Fucked on both ends .... Retirement risk

[JDXXX]

No. You're confused. That's how long it takes me to cum when I jack off. Why else do you think I'd be at the fucking computer all day?

 

I'm sure we can find better options I should say "occupy" your time to, baby. We'll work on that when I get back home to California after my Eastern Tour.

[+ WilliamM]

The poor woman just informed me last month that SSI has put her on Medicaid versus Healthnet (for whom she originally wanted her health care provider), and stated they will NOT pay for any type of Dental or Vision coverage, so I'm having to pay for that too. Because of the unfortunate denial of Dental coverage, I had to cover over $4,000 Dental cost as she had to have done just this past Monday some extensive heavy work done that required crowns, and extractions that were not cheap in slightest possible terms.

 

They'll be more procedures she has to have done by the end of the calendar year that will require more financial assistance which will equal total in the end of $11,000 I'll have to fork out, but what can I say - It's her health, and gotta do what I have to do for her to have the best dental there is.

 

So trust me, when I read this thread, and especially the post you written, I can easily relate to how even though the elderly who receive SSI may have been responsible in saving for they're future, and will receive SSI may cover some yearly annual expenses still encounter hard times in the end. Even to a point to where(like in my case) they're children may have to fill in financially in order to help give they're elderly parents who are not surviving well on Retirement or SSI, a secure, and more stable "Quality Of Life" per say.

 

JD, I think that some people do not realize that SS, SSI, Medicare and Medicaid do not cover every medical-related expense (especially dental and vision care). That is why a very small price increase at the supermarket,if people are lucky enough to even have a neighborhood market - otherwise they may have to take several buses to a market, affects those on a low fixed income. The same is true of fewer coupons in local hand-out papers, which may mean elderly people go without meals. I do know that Meals on Wheels are sometimes available.

 

I respect you greatly for helping your mother financially. It does not always happen, an understatement. Your mom is a lucky person in so many ways because she has you in her life!

[JDXXX]

Fuck you, BVB.

 

I'm staying at the Island House in Key West so I read your post and went out this morning with full-on morning hard on and was walking around the pool asking if there is a "man of color" in the house.

 

Needless to say next thing I know I'm in a sling and all these guys with colored handkerchiefs are working me over. I got pissed on, cum dumped, bottom holed, milked dry, and at one point I had cocks in holes I didn't even know I had.

 

"Person of color" my ass! Where the fuck are you when I need you? Now I feel like a disabled old hag and I'm gonna have to go on disability. Take your fucking Gucci shoes and shove 'em up your ass.

 

Only if I was in Key West with you right now. You on a sling being worked over by these "ethnic" Men Of Color? Just visioning this scenario you enlightened BVB of what's transpired for you with these studs by the pool is a treat for me get a huge hard on over.

 

Consider yourself lucky one day, BVB if you can get a taste of what, Steven got in Key West with these guys who are "Men Of Color".

[+ stevenkesslar]

You should know this about Steven by now, BVB. Once his intellect gets started on a subject of importance starts, it never stops til it's drilled into you're head for future reference. LOL. That's what we love about our, Steven. All about the facts, and only the facts. Right babe?

 

Yes, Sir.

 

I'm all about drilling it in as far as it will go.

[JDXXX]

I have had cum dripping out of my man pussy all morning. My new panties are soiled. And this Daddy with whiskers pretty much rubbed my ass cheeks raw.

 

You are damn right I'm irritable.

 

And yes. It's 1 pm and I definitely need a drink.

 

Fuck the drink, babe - just go get laid some more, or better yet, Skype me and I'll put on a hot striptease for you. That'll make you feel better. LOL.

[+ stevenkesslar]

Easily can relate to what you've experienced in that realm, William.

 

At one point during my weekend stay with Sir Steven Kesslar (), I revealed to him of the fact I have an elderly 75 year old mother who receives SSI monthly, and despite the fact she receives a monthly check from SSI, the funds she receives from them on a monthly basis does not help contribute much towards her monthly expenses of any kind.

