I Called In Sick Today

[brvheart 1,755]

Wang, you need to run me some numbers on how awful this trade is.http://sports.espn.go.com/nfl/news/story?id=4073253Collinsworth for Madden has to be the worst possible scenario.

[Sal Paradise 57]

I enjoy listening to many different genres of music on a regular basis, from hip hop to opera to jazz to indie etc. There are few musical genres that I dislike on the whole. In conclusion: your comment is obtuse and inappropriate.

it is not a triangle and YOU are the one who is inappropriate. yeah wang, as soon as you said he went to delphi I went to "eehhhh" in my mind. my company used to do business with them. yeah, not anymore. sucks. tell your dad he'll be just fine with all the experience he has, and when he finds a new job that he really enjoys, don't forget about his son's internet friends who need a job too.

[speedz99 145]

just so you guys know, speedz is not very good at maintaining an editing chain

Do you know who you're dealing with?In the game of editing chains, you play right. Waaaay right.

[speedz99 145]

THIS IS A COMPLETE NONSEQUITUR

I disagree. My comments on outdoor showers was absolutely a sequitur.

[LadyGrey 6]

His reward for his loyal service? No pension, or at least a comically reduced one. When he retires, he will make very little, and have no health insurance. I just talked to him a few hours ago, and he's probably going to have to work until he's 62 or 65. He's been getting up before 5AM six days a week since I can remember, putting in 65 hours a week.

I can relate to this. Ever since I can remember my dad was an extremely hard worker. He has always been what my mum complained of as a "workaholic". Even when he was home from a long day at work he would spend an extra few hours working from home in the evening. He went from being Director of IT in a major hospital to working for a private company that makes software for the healthcare industry. He was one of the crucial few employees in that company, with the title of 'Creative Director' and a lot of company stock and a good wage. Unrelated to the economic crisis, that company went busto last year. He stayed on right up to the end - one of the last few out of over 100 employees to remain. Finally it was over and he was unemployed after over 12 years helping to build that company up from the ground. He was collecting the dole for a while. He is in his mid-50s now and has nothing to retire on. It doesn't help that his girlfriend and her 3 children have now moved in with him - 5 people living in a tiny 3 bedroom apartment. The little boy is sleeping on the sofa in the living room, which is now separated by a curtain. They won't be able to afford to buy a bigger place for a long time. The good news is that he has gotten together with some former colleagues and they have started their own company. So far it is going well, but he is still accepting a very small wage. It is hard to see this happen to him, because I just hope his new company is successful enough that he'll be able to retire comfortably. Right now I don't think retiring at 65 is an option for him. I have a feeling he'll be working into his seventies as long as his health permits it.He is an expert at what he does, but it is so specialised that there isn't much demand for it. I respect him a lot for working so hard and when I worked at the old company I loved to see how great he was at his job and the respect he got from everyone else. Not only that but I saw him in a social context that I'd never seen before, and I realised what a truly warm and amiable person he is. I can't work in groups; I'm bossy, uptight, and generally socially awkward. He can work with people and tell them what to do without ever being overbearing or annoying like me. Everyone in the office liked him on a personal level, and it was clear that he was popular and well-liked. Even though our relationship has been extremely fraught in the last few years, I think he is a great person and I want to see him succeed and be happy.

[LadyGrey 6]

Is that like the rare male boy?

Sigh. It gets frustrating when you consistently pick apart my jokes. I think it was pretty obvious that I wrote 'gay lesbian' deliberately for a humorous effect.

[El Guapo 8]

Wang - My mom worked at NUMI for 10 years, my families old company (which I worked at for a couple years) is about a mile from there.Pension can be scary because you have zero control over the dollars. Look at the United Airline Pilots who made 150K - 300K a year, that are getting $3,000 a month pensions because they were cut 75%. The good thing is your Dad is young enough to either keep working or possibly have a lateral movement in industries.

[speedz99 145]

Pension can be scary because you have zero control over the dollars. Look at the United Airline Pilots who made 150K - 300K a year, that are getting $3,000 a month pensions because they were cut 75%. The good thing is your Dad is young enough to either keep working or possibly have a lateral movement in industries.

Call me speedzy, but I have trouble feeling bad for someone that made 150k - 300k a year, gets 36k a year now for doing nothing, and still is having trouble making ends meet because they're jackasses with money.

[El Guapo 8]

Call me speedzy, but I have trouble feeling bad for someone that made 150k - 300k a year, gets 36k a year now for doing nothing, and still is having trouble making ends meet because they're jackasses with money.

