At work I’m forced into a pension I don’t want (it is a condition of employment at many public sector organizations).
These pensions are topped up by tax payers money – many of those taxpayers contributing to my (and everyone else’s) pension are paid minimum wage themselves and don’t have any hope of saving for THEIR OWN retirement. They certainly don’t get a pension.
It makes my stomach turn… It would be funny if it weren’t so sick.
I have no hope in hell it will even be there for me when I retire 30 years from now… The baby boomers will have raped the kitty long before then, let alone the fact it is (mis)managed by the same morons who (mis)manage everything else in this province.
I am more than capable of investing my own money that I make for my own retirement (and I am sure the majority of everyone else is as well). Instead they steal $400 a month out of my pocket and I end up going into overdraft just to purchase the food I need for me and my son and to pay my rent.
The administrators response? I can quit my job if I don’t like the pension policies.
I think these people are mentally challenged.
Our income should be our money to do with as I please. It shouldn’t be up to government or employers to determine what is best for me.
I understand paying taxes for services for those less fortunate – that is fine I am totally ok with that. But, perhaps instead of investing it into a mutual fund, I’d invest it into a down payment for my house (the number one investment vehicle for Canadians – the ones who can afford it that is).
I am a single parent raising a kid, so my priorities are not the same as a nearly-dead with a pension love affair.
One size fits all benefits policies are essentially discriminatory in nature. Pensions assume an individual is a moron who isn’t competent enough to make their own financial choices – also it makes great assumptions about the validity and soundness of pension managers who aren’t at all accountable to me, unlike my own personal money manager would be.
I’ll take my freedom over financial tyrrany any day. Unfortunately here in this province , people have very little choice and very little freedom. —Dartmouthy
This article appears in Jan 5-11, 2012.
Didn’t you already bitch about this?
Did I? Sorry if I did… I might be a broken record sometimes… not much boils my blood more though than being poor when by all means I should be ok!
Tell ya what. Since you hate your pensions so much, when you start collecting, give it to charity. Or if you don’t like that, quit your job and take one that doesn’t have a pension plan. All solved.
As for minimum wage workers, they pay little to no taxes.
Well said! I agree 100%
one of these days old son, you will be glad they put you in the plan. take it from someone that was forced to semi retire, due to a medical reason. but when you need it, it will be there, and as you get older and infirmer, you will be damn glad it is.
Very helpful BroTim, spoken like a true union member…
That’s just it LS, I don’t think it will be there… have you seen how pensions performed this year?
How many pensions went belly up in this province over the past few years??
How many more pensions will be bailed out by tax dollars going forward?
I doubt that is palatable to many.
Let me put that money into my own mortgage! That is all I’m asking for, the ability to spend my money and invest as I see fit, related to my particular circumstances, not some misplaced socialist panacea…
I love my job, I just hate being forced into a benefits plan that makes life very difficult for me!
I will say, Dartmouthy, I agree that you should be able to use your money as you see fit and not have to pay into mandatory pension plans that support people now and may not be there when you want to draw upon it. That, to me, is akin to stealing.
Sadly, though, I’d postulate that a good number of people would be SHIT at saving for retirement if they had to do it on their own. Thank gawd for CPP, Old Age and the income supplement (well for now), because there are a lot of fools out there with absolutely no retirement savings. And what’s scary is, people are living longer and longer and need more and more money for retirement.
But, for people like me, I have an excellent private pension set up (RRSP and other long term pension savings) with a GREAT investment guy. He’s made my parents shit tons of money on their pensions. My dad went form $5k pay outs on his yearly lump sum from the bank on his private work pension he took out when the company he worked for left to over 25k/year, and it lasted just as long as if he kept taking the 5k out.
Why couldn’t I just use that money they put in the public pension to set up my own action that I could control myself and not have my employer use it to pay for others and have no guarantee that it’ll even be there when it’s time for me to draw it?
The place I work at doesn’t have a pension plan, which I think is a good thing and a bad thing — a lot of organizations will match pension contributions, which sucks to miss out on, but at the same time, I have the ability to control what I do with my pension money — who I put it with to invest and what kind of investments I make.
