My New Job

[GTOguy]

I've determined, one + year after my retirement, that I am going to apply myself to my new job 100%. So far I've been unsuccessful, but I will stick with it day by day until I push through the barriers and meet with success.

My new job is to be able to talk to a human being at Social Security to make my actual physical appointment to get the ball rolling.

I was able to go online, and have them mail me the packet, and give me a contact person name, and a number to call. But to follow up after that is a challenge of a lifetime. All SS wants you to do is hang up, get back on line, and start over. I don't need to start over. I need to move forward to the next step they told me to move forward to.

So far, 45 minutes on hold, with automated apologies for long wait times, understaffing, and phone call break-ups and drop-outs.

Impressive.

Almost as good as the certified letter I need to close a Bank of Hawaii checking account that has 38 cents in it. I'll work on that next, if I get to talk to a Human at Social Security.

Or me having to retire on line since my retirement agency hasn't been to the office for consultations since April 2020, and are sitting home getting full salary because covid.

Better go plug my phone into the charger. It's gonna be a long one.....

[Don Rickles]

Looking forward to seeing less of you here!:seasix:

[6spdC6]

I've determined, one + year after my retirement, that I am going to apply myself to my new job 100%. So far I've been unsuccessful, but I will stick with it day by day until I push through the barriers and meet with success.

My new job is to be able to talk to a human being at Social Security to make my actual physical appointment to get the ball rolling.

I was able to go online, and have them mail me the packet, and give me a contact person name, and a number to call. But to follow up after that is a challenge of a lifetime. All SS wants you to do is hang up, get back on line, and start over. I don't need to start over. I need to move forward to the next step they told me to move forward to.

So far, 45 minutes on hold, with automated apologies for long wait times, understaffing, and phone call break-ups and drop-outs.

Impressive.

Almost as good as the certified letter I need to close a Bank of Hawaii checking account that has 38 cents in it. I'll work on that next, if I get to talk to a Human at Social Security.

Or me having to retire on line since my retirement agency hasn't been to the office for consultations since April 2020, and are sitting home getting full salary because covid.

Better go plug my phone into the charger. It's gonna be a long one.....

Can you go in person? When my wife and I signed up for our SS benefits, we did it in person. Will tell you we were about the only white older people in the waiting area.

[GTOguy]

Can you go in person? When my wife and I signed up for our SS benefits, we did it in person. Will tell you we were about the only white older people in the waiting area.
I'm on hold now to make an appointment to go in person. No walk-ins because covid.

[GTOguy]

Looking forward to seeing less of you here!:seasix:
Sadly, I can't accommodate you, Sir. I am on hold and on the phone with SS right now as I type this.

Screw you and your comb-over. :yesnod:

[GTOguy]

Can you go in person? When my wife and I signed up for our SS benefits, we did it in person. Will tell you we were about the only white older people in the waiting area.

And probably the only people who actually contributed to SS, too.

Still on hold. I think it's an hour now.

[DJ_Critterus]

[/B]

And probably the only people who actually contributed to SS, too.

Still on hold. I think it's an hour now.

Plug that charger into the phone. You'll get through just before Close of Business and be told to call back tomorrow.

[GTOguy]

Still on hold.

[Dan47]

Still on hold.

^ Climate Change. :yesnod:

They’re going to keep you on hold until you tap out or use up all your carbon credits. :waiting:

[Frankie the Fink]

Still on hold.
I will say my in person visit to the SS office here nearby in Florida was pleasant once I got called to an agent in turn with 30 Spanish-speaking people in their 20s and 30s with kids running all over (explain that).

I am in a very oddball situation having done 27 years in the Federal gov't, NOT under SS and then leaving and coming back in under a modified pension system partially under SS and then working another 27 years outside the government with full SS.

The young man at the desk worked with me for 45 minutes to get all the documentation and application correct.

[GTOguy]

They picked up and told me I had to physically go to the local office and wait to be processed. No appointments, no other information.

Total waste of time.

[Big bob]

73269


:rofl::rofl::rofl:

[Don Rickles]

The all around kinda guy, huh? You suck dick, kiss ass, and take it up the butt….:seasix:

[Big bob]

73270

73271

[Onebadcad]

ssa is a piece of cake, try calling the irs when you have a free month, or two.
Federal, state, county and city govs could cut workforce by 15+% and you would see no decrease in customer service.

