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Matthew Ross was featured by his local newspaper for his excellence in high school football, basketball and baseball. In an industry sadly bereft of honesty one young aspiring banker, Matthew Ross took the time to write a cover letter that so impressed the individual it was meant for that he in turn decided to share it with other Wall st executives for its candor which of course then led it to being shared by other executives, social media and so forth.
Perhaps what makes the letter most interesting is not only its candor but the suggestion that Wall st bosses are from time to time willing to overlook the traditional pedigree qualifications they insist is the best fit which might be a backhand way of saying maybe Wall st bosses are starting to come clean with the notion that just because you know such and such and were educated at a premium entity doesn’t necessarily mean one has the pizzaz to excel, the integrity or ability to make good decisions or simply the discipline and resolve to do anything it takes to get ones foot through the door. Recent CommentsCM on John Charlton: ‘I dismembered Ingrid Lyne with a 15 inch pruning saw’c_chandler on Suicide? If you've just received a small envelope in the mail, allow yourself a little time to be disappointed, mope around, and perhaps eat some ice cream -- but before you get caught in a downward spiral of self-doubt, consider all the reasons that a rejection just isn't the end of the world. You may think that going to the University of your First Choice is the only path to future success in your career and personal life, but in reality, that couldn't be further from the truth. Your dream school may be the most prestigious on your list (and the most fun to name-drop), but that doesn't mean it's where you'll be happiest. The important thing to remember when dealing with rejection is not to give it the power to make you doubt yourself.
We know it's hard to believe that when you've just been given a big fat "NO," but things really do happen for a reason. Although some of our favorite cultural icons and stars achieved major succes while still in their teen years (Taylor Swift, we're looking at you), some of the greatest game-changers of all time have been late bloomers.
The amount you contribute each year from your salary to the Retirement System is subject to Kansas income tax. Complete a Schedule S for the Kansas income tax return to find out your modification to federal adjusted gross income. Enter the total amount you contributed to KPERS during the past calendar year on line A2 of Schedule S.
Generally, lump-sum payments can be paid directly to you or rolled over into an eligible retirement plan. Depending on the type of plan, the later distribution may be subject to different tax treatment. KPERS lump-sum benefits, including earnings, generally keep their Kansas state tax-exempt status, even when rolled over into a qualified retirement account containing other retirement funds.
For more information on Kansas tax treatment of KPERS distributions, please contact the Kansas Department of Revenue's Taxpayer Assistance Center. Part of your lump-sum payment will be considered nontaxable if you made any contributions on an after-tax basis. Purchased service with a lump-sum payment other than a rollover or trustee-to-trustee transfer. If you withdraw: Nontaxable amounts may be paid to you or rolled over into a traditional IRA or to certain employer plans that accept rollovers of after-tax contributions.
Any time you receive a payment from KPERS, you'll receive a 1099-R form for your tax return.
In general, Retirement System benefits, including the $4,000 retiree death benefit, are subject to federal income tax, but not Kansas income tax.
You can control how much tax is withheld by filing a Withholding Certificate for Pension Benefit Payments (Substitute W-4P) form with KPERS or using the KPERS Member Web Portal.
If your monthly benefit is $1,680 or more KPERS will withhold federal tax, unless you file a W-4P tax form with KPERS. If your monthly benefit is less than $1,680 per month KPERS will not automatically withhold federal income tax.
If you are a beneficiary or joint annuitant, your benefit generally has the same income tax status as the deceased member’s benefit. If you are a beneficiary, you will receive a 1099-R form to include with your federal tax return, even if you assign the benefit to a funeral establishment. If you received more than one type of payment during the year, KPERS sends separate 1099-R forms. You can also complete a Withholding Certificate for Pension Benefit Payments form (Substitute W-4P) and mail it to KPERS. If you made KPERS contributions before 1984 or purchased service credit with previously-taxed money, you have already paid taxes on those contributions. Important Tax Information booklet details tax implications for receiving rollover and lump-sum payments, or spouse and beneficiary benefits. Of course what makes the letter a little sad is the fact that the applicant might be wasting his integrity and good attitude in an industry sorely lacking in those very qualities….
