the right direction, and more importantly likely to survive a court challenge.

  13. - SSL - Thursday, May 31, 18 @ 10:06 am:

    The only advantage to taking a lump sum is if you are in poor health and don’t expect to live for an extended period, or if you believe your future payments could be at risk.

    Perhaps the federal government would decide to let states declare bankruptcy, as municipalities can do today. May seem unlikely, but the federal government doesn’t want to be on the hook to bail out fiscally mismanaged states, like Illinois. That would make some pensioners a little nervous. Since states like Illinois are unwilling or incapable of addressing their fiscal disasters, the federal government should seriously start exploring this option.

  14. - Last Bull Moose - Thursday, May 31, 18 @ 10:06 am:

    I would like to know how the actuaries dealt with adverse selection. I would expect those with a short expected life span to take the buyout.

  15. - Sparky791 - Thursday, May 31, 18 @ 10:11 am:

    I am curious about what they do if employees already have agreement in place with employers. For example, a teacher who is in fourth year of four year pension spike. Many districts have type of incentive in place. Any ideas?

  16. - Blue Bayou - Thursday, May 31, 18 @ 10:24 am:

    RNUG should guest post on this issue.

  17. - the Patriot - Thursday, May 31, 18 @ 10:26 am:

    I have suggested pension buyouts for a long time, “its my money and I want it now.” There are two problems, people take the money, blow it, then go on state aid. Shift from one state obligation to another.

    Two, in dealing with this issue on a regular basis, I can tell you with absolute certainty the State of Illinois does not have people employed that are intellectually capable of properly handling this.

  18. - Arthur Andersen - Thursday, May 31, 18 @ 10:26 am:

    Sparky, current agreements are exempt from the 3% cap (they stay at 6%) until expiration.

  19. - Pot calling kettle - Thursday, May 31, 18 @ 10:32 am:

    BTW, there is no way to know which years will be the last before retirement, so the cap will be applied to everyone (as was the 6%).

  20. - Occam - Thursday, May 31, 18 @ 10:39 am:

    == I am curious about what they do if employees already have agreement in place with employers. For example, a teacher who is in fourth year of four year pension spike. Many districts have type of incentive in place. Any ideas?==

    Short answer: Districts with contracts containing end of career salary spikes will incur the fairly onerous excess compensation TRS penalties.

  21. - Former Resident - Thursday, May 31, 18 @ 10:44 am:

    I’m no actuary, but it looks like this plan saves $.5 B by borrowing $1 B. I think I remember an episode of Leave It To Beaver where Eddy Haskell used similar reasoning to pay his credit card bill.

  22. - Juice - Thursday, May 31, 18 @ 10:48 am:

    Occam, that’s incorrect. The legislation excludes all existing contracts.

  23. - kitty - Thursday, May 31, 18 @ 10:50 am:

    As long as current State employees have an option to retain the level of retirement benefits available when they joined a given retirement system, no problem legally. The choices provided will not benefit the vast majority of vested Tier 1 employees.

  24. - GA Watcher - Thursday, May 31, 18 @ 10:57 am:

    SSL: states can only authorize municipalities to declare bankruptcy. Only about half of them have done that. Illinois does not allow it.

  25. - Anonymous - Thursday, May 31, 18 @ 11:01 am:

    == RNUG should guest post on this issue. ==

    Most all ‘ve f it has been proposed before and I’ve covered it before. Also, anon at 10:02 was I.

  26. - RNUG - Thursday, May 31, 18 @ 11:07 am:

    Translation: Moody’s believes the pension savings won’t happen, so don’t recalculate this year’s contribution

  27. - A Jack - Thursday, May 31, 18 @ 11:08 am:

    The interesting thing about the COLA buyout is that it is money you can leave to your heirs. Right now heirs only get whatever is left of your contributions.

    You may also want that lump sum as an insurance policy in the unlikely event the feds do allow state bankruptcy. I don’t think state bankruptcy will ever happen except maybe in an alternate universe where Donald Trump could be elected President.

  28. - Arthur Andersen - Thursday, May 31, 18 @ 11:13 am:

    “But once it is in the account the annuitant can do with it whatever it wants to.”

    That sentence sounds like it was written by a Luckybot 3000.

    Yeah, “it” technically can do “whatever,” but not without major tax consequences.

  29. - RNUG - Thursday, May 31, 18 @ 11:17 am:

    If it is allowed, rolling the lump sum to the State’s 457 Deferred Comp (SERS) might make a bit of sense. You can take money out of that 457 any time / any age after you leave government service. Still be federally taxed at withdrawal.

