All This That No One Cares About

[The Evil Dr. Longshadow]

8 minutes ago, André Toulon said:

That requires personal responsibility and Lola just isn't about that life

It's not on this phone

[discolé monade]

 

[André Toulon]

6 minutes ago, The Evil Dr. Longshadow said:

It's not on this phone

Omfg🤣🤣🤣

Prove it🤡

[André Toulon]

Fuck it, this is as good a place as any. It doesnt really need it's own thread.

ICE trying to steal local law enforcement with 50k bonus over 5 years 🤣. 

Nothing of note os ever going to happen to Trump, but watching him fuck over those who thought je had their backs os hilarious 

[The Evil Dr. Longshadow]

52 minutes ago, André Toulon said:

Fuck it, this is as good a place as any. It doesnt really need it's own thread.

ICE trying to steal local law enforcement with 50k bonus over 5 years 🤣. 

Nothing of note os ever going to happen to Trump, but watching him fuck over those who thought je had their backs os hilarious 

'Nothing of note os ever going to happen..."?

And who is 'je"?

You're trippin', man...

Edited Sunday at 12:47 PM by The Evil Dr. Longshadow

[André Toulon]

23 minutes ago, The Evil Dr. Longshadow said:

'Nothing of note os ever going to happen..."?

And who is 'je"?

You're trippin', man...

See, this works on you because you are emotionally attached to your shortcomings. 

Idgaf about you catching a typo.  But just to make sure you still understand the rift between what I did and what you do, I is next to O on the keyboard. J is next to H. Misclicks. 

You misspelling gawking is just you not knowing how to spell the words you try to use because W and U aren't even close to each other, so that's just illiteracy, not a typo.

Edited Sunday at 01:08 PM by André Toulon

[discolé monade]

all this that no one cares about.....

except the release of the epstein files. 

 

[lupin_bebop]

On 7/31/2025 at 11:22 PM, The Evil Dr. Longshadow said:

Oh, THIS I gotta hear...

 

How do YOU think it works?

Pensions vest as early as 5 years. Saying you have “a fully vested pension” says both Jack and shit. It means nothing. Pensions and 401(k)s at most companies are separate assets/investments.

Pensions are usually saved for more blue collar/government jobs, as people that are in those tend to stay in them for (on average) 25+ years. They also tend to be union jobs, so part of those dues are for this fund. As previously stated, they can vest as early as 5 years. Saying you have “a fully vested pension” is not a flex. It just means “I’ve been at my job 5 years or more.” Hurray. You’ve done the equivalent of getting through the probationary period of most union work, only financially. In a divorce, a pension can be fully taken by spouse or family. Which is why there are people that will kill for them.

401(k) plans, on the other hand, usually don’t fully vest until a set period of employment. There are a couple different styles. There’s graded, which means after certain periods, you earn a percentage of ownership, and the longer the period, the more ownership. Then, there’s cliff, which means all or nothing, until the time you reach. It varies per company. Also, YOU pay into these, and the company matches that (up to a certain point). That means BOTH of you are vested in your employment. A 401(k) can be taken in divorce insofar as whatever was accrued during marriage can be taken, but anything before can’t.

Source(s) for all of the above: 3 CPA cousins, 3 uncles in Armed Forces/police/government jobs, and myself, who has worked at several Fortune 500 companies.

It would’ve been a better flex to say “I have a fully vested 401(k),” because that means you’ve probably been somewhere for (on average) 8-10 years. In your 30s…..you’re basically giving the financial equivalent of “I have a girlfriend! You don’t know her, she’s from [insert X country here].”

But, alas, you, as usual, went with the stupid option. Then, decided to think you’re the smartest guy in the room, which you aren’t. You’re a mental midget compared to me, my dude. Just give it up.

 

Edited Sunday at 07:41 PM by lupin_bebop

[The Evil Dr. Longshadow]

39 minutes ago, lupin_bebop said:

Pensions vest as early as 5 years. Saying you have “a fully vested pension” says both Jack and shit. It means nothing. Pensions and 401(k)s at most companies are separate assets/investments.