[GTOguy]

On hold at the local office trying to get an appointment so I don't have to wait all day with sick young people and their huge families.

[GTOguy]

The all around kinda guy, huh? You suck dick, kiss ass, and take it up the butt….:seasix:

Another queer I have to put on ignore like the other two.

No problem. Done.

[GTOguy]

No offense, but the Troll in your avatar would look totally cool as a mural on each side of the van. The 20-something chicks would be drawn like flies.
Hell yes.

73273

[GTOguy]

On hold for 19:31 at the local office. Finally rang and a recording said 'all of our operators are busy. Good-bye" and hung up.

[MidLifeinMI]

Probably took me 20 minutes online to get SS set up - who needs people?

[Big bob]

Probably took me 20 minutes online to get SS set up - who needs people?


That is how most do it. But his way is more entertaining. :seasix:

[Don Rickles]

Another queer I have to put on ignore like the other two.

No problem. Done.

You’re right GTO! That was uncalled for! Sorry pal

[Onebadcad]

I am currently on hold for 38+ minutes with the State of FL Dept of Fin Svcs, I am taking all bets for the over / under on one hour.

[GTOguy]

I went as far as I could on line. They mailed me the application packet. Next step is to hand them my birth certificate, passport, Driver's License, and receipt for my retirement pension. All of this has to be mailed in (heaven forbid) or handed physically to an agent at SS. There is no way to do this 'on line' as they want original documents, not scans or PDF's. Being born in Europe has something to do with this, I'm sure. Also, the pension.
Would be easier to get SS if I were a 25 year old illegal from Haiti. Being a white guy who paid into it since 1979....not so much.

[LATB]

[/B]

And probably the only people who actually contributed to SS, too.

Still on hold. I think it's an hour now.

None of us have directly contributed to SS.

[DAB]

i get to deal with them next March....yay....

[Bruze]

FWIW: I signed up for SS online in 2013, never left my living room or used a phone. At least that's my memory, for what good that is.

Goat - you not being born here (yet being a law-abiding and productive citizen) may have something to do with the problems you're having -- as you noted. :(

[Big bob]

Bullshit certified copies work just fine, :slap:

[slewfoot]

You guys seem to get yourselves into some strange shit sometimes.

I applied for Social Security online last summer with no problems, picked my start date of this January 2023 and they sent me an approval and a start date.

[Yadkin]

ssa is a piece of cake, try calling the irs when you have a free month, or two.
Federal, state, county and city govs could cut workforce by 15+% and you would see no decrease in customer service.

Cut it by 50% and you will see an increase in service, because the ones still there won't have someone else to talk bullshit to.

[Yadkin]

You guys seem to get yourselves into some strange shit sometimes.

I applied for Social Security online last summer with no problems, picked my start date of this January 2023 and they sent me an approval and a start date.
That big blue capital D tattooed to your forehead really opens doors with FedCo. :Jeff '79:

[Don Rickles]

You're all starting SS at 62?

[Bruze]

You're all starting SS at 62?

I started at 63.

- I was self-employed and had some serious health issues, I thought I might not be able to work. That didn't happen, so I kept on working (although I slacked off some and didn't have to hustle so much) and invested a lot of my SS.

- I was forced to quit in early '21 because of severe arthritis.

There is no way of knowing what the best age is to take SS, unless you know when you're going to die. :eek:

SS calculates that one will get about the same total amount no matter when you start it, based on the average age of death. Take it early, get less per month, but receive it for more years.

FWIW: No regrets here. :)

[6spdC6]

You're all starting SS at 62?

Why not, I did. Retired from my construction union at age 55, had to wait a few more years to start getting back some of the money that was taken from me by the goverment when I worked.


You might as well get it early you do not know low long you will live or what the idiot democrat politicians will do to it. They are real good at wasting other peoples money!-:cuss:

[Big bob]

You're all starting SS at 62?


He'll ya take it as soon as you can. If you're still haven't made it by then chances are you never will.:slap:

[Don Rickles]

“Waiver: Using advice from hockey pucks on a Corvette forum might jeopardize your wellbeing!”

