Here come the tariffs

[thegeneral 3,208]

3 minutes ago, Hardcore troubadour said:

What you should be questioning is that he didn’t know about the HI prior to taking the job. It’s a fairly simple bit of information easily obtained. That would be the main reason someone would take the job with so few hours. But you and gutter are so fockin eager you don’t even know how to go at it effectively. 

I think it’s a great deal. I would STFU about it because if some evil liberal were to talk about this you asshats would be complaining about it as waste.

Here’s where you act as if that isn’t the case

[Hardcore troubadour 15,414]

Just now, thegeneral said:

I think it’s a great deal. I would STFU about it because if some evil liberal were to talk about this you asshats would be complaining about it as waste.

Here’s where you act as if that isn’t the case

If it’s five hours a month? Yeah it’s waste. Happy? 

[JuneJuly 210]

10 minutes ago, seafoam1 said:

Since I didn't take out of my stocks or IRA, I only made like 12,000 last year. Started the job in May 2024 and worked little. I pay about $120 a month for the insurance and got all my tax dollars back. Plus, the job keeps me active. It's not as easy as one would think. 

$23,000 (17,000 for single) is the sweet spot for getting free ACA insurance if you decide not to work.  Anything less than that is Medicaid.  

Another thing you should think about doing is rolling over that IRA to Roth.  Pay the tax now while youre in a low tax bracket.  You can roll 48K per year before you hit the 22% tax bracket. Then you'll never pay tax again.  Surprised these financial guys you pay haven't suggested that.  

Another advantage to being married, you could roll 97K per year. 

 

[Ron_Artest 1,506]

2 minutes ago, Hardcore troubadour said:

No to get health insurance dumbass. 

According to Chat GPT, for rural carriers you need to 16-32 hours per week to get a pro-rated contribution towards premiums.

Peefoam is clearly lying.

[thegeneral 3,208]

Just now, Hardcore troubadour said:

If it’s five hours a month? Yeah it’s waste. Happy? 

1.2 days a week for a year now. Yeah that’s a great loophole Peefoam found himself.

[thegeneral 3,208]

I have always thought a mail carrier would be a good gig…pay aside.

My mailman is happy as hell. Dude is listening to music and podcasts, probably baked. Had my route forever so when I see him I say hi and how’s it going and he almost always says “awesome”

 

[Ron_Artest 1,506]

How do you survive on $1,000 a month?

[Ron_Artest 1,506]

Just now, thegeneral said:

I have always thought a mail carrier would be a good gig…pay aside.

My mailman is happy as hell. Dude is listening to music and podcasts, probably baked. Had my route forever so when I see him I say how and how’s it going and he almost always says “awesome”

 

I think mowing grass would be better.  Something about mowing grass is very satisfying to me.

[thegeneral 3,208]

We cut budgets at the National Parks, Sesame Street, weather forecasters for national emergency services, on and on. All was applauded as necessary and vital…think of the deficits!!1!2!….but a position carrying mail for a little over a day a week gets full insurance on top of everything else and that’s cool!!

Yeah I’m just saying some perspective here people 

[seafoam1 3,017]

 

2 minutes ago, JuneJuly said:

$23,000 (17,000 for single) is the sweet spot for getting free ACA insurance if you decide not to work.  Anything less than that is Medicaid.  

Another thing you should think about doing is rolling over that IRA to Roth.  Pay the tax now while youre in a low tax bracket.  Then you'll never pay tax again.  Surprised these financial guys you pay haven't suggested that.  

 

Interesting. I had insurance from my previous job through the time I started my new job. I never even looked at ACA. 

I hadn't thought of what you are saying, but from here on out, I plan on ALWAYS being in low tax bracket unless something weird comes along. I have head hunters after me all the time, but I have no interest in going back to that space. 20+ years of sitting on planes, no thanks. And work from home? I'm done with that too honestly. 

But what you have brought up is interesting. Something for me to think upon. 

 

[thegeneral 3,208]

6 minutes ago, Ron_Artest said:

I think mowing grass would be better.  Something about mowing grass is very satisfying to me.

Whatever floats your boat!

[JuneJuly 210]

2 minutes ago, Ron_Artest said:

How do you survive on $1,000 a month?

Who said that?

