Home > Third carless day, and a little rant

Third carless day, and a little rant

October 30th, 2015 at 01:22 pm

So yesterday I walked to the library and then to the grocery store. The total walk takes about 35 minutes each way. It was cold and windy, but I was bundled up, and it didn't feel too bad.

I bought 8 items, which filled my tote. Honey, shredded cheddar, American cheese slices, beef stew meat, celery, a baking potato, raspberries, and sourdough bread. The total was $24.

I'm going to make a big pot of vegetable beef soup, which I hope will last a while.

I did a load of laundry yesterday, and will do another today for a total of $3.

My variables spending is 91%, with the month nearing its end.

My cousin sent me an article yesterday about a bill that's before the House, which, if passed, would curtail my Social Security income. Specifically, it would take away the option I am taking to draw my ex-spouse's benefit until I am 70, and then draw my own, thus getting a higher payout. I would be forced to take my own now, a lower rate that I would be stuck with for life.

I got really depressed after reading this. Just the thought of getting a "raise" in four years has been keeping me focused and determined. If the rest of my life is going to be just like this ... well, I will survive, but it is certainly austere. I can only hope it will not pass in this form.

But it galls me, really. They are going to fix the SS mess by punishing the poor? Why do the rich always get coddled? I realize the rich "pay to play" by making campaign donations, but where is our public sense of right and wrong?

Well, off the soapbox. All I can do is keep on, like I always have.

I keep forgetting to add my daily menu!

Breakfast: Cranberry muffin tops
Lunch: Vegetable beef soup, bread
Dinner: Scrambled eggs w/peppers & onions

11 Responses to “Third carless day, and a little rant”

  1. AnotherReader Says:

    The final bill passed both houses yesterday. Soon to be signed. Funny how NO ONE knew about this. Fidelity Investments just released their detailed Social Security planning software that will now be scrapped. So they did not know. Didn't hear anything about this from your "friends" at AARP, did you? I didn't hear a peep.

    The "savings" they are taking from you are to be redirected to the almost bankrupt disability program. Remember a couple of years ago how all the States shifted their long term unemployed off the unemployment rolls onto Social Security Disability? That's who you are subsidizing.

  2. Butterscotch Says:

    Im sorry CB. Maybe this will only effect people who aren't already drawing? Like no one else can do that going forward?

  3. Petunia 100 Says:

    CB, this article says those who are already using the file and suspend strategy, or does so in the next 6 months, will not be affected. It notes that an earlier version of the bill affected everyone, but that part changed. You should be OK. Smile

    I had planned to do this, as my ex-husband is a high earner. Ah well, at least I still have time to adjust my plans. Those who were going to do this say, next year, are not nearly so fortunate.

  4. AnotherReader Says:

    From the Maximize My Social Security website:

    These are our understanding of the new provisions included in the House bill:

    For those becoming 62 after this year, deeming is extended through age 70. Deeming is the requirement that if you take a spousal benefit or a divorcee spousal benefit you need to also take your retirement benefit and vice versa. This leaves you with roughly the larger of the two benefits.

    No one can collect a spousal or child benefit based on the covered earnings record of a worker who suspends retirement benefits more than six months after the bill becomes law during the period that the worker's retirement benefit remains suspended. The treatment of divorcee spousal benefits in this context is unclear.

    No one who suspends his/her retirement benefit more than six months after the bill becomes law can collect an excess spousal or excess widow(er) benefit. The treatment of divorcee excess spousal benefits in this context is unclear.

    Those who suspend their retirement benefits can no longer receive their suspended retirement benefits in a lump sum payment.

    Updated 10/29/2015

    So CB is exempt from the "deeming" change, but it is not yet clear what happens with divorced spouse benefits per these folks.

  5. Livingalmostlarge Says:

    Interesting. Have you called to discuss what your options are?

  6. CB in the City Says:

    I might visit the SS office. Though it sounds like I might be okay. Maybe I should keep a low profile instead! Smile

  7. rob62521 Says:

    Sure hope it works out. It is a crime the way the legislators steal from those who need it most. Since I am a teacher, I will not be eligible for SSA although I worked jobs before and paid into it. Wonder if these legislators had to depend on SSA instead of their hefty government pensions if they would different laws. Wait, we know they would.

  8. AnotherReader Says:

    It appears that it was amended at the last minute. After reading several articles by generally knowledgeable people, my conclusion is the bill was poorly worded and no one is really sure what it says yet. Once the smoke clears, there should be some consensus about what changed and for whom. I would ignore every article in the news media until the descriptions of the changes are consistent.

  9. My English Castle Says:

    Crossing my fingers for you.

  10. FrugalTexan75 Says:

    Wow. That sure would be a kick in the gut to anyone counting on doing that scenario. Hope you are safe from it!

  11. PatientSaver Says:

    Wow, that's too bad. I remember writing about the "file and suspend" option when I was doing contract work for Prudential Annuities. Seemed like a very helpful option although for me as a single it wouldn't do anything.

    I agree that the people who need help the most are the ones who often lose out. That's why I vote Democratic.

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