 

Due to the fact they limited her funds over the past two years versus higher dues she was paid from the previous years. So, what do I do to be of help to her, and not see her suffer financially.....help my mother pay monthly towards her expenses, of course which is in the sum of $2,000 just to help keep her afloat. Don't wanna witness my own flesh, and blood, especially my own mother, sink deeper and deeper into a possible depression or even into bigger hole to a point of intense debt or possibly homelessness. That will be devastating beyond belief for me to witness her suffering to such devastating levels knowing all she done to take care of me and my siblings as a single parent to not step in and help the best way possible. Who would I be as her son, to take the initiative by stepping in to help manage to take care of her by all cost.

 

The poor woman just informed me last month that SSI has put her on Medicaid versus Healthnet (for whom she originally wanted her health care provider), and stated they will NOT pay for any type of Dental or Vision coverage, so I'm having to pay for that too. Because of the unfortunate denial of Dental coverage, I had to cover over $4,000 Dental cost as she had to have done just this past Monday some extensive heavy work done that required crowns, and extractions that were not cheap in slightest possible terms.

 

They'll be more procedures she has to have done by the end of the calendar year that will require more financial assistance which will equal total in the end of $11,000 I'll have to fork out, but what can I say - It's her health, and gotta do what I have to do for her to have the best dental there is.

 

So trust me, when I read this thread, and especially the post you written, I can easily relate to how even though the elderly who receive SSI may have been responsible in saving for they're future, and will receive SSI may cover some yearly annual expenses still encounter hard times in the end. Even to a point to where(like in my case) they're children may have to fill in financially in order to help give they're elderly parents who are not surviving well on Retirement or SSI, a secure, and more stable "Quality Of Life" per say.

 

Which fills in the blanks of what I meant on the 100th review post when I said you have a bottomless pit of empathy inside you.

[JDXXX]

Yes, Sir.

 

I'm all about drilling it in as far as it will go.

 

Exactly what you told me before we went to pick up the pizza at Little Ceasers for dinner.

[JDXXX]

Which fills in the blanks of what I meant on the 100th review post when I said you have a bottomless pit of empathy inside you.

 

Thanks sweetie. I will be commenting on the beautiful post you wrote on there later today as it's wonderful seeing you know my heart, and know me very well as I came close to tears as I was explaining to you of the complications my mother as a senior citizen has to go through struggle financially, and had to fight to qualify to receive proper medical insurance.

 

I know she appreciates the financial assistance she receives from me monthly for other expenses that she's unable to provide on her own due to her funds from SSI is so limited, but after seeing what she's going through and sacrificing to make ends meet, is a wake up call to evaluate my future on where it stands for me to have a comfortable and less complicated retirement down the line when I pass 65. That is if SSI is even still visible as the government might consider it obsolete, and a thing of the past by then.

[+ stevenkesslar]

You on a sling being worked over by these "ethnic" Men of Color?

 

Consider yourself lucky one day, BVB if you can get a taste of what, Steven got in Key West with these guys who are "Men Of Color".

 

Enough!

 

As far as I'm concerned you guys are all a bunch of fucking perverts.

[+ honcho]

Yes, Sir.

 

I'm all about drilling it in as far as it will go.

 

Although I'm functionally illiterate I'm beginning to have a sense of Deja Vù; anybody willing to place

bets about stevenkesslar being a stage name for Hunter S. Thompson?

[JDXXX]

Enough!

 

As far as I'm concerned you guys are all a bunch of fucking perverts.

 

Takes one to know one right? . I think you like it when I'm "Perverted". I could be wrong.

[JDXXX]

I respect you greatly for helping your mother financially. It does not always happen, an understatement. Your mom is a lucky person in so many ways because she has you in her life!

 

So sweet, William. Thank you very much. Sincerely, it's all out of love for my mother as I would help any of my loved ones who seriously need any type of assistance. My mother has always taught us kids to Do right onto others who are in need. Always stood by those teachings from my dear mother for years. It'll be a policy I'll forever live by til the day I die apparently.

[+ stevenkesslar]

I think you like it when I'm "Perverted". I could be wrong.

 

Yeah babe? I think you like it that you think that I like it when you're perverted. And I like it that you like it that you think I like it that you're perverted.

 

BVB, can you give a guy a hand? This is getting kind of convoluted again.