[seafoam1 3,017]

13 minutes ago, Ron_Artest said:

According to Chat GPT, for rural carriers you need to 16-32 hours per week to get a pro-rated contribution towards premiums.

Peefoam is clearly lying.

Dumbass. You need 500 more links to prove you wrong? Focking idiot.

Yes, Rural Carrier Associates (RCAs) in the USPS are generally eligible for health insurance through the Postal Service. 

[seafoam1 3,017]

1 minute ago, JuneJuly said:

Who said that?

He has me blocked and hasn't seen a bit of what is going on but feels the need to lash out. He an angry liberal. 

[JuneJuly 210]

2 minutes ago, seafoam1 said:

 

Interesting. I had insurance from my previous job through the time I started my new job. I never even looked at ACA. 

I hadn't thought of what you are saying, but from here on out, I plan on ALWAYS being in low tax bracket unless something weird comes along. I have head hunters after me all the time, but I have no interest in going back to that space. 20+ years of sitting on planes, no thanks. And work from home? I'm done with that too honestly. 

But what you have brought up is interesting. Something for me to think upon. 

 

ACA has a cliff so you have to plan carefully.  Somewhere around 85K and it looks at your MAGI so capital gains are in there too. If you screw it up you pay all the subsidies back at tax time.  I'll be doing 401k rollovers up to the cliff ever single year. 

[Ron_Artest 1,506]

6 minutes ago, JuneJuly said:

Who said that?

peefoam

Since I didn't take out of my stocks or IRA, I only made like 12,000 last year.

Unless he's drawn cash from savings...

[seafoam1 3,017]

2 minutes ago, Ron_Artest said:

peefoam

Since I didn't take out of my stocks or IRA, I only made like 12,000 last year.

Unless he's drawn cash from savings...

Keep trying peanut. It's called retirement. Is that too big a word for you? Or do you just never see that day coming for you? Maybe post less, and work more. 

[JuneJuly 210]

12 minutes ago, Ron_Artest said:

peefoam

Since I didn't take out of my stocks or IRA, I only made like 12,000 last year.

Unless he's drawn cash from savings...

 Minor in finance?

Duh.  You paid income on the cash you have in the bank a long time ago. That includes savings, Brokerage, Roth IRA , 401k Roth, After Tax 401k, HSA*, and others.  

Really regular IRA and 401k are the only ones that count as income.  

I got a News Flash for you:  Most successful retirees have very little actual income in retirement.  Boy do you have a lot to learn before you can start planning for retirement.  

 

*actually you never pay any taxes on HSA.  

[Ron_Artest 1,506]

1 minute ago, JuneJuly said:

 Minor in finance?

Duh.  You paid income on the cash you have in the bank a long time ago. That includes savings, Brokerage, Roth IRA , 401k Roth, After Tax 401k, HSA*, and others.  

Really regular IRA and 401k are the only ones that count as income.  

I got a News Flash for you:  Most successful retirees have very little actual income in retirement.  Boy do you have a lot to learn before you can start planning for retirement.  

JFC you're dense.  Relax and stop acting like a spastic doosh.

He didn't touch his investments, he made $12k as a mailman.  How do you live on $12k while paying rent, groceries, car, vacations, all the stuff peefoam says he does?

That would mean he drew down on cash.

Here is a tip, peefoam lies about everything.  I can see why you're best buds with him now.

[JuneJuly 210]

18 minutes ago, Ron_Artest said:

JFC you're dense.  Relax and stop acting like a spastic doosh.

He didn't touch his investments, he made $12k as a mailman.  How do you live on $12k while paying rent, groceries, car, vacations, all the stuff peefoam says he does?

That would mean he drew down on cash.

Here is a tip, peefoam lies about everything.  I can see why you're best buds with him now.

Cash is the very first thing you spend in early retirement dumbasss. 

What exactly do you think people live on until theyre 59.5?

I'm going to be drawing down on cash for at least 10 years.  

I'll try to help anyone with this stuff, I don't care if they lie or not. Not that big of a deal to me, it doesn't change the fundamentals.  

[seafoam1 3,017]

20 minutes ago, JuneJuly said:

Cash is the very first thing you spend in early retirement dumbasss. 

What exactly do you think people live on until theyre 59.5?

I'm going to be drawing down on cash for at least 10 years.  