    The other possibility would be if it qualified to move into a Roth IRA. Don’t think it would unless you paid Fed taxes on it.

    I’d advise current employees against taking this deal, but if they do, get competent retirement planning and tax advice first.

  30. - City Zen - Thursday, May 31, 18 @ 11:19 am:

    ==I don’t go to a restaurant and buy food, but tell them to give me 60% of what I ordered.==

    Unfortunately, Illinois has been the Cheesecake Factory of pensions.

  31. - Arthur Andersen - Thursday, May 31, 18 @ 11:25 am:

    Huh. The “making money off positive arbitrage” benefit sure didn’t come up yesterday.

  32. - Six Degrees of Separation - Thursday, May 31, 18 @ 11:39 am:

    Last year Batnick said there were about 60,000 “pension inactives” in the state who are vested but no longer working for the state or retired, so they are counting on about 13,000 taking this deal. I think that’s the same or more # who took the last ERI in 2002.

  33. - Six Degrees of Separation - Thursday, May 31, 18 @ 11:43 am:

    Actually, 11,039 took the 2002 ERI.

  34. - RNUG - Thursday, May 31, 18 @ 11:55 am:

    One report had the State counting down n 22% of active Tier 1 take ng the AAI buyout.

    Don’t see it happening.

  35. - Nanker Phelge - Thursday, May 31, 18 @ 11:56 am:

    A gambling establishment, when establishing a new “game”, is going to set it up so that the house wins. The same is true, I believe, with these pension buyouts. Using the best information available and experienced and smart actuaries, the State (we hope) created these pension buyouts so that the house wins. Otherwise, what would be the point in making these offers? I can’t see that there would be too many win-win situations here. Anyone considering these buyouts should proceed with caution and do his homework well.

  36. - Anonymous - Thursday, May 31, 18 @ 12:44 pm:

    They should have an ERI

    Buy time and retire earlier

  37. - Markus - Thursday, May 31, 18 @ 12:47 pm:

    “Is the only savings the “haircut” annuitants take to get the lump sum?
    No.” I’d argue YES.

    “Depending on the system, we have an expected rate of return of 7-7.25%. Therefore the unfunded portion of the shortfall grows at that amount each year.”

    This is only true if you do not appropriate the actuarily required annual contribution. The unfunded liability grows based on the difference of the projected return on investment versus the actually realized return if it is less than projected (which it is). Unfunded liability is further compounded by inadequate annual actuarially required contributions. Bonding mitigates the annual underfunding to a certain degree but merely shifts the burden of payment to the bond obligation pot.

    “By bonding to buy people out of the system we are saving interest costs because we can sell bonds at less than 7% right now. The spread between 7-7.25% and whatever we sell the bonds for is additional long term savings.”

    Not really, as mentioned bonding merely mitigates some of the compounding effect from inadequate
    annual actuarially required contributions. If the spread argument was valid, we should bond out the entire underfunded liability and argue about where to spend the windfall. Bonding is like taking out a home equity loan to pay bills you have been neglecting for a long time. It may be the responsible thing to do but when your pension bills are not accruing interest payments, you are not saving any money other than the haircut on principle payment the pensioner is owed.

    Any “savings” derived from bonding result from recovering actual annual returns on investment of the actuarially required contribution forfeited by inadequate funding versus the annual bond interest payment and issuing costs for the bonding.

    An unrealistically high projected return on investment artificially lowers unfunded liability and artificially increases projected savings for this plan. That said, making good on your obligations is the right thing to do.

  38. - Anonymous - Thursday, May 31, 18 @ 1:20 pm:

    *Markus* “your pension bills are not accruing interest payments”

    Our unfunded pension liability is accruing interest. Most of our pension payment is interest. Our ongoing cost is only a couple billion.

  39. - Annoyance - Thursday, May 31, 18 @ 2:04 pm:

    Reduction doubtful too many interest look at SbB119,no savings there just an ilusion of a cut with a major gain.

  40. - illinifan - Thursday, May 31, 18 @ 2:21 pm:

    RNUG maybe you know this in relation to a lump sum and Social Security rules. Under current rules the benefit from the government pension and there is no Social Security or limited Social Security contribution could result in a reduction or elimination of spousal benefits through Social Security. If a person takes the lump sum and did not contribute to Social Security will the lump sum receipt negate the impact of Government Pension Offset/Windfall Elimination Provision under Social Security rules or would this still be a factor?