Let's play the assumption game. You are making 150K a year as a pilot. A good portion of your paycheck is going to your pension. You buy a house at age 45 for 500,000. You plan on retiring at age 55. You expected pension is $7,000 a month. You mortgage is 300K and you did a 15 year loan so your payment is roughly 3K a month for those 15 years. You anticipate it being paid off by age 60. You retire @ 55 and the next year your pension is decreased by $4,000 a month. Your wife never worked. So now you have a 3K mortgage which what you pension is. So you are essentially living on Social Security for the rest of your bills. Now lets say he was able to sock another couple hundred grand into a deferred comp plan, so he can safely draw 5%. That is another 10K a year. Still not enough for him to live on, and if he takes large amounts out early to pay off his mortgage, half of it will go to the IRS in early w/d penalties and taxes.I feel bad for this person, because he did everything correct.

[LadyGrey 6]

Let's play the assumption game. You are making 150K a year as a pilot. A good portion of your paycheck is going to your pension. You buy a house at age 45 for 500,000. You plan on retiring at age 55. You expected pension is $7,000 a month. You mortgage is 300K and you did a 15 year loan so your payment is roughly 3K a month for those 15 years. You anticipate it being paid off by age 60. You retire @ 55 and the next year your pension is decreased by $4,000 a month. Your wife never worked. So now you have a 3K mortgage which what you pension is. So you are essentially living on Social Security for the rest of your bills. Now lets say he was able to sock another couple hundred grand into a deferred comp plan, so he can safely draw 5%. That is another 10K a year. Still not enough for him to live on, and if he takes large amounts out early to pay off his mortgage, half of it will go to the IRS in early w/d penalties and taxes.I feel bad for this person, because he did everything correct.

That lazy cunt!

[speedz99 145]

Let's play the assumption game. You are making 150K a year as a pilot. A good portion of your paycheck is going to your pension. You buy a house at age 45 for 500,000. You plan on retiring at age 55. You expected pension is $7,000 a month. You mortgage is 300K and you did a 15 year loan so your payment is roughly 3K a month for those 15 years. You anticipate it being paid off by age 60. You retire @ 55 and the next year your pension is decreased by $4,000 a month. Your wife never worked. So now you have a 3K mortgage which what you pension is. So you are essentially living on Social Security for the rest of your bills. Now lets say he was able to sock another couple hundred grand into a deferred comp plan, so he can safely draw 5%. That is another 10K a year. Still not enough for him to live on, and if he takes large amounts out early to pay off his mortgage, half of it will go to the IRS in early w/d penalties and taxes.I feel bad for this person, because he did everything correct.

Yeah, no he didn't. In this scenario the guy is living on social security because he had no other savings aside from the few hundred that he can't really touch so it barely counts. Apparently in this game our player retired while essentially living from paycheck to paycheck and putting all his eggs in one basket. Or am I missing something?Also, the half million dollar house he bought ten years ago has to be worth as much as or more likely more than that by now, even in this bad market (10 years ago was before the inflated prices, no?). Sell the house, even if it takes some time to do, and buy something that makes more sense...he's retired, buy a damn condo or something, now he's paying half as much per month and he has the extra cash from the sale of the house.But I know nothing about personal finance, so maybe everything I just wrote is gibberish. That's not sarcasm, I'm really not sure.

[brvheart 1,755]

Sigh. It gets frustrating when you consistently pick apart my jokes. I think it was pretty obvious that I wrote 'gay lesbian' deliberately for a humorous effect.

SAL is the one that called you inappropriate!

[LadyGrey 6]

SAL is the one that called you inappropriate!

Sal is my homegirl.

[El Guapo 8]

Yeah, no he didn't. In this scenario the guy is living on social security because he had no other savings aside from the few hundred that he can't really touch so it barely counts. Apparently in this game our player retired while essentially living from paycheck to paycheck and putting all his eggs in one basket. Or am I missing something?Also, the half million dollar house he bought ten years ago has to be worth as much as or more likely more than that by now, even in this bad market (10 years ago was before the inflated prices, no?). Sell the house, even if it takes some time to do, and buy something that makes more sense...he's retired, buy a damn condo or something, now he's paying half as much per month and he has the extra cash from the sale of the house.But I know nothing about personal finance, so maybe everything I just wrote is gibberish. That's not sarcasm, I'm really not sure.