Seriously. The guy doesn't understand the concept of retirement and spouts his opinions about everything under the sun like he knows what he's talking about. 

I would say it's sad, but at this point, it's pure comedy. 

I'll be drawing cash for about 6 more years at this point. Well, that's what I have in my savings accounts anyway. 

And who at this age has car payments? 

[Ron_Artest 1,506]

17 minutes ago, JuneJuly said:

Cash is the very first thing you spend in early retirement dumbasss. 

What exactly do you think people live on until theyre 59.5?

I'm going to be drawing down on cash for at least 10 years.  

I'll try to help anyone with this stuff, I don't care if they lie or not. Not that big of a deal to me, it doesn't change the fundamentals.  

Keeping 10 years of cash is dumb.  Any cash you started the year with, you lost 10% compared to other currencies.  I would advise you put some of that cash into safe investments.

[seafoam1 3,017]

8 minutes ago, Ron_Artest said:

Keeping 10 years of cash is dumb.  Any cash you started the year with, you lost 10% compared to other currencies.  I would advise you put some of that cash into safe investments.

Finance minor guy doesn't understand diversity with your money.

This is the exact same guy who came on this site in February and announced he pulled everything he has out of the market because of Trump. And now he:s trying to "advise" others.  

This right here is AWESOME. 

[JuneJuly 210]

Just now, Ron_Artest said:

Keeping 10 years of cash is dumb.  Any cash you started the year with, you lost 10% compared to other currencies.  I would advise you put some of that cash into safe investments.

I'd define cash as anything that's not in a tax sheltered account. For me that includes savings and brokerage.  The brokerage is made up of all sorts of things, and yes including high interest savings currently at 4%.  But the majority is well diversified in index funds. ETFs because it's a taxable account.  

[Note: you were talking about seafoam who clearly said he a bunch of old company stock. He clearly has a brokerage account]

I plan to not touch any of my retirement/tax sheltered accounts until I'm 65. If those go untouched until then I'll be loaded.  

You have a very tiny view of cash if you think it's just checking and savings.  

[JuneJuly 210]

8 minutes ago, seafoam1 said:

Finance minor guy doesn't understand diversity with your money.

This is the exact same guy who came on this site in February and announced he pulled everything he has out of the market because of Trump. And now he:s trying to "advise" others.  

This right here is AWESOME. 

NEWS FLASH:  Retired guy lives off his hard earned cash!!!!!  

[seafoam1 3,017]

1 minute ago, JuneJuly said:

NEWS FLASH:  Retired guy lives off his hard earned cash!!!!!  

Such a new concept. I guess they didn't teach that in his school.  

[Ron_Artest 1,506]

5 minutes ago, JuneJuly said:

I'd define cash as anything that's not in a tax sheltered account. For me that includes savings and brokerage.  The brokerage is made up of all sorts of things, and yes including high interest savings currently at 4%.  But the majority is well diversified in index funds. ETFs because it's a taxable account.  

[Note: you were talking about seafoam who clearly said he a bunch of old company stock. He clearly has a brokerage account]

I plan to not touch any of my retirement/tax sheltered accounts until I'm 65. If those go untouched until then I'll be loaded.  

You have a very tiny view of cash if you think it's just checking and savings.  

peefoam said he didn't touch his stocks or IRA, that means brokerage, that means he's either living off the $12k or drawing from checking/savings/MM.

cash is cash.  You're an idiot.

[seafoam1 3,017]

3 minutes ago, Ron_Artest said:

peefoam said he didn't touch his stocks or IRA, that means brokerage, that means he's either living off the $12k or drawing from checking/savings/MM.

cash is cash.  You're an idiot.

He doesn't stop. 

It's like....whoosh...right over his head. 

Please keep this going gutterboy. 

[thegeneral 3,208]

9 minutes ago, JuneJuly said:

NEWS FLASH:  Retired guy lives off his hard earned cash!!!!!  

Supplemented by tax payers with his 4 day a month gov gig!

 

[seafoam1 3,017]

Just now, thegeneral said:

Supplemented by tax payers with his 4 day a month gov gig!

 

So you hate people who work during retirement? 

