[ltsddd]

[quote=SK in CV][quote=ltsdd]
That’s fair enough. So, in your opinion, who do you think was behind the 9/11 attack?[/quote]

Not Saddam Hussein.[/quote]

You’re a real genius.

[ltsddd]

[quote=SK in CV][quote=ltsdd]Maybe I read too much into her quote regarding her having “doubts about the story behind the 9-11 attacks”. Those guys were all angels.[/quote]

That puts her opinion right in line with a significant number of americans. Should they all have their citizenship revoked? Five years ago, almost 40% of Canadians were unsure that AQ carried out the attack. So should we lock our northern border?

http://en.wikipedia.org/wiki/Opinion_polls_about_9/11_conspiracy_theories%5B/quote%5D

That’s fair enough. So, in your opinion, who do you think was behind the 9/11 attack?

[ltsddd]

[quote=SK in CV]what exactly do you mean by “like this”?[/quote]

It had nothing to do with her ethnicity, nationality or religious belief. It had to do with her mindset and doubts regarding the 9-11 attacks.

[ltsddd]

[quote=SK in CV][quote=ltsdd][quote=SK in CV]Do you mean that prospective immigrants should all be asked the following question?

“when your nephews set off a bomb at the boston marathon, will you be supportive of them?”

And if they say yes, don’t let them in. And if they say no, don’t let them in because her nephews are terrorists.

Does that work for you?[/quote]

In your mind, the 9-11 attack was a fabrication? Planes flew into buildings resulted in thousands of deaths were just a setup?[/quote]

So now you’re just making shit up. I didn’t say anything like that, and neither did she. So I’ll ask again, what exactly do you mean by “like this”?[/quote]

Maybe I read too much into her quote regarding her having “doubts about the story behind the 9-11 attacks”. Those guys were all angels.

[ltsddd]

[quote=SK in CV]Do you mean that prospective immigrants should all be asked the following question?

“when your nephews set off a bomb at the boston marathon, will you be supportive of them?”

And if they say yes, don’t let them in. And if they say no, don’t let them in because her nephews are terrorists.

Does that work for you?[/quote]

In your mind, the 9-11 attack was a fabrication? Planes flew into buildings resulted in thousands of deaths were just a setup?

[ltsddd]

what part of “like this” do you want me to explain?

[ltsddd]

How and why did we allow people like this into our country. Not only she doubts her nephews were involved in the bombings but also the story about the 9-11 attacks.

http://news.yahoo.com/blogs/lookout/suspect-aunt-says-she-suspicious-investigation-190616201.html

[ltsddd]

The phones, tablets and phablets markets have been commoditized. Apple will need to come out with a new game-changer to maintain growth and products appeals. Changing the form factors and expanding the internal storage size – which is essentially what it’s been doing – is not going to be enough. It’ll be interesting to see how these market leaders (apple, samsung and the likes) are going to be affected once the market is flooded with these inexpensive white-box tablets and smartphones.

[ltsddd]

[quote=bearishgurl]I have no further comment re: ltsdd’s vitriol except to say that he/she obviously didn’t read (or comprehend) my prior posts on this thread.
[/quote]

BG,
It’s unfortunate that you feel that way. I wouldn’t think that someone like you who speaks condescendingly to others would be so thin-skinned. I will try to refrain from responding in kind the next time you’re being condescending.

I am out.

[ltsddd]

[quote=bearishgurl][quote=ltsdd][quote=bearishgurl]The Federal workers that will be let go will retire under FERS….[/quote]…Now, back to the delusional assertions that you made[/quote]

Actually, this statement is partly in error. If the retirement applicant has ~30 yrs of service, he/she will be retiring under CSRS/TSP (w/o agency match) or CSRS/FERS (w/partial agency match). The combined ~70% retirement under CSRS for a 30 yrs service PLUS TSP contributions over most of the employee’s tenure should make the annuity 90%+ of his/her’s average of their top three years pay.
[/quote]

Good job. Bonus credit for admitting your mistakes.

[quote=bearishgurl]
[quote=ltsdd]Please stop introducing more irrelevant bull to the thread and deviate from the original assertions that you made. Just please show me an example how someone could retire under FERS could realize the same income with the FERS and TSP.[/quote]

They could do it with FERS and TSP contributions with an employer match of 5%.
[/quote]

Oh, so now you’re not so sure. I knew you’d come around, eventually. Again, good job.

[quote=bearishgurl]
Why don’t you study the different allocations to determine which one was the best investment since 1982-1983?

Here, let me get you started:

https://www.tsp.gov/investmentfunds/shareprice/sharePriceHistory.shtml

I think this is a “good project” for you, ltsdd. And when you’re done with that, please get back to the Piggs with your “findings.”