Our weekly "Hey, It's OK!" series is here to remind you of all things you SHOULDN'T be worried about, no matter who tells you otherwise!
But getting rejected is a simple fact of life, and none of us are immune to being turned down. Scroll through the list below for five reasons it's OK (and heck, maybe even a good thing) that you didn't get into your dream school. Prospective employers will care about what you did with the education you received -- and the ways you showed initiative and passion -- not the ranking your school holds in the U.S. A recent study from MyEdu found that many college students are taking non-traditional paths through their education, including switching their majors multiple times and looking to alternative learning experiences like study abroad, mentorships and internships. Remember that wherever you go, you'll have the opportunity to make lifelong friends, explore your interests, have new experiences and get a great education. And not only is it inevitable, but it's also a perfectly fine and sometimes even positive thing.
Scott Fitzgerald, "You'd have a decent book if you got rid of that Gatsby character." Can you imagine if Fitzgerald has taken his criticism to heart? Like the writers listed above, countless leaders endured a stream of rejections before becoming successful -- and the reason that they were able to find success is that they didn't let failure shake their belief in themselves.


One college counselor wrote in the New York Times about getting rejected form his dream school, and said this of how things played out: "I would most likely not have chosen my profession, lived where I do or valued the same engagements. And hey, if Taylor Swift can get rejected by Harry Styles and still land on her feet, you can handle a rejection from your dream college and still come out on top. Van Gogh didn't even start painting until he was in his late 20s, Julia Child didn't learn to cook until she was 40, and Harrison Ford didn't get his big break in movies until he starred in "Star Wars" at 35.
Your contributions are deducted from your pay on a pre-tax basis for federal income tax purposes. Read the Important Tax Information booklet carefully to understand the federal tax treatment before taking a lump-sum payment.
If you roll over a payment from KPERS when you withdraw or retire, the funds adopt the tax characteristics of the plan that receives them. A portion will be included in your PLSO payment and the rest will be paid to you gradually in your regular monthly benefit payments according to IRS regulations. If you choose a Partial Lump-Sum Option (PLSO) when you retire, you will receive two 1099-R forms in January – one for your regular monthly benefits and one for your PLSO payment.
Once you are logged in, you can view your current withholding information and make changes instantly. See a qualified tax professional or contact the IRS for questions about your individual tax situation. The following summarizes the changes and the methods KPERS uses to calculate tax-free amounts.
This benefit is taxable for federal income tax purposes to the named beneficiary, but not Kansas state taxes.
You can start, stop or change your federal withholding anytime using the KPERS Member Web Portal. Even if you assign the death benefit to a funeral home, you are still responsible for the taxes. From introducing yourself to making conversation, it can be difficult to put your best foot forward. With your career and future seemingly on the line, college rejection can be particularly difficult to cope with. These experiences and others can help you to determine what you want from your education and your future career. There's a good chance you'll end up loving wherever you go, but if you don't, keep in mind that you're not stuck there -- if your school really isn't working out, transferring is always an option.
Failure can help us to grow, learn to deal with challenges, and find out what we're really made of. Because of this, you need to add the contributions back into your gross income when you file your Kansas state income taxes each year.
The tax treatment of later payments from the eligible employer plan or traditional IRA receiving your direct rollover might be different than if you received your benefit directly from KPERS.
If you roll over your PLSO payment, you'll receive a 1099-R for each plan you sent money to. If you don't return the form by the deadline, KPERS is required to withhold taxes as if you are married and claiming three exemptions. You can download one from our web site or contact our office to receive one by postal mail. If you did not contribute to the Retirement System before July 1984, your entire benefit is taxable unless you have purchased service with a lump-sum payment. If you chose the Three-Year Rule, you have already recovered those contributions tax-free and your current benefit is taxable. Attach a note to your tax return stating that you are using the Simplified Method to calculate the taxable amount. An amount appears in this box only if you made contributions before 1984 or purchased service credit with previously-taxed money.
The amount you have already been paid from your previously-taxed contributions, up to December 31, is also listed in this section. If you want to make a good impression on your crush, try using some of these different ideas.