An RRSP instead of a pension would be a dream come true. As long as I’m not forced to steal money from others to top it up…
Mine converts to a locked in RIF that I can’t use for post secondary education, my son’s post secondary education, or for a home down payment. It sucks big time. And the best (only) response I’ve gotten is “If you don’t like it quit”… lol. Not exactly a thinkers response that is for sure.
At least your post isn’t one sided, and does not assume any nonsencical assertions like you are paying for the less fortunate with your tiny tiny contributions. Did you fuckin say 400$ per month? Are you fuckin kidding me? I went back and looked, you said 400$ per fuckin month, this is too god dam rich I swear ya can’t make this shit up.
First off 4800$ per year in deductions is what i assume you are referring to, which is not for pensions, that’s all deductions, and I was all worked up and about to explain how you are wrong, until I realized ur stupid. You use so much resources that we pay for, by having a kid. But its just expected that we contribute, because its moral. I say you should be fined, if you have a kid before you can afford it, fine you for any resources used above what you pay for.for you and your child and his kids, until they and you pay what you owe for the offspring you force us to pay for. How bout a fuckin condom? You fuckin ppl are amazing, you just keep asking for more than u deserve and are ablovious of your own ignorance, next should we also pay for your gass also when it goes above 125cents per liter? Fucking amazing, for you to be this fuckin stupid you must have had some stupid parrents, jesus fuckin christ. No wonder the top 1% have no sympothy, I know im close to having all my dreams come true this yr, because I’ve worked my whole life toward a goal, soon I’ll be in a position of being in the top 20%. And if you think I’ll be willing to give any of you a cent, you are more stupid than I will ever understand.
In closing, this is an example of how you are exactly the same as a rich person, only difference is you are not rich, they have hugh pensions from former employers and income from companies and investments. Even though they do not need social security or CPP or any other benefits, they simply draw it in order to get back some of what they paid over the yrs. I have no compassion for the poor in canada, you pieces of shit remind me of a criminal who refuses to testify in court because of a code you value. After you are in jail, your former “friends” do nothing for you, and you end up sucking cock in jail till you get out, when u get out after 20 yrs you find out, your children were raised by one of the prison guards. Who is now on better terms with your child and your parrents/siblings, so you decide to just go back to jail where things are more like what you are used to. The moral of the story is, you made your bed whore, lay in it and get to like it, it will be easier if you just take it. Fighting will only get you hurt.
Jim – my deducations last year totalled $19,680 – $4800 just for the pension…
As fir an thinkers response, when your wise investments collapse, and you loose everything. You would never go bankrupt and leave us with that burden would you?
If I was wrong and you are actually paying 400$ per month into a pension, you should feel lucky, that will be a nice pension. But i assume that was not the case, so my former post applies until you lie and tell us you work in the gov, I really would like to know what office pays you to play solitare?
D-man-“my deducations last year totalled $19,680 – $4800 just for the pension..”
D, what percentage of your income was that, do you mind if I ask? I’ll compare it with mine from Massachusetts, just for giggles…
So you are telling me you make like 70-90k per year, and you are complaining? You just get stupider every tome you speak lol holy fuck bitch
My wise investiment – of a home you mean? Just as likely to collapse as yours Jim
8% up to 45K Xeno, 10% beyond that
And I make just under $60K Jim… so once deductions and child support come off, I’m down to around $26K… That $400 a month would most definitely come in handy for a single Dad like me 🙂
And are you at work now, cause i suggest ya fuck shut up and do some fuckin work instead of posting here, I suggest they lock down your work network, you are only cutting your own throat.
i pay on self employed earning d., and it is all over the place. when i was saying about a pension being good, i meant the gubment one. that is guarenteed under law. it cannot be stopped at will, and the cash has to be there when you hit the required age. either of the company ones, can be dropped like a flash, and fuk all can be done there in the private sector ones. that’s why i prefer the gubment one. and yes my friend, it will be there when and if you make it to that age. are you a femalwe dartmouthy? from the sound of your post, you are either that, or a single father with a kid at home.
Ok dude im sorry but you are full of shit, or do not understand the tax code. Or you will get at least half your tax back in a few months. And as a single dad, you should appreciate the fact your kid costs us allot for education and health for his entire life, as usual you want more than you deserve.
Im glad you ppl are being stolen from, its cute seeing ya flop around. And yes I understand the tax codes and loopholes, if you don’t that’s your problem. Im not about to give you any kinda help, you get what u deserve.