  41. - Markus - Thursday, May 31, 18 @ 2:49 pm:

    *Anonymous*- You are confusing the calculated future pension payment obligations with “interest”. There is no interest owed on the unfunded liability. The pension liability is the amount owed to each pensioner calculated over their projected lifespan. None of that amount is interest. The unfunded liability is the difference between the total amount owed and the balance residing in the pension funds. Again, none of which is interest. Projected return on investment for the pension fund balances is part of the calculation to determine the current pension fund balances required for the pension plan to be considered fully funded.

    What you are considering as “interest” is really the compounding effect of not paying your bills. That includes the principal amount never paid when due and the forfeited additional value that principal would have earned if the pension payment obligation was paid when due and invested.

  42. - RNUG - Thursday, May 31, 18 @ 2:54 pm:


    I don’t know for sure. The various offset rules can get complicated.

    You will remember that I do advise people to get professional advice on those kinds of issues and tax implications.

  43. - RNUG - Thursday, May 31, 18 @ 2:58 pm:

    == Our unfunded pension liability is accruing interest. Most of our pension payment is interest. ==

    While everyone refers to it as interest, it is actually lack of investment returns due to the missing capital that wasn’t there to invest. And that is the majority of the annual State payements to the 5 pension funds.

  44. - illinfan - Thursday, May 31, 18 @ 3:15 pm:

    Took a look at SSA POMS and it may not negate GPO/WEP. Like you said RNUG it is complex. If folks take the lump sum like RNUG says talk to experts as this could be a major pitfall (no monthly benefit/no AAI/no Social Security).

  45. - Anonymous - Thursday, May 31, 18 @ 3:30 pm:

    It’s simple
    If the state is in favor for it and it saves the state money…
    Then it’s bound to bad for the employee
    Money saved to the state is money taken from the employee

  46. - RNUG - Thursday, May 31, 18 @ 3:43 pm:

    == Took a look at SSA POMS and it may not negate GPO/WEP. ==

    Hate trying to figure it out from policy guidelines and administrative rulings. Rarely seems to be black or white. Probably won’t happen, but if it was me, I would try to get any interpetation from the SSA in writing.

  47. - revvedup - Thursday, May 31, 18 @ 5:54 pm:

    Here’s a curve ball on the ‘consideration’ issue: by forcing retirees to take a 40% cut to their pension funds being released early, the State is still diminishing or imparing the retirees pensions. The State is trying to have its cake and eat it too. Now if the State refunds 100% of all employee contributions it might have a leg to stand on by arguing that they allowed voluntary withdrawal from the affected pension plans. Otherwise it’s back through the courts again with the same answer highly likely.

  48. - Rich Miller - Thursday, May 31, 18 @ 6:09 pm:

    ===by forcing retirees===

    It’s voluntary.

  49. - Joliet Orange Sox - Thursday, May 31, 18 @ 11:19 pm:

    People are focusing on the haircut which is optional. The real killer here is the spike cap moving to 3% from 6%. Many districts have applied the 6% cap to all salaries since one can’t be sure who is retiring. In districts with a salary schedule (most districts), the cap is applied to the total salary increase which includes both the COLA applied to the entire schedule and the step for those receiving it. With the cap changing to 3%, it is hard to see how step increases can continue if district view the spike cap as a cap on all raises (as many have with the 6% cap). This means that a new teacher will just get 3% raises maximum even if they get promoted or get an additional degree. There will be almost no way for a teacher starting in the future to make a good middle class living 30 years from now. These people who be most hurt by this cap are not even Tier 1 employees so they are going to be punished to save money on pensions that they already were never going to be eligible for. I really think lawmakers have not thought through the unintended consequences of the “spike cap”.

  50. - City Zen - Friday, Jun 1, 18 @ 9:09 am:

    Joliet - Most teacher contracts state these 6% salary increases are available only after the teacher provides an irrevocable, advance written notice of an intent to retire. Any other raises should not be impacted by this.

  51. - Arthur Andersen - Friday, Jun 1, 18 @ 9:19 am:

    Joliet, in short, you are completely wrong. The salary caps, now and prospectively, only apply if a school year’s salary is going to be included in the final average salary for pension calculation purposes. The entire idea behind offering the 6% payments is to encourage teachers to provide the district with the longest possible advance notice of their intent to retire.