So, Assuming that your highest earning years are the final 3/5 years before full retirement age (67). The amount you will expect to receive will be almost double vs. taking your SS @ 62. During this period you’ll then be taxed on both income and SS…..

I’m not seeing the math equation working out to more by taking it early…..

Reversal, Now add the risk of dropping dead….

Call me stupid….???:confused5::confused5::confused5:

[jw38]

ssa is a piece of cake, try calling the irs when you have a free month, or two.
Federal, state, county and city govs could cut workforce by 15+% and you would see no decrease in customer service.

:iagree: I read an article a few months ago that said the IRS answers less than 6% of calls! They should put the 87,000 extra "agents" on phone duty.

I've called my local SSA office (San Antonio) several times and I've never waited more than 2-3 minutes for someone to answer.

[GTOguy]

No reply from SS to my email to get an appointment. Once again for the few who insist I can do it all online: I DID it online. The NEXT STEP, as outlined in the packet they sent me, is to physically supply them with my birth certificate (original), proof of pension payment, passport, and driver's license. I was born in Europe at an American military hospital and it complicates things. I had to go to the German Consulate 35 years ago just to get my first passport. Total pain in the ass. You native- born ****s have no idea how easy you have it, sitting on your fat asses typing up hate and discontent. (you know who you are) It's complicated.

[Bruze]

Suppose you do not need the extra income of waiting to get SS. Why would you not take SS early? The stupid would wait and have their heirs enjoy that little extra money you got from waiting on SS payments.:seasix:

See my post #39. It doesn’t matter when you take it UNLESS you know what year you’re going to croak. Then you can plan around it. 🤣

[Big bob]

No reply from SS to my email to get an appointment. Once again for the few who insist I can do it all online: I DID it online. The NEXT STEP, as outlined in the packet they sent me, is to physically supply them with my birth certificate (original), proof of pension payment, passport, and driver's license. I was born in Europe at an American military hospital and it complicates things. I had to go to the German Consulate 35 years ago just to get my first passport. Total pain in the ass. You native- born ****s have no idea how easy you have it, sitting on your fat asses typing up hate and discontent. (you know who you are) It's complicated.

Well you foreign born ****s had your whole life to see this coming then whine when you wait till the last minute. :rofl:

[6spdC6]

“Waiver: Using advice from hockey pucks on a Corvette forum might jeopardize your wellbeing!”

So, Assuming that your highest earning years are the final 3/5 years before full retirement age (67). The amount you will expect to receive will be almost double vs. taking your SS @ 62. During this period you’ll then be taxed on both income and SS…..

I’m not seeing the math equation working out to more by taking it early…..

Reversal, Now add the risk of dropping dead….

Call me stupid….???:confused5::confused5::confused5:

Well two things.

1--Not everybody is going to continue working.

2---You are putting way to much trust in a goverment that could easily pass some bullchit law and take your SS away from you or reduce it drastically to do things like give money to the illegal invaders of this country. AKA as know as immigrants by the democrat politicians, I prefer the term criminals!

Get your money as fast as you can, like you have heard a bird in hand is better than one in the bush.

[Don Rickles]

Well two things.

1--Not everybody is going to continue working.

2---You are putting way to much trust in a goverment that could easily pass some bullchit law and take your SS away from you or reduce it drastically to do things like give money to the illegal invaders of this country. AKA as know as immigrants by the democrat politicians, I prefer the term criminals!

Get your money as fast as you can, like you have heard a bird in hand is better than one in the bush.

Ok

So, based on your fear accept the lessor? :confused5::slap:

[6spdC6]

Ok

So, based on your fear accept the lessor? :confused5::slap:

Not fear, knowledge of history and some common sense.

You do what is best for you and I will do the same.:cert:

I have made my plans and will live with that, at 77 I have seen a lot and the future does not look good.

[Don Rickles]

Not fear, knowledge of history and some common sense.

You do what is best for you and I will do the same.:cert:

I have made my plans and will live with that, at 77 I have seen a lot and the future does not look good.

Please understand I’m trying to figure out just that! What’s best!!!!

Again numbers…. It might be tough to figure out but you have been collecting for 15 yrs now (I’m guessing). Add the totals. What you have received minus taxes. Vs. what the total would have been if you waited til full retirement…….? How much you would have increased monthly is the question?

No argument here! Dude I’m trying!!!