Pensions are usually saved for more blue collar/government jobs, as people that are in those tend to stay in them for (on average) 25+ years. They also tend to be union jobs, so part of those dues are for this fund. As previously stated, they can vest as early as 5 years. Saying you have “a fully vested pension” is not a flex. It just means “I’ve been at my job 5 years or more.” Hurray. You’ve done the equivalent of getting through the probationary period of most union work, only financially. In a divorce, a pension can be fully taken by spouse or family. Which is why there are people that will kill for them.

401(k) plans, on the other hand, usually don’t fully vest until a set period of employment. There are a couple different styles. There’s graded, which means after certain periods, you earn a percentage of ownership, and the longer the period, the more ownership. Then, there’s cliff, which means all or nothing, until the time you reach. It varies per company. Also, YOU pay into these, and the company matches that (up to a certain point). That means BOTH of you are vested in your employment. A 401(k) can be taken in divorce insofar as whatever was accrued during marriage can be taken, but anything before can’t.

Source(s) for all of the above: 3 CPA cousins, 3 uncles in Armed Forces/police/government jobs, and myself, who has worked at several Fortune 500 companies.

It would’ve been a better flex to say “I have a fully vested 401(k),” because that means you’ve probably been somewhere for (on average) 8-10 years. In your 30s…..you’re basically giving the financial equivalent of “I have a girlfriend! You don’t know her, she’s from [insert X country here].”

But, alas, you, as usual, went with the stupid option. Then, decided to think you’re the smartest guy in the room, which you aren’t. You’re a mental midget compared to me, my dude. Just give it up.

 

Mine was ten years of vesting service.  It was not reduced to five years until after my twelfth year.  I spent more than thirty years, altogether. 

[lupin_bebop]

Oh wow. No attempt at a come back? No futile attempt to overheat your brain trying to outwit or outsmart me? No mental gymnastics? About time you simply acknowledge simple facts and state them.

Good boy. 

[The Evil Dr. Longshadow]

1 minute ago, lupin_bebop said:

Oh wow. No attempt at a come back? No futile attempt to overheat your brain trying to outwit or outsmart me? No mental gymnastics? About time you simply acknowledge simple facts and state them.

Good boy. 

Part of the whole pension system is funded by the suckers who don't stay long enough to vest.  The system is counting on a certain number of people who either get fired or stomp off the job to quit before their third year.  The money paid into the account goes back into a general fund.

[scoobdog]

On 8/2/2025 at 2:58 AM, The Evil Dr. Longshadow said:

How soon?  When I took the job, I had to wait ten years to vest.  The union has more recently changed that to five years.

Ten years just to earn the right to a pension?  They must really hate you.

[The Evil Dr. Longshadow]

6 hours ago, scoobdog said:

Ten years just to earn the right to a pension?  They must really hate you.

No, that policy was for everybody.  It was later changed to five years after a CBA negotiation.

[stilgar]

9 hours ago, The Evil Dr. Longshadow said:

No, that policy was for everybody.  It was later changed to five years after a CBA negotiation.

Yeah, you keep telling yourself that nerd.

[lupin_bebop]

On 8/3/2025 at 3:42 PM, The Evil Dr. Longshadow said:

Part of the whole pension system is funded by the suckers who don't stay long enough to vest.  The system is counting on a certain number of people who either get fired or stomp off the job to quit before their third year.  The money paid into the account goes back into a general fund.

…….Aaaaand there’s the stupid. 
You couldn’t NOT say stupid shit for 6 whole minutes……..your poor……whatever takes deposits from you.

Edited Tuesday at 02:46 PM by lupin_bebop

[The Evil Dr. Longshadow]

2 hours ago, lupin_bebop said:

…….Aaaaand there’s the stupid. 
You couldn’t NOT say stupid shit for 6 whole minutes……..your poor……whatever takes deposits from you.

Okay, do you really think any money is kept in perpetuity for any person who will never be eligible to collect on it, with his name on it?

[The Evil Dr. Longshadow]

22 hours ago, stilgar said:

Yeah, you keep telling yourself that nerd.

I know the difference between the old CBA and the more recent ones.

[1pooh4u]

1 hour ago, The Evil Dr. Longshadow said:

Okay, do you really think any money is kept in perpetuity for any person who will never be eligible to collect on it, with his name on it?

Do you really think they can’t look at employment records and see exactly how much an employee has put into a pension fund?  You think that money shouldn’t be returned? Why should you get to enjoy the fruits of someone else’s labor? 

[SwimOdin]

1 hour ago, 1pooh4u said:

Do you really think they can’t look at employment records and see exactly how much an employee has put into a pension fund?  You think that money shouldn’t be returned? Why should you get to enjoy the fruits of someone else’s labor? 

Packard is a communist.

[The Evil Dr. Longshadow]

1 hour ago, 1pooh4u said:

Do you really think they can’t look at employment records and see exactly how much an employee has put into a pension fund?  You think that money shouldn’t be returned? Why should you get to enjoy the fruits of someone else’s labor? 

The worker himself doesn't pay anything into it.

[1pooh4u]

6 minutes ago, The Evil Dr. Longshadow said:

The worker himself doesn't pay anything into it.

Then who pays for it? You yourself said the pension fund relies on workers putting in money but quitting after a short time. 

[1pooh4u]

18 minutes ago, SwimOdin said:

Packard is a communist.

Ofc when it benefits him 

[André Toulon]

On 8/3/2025 at 3:42 PM, The Evil Dr. Longshadow said:

Part of the whole pension system is funded by the suckers who don't stay long enough to vest.  The system is counting on a certain number of people who either get fired or stomp off the job to quit before their third year.  The money paid into the account goes back into a general fund.

Ok, so in this post you implied that workers....the suckers, paid into it, quit and their money is returned to the pool.

You are now saying they dont pay into it.

Now I dont know shit about traditional pensions, so I looked it up. You had a pension that was completely paid by your employer, so it wasn't protected and you since you didnt contribute and had no say on how they played with the funds allocated to you. 

So if the company went tits up after your 30 years, you would be fucked.... I'll assume the union would eat some of that damage, but your vesting was sitting on a pile of dynamite.

No wonder workers opt for 401ks and traditional pensions are archaic at best.

Thank you for making me look because i really didnt know how my 401 differed from this goofball plan you were enrolled in. It seems if the union gave a shit about you, they would have implored you to pursue a 401k, but it was likely obvious you couldn't pay into your own retirement. Or they offered and you said no.

As i said, dont know shit about your pension, so if I'm wrong, i welcome your sources to prove me wrong and I'll concede because my ego isnt attached to my own delusion and ignorance, but your anecdotal evidence isnt a source

 

[1pooh4u]

17 minutes ago, André Toulon said:

Ok, so in this post you implied that workers....the suckers, paid into it, quit and their money is returned to the pool.

You are now saying they dont pay into it.

Now I dont know shit about traditional pensions, so I looked it up. You had a pension that was completely paid by your employer, so it wasn't protected and you since you didnt contribute and had no say on how they played with the funds allocated to you. 

So if the company went tits up after your 30 years, you would be fucked.... I'll assume the union would eat some of that damage, but your vesting was sitting on a pile of dynamite.

No wonder workers opt for 401ks and traditional pensions are archaic at best.

Thank you for making me look because i really didnt know how my 401 differed from this goofball plan you were enrolled in. It seems if the union gave a shit about you, they would have implored you to pursue a 401k, but it was likely obvious you couldn't pay into your own retirement. Or they offered and you said no.

As i said, dont know shit about your pension, so if I'm wrong, i welcome your sources to prove me wrong and I'll concede because my ego isnt attached to my own delusion and ignorance, but your anecdotal evidence isnt a source

 

So Packard referring to the workers as “suckers” was incorrect because they lost nothing. That’s why I assumed the workers put in because he called them that. 

[The Evil Dr. Longshadow]

12 minutes ago, André Toulon said:

Ok, so in this post you implied that workers....the suckers, paid into it, quit and their money is returned to the pool.

You are now saying they dont pay into it.

Now I dont know shit about traditional pensions, so I looked it up. You had a pension that was completely paid by your employer, so it wasn't protected and you since you didnt contribute and had no say on how they played with the funds allocated to you. 

So if the company went tits up after your 30 years, you would be fucked.... I'll assume the union would eat some of that damage, but your vesting was sitting on a pile of dynamite.

No wonder workers opt for 401ks and traditional pensions are archaic at best.

Thank you for making me look because i really didnt know how my 401 differed from this goofball plan you were enrolled in. It seems if the union gave a shit about you, they would have implored you to pursue a 401k, but it was likely obvious you couldn't pay into your own retirement. Or they offered and you said no.

As i said, dont know shit about your pension, so if I'm wrong, i welcome your sources to prove me wrong and I'll concede because my ego isnt attached to my own delusion and ignorance, but your anecdotal evidence isnt a source

 

You don't know half of it.  The casino pays into it, the union farmed out its management to a trust company.  Once any money hits the trust company, it's all out of the casino's hands.  The casino can not withdrawal the funds, write checks from the funds or close the accounts.  It's only authorized to deposit into it.

And, if I had quit one casino and taken a new job at another that was covered by the local CBA, the vesting service would have simply picked up where I had left off.  That's called portability.  It was designed that way in the CBA because the union took some time and effort to prepare in advance for bullshit such as what Carl Icahn pulled off.

[The Evil Dr. Longshadow]

4 minutes ago, 1pooh4u said:

So Packard referring to the workers as “suckers” was incorrect because they lost nothing. That’s why I assumed the workers put in because he called them that. 

They totally lost some opportunity.  It's very likely they won't see Jack shit of any extra income in the event of disability or old age.  

[1pooh4u]

4 minutes ago, The Evil Dr. Longshadow said:

They totally lost some opportunity.  It's very likely they won't see Jack shit of any extra income in the event of disability or old age.  

And ofc you base this off of nothing other than conjecture 

[André Toulon]

12 minutes ago, The Evil Dr. Longshadow said:

You don't know half of it.  The casino pays into it, the union farmed out its management to a trust company.  Once any money hits the trust company, it's all out of the casino's hands.  The casino can not withdrawal the funds, write checks from the funds or close the accounts.  It's only authorized to deposit into it.

And, if I had quit one casino and taken a new job at another that was covered by the local CBA, the vesting service would have simply picked up where I had left off.  That's called portability.  It was designed that way in the CBA because the union took some time and effort to prepare in advance for bullshit such as what Carl Icahn pulled off.

Well, as I said... your word is cowpie. What i read was that the employer pays into it and can invest the funds as they see fit, meaning they could lose your money. 

401ks can be transferred, traditional pensions can be transferred up to the amount the employee voluntarily opted to add to it. Nothing was mention about a pension being paid to a union to keep safe, but as i stated....if you have a source, i have no problem conceding...but I'm just not going to blindly believe you over what I read on the IRS site..... Ok.

Edited Tuesday at 08:57 PM by André Toulon

[The Evil Dr. Longshadow]

Just now, 1pooh4u said:

And ofc you base this off of nothing other than conjecture 

I base it on the fact that when you fail to complete your vesting service, you get goose egg from the pension system. 

Now, maybe some of those people have found other investments to make.  So?  They're still minus the supplement.

[The Evil Dr. Longshadow]

1 minute ago, André Toulon said:

Well, as I said...you word os cowpie. What i read was that the employer pays into it and can invest the funds as they see fit, meaning they could lose your money. 

401ks can be transferred, traditional pensions can be transferred up to the amount the employee voluntarily opted to add to it. Nothing was mention about a pension being paid to a union to keep safe, but as i stated....if you have a source, i have no problem conceding...but I'm just not going to blindly believe you over what I read on the IRS site..... Ok.

Wtf is YOUR source?  Let me guess... some article about how MOST pensions work, not the specific system my CBA spells out.

 

Look, if it really did work the way you read it in Eris knows where, my whole pension would zero right now because the casino had been bought and sold like a bubble gum card over the past thirty years by one goofy fly by night outfit after another.  A pension drawn your way would have been stolen a long time ago.

[André Toulon]

Irs.gov

[The Evil Dr. Longshadow]

12 minutes ago, André Toulon said:

Irs.gov

So?  Does that mention my specific plan or just a broad brush that covers how MOST pensions work?

Hint: fiduciary 

Edited Tuesday at 09:31 PM by The Evil Dr. Longshadow

[André Toulon]

6 minutes ago, The Evil Dr. Longshadow said:

So?  Does that mention my specific plan or just a broad brush that covers how MOST pensions work?

Hint: fiduciary 

Idk, didn't seem broad to me. But thats why i await your source. I want to see what made yours unique. 

[The Evil Dr. Longshadow]

Just now, André Toulon said:

Idk, didn't seem broad to me. But thats why i await your source. I want to see what made yours unique. 

I already told you.

Look up Amalgamated Benefits. 

[1pooh4u]

50 minutes ago, The Evil Dr. Longshadow said:

I base it on the fact that when you fail to complete your vesting service, you get goose egg from the pension system. 

Now, maybe some of those people have found other investments to make.  So?  They're still minus the supplement.

Maybe they went on to something better?  nothing was lost to them because it wasn’t their money going into it 

[The Evil Dr. Longshadow]

35 minutes ago, 1pooh4u said:

Maybe they went on to something better?  nothing was lost to them because it wasn’t their money going into it 

It all comes out in the wash.  Some of them are older than I am and so I don't really see where they could have gone besides Starbucks or Burger King.

[André Toulon]

1 hour ago, The Evil Dr. Longshadow said:

I already told you.

Look up Amalgamated Benefits. 

Nope, you never have.

 

But i will now and if it doesnt say what you think, I'm just going to come laugh and let your disingenuous ass cook yourself

Edited Tuesday at 10:40 PM by André Toulon

[The Evil Dr. Longshadow]

8 minutes ago, André Toulon said:

Nope, you never have.

 

But i will now and if it doesnt say what you think, I'm just going to come laugh and let your disingenuous ass cook yourself

Two separate statements up there, Jacko.

First one not related to the second.

[André Toulon]

4 minutes ago, The Evil Dr. Longshadow said:

Two separate statements up there, Jacko.

First one not related to the second.

LolWut. I just searched the word amalgamated. A word you never used before you told me that you said to look it up, you didn't....

I went to the amalgamted benefits site, and nothing on there says what you said. I even opend the employer tabs. So i just gonna call bullshit and let you find some other shit to make up

Edited Tuesday at 10:53 PM by André Toulon

[The Evil Dr. Longshadow]

5 minutes ago, André Toulon said:

LolWut. I just searched the word amalgamated. A word you never used before you told me that you said to look it up, you didn't....

I went to the amalgamted benefits site, and nothing on there says what you said. I even opend the employer tabs. So i just gonna call bullshit and let you find some other shit to make up

They're a fiduciary.  You didn't read it all that quickly, and even if you did, it's not going to mention who their clients are or how they handle client funds.  The union is the client, not the casino.

 

Besides, you only asked me to prove there is a fiduciary instead of the casino controlling the funds.  

Edited Tuesday at 10:59 PM by The Evil Dr. Longshadow

[André Toulon]

43 minutes ago, The Evil Dr. Longshadow said:

They're a fiduciary.  You didn't read it all that quickly, and even if you did, it's not going to mention who their clients are or how they handle client funds.  The union is the client, not the casino.

How long to you think it takes to read 🤣.