  52. - City Zen - Friday, Jun 1, 18 @ 9:38 am:

    ==encourage teachers to provide the district with the longest possible advance notice of their intent to retire.==

    Why school districts need a 2-4 year notice to fill a vacancy is another matter…

  53. - revvedup - Friday, Jun 1, 18 @ 9:50 am:

    To my - revvedup - Thursday, May 31, 18 @ 5:54 pm (and Rich’s reply): Yes, the withdrawal from pension plan is voluntary, and upon further review, I argued the wrong point.

    My correction, which may still get the State dragged into court, involves the 40% “haircut”. Now the example: If I want, I can withdraw 100% of my IMRF* contributions, and I forfeit my right to a pension. Why should State employees be denied the same right to 100% of their contributions?

    *IMRF covers non-State (municipal) employees, and the State only gives IMRF an operating appropriation; the State does not contribute to the pension fund.

  54. - Ed Equity - Friday, Jun 1, 18 @ 1:14 pm:

    Wordslinger — not sure where you get that tax credit scholarship demand is overestimated when there are over 60,000 kids who applied for them. These are hard facts, recorded through online portals. Parents want the best option for their kids and it is a no-brainer that just like all of us, low income parents too want access to quality private schools too.

  55. - Joliet Orange Sox - Friday, Jun 1, 18 @ 2:50 pm:

    I am basing my previous comment on my experience, yours may be different. I have led negotiations for an IFT Council several times. We have had no real issues with the 6% spike cap for teachers who are planning to retire. However, the district has been very concerned about ANY teacher getting more than a 6% overall raise. Talking to the local, this happens at many districts. I understand the intent of the law is only limit those teachers who are in their final four years. The problem is that the district can honestly say it is hard to know with certainty that someone is not in their best 4 consecutive years. I understand the circumstances under which a 35 year old is in his/her best 4 consecutive years to count toward a pension are rare but the district can point out that those circumstances do exist. If you are in a district that has not had the board and administration very concerned about the 6% rule (soon to be 3% rule) for all teachers, consider yourself fortunate.

TrackBack URI

Post your comment... And please take a half second to come up with a nickname. It makes following the posts easier for everyone... Thanks

In other words, do your best to be civilized and smart.

* Former 'Chicago Tonight' host Elizabeth Brackett has died
* Reader comments closed for the weekend
* DHFS interim director chosen to replace Norwood
* Blandford named Executive Mansion Curator
* M-E Dems back Madigan's handling of #MeToo allegations
* The Cook County-est news items of the week
* Stones, glass houses, etc.
* THIS JUST IN: Tabares to become to new 23rd Ward alderman
* P. Scott Neville, Jr. sworn in as Illinois Supreme Court justice
* *** UPDATED 3x *** Rauner claims unpaid bills at $10B when he took office
* Rauner's office responds to flood waters questions
* McCann talks supporting Trump, Rauner buying GOP
* Yesterday's stories

Visit our advertisers...






* McHenry Township officials send letter to Gov. .....
* Savanna-Sabula bridge dedicated to honor local .....
* Rauner pledges $5000 to Freedom Run..
* Rauner to consider allowing medical cannabis fo.....
* Illinois pharmacies pushing for more data on Me.....
* Aurora holds first-ever pride parade..
* All systems go for a celebration: Governor join.....
* Aurora's First Pride Celebration..
* Illinois to fund Medicaid preventive dental ser.....
* Aurora's 1st Pride Parade draws thousands..

* Midwestern states endure flash flooding, heat wave
* New organization that honors black firefighters to open
* Rauner names curator for newly remodeled governor's mansion
* William Shatner captains bitcoin mining farm in Illinois
* Peoria man killed in auto race in Canada
* Plan would turn old Illinois library into craft distillery
* Chicago is in for a dangerously hot day
* EXCHANGE: Community reacts after college announces closing
* EXCHANGE: Business club to end so charities can get checks
* Parkland students, activists registering voters in Chicago

* Rauner to consider allowing medical cannabis for opioid patients
* Bipartisan work yields gun bills, fate rests with Rauner
* Rauner names Justin Blandford curator of Governor's Mansion
* Rauner names Williamsville woman interim HFS director
* Both Rauner and Pritzker have donated to Mansion renovations
* Both candidates for governor have donated to Mansion renovations
* Illiopolis boy helps push bill to cover hearing aids for kids
* Under the Dome Podcast: AFSCME lawsuits everywhere, #MeToo fallout, governor ad war
* Rauner says more ads coming like one featuring other Republican governors
* Madigan aide ousted in harassment scandal responds to accuser

