2011 Contribution Limits for the 457 Deferred Compensation Plan

We begin each year by making solemn New Year resolutions. Want to get fighting fit? Or kick a bad habit? Make a New Year resolution. The tricky part is sticking to these resolutions. The stricter the New Year resolutions, the tougher it is to hang on to them. Now is a great time to make commitment that is easy to keep; a commitment to your financial future.

Are you maximizing the retirement savings options available to you through the 457 deferred compensation plan? In 2011 plan participants can contribute up to $16,500 in pretax dollars to their 457 account. Participants who are age 50 or older are eligible for a catch-up provision which allows them to contribute an additional $5,500, for a total of $22,000 in 2011. Although you are automatically eligible for the catch-up provision if you are 50 or older, you will need increase your contributions to utilize the higher limit. Payroll deductions will stop automatically once you hit the annual limit.

To increase your contributions, sign up for an account review, or learn more about retirement planning call the local Nationwide office at 858-569-0295 and ask to speak to a Retirement Specialist.

New Energy-Efficient Ramona Library Opens Its Doors

Members of the public joined County Supervisor Dianne Jacob and County officials Tuesday to celebrate the grand opening of the new Ramona Library, a solar-panel-crowned building in the center of town destined to become a cherished hub of culture and community.

"This beautiful new library is the start of a thrilling new chapter for Ramona," said Supervisor Jacob, who represents the people of Ramona on the Board of Supervisors. "The hard work and collaboration between the community and the County have finally turned the dream of a new library into a reality," Jacob said.

Over 21,000 square feet — and four times as big as the old building — the Tuscan and Southwestern-style Ramona Community Library is an inviting sanctuary with cozy lounge seating and a fireplace. With special spaces including a teen area, a children's space and read-aloud room, community meeting rooms, a homework and tutoring center, and a Poet's Patio for live performances, the library will serve diverse patrons.

"We're so excited to open this rich community center for learning, working and meaningful entertainment in the middle of Ramona," County Library Director José Aponte said.

Public-use computers and free wireless service provide library visitors internet access. Automated checkout stations make it easy to borrow one of the San Diego County Library system's 33 million books, DVDs and CDs.

A model of green building, the new library is expected to become the only library in the County to achieve Gold LEED certification, an international standard for sustainable design. Three solar panels on the roof cover some 5,000 square feet and will produce about 20 percent of the energy the library needs. Inside, patrons can track the library's energy consumption and production on a digital display.

C.W. Driver, Ferguson Pape Baldwin Architects, and Manuel Oncina Architects were the library's design-build team. The project cost about $11.6 million, with $966,000 contributed by the Friends of the Ramona Library.

Animal control officer’s tracking dog passing every test

County animal control Officer Robin Sellers is spending countless off-duty hours helping her German Shepherd Panzer follow his nose. Her goal is to have a pet who’s also a skilled tracking dog making a difference in the community.

Sellers and her 6-year-old canine are proving an elite team. On Feb. 2, Panzer completed a difficult rural tracking course in what may have been record time, earning the American Kennel Club’s rating of “Tracking Dog, Excellent.” Sellers said only about 10 percent of the dogs who attempt it actually earn the title.

 The challenge at Hollenbeck Canyon Wildlife Preserve in Jamul required dogs to follow the scent of a person who hours earlier had walked a winding path on varied terrain that included a muddy creek bed and tall, dry weeds. To confuse the dogs, a few other humans had walked across the fading scent trail. The course was 805 yards long with five turns. Panzer collected four items including a pillowcase and a slipper that showed he followed the course.

With Sellers holding Panzer’s leash and offering encouragement along the way, the dog found the right path with undaunted purpose.

“Every time he comes to a turn you can watch him and his head will come up, and he’ll scent the air, and he’ll make a decision, depending on the wind or weather conditions,” Sellers said. “I’m just the dope on the end of the rope.”

It took Panzer just 8 minutes to finish the course.

“One of the judges said she has never judged a dog who tracked that fast and he may have set a record,” Sellers said.

In March, Panzer will try for the Kennel Club’s top rating, Champion Tracking Dog. In this difficult test at UCSD, Panzer will have to follow a single human scent across terrain that’s been polluted by hundreds or thousands of students.

But Sellers said Panzer’s ready. She’s been working with him intensively to prepare, and he’s already shown he can follow a single person’s scent on the UCSD campus, she said.