[JDXXX]

Yeah babe? I think you like it that you think that I like it when you're perverted. And I like it that you like it that you think I like it that you're perverted.

 

BVB, can you give a guy a hand? This is getting kind of convoluted again.

 

Be careful what you ask for, My Dear Budda as you don't know where that hand has been.

[bigvalboy]

BVB, can you give a guy a hand? This is getting kind of convoluted again.

 

[Kenny]

A pyramid scheme! Now that is funny! I think I just wet myself... Extreme wing-nuttery is always good for an Ayn Rand-style laugh.

 

SS has been going for 80 years. Some pyramid scheme.

 

 

In truth, is was designed as a pyramid scheme whereby government could transfer money from the paychecks of wage-earners through the government (which always holds one to some of the cash) to non-wage earners. Originally designed for Old-Age benefits, there were 16 wage-earners for every one recipient. The age at which one could draw SS benefits was 65. The average life expectancy at the time was 65.

 

Poli-Tick-ians learned a valuable lesson with Social Security. For once, the non-wage-earners discovered their benefits came through their elected officials, they began to reelect them. Further poli-tick-ians discovered they could further ingratiate themselves to their electorate by increasing benefits while the ratio of earners to recipients dropped from 16:1 down to 3 or 4:1. Increasing the payroll tax was hidden first by splitting the amount between the employer and the employee, so the wage-earners only saw 1/2 of the tax deducted from their paychecks while employers still met the brunt of the entire tax in the payroll expenses.

 

Later, poli-tick-ains figured out that if they expanded Old-Age Retirement benefits to include Survivor benefits they could buy more votes and 20 years later, they added Disability benefits to get even more votes. Before 1935, if you retired, you paid for it from your own savings. Until 1956, if you became disabled, you had to pay your expenses from your own savings or disability insurance.

[MiamiLooker]

I was a social worker for several years. Many elderly people live only on their monthly social security check. Luckily, they also have Medicare. My experence was that responsible people were sad that they had fallen on such hard times, and seldom told their family members. Couples who were both getting SS did better than single people, but all have to be very careful about each expence.

 

Were they just sitting around doing nothing? Did you ever recommend to some of them to get a job as an escort? There seems to be a market for granny porn, so I bet there’s also a bit of a niche market for granny escorts and grandpa escorts.

[+ quoththeraven]

A pyramid scheme! Now that is funny! I think I just wet myself... Extreme wing-nuttery is always good for an Ayn Rand-style laugh.

 

SS has been going for 80 years. Some pyramid scheme.

 

There is no one-to-one correspondence with a pyramid scheme, but since Social Security is a pay-as-you-go system -- i.e., today's payroll taxes fund today's payments -- there is some resemblance. Unlike private defined-benefit pension plans, it is not prefunded. Not that prefunding was always required, but the failure of certain private pension plans that weren't prefunded -- the Studebaker plan is the one pointed to as the straw that broke the camel's back -- is why there's a federal law governing such plans that requires it.

 

There is also no promise that someone will receive benefits that equal the value of what they contributed. (I say value because a contribution many years ago is worth more than just the absolute dollar amount contributed.) Of course, some will receive more than that. And because social security taxes top out at a certain point, the benefit formula is structured to favor lower-wage workers.

 

Also, the idea of giving participants investment control presupposes that this is a defined contribution plan -- something like a 401(k) or profit sharing plan. It is not. Social Security promises a specific monthly benefit based on a convoluted formula. In the private sector, it most closely resembles a contributory defined benefit plan, except IIRC contributory defined benefit plans are required to return at least as much as participant contributions plus some assumed rate of return.

 

In a defined benefit plan (as is also true of Social Security), the plan sponsor bears all the investment risk. In a defined contribution plan, where all the participant is entitled to is the balance of his or her account, the participant bears all the investment risk. Not everyone is up for or good at doing this. In an environment where defined benefits plans, which are better at providing adequate income replacement than defined contributions plans (not just my opinion, but the consensus in the field), are going or have gone the way of the dodo, is adding more uncertainty a good idea?

 

This also overlooks the fact that SSI (Supplemental Security Income), which is means-tested, is also part of Social Security. Title II Social Security benefits are subject to backdoor means testing via income taxation. Those who receive less and have no other income may not pay tax on their benefits, whereas those who receive more and/or have other income will likely pay tax on their benefits.