* Roskam's intriguing immigration move
* Apple partners with Oprah for original content push
* Rush hospital: The feds' star system has been wrong for two years
* Why's it so hard to reform an industry that routinely overcharges its customers?
* A year after CIBC deal, 'I'm having fun,' Larry Richman says

* Boy, 16, grazed by bullet in Lawndale
* Man shot in his shoulder near Humboldt Park
* Dear Abby: Husband’s refusal to adopt breaks my heart
* Cubs test NL mettle with 7 of next 11 against defending NL champs
* CPD officer involved in ATV crash on Lake Shore Drive bike path
* 3 shot in Little Village
* Horoscope for June 18, 2018
* Man shot in head, killed in Marquette Park
* Missing girl, 14, never returned home from school: police
* 2 feared dead after earthquake hits Osaka in western Japan

* 3 dead, dozens injured by quake in Osaka in western Japan
* Laura Bush: Separating children from their parents at the border 'breaks my heart'
* Cubs blanked 5-0 by Cardinals as Javier Baez leaves game with bruised elbow
* New Jersey art festival on verge of being shut down when shots rang out, killing 1
* Fight intensifies over Trump's family separation policy after Democrats visit detention facilities
* Former U.S. players not cool with Landon Donovan championing Mexico
* ‘Westworld’ Episode 9 recap: 5 things to know about ‘Vanishing Point’ and William’s life outside the park
* ‘Claws’ Episode 2 recap: 5 things to know about ‘Cracker Casserole’ — from Florida with love
* Elizabeth Brackett, longtime 'Chicago Tonight' reporter, dies at 76
* Pedro Strop says 2018 Cubs bullpen is the best he has been a part of

» Dad-isms: Jokes and Lessons Our Fathers Taught Us
» Parkland Survivors Join Chicago Youth, Celebrities At St. Sabina's Peace March
» Why Don’t Chicago Beaches Have A Poop Threshold?
» Furniture From Closed CPS Schools Ends Up In Surprising Places
» Students Go Back In Time To Record On Machine That Democratized Music
» State Week: AFSCME Contract; Abortion Court Fight; Former Madigan Staffer Responds To Accusations
» Durbin OKs State Senator McCarter for Kenya Ambassadorship
» Durbin Backs State Senator McCarter for Kenya Ambassadorship
» WBEZ’s Chicago And Illinois News Roundup: June 15, 2018
» The Week in Review: Musk Promises 12-Minute O’Hare Express

* George Will: Congress suffers arthritic knees from genuflecting to presidential power
* Rauner to consider allowing medical cannabis for opioid patients
* Bipartisan work yields gun bills, fate rests with Rauner
* Bernard Schoenburg: Gov. Rauner owns Sangamon farmland — with somebody
* Bernard Schoenburg: Rauner owns Sangamon farmland — with somebody
* Angie Muhs: New reporter will focus on local business coverage
* Our View: City should not put competing township referendum on ballot
* Faith Coalition for the Common Good: Leaders impact lives of homeless
* Statehouse Insider: Illinois second to Missouri again
* Thom Dammrich: The Modern Fish Act — Good for Illinois

* Folks fly (and drive) to the Marshall County Airport for Father’s Day
* Bacon Sunday shares top billing with Father's Day at New Life Church
* Excessive heat warning extends through Monday evening
* Ride the River: Families gather for Father's Day tradition
* Steam bath weather ideal for convertibles, bad for everything else
* Duo look to make over Main Street one step at a time
* UI Open:Championship Round
* Tazewell, Woodford marriages, divorces: June 17, 2018
* Random Acts of Kindness: A stuffed animal and a smile

* Asian markets down as trade war heats up
* The Latest: More than 210 injured in Osaka-area earthquake
* Giuliani says Trump may consider pardons after Russia probe
* In DC primary, minimum wage is the main topic of discussion
* Injured former Cambodian PM Ranariddh sent to Thai hospital

* Pravin Varughese murder: Indian-American m...
* Congressmen aim to give Route 66 Historic ...
* Rep. Lipinski Holds Lockport Senior Fair
* Parkland survivors, local students support...
* Michelle Pfeiffer Had Doubts Before 'A...
* New 'Ant-Man and the Wasp' Trailer...
* Everything In The MCU Has Led To 'Ant-...
* Parkland students and anti-violence activi...
* Parkland students make political point in ...
* Father's Day protests decry immigratio...

* Trump tweets Dems and GOP should get toget......
* Concourse Capital Management Trimmed Amc E......
* Principal Financial Group Stake in Sinclai......
* Putnam Fl Investment Management Co Has Lif......
* As Sinclair Broadcast Group (SBGI) Share V......