If Panzer becomes a Champion Tracking Dog, he’ll be ready to test for FEMA certification, which would qualify him to assist in emergencies nationwide.

 The FEMA certification would also prove Panzer’s ready to volunteer with the County, and Sellers said the dog’s training has always been with the goal of making a difference here.

 In fact, the Medical Examiner’s Office may have a tough but important volunteer position for Sellers and Panzer: helping recover the bodies of people who have died in remote locations.

“My ultimate goal, should I be lucky enough to obtain it, is to help people find closure,” Sellers said.

Up to $1,000 free money may be yours

The federal government wants you to invest for retirement so it’s giving you an incentive – The Saver’s Tax Credit. The income tax credit helps low and moderate income taxpayers save for retirement by reducing their federal tax bills by up to $1,000. If you qualify, the Saver’s Tax Credit gives you a credit on your federal income tax return – just for investing for retirement through your 457 and/or 401(a) plan.

The Saver’s Tax Credit is real money in your pocket, because it is subtracted from what you owe in taxes. Even if it’s more than what you owe, you keep the difference. So if you owe $400 in federal taxes, but you are eligible for a tax credit of $1,000, the federal government will give you $600!

Your eligibility depends on your filing status and your modified adjusted gross income.

This chart helps you find out if you qualify for the Saver's Tax Credit in 2011.

Filing Status/Adjusted Gross Income for 2011

Amount of Credit

Joint

Head of Household

Single/Others

50% of up to the first $2,000 deferred in your retirement account(s)

$0 to $34,000

$0 to $25,500

$0 to $17,000

20% of first $2,000 deferred

$34,001 to $36,500

$25,501 to $27,375

$17,001 to $18,250

10% of first $2,000 deferred

$36,501 to $56,500

$27,376 to $42,375

$18,251 to $28,250

 

So, for example, if you are single, make about $15,000 a year and invest $2,000 in your 457 and/or 401(a) plan, you may be eligible for a tax credit of $1,000. Or, if you defer only $1,000 for retirement, you would still get a $500 tax credit.

Now that’s free money! Want to learn more about this or other ways to make your retirement dreams come true?  Talk to your Nationwide Retirement Solutions Retirement Specialist at (858) 569-0295 to make an appointment or 1-888-DC4-LIFE (324-5433) from 5 a.m. to 8 p.m. Pacific Standard Time to speak with a specialist over the phone. 

Healthy Works Program Aims to Prevent Childhood Obesity

San Diego County officials and various community partners launched the Healthy Works initiative to combat childhood obesity today in Balboa Park.  

The Healthy Works program will be funded by a $16 million two-year grant to reduce chronic disease by promoting physical activity, nutrition, and a healthy school environment.  

“The need for this program is great. Obesity has become a national threat. It’s an epidemic. Right here in San Diego County, more than half of all adults and sadly, one in three middle school students, are overweight or obese,” said San Diego County Health and Human Services Agency Director Nick Macchione. “In order to affect change, we must try to ensure that all levels in our community support healthy choices. Government, businesses, neighborhoods, families and individuals all play a role in this effort.”

The initiative involves business and community partners who are taking various approaches to meet this goal, said County Supervisor Pam Slater-Price, the chair of the Healthy Works Leadership Team.

“We are excited about the systems and environmental changes that people are already beginning to see in their communities,” said County Supervisor Ron Roberts.

Some of the projects include planting community gardens, starting safe bike-to- school and work programs, introducing locally grown fruit and vegetables and better nutritional choices in schools, and offering more physical education at schools.

Community partners include: UCSD, the San Diego County Office of Education, the San Diego Association of Governments, Community Health Improvement Partners, and San Diego State University.

On Wednesday, Roosevelt Middle School students participated in a bicycle safety demonstration, which is part of a project to create safe routes to school and encourage physical activity.

San Diego County received the largest grant award in the nation from the American Recovery and Reinvestment Act of 2009. The program is a component of the County’s “Live Well, San Diego! Building Better Health” initiative.

Animal Control Officers Embrace Portable Computers

Every day, County animal control officers help the region’s four-legged and winged creatures in all kinds of ways: rescuing panting dogs left in hot cars, citing owners whose animals have gotten loose and maybe bitten someone, picking up vulnerable strays and attempting to reunite them with their owners. The list goes on.

