7:03 pm, April 19, 2015

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  • Counter Points
    deployed decoy
    Linda, no one needs a voucher under Obama care. Just don’t pay for any health insurance and they will put you in jail with really good health care and feed and water you. What better retirement plan could we ask for. Im thinking minimum security Boron federal prison in the high desert outside Victorville CA as my retirement home. But as one very astute commenter made this week, whacking the SSS costs 4 times as much as a reduced FERS retirement and the SSS is spread out over 6, not 25 or 30 years reducing the FERS COLA. Jonathan, I agree. It would be nice to hang around with earned income through 2013 for full FERS sick leave credit or even 6 more years for the 1.1% of high 3 (49%) at 62. But I really agree with you. Congress screws this all up this year and OPM will be back logged until 2119 processing federal retirement checks. They sure would need to change the law again if everyone was getting close to 50% with basic FERS and getting COLAs the first year out. M, again agree with you. Congress for the most part are a collective team of tax cheats, kick back recipients and will do anything when offered a golden knee pad visit as payment. I still vote to tax the untaxed, those working in my building here in Kuwait of contractor status. They are federal income tax free on just under $90,000, some make 3 times this tax free limit and grip they have to pay taxes on $150k of the $240k they earn, and cry the can no longer sneak into the USA 2 or 3 months a year through Canada so they are forced to go on vacation to Europe 3 times a year. I wonder if the private sector wages are part of the numbers that recently showed once again how over paid feds are. Then tax all US corporations that have off shored, something like $35,000 per job they moved off shore. Then revoke all US Citizenship and Visas for the Americans part of these corporations that refuse to play along. Very simple really, those Caribbean islands will figure out the ubber rich now have no place else to go and tax them at 50% of everything just to get off the island to go fishing (for a new tax haven).
    { "Agree":"1","Funny":"1","Insightful":"1","Disagree":"-1","Offensive":"-1","Troll":"-1" }
  • Today's column was bad
    contrarian
    Linda at IRS must be a CSRS employee to pick the worst FERS option as her first choice. Shame on Mike for leading with it.
    { "Agree":"1","Funny":"1","Insightful":"1","Disagree":"-1","Offensive":"-1","Troll":"-1" }
  • Shame on Contrarian
    Moderate
    Or Linda plans to retire after age 62. Therefore, the SSS would be irrelevant. Actually, shame on you for wanting CSRS people to sacrifice more than you will.
    worker
    { "Agree":"1","Funny":"1","Insightful":"1","Disagree":"-1","Offensive":"-1","Troll":"-1" }
  • The best laid plans of Mice and Moderates
    contrarian
    Just because the SSS is irrelevant to you, doesn't mean it's not for the rest of us. Now who's being selfish? Don't worrying I'll be sacrificing more than my fair share, I always do.
    { "Agree":"1","Funny":"1","Insightful":"1","Disagree":"-1","Offensive":"-1","Troll":"-1" }
  • Contrarian
    Moderate
    Please learn how to read. I wrote that Linda plans to retire at age 62 or later. Therefore, it is irrelevant as SSS is not given when you retire at age 62. Therefore, I am not being selfish. I am stating the facts.
    worker
    { "Agree":"1","Funny":"1","Insightful":"1","Disagree":"-1","Offensive":"-1","Troll":"-1" }
  • NEARLY USELESS FACTOID
    Cindi
    Good thing to know, by the time they are done with us we may need that lint. :)
    { "Agree":"1","Funny":"1","Insightful":"1","Disagree":"-1","Offensive":"-1","Troll":"-1" }
  • Otions
    Linda
    I agree the insurance voucher issue could be a big one in the future (I'm a Linda, but not that one). Because Congress starts out reasonable, they would allow enough voucher to cover good health care, then not index it for inflation. Over 10 years you'd be lucky to pay for a high deductible insurance that covers next to nothing. And if they do the voucher system for employees, retirees will be next. Medicare doesn't cover much a lot of the time, especially with cancer drugs, and other medications that really add up. Most people I know have a insurance suppliment with their Medicare.
    { "Agree":"1","Funny":"1","Insightful":"1","Disagree":"-1","Offensive":"-1","Troll":"-1" }
  • Bad or Worse
    Linda
    All of the proposals are bad, and I have resigned myself to seeing one or more being pushed through this year. To me, I agree the SSS is the least worrisome. I don't plane until retiring until 62 any, but then again I am FERS, so that is when the kicker starts........... But, I know of a case where a lady retired in the private sector, then was complaining about paying cash for her prescriptions because her Medicaid hasn't started yet. MEDICAID, not Medicare. She isn't even 62, had a job and voluntarily left it to "retire" and can't afford insurance. What are these people thinking? Probably as much as another person who had a 3500 square foot house, a nice business in town and no insurance.........Due to a disease she now has, she will probably loose everything and also be on Medicaid. Although, now she can get insurance even with this pre-exisiting condition. The rest of us will pay for it in the end..........I also have a friend who has 5 kids and a 5000 square foot house, and until I talked him into a high deductible plan, had no insurance as he was self employed.............Those are all choices people make as to what they will and will not pay for. And in the end those of us who save for our retirement, work for a reasonable wage and don't live outside our means end up paying for it............I agree the system needs to change. The give a way programs need to stop trying to give people a middle class life style on minimum wage.
    { "Agree":"1","Funny":"1","Insightful":"1","Disagree":"-1","Offensive":"-1","Troll":"-1" }
  • Change?
    Moderate
    I am not so sure that anything affecting us, FERS or CSRS, will be pushed through. I do believe something will be pushed through for new employees. I believe that is what was done when CSRS was closed and FERS was opened. Another possibility is to grandfather those older than a certain age or with so much time in and change it for the rest.
    worker
    { "Agree":"1","Funny":"1","Insightful":"1","Disagree":"-1","Offensive":"-1","Troll":"-1" }
  • Grandfather
    Rob
    It'll be interesting to see what, if anything, the House and Senate can agree to. My bet is any changes to retirement benefits will be phased in and won't impact employees who are near retirement age. Where the cutoff falls is the big question. I think it'll be in the 44-50 year old range.
    { "Agree":"1","Funny":"1","Insightful":"1","Disagree":"-1","Offensive":"-1","Troll":"-1" }
  • Hope you are wrong, but I really do not know
    Moderate
    Your position is realistic, but bad even for the 44 year old. He (she) may have 20 years in. That type of change in midstream is totally unreasonable. However, it depends on the power of those who want the change.
    worker
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