* Our view: GOP group spot on in recent Blag......
* "Senator Tammy Duckworth …&quo......
* hapas...
* Where is duckworth...
* Stupid Tammy...

* Summertime, when living is easy, and some see chance to justify strip joint
* Father's day "heteronormative"?
* ​Affordable Learning Exchange works to increase access by reducing costly course material: Goal is to save students $10 million by 2020
* Take that leukemia: Andrew Jones cleared to take online classes, move into dorm
* Here’s How Higher Education Dies
* Harvard Hosts 60-Year Curriculum Symposium
* Startup Uses AI and Human Augmentation for Video/Audio Transcription
* 6 Reasons Blended Learning Works
* An Inside Look at Online Carding Courses for Cybercriminals
* eLearning for Refugees: Three Programs Making a Difference

* Multi-State Salmonella Outbreak Linked To Cereal
* Illinois 89 Bridge in Spring Valley Opens to Traffic
* Gov. Rauner announces release of funding for Department of Agriculture programs
* Gov. Rauner, Lt. Gov. Sanguinetti provide update on efforts to combat opioid epidemic

* OxygenOS 5.1.8 for OnePlus 6 optimizes call quality
* ​Google eyes billion-dollar Chinese market with $550m investment
* ​LG Uplus launches IoT for bathrooms with Wi-Fi bidet toilet
* Canceled Samsung 'Project V' foldable smartphone leaks in images
* South Korea's Toss raises $40m from GIC, Sequoia China
* Final Fantasy XIV Companion App slated for late July release
* Optus apologises for World Cup streaming as Australian PM asks for assurances

* White Sox: Reviewing the team after 70 games and 24 wins
* MLB roundup: Tigers beat White Sox 3-1 for 5th straight win
* White Sox Minor League Update: June 17, 2018
* White Sox Minor League Update: June 17, 2018
* Indians welcome back Alonso vs. White Sox
* Most Essential White Sox Vote: Round 29
* Most Essential White Sox Vote: Round 29

Main Menu
Pundit rankings
Subscriber Content
Blagojevich Trial
Updated Posts

June 2018
May 2018
April 2018
March 2018
February 2018
January 2018
December 2017
November 2017
October 2017
September 2017
August 2017
July 2017
June 2017
May 2017
April 2017
March 2017
February 2017
January 2017
December 2016
November 2016
October 2016
September 2016
August 2016
July 2016
June 2016
May 2016
April 2016
March 2016
February 2016
January 2016
December 2015
November 2015
October 2015
September 2015
August 2015
July 2015
June 2015
May 2015
April 2015
March 2015
February 2015
January 2015
December 2014
November 2014
October 2014
September 2014
August 2014
July 2014
June 2014
May 2014
April 2014
March 2014
February 2014
January 2014
December 2013
November 2013
October 2013
September 2013
August 2013
July 2013
June 2013
May 2013
April 2013
March 2013
February 2013
January 2013
December 2012
November 2012
October 2012
September 2012
August 2012
July 2012
June 2012
May 2012
April 2012
March 2012
February 2012
January 2012
December 2011
November 2011
October 2011
September 2011
August 2011
July 2011
June 2011
May 2011
April 2011
March 2011
February 2011
January 2011
December 2010
November 2010
October 2010
September 2010
August 2010
July 2010
June 2010
May 2010
April 2010
March 2010
February 2010
January 2010
December 2009
November 2009
October 2009
September 2009
August 2009
July 2009
June 2009
May 2009
April 2009
March 2009
February 2009
January 2009
December 2008
November 2008
October 2008
September 2008
August 2008
July 2008
June 2008
May 2008
April 2008
March 2008
February 2008
January 2008
December 2007
November 2007
October 2007
September 2007
August 2007
July 2007
June 2007
May 2007
April 2007
March 2007
February 2007
January 2007
December 2006
November 2006
October 2006
September 2006
August 2006
July 2006
June 2006
May 2006
April 2006
March 2006
February 2006
January 2006
December 2005
April 2005
March 2005
February 2005
January 2005
December 2004
November 2004
October 2004

Blog*Spot Archives
November 2005
October 2005
September 2005
August 2005
July 2005
June 2005
May 2005


RSS Feed 2.0
Comments RSS 2.0

Hosted by MCS SUBSCRIBE to Capitol Fax Advertise Here Mobile Version Contact Rich Miller