[LATB]

Is this post a joke? Not everyone has a crystal ball to tell them how long they will live. Taking SS early lets you also invest the funds. Which may outperform any reduction you get at full SS age:seasix:

Taking the benefit early is a mistake IMO if you continue to have earned income.

FRA for the win.

[Bruze]

Please understand I’m trying to figure out just that! What’s best!!!!

Again numbers…. It might be tough to figure out but you have been collecting for 15 yrs now (I’m guessing). Add the totals. What you have received minus taxes. Vs. what the total would have been if you waited til full retirement…….? How much you would have increased monthly is the question?

No argument here! Dude I’m trying!!!

Okay, I'll help you figure it out. It's not complicated.

First: Tell me what year you're going to die . . .

[JetMechZ16]

The offices here are open for appointments. Even when they weren't you could bring those documents to the office and give them to the supervisor there who would scan it into the system and sent to your SS agent.

[Don Rickles]

Okay, I'll help you figure it out. It's not complicated.

First: Tell me what year you're going to die . . .

Eldest male in familly tree= 72
Eldest female in family tree=98

My lifestyle=99% healthier, minus some recent alcohol use....:seasix:


edit: Term Life insurance ends at 72.

[GTOguy]

I see the government in the near future either taxing more or reducing your SS benefit if you have other substantial income like pension and investments. The only people who will be getting total SS will be the people who never planned for retirement.:seasix:
That, and the people who never paid into it and are not legal citizens.

There is already talk of an 'adjustment' being made to mine because I planned ahead and didn't live beyond my means and lined things up.

We'll see. My next step is going to the SS field office. Either tomorrow or Thursday. It's very cold in the mornings, so that may keep the ghetto dwellers home in bed while I camp out in line. :seasix:

[Bruze]

Okay, I'll help you figure it out. It's not complicated.

First: Tell me what year you're going to die . . .

Eldest male in familly tree= 72
Eldest female in family tree=98

My lifestyle=99% healthier, minus some recent alcohol use....:seasix:

edit: Term Life insurance ends at 72.

That's all well and good, but I need to know how old you'll be when you croak. https://i.postimg.cc/tCLrF1Jj/whistle.gif

[ZipZap]

Do you have some complications? Took me about ten minutes online, and got a letter stating it will start in February. I'm taking all they'll give me before they inevitably apply means testing.

[6spdC6]

Please understand I’m trying to figure out just that! What’s best!!!!

Again numbers…. It might be tough to figure out but you have been collecting for 15 yrs now (I’m guessing). Add the totals. What you have received minus taxes. Vs. what the total would have been if you waited til full retirement…….? How much you would have increased monthly is the question?

No argument here! Dude I’m trying!!!

Sorry to take so long getting back to you. I'm rarely on line after 4.30 or so

When the time came for me to retire I had a good talk with the accountant that does my taxes. I have a good pension (with great health insurance) and thusly a good SS payment. I had no plans of going back to work as my house has no mortgage and as bantered around no clue when I was going tits up. We (mostly the accountant) crunched all the numbers and that included my wife retirement a few years after mine.

As far as the bolded above everything as best as we could was set up per the rules in force. I'm not about to investigate it all as of now is working out fine, and hopeful will remain that way.. What works for me and wife probably will not work for a lot of people. Again the idiocy in goverment is the red elephant stomping around, no one knows what those clowns will think up but it has a good chance of really wrecking the middle class.

Good luck!:cert:

[Don Rickles]

Sorry to take so long getting back to you. I'm rarely on line after 4.30 or so

When the time came for me to retire I had a good talk with the accountant that does my taxes. I have a good pension (with great health insurance) and thusly a good SS payment. I had no plans of going back to work as my house has no mortgage and as bantered around no clue when I was going tits up. We (mostly the accountant) crunched all the numbers and that included my wife retirement a few years after mine.

As far as the bolded above everything as best as we could was set up per the rules in force. I'm not about to investigate it all as of now is working out fine, and hopeful will remain that way.. What works for me and wife probably will not work for a lot of people. Again the idiocy in goverment is the red elephant stomping around, no one knows what those clowns will think up but it has a good chance of really wrecking the middle class.

Good luck!:cert:

My wife and I are assessing our lifetime of work and this very topic daily. I do greatly appreciate your replies. I'm very happy for you and that you're happily retired and affording life well.

