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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 They are reluctant to do that. The California Public Employees' Retirement System, the largest U.S. 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.

Based outside of Boston, the company now sells the top vacuum brand in the U.S., surpassing Dyson, according to Mintel, the market research firm. Like Dyson, Shark makes more than just vacuum cleaners. Youll see Shark floor cleaners, garment-care products, and small appliances under its sister brand, Ninja. But if its a vacuum youre looking for, lets focus on that. Shark prides itself on innovation, for example with its "lift away" feature, which lets you remove the housing for the motor and dustbin, extending the reach of the motorized cleaning head. The brand also touts its cleaning power with such claims as "triple particle cleaning" and a "dual-brush roll" that promises to capture fine dust, small particles, and large debris. While "innovative" can be synonymous with high-priced, as in the case of Dyson, Shark has been able to keep its edge without driving up costs. Best of all, many Shark vacuums ace our tough tests, which involve such challenges as pulling cat hair from carpets and sucking sand กระเป๋าแฟชั่น lazada from bare floors. Its not a total slam dunk for Shark, however. For one thing, the brand doesnt compete in the bagged vacuum, canister vacuum, or battery-powered stick vacuum categories. And even among bagless vacuums, corded stick vacuums, and handheld vacuums, there are other brands to consider. But if youre interested in a vacuum of that type, it would be a mistake not to give Shark a look, starting with กระเป๋า แฟชั่น oppo these five standouts from our tests. Shark Navigator Powered Lift-Away NV586 (Target) View photos Upright vacuums are by far the most popular type, More than seven in 10 adults report owning one, and more than eight in 10 owners say they would purchase one again, according to Mintel. Bagless versions spare the hassle and cost of replacement bags, but the mess of emptying their bins can be a concern if you have asthma or allergies.

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