OB, invest on your own….because your pension is not going to be enough. Get in those markets….make the cash 🙂
You’re not sorry Jim, you are crazy! I feel like Hal from 2001, this conversation with you will serve no purpose any longer, lol
So what you are saying, is you expect someone else to pay your child support lol .? How bout fuck yourself? Shut up and pay your bills, you deserve nothing more than anyone else. I notice you cherry pick what you respond to, dude you are a horrible parent, I feel sorry for your son.
I can’t afford to invest on my own, the money I’d have to play with is taken off my paycheck… I guess that is sort of my point with the Bitch seb. I want to be the master of my own domain as it were – I don’t want a taxpayer funded pension, as much as Jim doesn’t seem to get it. I am more than capable of handling things myself, if the tools were provided to me – these tools are financial independence.
I can’t claim my son as a dependant because of the way courts hand out decisions, so though I spend 50% of the time with him, I still pay full support and I get no tax credits, other than art camp or whatever, lol.
Yeah its nonsence, ya finally realize that do ya? Hiding in your home, telling half truths. Go fuck yourself lie, your gonna pay what ur told, and shut your pie hole
Single Dad LS, and yeah… mine isn’t really government, it’s one of those “arms length non-governmental agencies” aka socialist slush funds, that gets my money… so it isn’t guaranteed, and there is no accountability to me.
You do understand that RRSPs are invested just like the private sector pension plans. So it will go up and down as the market does. So you think you are better at investments than those who it is their profession to do so? Maybe if you have enough time and knowledge to do so.
How much of your deductions is CS?
That is true Jim, but at least with an RRSP I can use for other things, like my son’s schooling, or for a home downpayment.
Really I’d rather invest in a home.
I’d also put some into GIC’s, something safe and long term, but that would take liberty with my own money. At least I thought it was mine 😉
None of my deductions are child support, I pay that on my own, and that is a little under $500 a month.
Id also like to have special rules for me, how bout I get a check each month because i didn’t have kids? And the master of domain quote far as I recall is from seinfield, the masterbation contest episode. Maybe if you were master, you would not have a kid, and this would be fixed, you made the kid so its your problem. You are just another father crying that the deck is stacked against you, no different from a murderer, you made the choices. So pay up and shut up child with a child, don’t stick your cock in there idiot. Should people who contract aids get special rules also lol?, I pity both you son and his mother now.
In Quebec it is the rule of the land that all pensions, public or private, are at least RRSP based so that people can make applications to use the money for life events – I’m not looking for special rules for me, instead, I’m looking for a system that recognizes people’s different circumstances in life and allows them to be as successful, independent and self sufficient as possible.
I’m really glad I have my son, I wouldn’t take him back for anything in the world. I’m glad I can provide money to his Mom so he has what he needs when he is with her. It is all about him – I’m a parent. If I could use my earned money for a home, it would nebefit him. If I could use my earned money to pay for his post-secondary education, it would benefit him. If I could use the money to go back to school and get a batter job, it would be good for him too.
My cock is none of your business Jim, lol. You wouldn’t be able to handle it anyway I am sure haha
Buddy boy, I guarantee your cock is of little trouble to deal with, and if your son is over 16 I’ll take the pair of ya on anytime if both of you are a 5 out of 10 on the hotness scale. You took the job, and want special treatment, you site quebec, yeah sure. Let’s be more like them, but before that, let’s ask your son if he wants to pay your debts after you are dead. Also let’s see the math here, its simple math, but your smarter than me, go find out, quebec and ns debt incurred over the past 15 and 25 yrs, then break that down to a per capita ratio of debt per citizen in each prov , then we will need a plan to pay that debt, or shall we just write that off to the children also? Then let’s see exactly where your option stands, or will you instead just continue to cry foul when you must pay for what you use? I expect the latter
I’m not your buddy
And hopefully if I ever get off the socialist train to nowhere, he’ll have my house and my life insurance to pay any debts I might have
And if we are lucky, both of you will be killed in a car accident, so we don’t have to pay for either of you when your ignorance finally makes life too difficult. You live in canada, we have rules, abide by them, and pay for what you use, I assume you claim the pension payments on income tax right?