At that time, I’ll have some more “exercises” up my sleeve for you to complete to determine the actual monthly retirement pay of our “theoretical longtime-SD DOD worker.”[/quote]

Actually, wouldn’t it be easier for you to stick your nose into your neighbor’s (the one that retired with $300K+ in TSP) to hear it directly from the “horse’s” mouth? Besides, I am not so sure about my math – I still couldn’t figure out how 80%=100%.

BTW., I don’t have a problem with one profession vs another or how cushy one job vs another, etc. So, whatever these federal employees get in retirement is of non-consequential as far as I am concerned. I do have problems with people yapping nonsense, unsubstantiated bullshit and try to convince people that they are facts.

[ltsddd]

[quote=bearishgurl]ltsdd, you didn’t do the math right so there is no sense in arguing with you.
[/quote]

That’s the best you could do? Show me how my math wasn’t right. Better yet, please humor me with 1 scenario where a federal employee retiring under FERS would be able to replace 100% of their salary with the pension and TSP.

[quote=bearishgurl]
ltsdd, instead of worrying about how the Federal sequester is going to affect the household finances of retiring DOD workers transitioning to a pension and investments, you might do better in life to apply yourself for one of these jobs and see if you can last long enough to become vested in FERS and receive a 5% TSP funds match :=0
[/quote]

I will let you know when I need advice on life and financial management.

[quote=bearishgurl]
Now, go back to work and finish raising your own family (if you have one) so YOU can eventually “retire.”[/quote]

Yeah, I get it. When you fail (which is quite often for you) at making a coherent debate, change tactic. Stay classy lady. Stay classy.

Now, back to the delusional assertions that you made

[quote=bearishgurl]The Federal workers that will be let go will retire under FERS.
….
With both of these plans combined, there should be NO loss of income for today’s Federal retirees.[/quote]

Please stop introducing more irrelevant bull to the thread and deviate from the original assertions that you made. Just please show me an example how someone could retire under FERS could realize the same income with the FERS and TSP.

[ltsddd]

[quote=bearishgurl]
Maximum Payable

The maximum benefit you can receive from CSRS is 80 percent of your high-3 average salary, plus credit for your sick leave. This limit generally affects only those who have more than 41 years 11 months of service when they retire.
[/quote]
80% is not 100%

[quote=bearishgurl]
So, yes, it is entirely possible today with the combination of CSRS/TSP, CSRS/FERS/TSP (w/partial agency match) or FERS/TSP (w/full agency match) to retire at or close to 100% of one’s full highest of average 3 years salary.[/quote]

Read the information from the links you provided again, carefully. CSRS retirees get a big chunk of their retirement income from the “pension” – up to 80% of their salary according to you – and very little else. What they can contribute to TSP isn’t much. FERS will get an even smaller “pension” and better hope that they MAXED out their TSP contribution and the performance of the stock market over the years to even get close to what CSRS retirees get at 80%.

Here’s news for you. A quick search on the internet will tell you that these people are contributing an average of $4900/year to their TSP with an average balance of about $65K. Maybe the financial security of the baby boomers you were talking about is just all fancy fantasies.

[ltsddd]

[quote=bearishgurl]

They still work for a number of reasons:

-Their bosses have begged them to hold out for a few years because their intellectual property is still needed by the organization (this is common);
[/quote]

Bull. Really, you stick around b/c your boss begged you? Even when it makes absolutely no sense at all by not retiring? Why work when you could stay home and still get the same $$ (according to you). Or why not double-dip – collect the retirement benefits while getting another job.

[quote=bearishgurl]
-They still owe a small amount of mortgage or auto loan and are endeavoring to pay it off before retirement; and
[/quote]

More bull. Again, if your claim is true that there is no “loss” of income when they retired then what difference does it make whether they’re paying their mortgage with their paychecks or with their retirement income.

[quote=bearishgurl]
-they don’t know what they would do with themselves if they didn’t have a place to go to at 7:00 a.m. five days a week 🙂
[/quote]
You’re reaching here.

[quote=bearishgurl]
Actually deadzone, when you take out the gas, lunch and other expenses of going to work every day, many “retirees” with pensions are actually money ahead AFTER retirement![/quote]

Bull. I don’t think there’s any truth to this. Mathematically, the numbers don’t add up. If you truly believe in this last assertion then why on earth did you make all the previous crazy assertions why they should not want to retire?

[ltsddd]

[quote=bearishgurl]
I stand by my assertion that a FERS employee CAN approach 100% if they contribute the maximum for Agency Match (5%).
[/quote]

BG,
It’s basic math. Assuming someone who had worked for 30 years and is qualified for retirement. That individual, under FERS, would get about 30% (1% for each year of service) in replacement income from the “pension”. Do you really believe that an individual’s 401K/TSP account could replace or generate the other 70% of the “loss” income when someone retired? For how long?

[ltsddd]

I didn’t realize there are that many miserable people on this board. Really.

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