I too understand this is an individual decision, and no one can give an answer to the DOD....

I'll reach out and have another conversation with my account for advice, as I stated earlier, listening to members on a CF might be harmful.....

Too many bullshiters online that have lied about retiring at 55 or younger and have all the money in the world. Let's say I'm sceptical of it, to be kind.....

Thanks old man!:yesnod::cert:

[6spdC6]

My wife and I are assessing our lifetime of work and this very topic daily. I do greatly appreciate your replies. I'm very happy for you and that you're happily retired and affording life well.

I too understand this is an individual decision, and no one can give an answer to the DOD....

I'll reach out and have another conversation with my account for advice, as I stated earlier, listening to members on a CF might be harmful.....

Too many bullshiters online that have lied about retiring at 55 or younger and have all the money in the world. Let's say I'm sceptical of it, to be kind.....

Thanks old man!:yesnod::cert:

I wish you nothing but the best, Youngster!-:D

[LATB]

I see the government in the near future either taxing more or reducing your SS benefit if you have other substantial income like pension and investments. The only people who will be getting total SS will be the people who never planned for retirement.:seasix:

No pension and I will continue to have earned income probably until I die. So waiting a couple more years to reach FRA is the best choice for me.

[Bruze]

No pension and I will continue to have earned income probably until I die. So waiting a couple more years to reach FRA is the best choice for me.

That was my plan too, but sudden arthritis changed all that at age 70. :(

[GTOguy]

Well, I got up and went to the SS field office, which is about 3 miles from my house. I was half an hour before opening, so I was 4th in line. Got in, logged in and got a place number, waited ten minutes, got to a window, got partially processed, then set aside to be interviewed, which happened ten minutes later. The original birth certificate from Germany passed, as did my passport and CDL. I had to go back and drop off a printout of my gross pension income, as they did not want the net amount. Total time there, about 45 minutes. Time to go home, print the gross income, and drop it off, another 30. So I'm done. Will start collecting in March, one day after my 62nd birthday. I had a 'windfall penalty' due to a few years in law enforcement in a slot that didn't pay into SS.
I had 29 paid years and you needed 30. The penalty worked out to $45 per month. I also found that the difference in monthly $$$ from 62 to 67 is $750. So that means I collect 5 full years of SS and only give up $750 per month to do it. I would have to be pushing 80 to hit the break-even point, and in the mean time, can invest or otherwise screw off the extra income. The SSI will supplement my pension, my rental property incomes, and my industry retirement that is coming at age 65. Sooo glad I invested in real estate as a young guy. It was the total key to lifetime security.
Now, all I gotta do is start living.

[Big bob]

See how simple it was all you had to do was follow instructions. :rofl:

[Bruze]

Well, I got up and went to the SS field office, which is about 3 miles from my house. I was half an hour before opening, so I was 4th in line. . . .

Now, all I gotta do is start living.

:hurray:

[Don Rickles]

My accountant agreed wholeheartedly with my opinion to wait til FRA. As anyone earning over 19k will have to pay back one for every three dollars collected from SS. I thought he said a pension is earned income. Also, you'll be taxed on 85% of the SS you collect....My personal contributions over the next few years almost doubles my monthly amount ay FRA (over double, GTO's monthly difference).

I enjoy what I do, so they say it's not really working!:D

I'm waiting:seasix:

[Bruze]

My accountant agreed wholeheartedly with my opinion to wait til FRA. As anyone earning over 19k will have to pay back one for every three dollars collected from SS. I thought he said a pension is earned income. Also, you'll be taxed on 85% of the SS you collect....My personal contributions over the next few years almost doubles my monthly amount ay FRA (over double, GTO's monthly difference).

I enjoy what I do, so they say it's not really working!:D

I'm waiting:seasix:

I'm just a dumb toolmaker, but pretty sure a pension is not "earned income."

And if, and how much of your SS gets taxed and at what tax rate depends on how much other income you have -- as I understand it.

I went through all that crap and have gladly forgotten most of it. Now, this year, I've had to deal with my first Required Minimum Distributions from my SEP-IRA account so they can tax it. I'm re-investing most of it in a taxable account.

So you've figured out what year you'll croak? :confused:

[slewfoot]

You guys seem to get yourselves into some strange shit sometimes.