Well this is a somewhat true scenario. Except in the one I witnessed he had put a lot more money away in deferred comp, so he is doing OK. But drawing down at more than 5% a year, which may blow up in the future.Putting money in Deffered comp is not all eggs in one basket. It's basically his supplemental retirement plan, like a 401K for someone who also has a pension. And sure he had 30-40 K in savings, but that is emergency money. Also in this particular situation, the home was valued at roughly a million dollars, but it was a very unique piece or property, so it is possible it could have taken 10 years to find someone who would have wanted it.I am not sure where else you think this person's money should have gone. They had liquid savings, a pension, and a retirement account. Also bought a reasonable home (500K in CA is still reasonable in most areas) and had SS coming in at age 62. The deferred comp was rolled to an IRA just like and 401k would be and a nice little income supplement. Remember he was not getting that full 150K salary, part of that was going to his pension, that got cut in over half.

[brvheart 1,755]

Reason 1845 why I'm going to go bankrupt:Mexican lady comes through my drivethru just now driving a state owned vehicle. She probably works at Iowa State. Her total... $3.24. She give me 2 dollars, 4 quarters, and a Susan B. Anthony dollar, for what she thinks is $3.25, but is actually $4.00. I see this right away, but put all the money in the drawer and get a penny out. I stand there for at least 10 seconds... then take out the Susan B and ask her if she can trade me a quarter for the extra dollar she gave me. She looked at me confused and then says, "whatever".

[brvheart 1,755]

Sal is my homegirl.

If sending you a Bible doesn't make me your homegirl then I don't know what ever will.

[speedz99 145]

Well this is a somewhat true scenario.

Color me shocked. A matted lime-green shocked.

I am not sure where else you think this person's money should have gone. They had liquid savings, a pension, and a retirement account. Also bought a reasonable home (500K in CA is still reasonable in most areas) and had SS coming in at age 62. The deferred comp was rolled to an IRA just like and 401k would be and a nice little income supplement. Remember he was not getting that full 150K salary, part of that was going to his pension, that got cut in over half.

Hey, I'm just saying that you screwed your customer and now he's going to die penniless. But really, this specific guy who made 150k is different from the upper end of the range you gave me...plus you never mentioned the liquid emergency fund. That does make the situation more understandable, though I still would never be comfortable banking (pun) on my company holding my pension and retirement account. You gotta diversify yo bonds, nigga.

[Tactical Bear 3]

Reason 1845 why I'm going to go bankrupt:Mexican lady comes through my drivethru just now driving a state owned vehicle. She probably works at Iowa State. Her total... $3.24. She give me 2 dollars, 4 quarters, and a Susan B. Anthony dollar, for what she thinks is $3.25, but it actually $4.00. I see this right away, but put all the money in the drawer and get a penny out. I stand there for at least 10 seconds... then take out the Susan B and ask her if she can trade me a quarter for the extra dollar she gave me. She looked at me confused and then says, "whatever".

Ah, but at least you are not morally bankrupt. The kingdom of heaven awaits. In my version of heaven, God says, "Everyone who believed that Bible nonsense goes to heaven, sure, but the righteous nonbelievers got to SPECIAL heaven. It is like regular heaven, except everyone in regular heaven is slightly lactose intolerant. Not a ton, just a little, so there's a little cost-benefit thing going on when they eat ice-cream. You guys? Totally lactose tolerant. We include that just for you guys up here in Special Heaven.""Also hell is pretty much the same as here, except: lots of food allergies."

[El Guapo 8]

Color me shocked. A matted lime-green shocked.Hey, I'm just saying that you screwed your customer and now he's going to die penniless. But really, this specific guy who made 150k is different from the upper end of the range you gave me...plus you never mentioned the liquid emergency fund. That does make the situation more understandable, though I still would never be comfortable banking (pun) on my company holding my pension and retirement account. You gotta diversify yo bonds, nigga.

Not a client. Just a guy that came through our office. But Wang's dad's situation reminded me of it.

[Jadaki 0]

Reason 1845 why I'm going to go bankrupt:Mexican lady comes through my drivethru just now driving a state owned vehicle. She probably works at Iowa State. Her total... $3.24. She give me 2 dollars, 4 quarters, and a Susan B. Anthony dollar, for what she thinks is $3.25, but it actually $4.00. I see this right away, but put all the money in the drawer and get a penny out. I stand there for at least 10 seconds... then take out the Susan B and ask her if she can trade me a quarter for the extra dollar she gave me. She looked at me confused and then says, "whatever".

Which DQ do you own?

[brvheart 1,755]

Which DQ do you own?

Are you going to try to take advantage of my moral goodness?I-35 and Highway 30 on the dayton ave exit of highway 30 in Ames.

[JubilantLankyLad 1,957]

Take THAT, Jesus!

[jeff_536 3]

knee surgery complete. I'm sleepy and have a fresh script of percocets, though, so I'm good.

[El Guapo 8]

knee surgery complete. I'm sleepy and have a fresh script of percocets, though, so I'm good.

Well that was quick.

[jeff_536 3]

Well that was quick.

heh