The duties are surprisingly diverse, but they have one thing in common: they happen in the field, not behind a desk. But until recently, the officers had to return to the County shelter each day, sometimes for hours before going off duty, to enter their reports into a computer.

Now, most County animal control officers have a portable laptop that frees them to work in the field longer each day handling more calls.  The use of technology is part of a Countywide focus: Government without Walls—or GWOW—which encourages departments, when it makes sense, to adopt technology and non-traditional schedules and work environments to help staff be more mobile, efficient and effective. Currently a variety of County inspectors, Public Health nurses and Public Guardian investigators are also part of the movement, using computers, wireless internet and other technology to better serve the public in the field.

“I’m on cloud nine with the fact that I have the computer right now,” said Animal Control Officer Shalimar Oliver, who recently demonstrated how she used her compact Panasonic Toughbook in the center console of her kennel truck.

Working without walls

  During one of Oliver’s January shifts, a woman called Animal Services complaining that someone was leaving his dog in a truck all day at a Mira Mesa business park. The dispatcher who answered the phone entered a description and address into the computer system; Oliver could see the information on her screen. 

Previously, the dispatcher would have relayed the call over the radio. The officer would have had to scribble the details on a notepad, asking the dispatcher to repeat anything she’d missed.

This practice was sometimes inaccurate and always time consuming. The use of laptops has also freed the single dispatcher who answers the Animal Services patrol line for the whole region. When she is on the radio with officers, the public waits on hold. Now there are fewer hang ups and therefore more animals getting help.

And officers no longer must wait for the busy dispatcher to contact them on the radio to help an animal.  Now officers can see a call on the computer and go. The time saved could mean the difference between life and death if, for example, the call is for an animal that’s been hit by a car.

At the Mira Mesa business park, Oliver pulled her white truck alongside the pickup truck. No animal inside this time.

So Oliver parked for a couple minutes and noted the case’s conclusion in her computer. She radioed the dispatcher too, saying little more than, “10-98,” meaning this assignment was done.

“We used to have to tell the dispatcher what the outcome of the call was,” said Oliver. The dispatcher then entered the details into her computer. If the case was complicated, this could be a long conversation, again tying up the dispatcher and officer. 

After finishing the quick Mira Mesa case, Oliver had a rare lull with no assigned call. So she looked at her computer screen, which showed what other animal control officers were doing and whether they had pending assignments stacked up. Indeed, a busy officer had a waiting assignment to check on a report of cats with open sores in a Bay Park neighborhood.

Oliver was on it. These days, if a fellow officer is busy, Oliver uses the computer interface to easily transfer a waiting call to her own assignment list. Again, animals and the public get help faster.    

 Early success

Animal Services Lt. Dan DeSousa said all officers at the shelters in Bonita and San Diego have the laptops, and staff in North County will get them soon. He said officers, like Oliver, are reporting many benefits from the technology, and the program shows that in some cases, it just doesn’t make sense to work within walls.

“The thing is, why not?”  DeSousa said. “If you can do this work better out in the field, why do you have to come back to the office?”

 

 

Read more about how GWOW benefits County animal control officers:

 Customer Service and Animal Welfare: These days, when Oliver comes across a stray dog with a collar or microchip, she can look up the pet’s license information in the field, and maybe reunite the animal with an owner immediately. That keeps the dog out of the crowded shelter.

 Investigations: Oliver and other County animal control officers investigate criminal animal cruelty or neglect cases. After a witness interview, Oliver now immediately makes a detailed account of the conversation in her vehicle’s computer. This timely record helps win prosecutions. 

Officer Safety: Recently, Oliver’s fellow officer radioed for help with an aggressive dog. Oliver said she used her computer to see her colleague’s location, and the nature of the call. Before the busy dispatcher could send anyone, Oliver was on her way. Officers can also use the computer to research the history on any address to see if there have been problems with animals or owners there in the past.

Enforcement: Oliver said she recently had to cite a woman who’d let her dog run loose and bite someone. But the woman was avoiding Oliver, so the officer used her computer to do some internet research. Facebook revealed where the woman worked, and Oliver cited her there.

Public Presence: When people see an animal control truck, they’re more apt to follow laws, such as keeping dogs on leashes. So keeping officers in the field, even if they’re parked and writing reports, increases public safety.