benefits. The Metro-North engineer who fell asleep at the controls of a speeding. January 30, 2023. According to the HR people, it adds about 20% value to the salary. Members of defined benefit pension plans who qualify for a normal service retirement benefit receive a lifetime annuity based on their length of service and salary. A member’s account balance is directly related to. At this time, our pension consultant Norman Rosenfeld cannot assist on MTA Bus Co. Like all models it will need to be modified to fit the exact circumstances of the parties’ agreement and the rules of the plan. Pension plan, the Police Officers’ Pension plan, and the Firefighters’ Pension plan (hereinafter the “Plans”). MaBSTOA Pension Summaries, All Tiers (Operating & Admin) MaBSTOA Pensioner Change of Address. Employees can elect automatic payroll deductions (subject to IRS annual maximums), and they may enroll and/or make changes to their contributions at any time during the year. It is the balance of the money that is in the account as of established date. Founded in 1962, OMERS is one of Canada’s largest defined benefit pension plans, with $121 billion in net assets as at December 31, 2021. Search: Mta Pension Plan. Chief Financial Officer; Director – Office of Human Resources, Chair. The Plan is a contributory defined benefit pension plan established by the Maryland Transit Administration (MTA or Plan Sponsor) of the Maryland Department of Transportation (MDOT), under the State Personnel and PensionsArticle of the Annotated Code of Maryland. By this time you should have registered at the Railroad Retirement Board to see your retirement benefits. SUPERVISOR: Deputy Directors, MTA Consolidated Pensions. For tax years beginning January 1, 1991, any benefits received from a defined benefit plan are not taxable. Pension plan, the Police Officers’ Pension plan, and the Firefighters’ Pension plan (hereinafter the “Plans”). What Is a Pension? Pensions are defined benefit plans that guarantee a fixed monthly benefit when you retire. MTA Defined Benefit Pension Plan For Employees of Metro - North Railroad Contributions • Represented MNR must contribute to the plan for a period of 10 years. 22 Nov 2004. MTA Sues Investment Manager for Not Protecting Funds During COVID-19. When the MTA Board passed a new fare structure earlier this week, the leaders of the transit agency stressed the fact that the so-called cuts to the public — fewer trains, less frequent service — would be voted down soon as well. Log In My Account mr. The Public Pension Search Tool includes details on state and local pension plans in Texas as reported to the Pension Review Board and submitted by each plan in response to a public information request from the Comptroller’s office. a contributing employer to the Pension Plan of T. OMERS is a jointly-sponsored pension plan, with 1,000 participating employers ranging from large cities to local agencies, and over half a million active, deferred and retired members. Defined Contribution Plans. DEFINED BENEFIT RETIREMENT PROGRAM FOR REPRESENTED EMPLOYEES OF THE LONG ISLAND RAIL ROAD AND METRO-NORTH RAILROAD OVERVIEW - LONG ISLAND RAIL ROAD You are participating in a program designed to help you and your dependents maintain financial stability at the time of retirement or in the event of disability or death. The MTRS is a defined benefit retirement plan that operates as a qualified plan under section 401(a) of the Internal Revenue Code. Your retirement plan makes it easier by offering you a simple, convenient and consistent way to help save for retirement. Former Employee. Show — Desktop Navigation Hide — Desktop Navigation. Family members are defined as mother, father, sister, brother, son, daughter, grandchild and the spouse or domestic partner of. MaBSTOA Pension Loan Application Tier 3, 4 & 6. E-mail Address. Retirement plans may offer loans to participants, but a plan sponsor is not required to include loan provisions in its plan. Designation of Primary and Contingent Beneficiary - Tier 3, Tier 4, and Tier 6Form #134. Withdrawal of real return bonds could financially impact DB pension plans: CIA Keywords Canadian defined benefit pension plan, Bill C-228, Super priority, Pension legislation, PIAC, Real return bonds,. — Westchester Private Bus Lines Pension Trust as amended and restated as of January 1, 2001 (the “Prior Plan”); and WHEREAS, Liberty Lines has been engaged in the business of providing public bus service in the City of New York (the “City”); and. MTA Bus Co. This is a percentage, often ranging from 1% – 2. HOURS OF WORK: 9:00 am - 5:30 pm (7 1/2 hours/day). Slideshow 4196224 by ilya. Revenue Department that their pension plans qualify as a defined benefit plan. Defined Benefit Plans (ERISA) Defined benefit pension plans provide retirees with a predetermined monthly retirement benefit upon reaching a specific age. When people throw around the term "pension plan," the Defined-Benefit (DB) plan is typically what they are referring to. Mandatory retirement contributions for. Eligibility for retiree healthcare requires 10 years of pension plan membership and the ability to immediately collect pension benefits; all per current policy. Search: Mta Pension Plan. Last Name Social Security Number. It is the balance of the money that is in the account as of established date. For tax years beginning January 1, 1991, any benefits received from a defined benefit plan are not taxable. benefit Your MTA DB plan retirement has 2 components: 1. Employee I. State Zip Code. HOURS OF WORK: 9:00 am - 5:30 pm (7 1/2 hours/day). This is because for a given benefit level, higher Defined Benefit contributions are required when the horizon is shorter. Defined contribution . In general, the Plan recognizes credit for Prior Vested Service only to determine if you are eligible for a. NYC Pension Plans. MTA DEFINED BENEFIT PENSION PLAN. The funds do not pay out guaranteed sums of money at retirement. DEFINED BENEFIT RETIREMENT PROGRAM FOR REPRESENTED EMPLOYEES OF THE LONG ISLAND RAIL ROAD AND METRO-NORTH RAILROAD OVERVIEW - LONG ISLAND RAIL ROAD You are participating in a program designed to help you and your dependents maintain financial stability at the time of retirement or in the event of disability or death. For tax years beginning January 1, 1991, any benefits received from a defined benefit plan are not taxable. Job detailsSalary $31,760 $50,817 a year job type fulltimeBenefits pulled from the full job description401(k) bereavement leave dental insurance disability insurance employee assistance program health insurance show 5 more benefitsFull job descriptionDescriptionDeputy court clerk ii court reporterCourt reporters carry out a variety of functions in the criminal division of the circuit court. New employees contribute 9% of salary up to $30,000 and 11% of annual salary above $30,000 to MSERS (or, if elected in lieu of MSERS, to the ORP). AUTHORITY DEFINED BENEFIT PENSION PLAN MASTER TRUST; MANHATTAN AND BRONX SURFACE TRANSIT OPERATING AUTHORITY PENSION PLAN; and METROPOLITAN. Former Employee. This is because for a given benefit level, higher Defined Benefit contributions are required when the horizon is shorter. MaBSTOA Pension Summaries, All Tiers (Operating & Admin) MaBSTOA Pensioner Change of Address. Employees who "buy back" time can elect to pay the buy-back through payroll deductions. As discussed in more detail below, SECURE 2. Los Angeles County MTA Employee Retirement Trust Fund is a defined benefit public pension fund based in Los Angeles, California. LOCATION: 2 Broadway New York, NY. To compare “apples to apples,” annual contributions under the defined contribution plan generally. MTA BUS PENSION. Employees enroll in one of six defined benefit plans. The following information will help you understand the choices and how they will affect your retirement benefit payments. The Retirement Plan for Sacramento Regional Transit District Salaried Employees (Salaried Plan) is a single employer defined benefit pension plan covering full- or part-time employees in the following employee groups: Administrative Employees Association (AEA), Management and Confidential Employees Group. According to the HR people, it adds about 20% value to the salary. MTA CONSOLIDATED PENSIONS AND RETIREMENT INFO. Information You'll Need. The ability to receive a large tax deduction that grows tax-deferred and can be rolled over at Plan termination makes a Defined Benefit Plan a. Annual Leave. Click on the RED links below which opens up the page in a new tab. MTA-BUS-Pension Download. The City of Memphis Retirement System (Plan) is designed to help you enjoy an important part of your future. Defined Benefit 401(a) Plan 401(k) Plan 403(b) Plan (if 501(c)(3) dual status ). Flexible Work Schedules. Chief Financial Officer; Director – Office of Human Resources, Chair. : $64,679 mid: $80,848 max: $97,018 hay points: 393 dept/div: mta consolidated pension & retirement benefits supervisor: deputy directors, mta consolidated pensions location: 2 broadway new york, ny hours of work: 9:00 am 5:30 pm (7 1/2 hours/day) deadline: open until filledJob informationIn order to protect our employees and continue to provide safe and. Can't Find Your Plan? If your private defined benefit pension plan has ended but is not listed here, please call your pension plan administrator or the PBGC Customer Contact Center. MTA Police benefits currently include: Tuition reimbursement; A defined benefit pension plan; Deferred compensation