I applied for Social Security online last summer with no problems, picked my start date of this January 2023 and they sent me an approval and a start date.

That big blue capital D tattooed to your forehead really opens doors with FedCo. :Jeff '79:

:D

You're all starting SS at 62?


No me. The big D tattooed on my forehead suggested to me I should start at my FRA which is 66 & 4 months. I also started my job retirement at the same time..

You're really fking yourself by several hundred dollars by going in at 62

[Yadkin]

Well, I got up and went to the SS field office, which is about 3 miles from my house. I was half an hour before opening, so I was 4th in line. Got in, logged in and got a place number, waited ten minutes, got to a window, got partially processed, then set aside to be interviewed, which happened ten minutes later. The original birth certificate from Germany passed, as did my passport and CDL. I had to go back and drop off a printout of my gross pension income, as they did not want the net amount. Total time there, about 45 minutes. Time to go home, print the gross income, and drop it off, another 30. So I'm done. Will start collecting in March, one day after my 62nd birthday. I had a 'windfall penalty' due to a few years in law enforcement in a slot that didn't pay into SS.
I had 29 paid years and you needed 30. The penalty worked out to $45 per month. I also found that the difference in monthly $$$ from 62 to 67 is $750. So that means I collect 5 full years of SS and only give up $750 per month to do it. I would have to be pushing 80 to hit the break-even point, and in the mean time, can invest or otherwise screw off the extra income. The SSI will supplement my pension, my rental property incomes, and my industry retirement that is coming at age 65. Sooo glad I invested in real estate as a young guy. It was the total key to lifetime security.
Now, all I gotta do is start living.
^ Welfare recipient.

:Jeff '79:

[GTOguy]

I just ran my numbers from the current SS webpage. Taking my SS at 62 instead of 67 reduces my monthly payment by $1024. Break-even age 74. Receiving benefits at 62 instead of 70 decreases benefits by $1855 per month, with 80.5 age as the break-even point. My SS will just be fun money taking it at 62:seasix:

Yep. It would take me years to make up for the 110k I would not collect in the 5 years between 62 and 67. And by that time, I'm not gonna be jet-skiing and buying new toys. Now are the best years left, not my 80's.
Hell, since I retired, the only things I've bought have been food and energy. And they have more than doubled in cost.
If I do want to buy an Amazon van or '67 427'vette or new car, I'll just write a check. Can't take it with me.

[GTOguy]

These people waiting to take SS for a few extra bucks crack me up. After they pass, their heirs will have no problem spending that money on a 67 427 vette or an Amazon van. You do not want to be the richest person in the graveyard:seasix: Plus, after you retire, you wish you would have done it years earlier:yesnod:

I agree. It's 'carrot syndrome'. Saw a lot of it at my old job. Old guys hanging on for that next pay raise (that never seems to come) or that 'extra 2 percent' if they just push retirement up another 4 years. A lot of these guys were 70-ish when they pulled the plug. After age 50, at least in my opinion, time is worth much more than money. I can always make more money. I planned on retiring at 55, but got there so fast I ended up taking another promotion which helped boost my SS at the end of my career. People that assume they will be healthy and active and living the dream after age 70 are welcome to assume that. Some do, some do not. Time waits for no one, and tomorrow is not guaranteed. So it's SS at 62 for me, high quality food and booze, and trips to the desert.

[higgyburners]

Time waits for no MAN...it may wait for you princess

[GTOguy]

Take no toilet paper, either:seasix: Wash the hands?

You don't know if he's Indian or not. (dot not feather)

Just the left hand---not the one he eats with.

[GTOguy]

Doubt he's as intelligent as an Indian:seasix:

Not I. Duce is a stand up guy. On the square. A good egg. A right Joe. :seasix:

[GTOguy]

Is he from Ukraine or Russia?

I see what you did there!

According to the guys that think that you and I and Yadkin are the same person, Duce is one of serval trolls on the other forum who may have gotten permabanned.

I personally like the guy.

[Bruze]

I see what you did there!

According to the guys that think that you and I and Yadkin are the same person, Duce is one of serval trolls on the other forum who may have gotten permabanned.

I personally like the guy.

He can get a bit cranky, but otherwise is okay. :seasix: