MLPFC Shit Posting

[HCFord1]

low key sick brag about how much money your Parents made in their career bruh (since social security is based on earned income over the years)



PS: I used to have to explain this to farmers who would always have the goal of showing no income at the end of the year and then would be shocked when they found out they were gonna get like $50 a month in social security. Asking for cash and hiding income is great but gotta understand on paper the Government thinks you were a bum for 40 years.

Haha didn't mean it that way. But my mom had a career and earned a decent salary, so my dad being able to delay drawing his benefits until 70 and get ~$1400/month on her record for two years was nice. It was honestly a stupid loophole that it made complete sense to close; they were just fortunate to be grandfathered in.

 

[HCFord1]

On another note, my son has been home sick this week with RSV but this morning he discovered the GOAT unintentional toy: the door stop that makes a farting sound when you move it. Probably sat there swatting at that thing for 15 minutes straight.

 

[Ext. 55]

 

[God is a Husker]

 

[Ext. 55]

 

[BushAK]

long train ride to Nebraska’s 4th of July city….

Worth it

 

[Adolph Coors]

3 left @Woodrow F Call

 

[Woodrow F Call]

View attachment 3980
3 left @Woodrow F Call

Looks like a cattlemans paradise

 

[Woodrow F Call]

PS: I used to have to explain this to farmers who would always have the goal of showing no income at the end of the year and then would be shocked when they found out they were gonna get like $50 a month in social security. Asking for cash and hiding income is great but gotta understand on paper the Government thinks you were a bum for 40 years.

I'm 37 and this has been my norm, is it to late to audible ?

 

[bbenson67]

I'm 37 and this has been my norm, is it to late to audible ?

No. You need 40 quarters aka 10 years to qualify. You still have plenty of time but just know if you make $200k a year vs. $50k a year you get a lot more benefit when you retire. It's all based on how much you contribute over the years and will get a lot more if you have higher income over many years.

We are a one Social Security benefit home as my wife is a retired California high school teacher and is not eligible for any SS benefits except Medicare. She doesn't even get survivor benefits if I croak before her. Some deal teachers made with the teacher's union but I'll take her California teacher's retirement over any additional SS benefits.

 

[HCFord1]

I'm 37 and this has been my norm, is it to late to audible ?

May not be worth it depending on what you’re doing with the money instead.

If you are gonna start paying in, my advice is to do only enough to stay currently insured (meaning you’re consistently paying in and would be eligible for disability benefits if something were to happen prior to retirement) and get your average monthly earnings to approximately equal the first “bend point” in their benefit calculation. By doing that, you maximize the return you get from what you’re paying in (90% on monthly earnings up to that first bend point, less than 50% on monthly earnings after it). The first bend point is about $1,000 in today’s dollars, which they’ll adjust higher in the future for inflation.

So essentially, like @bbenson67 said you only need 10 years of sufficient earnings to be eligible for retirement. You’d probably be surprised at how many you already have, even if you aren’t fully insured yet. You can check that status on the social security website by creating a mySocialSecurity account. After that you’ll want to make sure you get your average annual earnings that you pay taxes on as close to $12k as possible and that will give you the best return from the program. Then just invest the difference.

 

[Woodrow F Call]

May not be worth it depending on what you’re doing with the money instead.

If you are gonna start paying in, my advice is to do only enough to stay currently insured (meaning you’re consistently paying in and would be eligible for disability benefits if something were to happen prior to retirement) and get your average monthly earnings to approximately equal the first “bend point” in their benefit calculation. By doing that, you maximize the return you get from what you’re paying in (90% on monthly earnings up to that first bend point, less than 50% on monthly earnings after it). The first bend point is about $1,000 in today’s dollars, which they’ll adjust higher in the future for inflation.

So essentially, like @bbenson67 said you only need 10 years of sufficient earnings to be eligible for retirement. You’d probably be surprised at how many you already have, even if you aren’t fully insured yet. You can check that status on the social security website by creating a mySocialSecurity account. After that you’ll want to make sure you get your average annual earnings that you pay taxes on as close to $12k as possible and that will give you the best return from the program. Then just invest the difference.

*Zach Galifianakis doing casino math gif*


I'm not shitting you guys when I tell you I'm a dumb farmer. I'll probably just forward your responses to my tax accountant and tell him to listen up

 

[Adolph Coors]

*Zach Galifianakis doing casino math gif*


I'm not shitting you guys when I tell you I'm a dumb farmer. I'll probably just forward your responses to my tax accountant and tell him to listen up

i married social security.



but to be fair i didnt ask a single damn question about what she did or was going to school for til like the 5th time we hung out.

 

[God is a Husker]

I'm 37 and this has been my norm, is it to late to audible ?

had a former client ask me this when he was 57


not the worst I'd ever dealt with because he was just asking for business planning and not "the IRS sent me this here letter awhile back about some audit? Anyways... thought I should have you look at the notice they just sent me since I threw away their first letter"



my advice: Determine the number you think you need to be able to retire. You're only 6 years older than me so I'm just gonna ballpark that you will need at least $1.2m if you are planning on doing the stereotypical retire at 65....but since you're a farmer I'm thinking that ain't happening. Anyways, that amount is not insurmountable for you so don't worry. If you have any land close to town or blacktop and you can sell a piece of it to some Johnson County Dentist (Lawyer, Doctor, Insurance agent, Car Salesman, etc. etc.) in town who wants to have an acreage out in the country I'd do it now when you can swindle them on price. They don't know land prices in your area, they just have heard for years that land prices are high and especially for agriculture blah blah blah... cut off a 10 acre corner of some shit pasture and sell it to them for $30,000. They think they are getting a sweet deal and you just got a single pay day worth more than those 10 acres would make you in 15 years of grazing. Take the $30k and give it to a local investment guy you know. (Frankfort guy?) Tell them you want it medium aggressive and to roll over any money generated off of it back into the portfolio or into an IRA. You can put money in but don't take any money out of that until you're 67. That Cash combined with selling off of farm assets you don't need anymore (equipment, the house or buildings, etc etc) and while still holding on to your land you should get damn close to the $ target without really trying.