[+ WilliamM]

Were they just sitting around doing nothing? Did you ever recommend to some of them to get a job as an escort? There seems to be a market for granny porn, so I bet there’s also a bit of a niche market for granny escorts and grandpa escorts.

 

Good idea, wish I had thought about it. Instead of sitting around doing nothing, they could have been working out at a gym. Unfortunately I would have had to pay for the memberships. A number of my clients had no money to move, so I put all their belonging in my car and helped them. So for me, it did not need a gym. Miami Looker, thanks for thinking outside the conventional.

[+ WilliamM]

This also overlooks the fact that SSI (Supplemental Security Income), which is means-tested, is also part of Social Security. Title II Social Security benefits are subject to backdoor means testing via income taxation. Those who receive less and have no other income may not pay tax on their benefits, whereas those who receive more and/or have other income will likely pay tax on their benefits.

 

Thanks for mentioning taxes. The IRS formula on taxing SS benefits is fairly simple. I have had several part time jobs since starting social security. I have other income in addition to social security as well. I found that I was paying about have of my income from the part-time to the Internal Revenue Service, because there is a steep bump in the tax tables at some point.

 

SSI is another matter. The homeless rate would be considerably higher without SSI. Some of my clients worked part-time as baby sitters and in factories to try to supplement their income. It is a hard life for them, very hard.

[MiamiLooker]

Good idea, wish I had thought about it. Instead of sitting around doing nothing, they could have been working out at a gym. Unfortunately I would have had to pay for the memberships. A number of my clients had no money to move, so I put all their belonging in my car and helped them. So for me, it did not need a gym. Miami Looker, thanks for thinking outside the conventional.

 

What’s not conventional about suggesting an older person get a job? Many retirees do it. Why would they need to waste time at the gym or moving?

[+ stevenkesslar]

Were they just sitting around doing nothing? Did you ever recommend to some of them to get a job as an escort? There seems to be a market for granny porn, so I bet there’s also a bit of a niche market for granny escorts and grandpa escorts.

 

Awesome, idea. I'm on this one, Miami.

 

Let's combine this thread with the one on coked up clients. I mean, these coked up clients can't get hard anyway, and they are obviously ignorant of how much they are paying the escorts they hire, or what the escorts even do. Apparently you can just sit around and talk with these fuckers and "earn" $800 in whore money. That's awesome!

 

Why not build a team of pathetic grandpa escorts like me who can't get it up but are greedy and clever, and have no moral scruples when it comes to ripping coked up clients off? Who the fuck needs Medicare?

 

I even have a cool name for it: KesslarCare.

 

If you're old and can't get it up and have no scruples, private me. I may have a job for you.

[Frequentflier]

You wrote, "I think SS and Medicare should be changed to work like a defined contribution plan, but mandatory."

Quit looking down your nose at me correcting your ignorant statement. Ugh!

 

You being looked down upon is just a natural reaction you've brought upon yourself. You may though be too much a waste of time to pay any more attention to Instupido.

[+ WilliamM]

Awesome, idea. I'm on this one, Miami.

 

Let's combine this thread with the one on coked up clients. I mean, these coked up clients can't get hard anyway, and they are obviously ignorant of how much they are paying the escorts they hire, or what the escorts even do. Apparently you can just sit around and talk with these fuckers and "earn" $800 in whore money. That's awesome!

 

Why not build a team of pathetic grandpa escorts like me who can't get it up but are greedy and clever, and have no moral scruples when it comes to ripping coked up clients off? Who the fuck needs Medicare?

 

I even have a cool name for it: KesslarCare.

 

If you're old and can't get it up and have no scruples, private me. I may have a job for you.

 

Excellent response, Steven. I was going to write the following boring sentence, 'middle-aged people have great trouble finding jobs without recent work experience, let alone elderly men and women entering a "new" profession.'

 

Glad to know that we now have KesslarCare as an option!

[Lookin]

If you're old and can't get it up and have no scruples, private me. I may have a job for you.

How 'bout two out of three? . http://ravishu.com/forums/Smileys/classic/emot_hard.gif