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As yields on risk-free Treasuries fell, private pension plans lowered their investment return assumptions but public plans did not. Instead, public pensions invested in risky assets.  REUTERS/Graphics public pension fund, anticipates annual returns of 6.2 percent over the next decade. However, CalPERS still expects its long-term return to align more closely with a discount rate that it plans to reduce to 7 percent by 2020, because it anticipates returns will jump to 7.83 percent in the decades to follow. Such a forecast in the short term could spell declining fund conditions, a rise in unfunded liabilities and increased costs for government employers and workers. CalPERS is not alone. The Ohio Public Employees Retirement System expects an average 6.76 percent return over the next five to seven years, short of its 7.5 percent discount rate. But the fund anticipates returns will climb to 7.85 percent over a 30-year period. Los Angeles Fire and Police Pensions expects compound returns of 6.33 percent over the next decade, considerably below its 7.5 percent discount rate. The fund believes the compound return will rise over the long-term as interest rates move back up, said General Manager Ray Ciranna. PAST IS PROLOGUE Private-sector and public plans in Canada and Europe lowered their discount rates over the past two decades.

Folders.com and Bags.com join Envelopes.com, a leading online retailer of envelopes and customized stationery which is ranked 581 on Internet Retailer's 2016 Top กระเป๋า แบรนด์ ราคา ถูก ของ แท้ Internet Retailers list, to create a portfolio of category killer domain name businesses. BIGNAME is backed by private equity firm TZP Group and has plans to accelerate growth by acquiring niche, market leading e-commerce brands focused on selling customized products to small businesses and consumers. "Our mission is to create a portfolio of e-commerce businesses that offer customizable products to small businesses and consumers. We were drawn to Folders.com when we saw the potential of the brand and the synergy with our existing customer base. We are focused on the installation of our proprietary e-commerce platform and adding product customization capabilities to the Folders.com website. Plans to ramp up the product category assortment and apply our online marketing expertise are already underway," says Seth Newman CEO of BIGNAME. Folders.com is focused on providing quality presentation folders, binders, and portfolios to businesses, and organizations nationwide. With a wide range of customization options, Folders.com is able to deliver personalized solutions to its customers. Popular customer segments include financial advisors, universities, medical, real estate, law practices, and government agencies. BIGNAME plans to launch Bags.com as the premier destination for customized bags. The product offering will include trade show bags, gift bags, shopping bags, and tote bags for the business and events end-markets. About BIGNAME: Headquartered in Amityville, New York, BIGNAME is the owner and operator of leading internet retail businesses such as Envelopes.com, Folders.com, and Bags.com. The brands have category killer domain names that drive brand recognition and credibility within their categories.

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