As April approaches and decision letters go out to high school seniors across the country, thousands of future freshmen will have to face the reality of things not turning out the way they had hoped they would. So if you think that successful people never get rejected, think again: Success actually has more to do with how you deal with failure than anything else. KPERS will withhold 20 percent for federal income tax from a lump-sum payment unless it is rolled over into an eligible plan. Under current law, you cannot designate a specific dollar amount on the form without first indicating your marital status and the number of withholding allowances.
If you choose not to have taxes withheld from your retirement benefit, you are still liable for federal income tax. Lump-sum purchases other than rollovers or trustee-to-trustee transfers are on a post-tax basis.
For questions about taxes not covered on this page, please contact a qualified tax professional or the IRS. If you have received all your previously-taxed contributions, your benefit is fully taxable. One thing that successful people do have in common is that they never let failure deter them. If you can get your crush talking about their favorite things, you can get the conversation going fairly quickly. These cute expressions are your initial step toward getting a phone number or date, but they are not the last step.


All I want is to be the reason that you fall asleep each night with your phone held in your hand.
Take a look at your laptop and you will see that “U” and “I” are placed next to each other. The only thing that makes my night worthwhile is the thought that I will see you again in my dreams.
Just one message, look or touch from you is enough to send my spirits soaring through the roof.
The feel of your fingers entangled in mine and the gentle thump of your heartbeat is all that I need to feel safe and happy.17. One of the easiest ways to realize that you are in love is by scrolling through love quotes. I have read through a thousand lists of cute things to say and quotes, but none of them perfectly describes exactly how I feel for you.
I am tongue-tied and unwell, yet your very touch makes me feel like I am capable of flying.
The time that I feel safest is when my head is on your chest and your arms are wrapped around me. The sight of you makes me into a bundle of nerves and just talking can make me tongue-tied. It is impossible to be entirely sure, but I am pretty certain that love is a fatal condition. From the moment that I met you, I have not been capable of thinking anything other than thoughts about you. Just wanted to let me know that you make me act like an idiot every time you are nearby me. You should know that I have started to like you less now…mostly because I have started to love you more. The moment we began talking drew out my laughter and every minute since then has only caused me to fall ever more in love with you. This, beautiful, is why I stare at you and why I can’t help to follow your every moment. If every word that I said could bring that gorgeous smile to your face, I would keep talking forever. As the minutes progress, I may laugh at their jokes, give them a hug or arrange a shopping trip. No matter how many hours I spend in the company of other people, none of them could ever mean as much to me as you do. Ancient people thought that humans started out as two-headed, four-legged and four-armed creatures. Jealous of the possibilities, the gods chose to split these early humans in half so that they would have just one head, two legs and two arms.
Ever since that time, man has been forced to wander the earth in search of the soul mate that he was split apart from.
Even if I was only able to just watch you from afar, I would prefer that to doing anything else right now. If I discovered that anything I said made you smile, I would keep talking forever in the hopes of bringing another grin to your face.
Dear Crush, Just a heads up, but you should watch out for a guy in a red suit this Christmas. I spend my entire day waiting patiently for the moment when I can wrap my arms around you again.
If I could travel through time, I would choose any time period where I get to be next to you again.
Over and over, I would skip ahead to the future where we were together and avoid any point in time where we are apart. I have tried drinking water or eating a snack, but nothing can quell the butterflies in my stomach. Even the computer screen, the kitchen door and the carpet manage to remind me of you in a strange and inexplicable way. I thought that Hollywood and little girls created this idea of instantaneous love as a beautiful, made-up story. From the second my eyes connected with yours, I realized that love at first sight was more than a trope from B movies. Your hand holding mine and your smile greeting me are all that I could ever want or need.60.
Whether you are just beginning a relationship or want to take things to the next level, these quotes can help you to express your feelings.
Cute things to say to your crush can work to get a conversation going or simply to break the ice.
If you are not comfortable with texting or saying the quote, it will not be effective at getting his attention. Make sure that you are comfortable with your quote and everything else will flow smoothly from that point onward.



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