PS: When you get really old don't worry about it, Agriculture Medicare exception baby.



PS PS: BE SURE TO ADMIT TO ANY INCOME THAT THE OTHER PARTY WILL DEDUCT! The IRS algorithms will eventually catch a discrepancy like "Johnson County Dentist deducted $30,000 to Woodrow in 2022 and Woodrow did not show the $30,000 on his return" Audit City ain't a fun place to be.

 

[hothouse_corn]

We are a one Social Security benefit home as my wife is a retired California high school teacher and is not eligible for any SS benefits except Medicare. She doesn't even get survivor benefits if I croak before her. Some deal teachers made with the teacher's union but I'll take her California teacher's retirement over any additional SS benefits.

This is the second time I've read on message boards in the past two weeks about teachers opting out of SS for some reason. I didn't even know that was a thing.

 

[HCFord1]

This is the second time I've read on message boards in the past two weeks about teachers opting out of SS for some reason. I didn't even know that was a thing.

It’s a pension thing with their unions in some places. Same thing for railroad workers. They don’t pay Social Security taxes on their earnings and instead draw a pension, so their pension gets counted against (in a complex calculation) any social security benefits that they would be eligible for via earnings from other jobs.

 

[BBTown Bomber]

We were aboard the "Majestic Princess" and sailed at 65% capacity. We were the first Princess ship to cruise since "the pause", and for the passengers it was fairly normal. We had to wear masks to enter and exit the ship, but once on board they were optional as all passengers were required to be vaccinated. Everyone freely discussed that we were "guinea pigs" for how future cruises were going to go, and to steal a little cruising vernacular, our experience was "smooth sailing".

The crew were also vaccinated, and they also had to quarantine for two weeks when they were called back to work. The crew were also precluded from debarking the vessel on our port visits. The ship will increase to 75% capacity this week, and up to full capacity the following week, with crew mask removal and shore leave permitted for them on that third full-capacity sailing.

Once in Alaska it was hit-n-miss on whether masks were required. Alaska has a fairly high state-wide vaccination rate, but that obviously varies by location. Some stores had a "mask required" policy and some ports were more liberal than others. If your shore excursion required transportation by bus or boat, then a "mask required" policy was in place. Once we were at our events, they were generally mask-free, but we took a lot of hiking excursions to try and get outdoors as much as possible.

Generally speaking, there are a LOT of options for shore excursions that would work for you and your wife. I'd avoid the most strenuous mountain hikes (we did one in Juneau and I suffered from leg cramps - at the WORST POSSIBLE TIME - for the next several days). Lots of boat, train and helicopter tours that get you deeper into the wilderness, but in a pretty controlled way. We booked all of our tours through the cruise ship as we'd heard if we did it that way, then if a tour ran late they were obligated to wait for us. Book it on your own and you "may" miss the departure from a port of call if something bad happens.

One of the "down sides" of us going out early was we were restricted to sailing to/from Seattle, and the cruise ship destinations from that port only hit the "southeast" part of the state. Some of the longer tours set forth from Vancouver, where they'll hit some of the same ports we did (Juneau, Skagway, Ketchican) but sail up closer to Anchorage and also offer overland tour extensions from there (e.g. double-decker "view deck" train ride up to Denali/Mt. McKinley).

Our group thoroughly enjoyed the experience, and we'd all like to go back and see more of the state in a few years. It may be that we'll fly directly into Anchorage, do an overland leg, then sail south from there and fly home from Vancouver or Seattle. There are certainly a lot of options on the table going forward with Canada opening things up to us filthy COVID infested Americans in mid-August.

If it's on your list of places to see, then I'd highly encourage you to pull the trigger. The only downside: I'm dreading stepping on the scale in the morning. The food was incredible, and even though I really DID show some discipline and tried to eat healthy, there were times when that just went out the window based on what peaked my interest on the fantastic menu selections that were available to us.

“at the WORST POSSIBLE TIME”

I’m afraid to ask…….🤣


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[BBTown Bomber]

Your trip and experience sounds amazing, and if there's one thing that I can relate to in your story after being gone 8 days on vacation myself it's that I'm sick and tired of eating.

Except that yore’s and mine would be Silver Bullets, nachos and jalapeño poppers…..🤣


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[BBTown Bomber]

View attachment 3960

Beautiful 57 degree morning for shipping yearlings off the flint hills gentlemen

That’s a beautiful sight that reminds me of my yute. How much did those bad boys weigh??

Oh, yeah. Forgot to ask how the Black Hills were also.


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[BBTown Bomber]

Today marks another full cycle around the sun for me. I've completed 63 of them so far, and am grateful for every single one of them. I remain on track for my targeted demise: being shot by a jealous lover at the age of 93. It's not likely, but thanks to the little blue pills it's entire POSSIBLE and you never steal a man's dream. 😎

93, huh?? That leaves plenty of time for that long-planned rendezvous at the Twisted Tail. Thinking weekend after next, if yore available.

Saturday the 14th or Sunday the 15th. Taking my mom down to 42nd & Dodge for a Doc appt on Monday the 16th. I’ll be in touch. 😎👍


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