plans, including 401k and 457 plan; and Comprehensive sick leave benefits. TIAA is a defined contribution plan. Pension Info. (defined contribution plan); Pension plan for non-academic employees (defined benefit plan) Specifically, as of October 31, 2000, Tier 4 NYCERS members who were not eligible for any of the following special retirement plans 1. Search: Mta Pension Plan. Jan 11, 2013 · In New York, pensions and retirement funds generally fall under one of two categories: defined contribution or defined benefit plans. Click on the RED links below which opens up the page in a new tab. The Board denied Plaintiffs request in a letter dated February 29, 2016, stating: [the Board] addressed your request for review of your pension benefit calculations. The following information will help you understand the choices and how they will affect your retirement benefit payments. RP provides retirement, survivor, and. The RP provides retirement, survivor. The Plan is a contributory defined benefit pension plan established by the Maryland Transit Administration (MTA or Plan Sponsor) of the Maryland Department of Transportation (MDOT), under the state personnel and pension article of the annotated code of Maryland. The Plan is a contributory defined benefit pension plan established by the Maryland Transit Administration (MTA or Plan Sponsor) of the Maryland Department of Transportation (MDOT), under the state personnel and pension article of the annotated code of Maryland. The Pension Benefit Guaranty Corporation, a federally chartered entity, will step in when a plan fails so that retirees' benefit payments — up to a maximum level defined by federal law — continue. Your retirement plan makes it easier by offering you a simple, convenient and consistent way to help save for retirement. Define defined benefit pension. Date Filed Document Text; March 26, 2019: Filing 3 RELATED CASE AFFIRMATION of Michael B. Maintain a high degree of quality service by providing direct customer service to participants in the MTA sponsored defined benefit pension plans as well as MTA employees participating in the Voluntary Defined Contribution Plan, the New York State Employee Retirement System and the New York City Employee Retirement System. Feb 12, 2020 · Expanded Availability of Cross-Testing: When a defined benefit pension plan covers a discriminatory group of employees, the plan can still pass the nondiscrimination tests if it is combined (“cross-tested”) with a defined contribution plan. Please return original signed and notarized form to: MTA Consolidated Pensions 2 Broadway, 10th Floor New York, NY 10004 If you have any questions, please contact the BSC at 646-376-0123 or bscservice@mtabsc. May 03, 2022 · A defined contribution plan is a retirement plan that's typically tax-deferred, like a 401(k) or a 403(b), in which employees contribute a fixed amount or a percentage of their paychecks to an. Aug 26, 2019. Retirement age, vesting period, contributions, and payments vary by plan and tier. Metro-North Railroad has great benefits. For Tier 3, Tier 4, and Tier 6 members who wish to nominate Primary and Contingent beneficiaries to receive a death benefit payable upon the death of a member while in active City service. The Plan has special rules concerning Prior Vested Service with a New York State or City Retirement System or a Pension Plan of an MTA Agency. On September 30, 2020, the Auditor General received these documents from the Retirement Plan The fiscal year and the plan year are a calendar year 75% per annum on the declining balance of the loan The Retirement Plan for Chicago Transit Authority Employees relied on the contract between the CTA and Caremark, a prescription benefits manager, as. Your retirement plan makes it easier by offering you a simple, convenient and consistent way to help save for retirement. LOCATION: 2 Broadway New York, NY. , page 1 Retirement Program are retired employees of the MTA or its subsidiaries, the requirement of Tax Law section 612(c)(3)(i), that a taxpayer must have been an officer or an employee of the. A Group TFSA program is also available to University employees through the Custodian using the same funds that are made available under the Plan. Public Pension Search Tool. means pension schemes where the pension obligation consists of providing a future pension that is calculated on the basis of future benefits. benefits. it; Views: 14396: Published: 25. new york's metropolitan transportation authority (mta) defined benefit pension plan master trust, manhattan and bronx surface transit operating authority pension plan and mta other post-employment benefit plan have filed a lawsuit against allianz global investors u. ERISA § 103(a)(1)(A) imposes an annual reporting obligation on “employee benefit plans” within the meaning of ERISA, but that term only includes plans that are “employee welfare benefit plans” as defined by ERISA § 3(1) or “employee pension benefit plans” as defined by ERISA § 3(2). MTA 2018 Budget and 2018-2021 Financial Plan Adoption Materials (3. Slideshow 1719081 by gilda. Weighted Average : Cost Method. When the MTA Board passed a new fare structure earlier this week, the leaders of the transit agency stressed the fact that the so-called cuts to the public — fewer trains, less frequent service — would be voted down soon as well. Defined-benefit plans are pensions that provide beneficiaries with a monthly benefit check for as long as they live. LOCATION: 2 Broadway New York, NY. Loans taken out against your pension are paid back through deductions from your pay for the period and amounts agreed upon. Non-affiliated Employees: You are eligible to join either the MBTA Retirement Fund or the Executive Deferred Compensation 401(a) Savings Plan. Eligibility for retiree healthcare requires 10 years of pension plan membership and the ability to immediately collect pension benefits; all per current policy. THIS VALUABLE SERVICE IS FREE-OF. The officials though also made clear that numerous positions within. ; and registered investment adviser, Empower Advisory Group, LLC. Form #133 is temporarily unavailable. a leading provider of retirement benefits. ____, 113 S. Together we can make our region thrive The California Public Employee’s Retirement System (CalPERS) is a state agency that manages the retirement pensions and health benefits for more than 1 Details: The AC Transit Employees’ Retirement Plan (the Plan) is a component unit of the Alameda-Contra Costa Transit District’s (AC Transitor the. For information on MTA Bus Company pensions, please contact Denise Meehan at 646. Search: Mta Pension Plan. Other types of benefits such as loans, disability and death benefits are also offered and specified in law. Alameda Police and Fire Pension Plans 1079 and 1082. Railroad Retirement Board 490 Federal Plaza Central Islip, NY 11722-4424 1-877-772-5772 Electronic Funds Transfer Agreement; Long Island Rail Road Company Pension Plan (employees hired prior to January 1, 1988) Application for Pension Estimate; MTA Defined Benefit Pension Plan ) Your NYSLRS plan differs from defined. MTA pensions 'decimated' by COVID-19 market crash, lawsuit says. MTA CONSOLIDATED PENSIONS AND RETIREMENT INFO. Flexible Work Schedules. DEPT/DIV: MTA Consolidated Pension & Retirement Benefits. benefits. CALL THE BSC AT 646-376-0123 for a representative or leave a message. . — Westchester Private Bus Lines Pension Trust as amended and restated as of January 1, 2001 (the "Prior Plan"); and WHEREAS, Liberty Lines has been engaged in the business of providing public bus service in the City of New York (the "City"); and. Employee I. Loans taken out against your pension are paid back through deductions from your pay for the period and amounts agreed upon. Job detailsSalary $36,654 a year job type fulltimeBenefits pulled from the full job description401(k) bereavement leave dental insurance disability insurance employee assistance program health insurance show 5 more benefitsFull job descriptionDescriptionThe city of roanoke is seeking a selfsufficiency specialist to manage a specialized caseload dedicated to a combination of benefits and. Secunda, a law professor and director of the Labor and Employment Law Program at Marquette University Law School in Milwaukee The County provides its employees several ways to save for the future Maryland Transit Administration Pension Plan 7 Section II Your financial security at retirement depends on three basic factors -- your. MaBSTOA Pension Loan Application Tier 3, 4 & 6. OMERS is a jointly-sponsored pension plan, with 1,000 participating employers ranging from large cities to local agencies, and over half a million active, deferred and retired members. Use the e-autograph tool to put an electronic. January 30, 2023. IMPORTANT: This application must be on file with the plan for at least 30 days but no more than 90 days before your retirement can. Search: Mta Pension Plan. A defined contribution plans valuation is easy. Required minimum distributions for defined benefit plans and annuity contracts all require RMD's after age 70 1/2. Employee I. Represented MNR must contribute to the plan for a period of 10 years. Generally, retirement allowances payable from such plans are based on a member’s years of service, age and compensation base. Attention: Requests for pension estimates are limited to one per year per employee. If you fit the eligibility criteria, you have the. New York transit worker pension plans say the firm's mismanagement caused 'astonishing' losses. Some plans look at your average earnings over the lifetime of your employment. This is due to factors such as whether an account is fully vested, how much the account grew during the marriage, and what contingencies may affect the value of a defined-benefit plan, such as a pension, for example. The basis. DEFINED BENEFIT RETIREMENT PROGRAM FOR REPRESENTED EMPLOYEES OF THE COMMUTER RAILS Effective January 1, 2004. it; Views: 14396: Published: 25. Jun 30, 2016 · The final factor used in pension benefits calculation is a benefit multiplier. 1199 Health Care Employees Pension Fund 1950 Hourly Pension Plan – Goodyear Tire & Rubber. Summary of Key Pension Plan Results ($ in millions) Local 689. Complete the required boxes which are colored in yellow. The Plan is a defined benefit pension plan established to provide retirement benefits for eligible employees and their beneficiaries. 2021 ford f250 led tail lights
5%, that determines the size of the benefit amount. . Mta defined benefit pension plan
Learn about your plan’s features and funds, find access to resources and tools that can help with planning, and discover solutions to challenges many of. BMCs must be paid until you separate from service or retire . MTA-BUS-Pension Download. Complete the required boxes which are colored in yellow. This list is not to be considered an exhaustive list in any way. Jan 11, 2013 · In New York, pensions and retirement funds generally fall under one of two categories: defined contribution or defined benefit plans. A deferred compensation plan (457 Plan) allows employees to accumulate tax-deferred savings for retirement. The Retirement Plan (RP) is a singleemployer, contributory defined benefit public - pension plan covering all full-time CTA permanent employees. DEPT/DIV: MTA Consolidated Pension & Retirement Benefits. Defined-Benefit Plan. , discount rates), based on the expected form of settlement of the pension benefit: one for members eligible for a lump sum transfer out of the plan and another for members where an annuity purchase is expected. General - The Plan is a single-employer defined benefit pension plan that was designed to provide retirement, death, and disability benefits to certain employees of Dallas Area Rapid Transit ("DART"). Retirement plan for me was non-existent at this job. Employee I. it; Views: 14396: Published: 25. The Retirement Plan (RP) is a singleemployer, contributory defined benefit public - pension plan covering all full-time CTA permanent employees. Chief Financial Officer; Director – Office of Human Resources, Chair. As far as retirement plans go today, this would be one of the best unless you plan on joining the military. Founded in 1962, OMERS is one of Canada’s largest defined benefit pension plans, with $121 billion in net assets as at December 31, 2021. Define defined benefit pension. 2 Broadway, 10th Floor. Retirement Plans Specialist MissionSquare Retirement (202) 759-7155 jsequeira@missionsq. Withdrawal of real return bonds could financially impact DB pension plans: CIA Keywords Canadian defined benefit pension plan, Bill C-228, Super priority, Pension legislation, PIAC, Real return bonds,. Please return original signed and notarized form to: MTA Consolidated Pensions 2 Broadway, 10th Floor New York, NY 10004 If you have any questions, please contact the BSC at 646-376-0123 or bscservice@mtabsc. SUPERVISOR: Deputy Directors, MTA Consolidated Pensions. The MTA Board of Directors recommended Gorrie and Naughton for the seats at its meeting in August. When you add in people who did. The Atlanta City Code §6-141, §6-281, and §6-421 establishes one board of trustees with authority to implement the provisions of the three pension plans, which is referred to as the City of Atlanta Defined Benefit Pension. Pension Info. , discount rates), based on the expected form of settlement of the pension benefit: one for members eligible for a lump sum transfer out of the plan and another for members where an annuity purchase is expected. For tax years beginning January 1, 1991, any benefits received from a defined benefit plan are not taxable. 2 Apr 2019. Defined Benefit 401(a) Plan 401(k) Plan 403(b) Plan (if 501(c)(3) dual status ). The Capital Capital Metropolitan Transit Authority (MTA) Retirement Plan for Bargaining Unit Employees (Austin) is a defined benefit pension plan that provides retirement benefits and benefits in the event of death, disability or other termination of employment. a contributing employer to the Pension Plan of T. Chief Financial Officer; Director – Office of Human Resources, Chair. benefits. MTA offers extraordinary retirement benefits. Pension plan, the Police Officers’ Pension plan, and the Firefighters’ Pension plan (hereinafter the “Plans”). SUPERVISOR: Deputy Directors, MTA Consolidated Pensions. Pension and Benefits Plans Financial Statements. New York’s Metropolitan Transportation Authority (MTA) Defined Benefit Pension Plan Master Trust, Manhattan and Bronx Surface Transit Operating Authority Pension Plan and MTA Other Post-Employment Benefit Plan have filed a lawsuit against Allianz Global Investors U. Date of Birth. The Plan is a contributory defined benefit pension plan established by the Maryland Transit Administration (MTA or Plan Sponsor) of the Maryland Department of Transportation (MDOT), under the state personnel and pension article of the annotated code of Maryland. To compare “apples to apples,” annual contributions under the defined contribution plan generally. IMPORTANT: This application must be on file with the plan for at least 30 days but no more than 90 days before your retirement can. The RP provides retirement, survivor. Authority Defined Benefit Pension Plan (the “Plan”) as of December 31,. MTA-BUS-Pension Download. The benefitsnoted above are contingent upon the collective bargaining agreement. Some pension plans give you the option of receiving a lump sum to invest as you wish. A better basis for evaluating pension benefit adequacy is the career government employee who is fully dependent on his or her government employment for retirement income. The Plan is a contributory defined benefit pension plan established by the Maryland Transit Administration (MTA or Plan Sponsor) of the Maryland Department of Transportation (MDOT), under the state personnel and pension article of the annotated code of Maryland. LOCATION: 2 Broadway New York, NY. 1:20-cv-07842 (S. The MTA agreed to extend this benefit for COVID deaths, no matter where the. Both are located at 2 Broadway, Manhattan, 10th floor. A defined benefit pension plan is a pension plan that guarantees employees a specific monthly benefit at retirement. Retirement age, vesting period, contributions, and payments vary by plan and tier. Annual Leave. At this time, our pension consultant Norman Rosenfeld cannot assist on MTA Bus Co. MTA-Defined-Benefit-Pension-Plan-Document-January-2016-Article-14-1Download · MTA-BUS-TSO-and-LOCAL-100-PENSION-AWARDDownload. MTA-BUS-Pension Download. 0 ★★★★★ Former Chief Security Officer in nullnull defined pension plan plus federal railroad retirement for some Helpful Report Oct 23, 2022. The Plan is a contributory defined benefit pension plan established by the Maryland Transit Administration (MTA or Plan Sponsor) of the Maryland Department of Transportation (MDOT), under the state personnel and pension article of the annotated code of Maryland. As part of the April 2015 pension freedoms, you may be permitted to transfer from a private defined benefit scheme to a defined contribution pension (after taking regulated financial advice). benefits. MTA-BUS-Pension Download. Employee I. alleging mismanagement of an AllianzGI Structured Alpha (SA) fund caused “astonishing”. Step 5. Chief Financial Officer; Director – Office of Human Resources, Chair. Employees enroll in one of six defined benefit plans. The Metro-North engineer who fell asleep at the controls of a speeding. The following tips can help you fill out Mta Defined Benefit Pension Plan Lirr quickly and easily: Open the form in our full-fledged online editor by hitting Get form. ERISA also established the Pension Benefit Guaranty. Tax info: 907-269-6620 or tax. means pension schemes where the pension obligation consists of providing a future pension that is calculated on the basis of future benefits. NYCERS is a defined benefit retirement plan. benefits. Coverage includes. Payments from this plan are offset by the Tier II benefits paid on the employee’s behalf. For information on MTA Bus Company pensions, please contact Denise Meehan at 646. The benefits noted above are contingent upon the collective bargaining agreement. Please return original signed and notarized form to: MTA Consolidated Pensions 2 Broadway, 10th Floor New York, NY 10004 If you have any questions, please contact the BSC at 646-376-0123 or bscservice@mtabsc. Participants of the Plan are those employees who, as of September 30, 1995, were covered under one of three predecessor plans, Dallas. a contributing employer to the Pension Plan of T. Employees not eligible for the defined benefit pension plans are. . fifa 23 best veteran players career mode, cd coupon frequency monthly vs maturity, jinsi ya kupata mkopo kwa njia ya simu, southern il craigslist pets, personal ads craigslist, cattaraugus knife price guide, humiliated in bondage, krispy kreme donuts near me now, brandybilly onlyfans review, javascript whiteboard open source, bkp bocil, wicked sexy melanie co8rr