Talking about my 11 year old son on a hotness scale and hoping he is killed in a car crash. You are quite the piece of work no doubt about that. You must be a shining example of what being Canadian is, are you Jim?
Yes that’s right, im a real canadian, who is willing to do anything, and i mean anything to preserve what canada is and will not abide lies. Your 11 yo son is not of concern to me until he turns 16, I only play with boys who’s boy parts work bud 🙂
As for him dieing , if the world continues on the road it is now, death would be a kindness.
If you don’t like the questions, you just don’t answer right idiot, answer any of my questions I dare ya, or let’s meet for a coffee, id love to have you threaten me for speaking my mind, cowards never answer questions, nor do they take good care of children.
You’re one to call anyone else an idiot haha
I’m pretty sure you are the only one here doing any threatening
is this retard still posting???
jesus.
Dude, seriously, you need to check out lessons 1 thru 12
http://www.legionsofgotham.org/TS/TS/Matte…
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I suggest they lock down your work network
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And howza bout the terminal you’re using, in the mental hospital?
How long until you blow another head gasket and say you’re going to stop posting? Again?
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I feel sorry for your son
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How much time do you spend, per day, “worrying about” other peoples’ sons?
Need more saltpetre in the hospital eggs.
Wpaul
Sure wheel other sons bla bla, see this is just more of the same, im not threatening anyone, I wish to discuss these things in person, cause cowards never act so bold in person, id never hurt anyone, unless I felt threatened. You ppl are cowards, and until you realize that, im gonna speak to y’all like the pieces of shit you are.
Also if you don’t want your children brought into it, leave them out, otherwise they are fair game bitch, get this through your head, your fuckin kids are nothing to me or anyone else, I just wait till they are 16 and then I do whatever they ask me to, im sure I’ve had at least one of your sons in my life so far, you should see how much they love it. Usually they come over around 4am, and are back before you wake up 🙂
You poor thing! Try living on welfare and see if that helps your misery…
You’re one of the most sick, twisted individuals on here JK. How do you expect anyone to take anything you say seriously when you can’t even string together comprehensible sentences with proper grammar and spelling? Talking about doing shit with a young boy (yeah, 16 is a young boy when you’re a dirty ass old man)? For the most part, people come on here to post, let out anger, and debate with other people. Why are you so intent with meeting people in person? You’re coming across like an internet predator. I wouldn’t be surprised if you show up on “To Catch a Predator” with Chris Hansen busting your sick, fucked up ass.
literally… then he takes the mask off and it’s….
DUN DUN DAAAAAAAAAA…
sebasien!
I’m not sure if he knows what coward means…
but he likes to throw it around often enough
“I don’t want anything from you, only your obedience,”
my obedience is the opposite of wanting nothing from me, asshole.
the school bell’s ringing… better get back to 3rd grade english class.
Aww how cute, you think you have a choice weather to obey. Sure you have lots of choice, in a few months you are gonna see your choices. Soon you can explain to your new masters that you need money for medicine for your child, they will hand it right over.
The reason you don’t like how i type, is cause you are a sheep, bleeting to me that I’ve left the pack. You are going to be slaughtered. I’ll be fine, will you ask for understanding when you are being persicuted? Cause sry the people on here who side with you are gonna be there with u. Very soon I’ll be well off, while y’all cry and beg. Just remember, I offered to meet for a coffee and explain your error, you refused. You had a chance,now its time to show how smart ya are, wonder if you are smart enough to grow your own food like me ?
“i didn’t have kids” – All I can say is, Thank God Jim , Thank God!!!
Dartmouthy I thought your bitch makes a lot of sense. You shouldn’t waste your time responding to child molestery, trolling, internet rich people (closely related to internet tough guys). You know, you’ll never get that time back! 😉
I hear you D’mouthy … valid points and I’m in a similar position so I know the frustration you feel. I also agree with Mole Rat … that sicko douche was not worth the time you gave him.
come on people, troll feeding time is over for the day. let’s just all ignore him/her/it. and darty., yeah, i have been there too. kids are a pain sometimes, but also your greatest accomplishment too. i look at mine and know in my heart, that there is a thing called joy.
Thanks ML perservere and LS… I just couldn’t believe anyone would say those things!! If I can make more sense than that guy I am doing ok, lol
It’s a manifestation of his disability, D man. Click ignore.