[easilyscan 924]

2 hours ago, seafoam1 said:

When I retired I didn't want to stop being accountable or active. I took a job as a rural mail carrier at the USPS. (Very different than city carrier). When I got assigned to a certain office, I mentioned I don't need to work a lot but am willing to. I basically, for the past year+ have worked about 4-5 days a month. Depending on the season. 

But even working that little, I get full health insurance. It's pretty nice. 

That's great, but it would also explain this.

https://thehill.com/opinion/congress-blog/3993213-the-imploding-us-postal-service-bailout/

[JuneJuly 210]

16 minutes ago, Ron_Artest said:

peefoam said he didn't touch his stocks or IRA, that means brokerage, that means he's either living off the $12k or drawing from checking/savings/MM.

cash is cash.  You're an idiot.

OK. Let's go with your tiny definition cash. It's normal in retirement to have 1-2 years worth of cash. Especially when you can get 4% guaranteed. You pay yourself with that cash instead of working for a paycheck.  You sell stuff strategically because of taxes (tax harvesting at the end of the year for example) to replenish that cash. Did you notice him asking when to start selling his stocks?  

I'm trying to help you here. You really need to start thinking this way if you ever want to retire.  Even if you don't retire early you still want to live off cash first and have a strategic plan for that. 

[seafoam1 3,017]

14 minutes ago, easilyscan said:

That's great, but it would also explain this.

https://thehill.com/opinion/congress-blog/3993213-the-imploding-us-postal-service-bailout/

This is not a career job for me. I just like going to work and when I'm out in the field, literally 90% of the people I greet have smiles on their faces. Everyone loves their mail carriers.

I never had, and never will have any political stand as far as the mail service. I like small government and if the mail service went into non government hands, I wouldn't care.

I just do it to stay active. 

[easilyscan 924]

1 minute ago, seafoam1 said:

This is not a career job for me. I just like going to work and when I'm out in the field, literally 90% of the people I greet have smiles on their faces. Everyone loves their mail carriers.

I never had, and never will have any political stand as far as the mail service. I like small government and if the mail service went into non government hands, I wouldn't care.

I just do it to stay active. 

Understood

[thegeneral 3,208]

22 minutes ago, seafoam1 said:

So you hate people who work during retirement? 

You just make sure you deliver those Publishers Clearing House envelops on time, Strawman!

Don’t mess up that deal you got going on!

[Dizkneelande 1,097]

The US just posted a surprise surplus of +$27 Billion for the month of June.

🟢 Total Receipts: $526B
Total Outlays: $499B

June 2024 was a deficit of -$71 Billion.

Tim is a more retarded version of Jim Cramer 

[seafoam1 3,017]

1 minute ago, thegeneral said:

You just make sure you deliver those Publishers Clearing House envelops on time, Strawman!

Don’t mess up that deal you got going on!

That's funny. The difficult part of being an RCA is you deliver multiple routes depending on who.is out. Casing and pulling down can take a long time, and delivering a route you don't know all that well is a bltch too.

But one route I know well has an area of an elderly condo residence and they always come out and ask if I'm bringing them big checks today in jest. They are awesome. 

They always offer bottles of water in the summer. It's refreshing to see people be so kind all the time. 

[seafoam1 3,017]

4 minutes ago, Dizkneelande said:

The US just posted a surprise surplus of +$27 Billion for the month of June.

🟢 Total Receipts: $526B
Total Outlays: $499B

June 2024 was a deficit of -$71 Billion.

Tim is a more retarded version of Jim Cramer 

Shocking. Amirite? 

[Ron_Artest 1,506]

15 minutes ago, JuneJuly said:

OK. Let's go with your tiny definition cash. It's normal in retirement to have 1-2 years worth of cash. Especially when you can get 4% guaranteed. You pay yourself with that cash instead of working for a paycheck.  You sell stuff strategically because of taxes (tax harvesting at the end of the year for example) to replenish that cash. Did you notice him asking when to start selling his stocks?  

I'm trying to help you here. You really need to start thinking this way if you ever want to retire.  Even if you don't retire early you still want to live off cash first and have a strategic plan for that. 

Let's be honest here, you're not trying to help me and I don't need your help.

[seafoam1 3,017]

1 minute ago, Ron_Artest said:

Let's be honest here, you're not trying to help me and I don't need your help.

Cause you are broke. And spend all your time posting online instead of working.