So what you're saying is you sent me to look for something somewhere that ot didnt exist. I was hoping that was the case. There is no reason for me to ever think you know what you're talking about 

I already knew that, but I want to give you a fair chance every once in a while. Always a fruitless endeavor 

 

Edited Tuesday at 11:39 PM by André Toulon

[The Evil Dr. Longshadow]

1 minute ago, André Toulon said:

How long to you think ot takes to read 🤣.

So what you're saying is you sent to to look for something somewhere that ot didnt exist. I was hoping that was the case. There is no reason for me to ever think you know what you're talking about 

I already knew that, but I want to give you a fair chance every once in a while. Always a fruitless endeavor 

 

Okay... So, when the union gives the funds to that fiduciary, who do you THINK has control over it?

You only asked me to prove that the fiduciary exists.

Yes, because I TOLD YOU that's where the funding was going, NOT to the casino's stock brokerage accounts. 

[katt_goddess]

Packard arguments - 

[naraku360]

3 minutes ago, The Evil Dr. Longshadow said:

So, when the union gives the funds to that fiduciary, who do you THINK has control over it?

Probably someone who knows smoke has a smell.

[The Evil Dr. Longshadow]

1 minute ago, katt_goddess said:

Packard arguments - 

I told the guy where the funding was going, he didn't believe it, and so I showed him the financial management firm that handles it.  Does it look like a casino?

[André Toulon]

7 minutes ago, The Evil Dr. Longshadow said:

Okay... So, when the union gives the funds to that fiduciary, who do you THINK has control over it?

You only asked me to prove that the fiduciary exists.

Yes, because I TOLD YOU that's where the funding was going, NOT to the casino's stock brokerage accounts. 

Oh, see i thought you understood the question. I'm looking for information saying that in a traditional pension, the funds are allocated to the union and the employer has no control on how its used. I wasn't looking for the third party used by your union.

But its quite clear you just want to move goalpost and deflect from what I'm asking, so I'm just gonna say bullshit. 

And the thing is....its probably not bullshit....but I'm just not going to take YOUR word for it because you are a habitual liar.

[katt_goddess]

2 minutes ago, The Evil Dr. Longshadow said:

I told the guy where the funding was going, he didn't believe it, and so I showed him the financial management firm that handles it.  Does it look like a casino?

It took you like 50 replies to say 'Amalgamated Benefits', you didn't say specifically it was an actual name of a firm let alone the firm supposedly in charge of all this mystery money, and apparently the info that you - someone who never actually seems to know even the most basic of current events - are able to spout out isn't exactly right on page one of any of the links at that site. 

You aren't Socrates, there is zero need to go all Elenchus here. 

[The Evil Dr. Longshadow]

1 minute ago, André Toulon said:

Oh, see i thought you understood the question. I'm looking for information saying that in a traditional pension, the funds are allocated to the union and the employer has no control on how its used. I wasn't looking for the third party used by your union.

But its quite clear you just want to move goalpost and deflect from what I'm asking, so I'm just gonna say bullshit. 

And the thing is....its probably not bullshit....but I'm just not going to take YOUR word for it because you are a habitual liar.

I didn't say it's a traditional pension.

[André Toulon]

18 minutes ago, The Evil Dr. Longshadow said:

I didn't say it's a traditional pension.

So now you had a 401k?

Look dude, in case i wasn't clear with my last statement, we're done here. I know i didnt actually say that, but that seems to be how you like to communicate 

Edited Tuesday at 11:40 PM by André Toulon

[The Evil Dr. Longshadow]

2 minutes ago, katt_goddess said:

It took you like 50 replies to say 'Amalgamated Benefits', you didn't say specifically it was an actual name of a firm let alone the firm supposedly in charge of all this mystery money, and apparently the info that you - someone who never actually seems to know even the most basic of current events - are able to spout out isn't exactly right on page one of any of the links at that site. 

You aren't Socrates, there is zero need to go all Elenchus here. 

I told him several pages ago that the funds all go to a third party administrator.

Yes, that means the casino is not managing it.

He's all twisted up in thinking that every... single... pension... in existence works exactly the same way he read on an IRS web page.  It's not true.