Tundras live: Dumb Dad Jokes, Incorrect Opinions, Relationship Advice, and Parking Etiquette

GODZILLA · Jul 30, 2025 at 7:26 AM

Somebody on TW got a shot of @Azblue 's son when he was lost in Europe as a kid.

Tripleconpanna · Jul 30, 2025 at 7:27 AM

nobodyintexas said: ↑

whenever I get brain dead and need a spark....(which is often)

I do one of 2 things:

1. go watch taser videos on youtube

2. check in on 3rd gen threads

both are consistently effective.
Click to expand...

Why don't you just buy a taser and have someone contact tase you when you need a 'spark'

Of course, unless you want the full 'dart' experience

nobodyintexas · Jul 30, 2025 at 7:30 AM

Tripleconpanna said: ↑

Why don't you just buy a taser and have someone contact tase you when you need a 'spark'

Of course, unless you want the full 'dart' experience
Click to expand...

Tripleconpanna · Jul 30, 2025 at 7:38 AM

nobodyintexas said: ↑

Click to expand...

https://armsunlimited.com/taser-x26-functioning-used/

https://armsunlimited.com/taser-x26p-functioning-great-condition-used-surplus/

You will need to add at least one battery to your cart, but I'd recommend 3 or 4 at this price... cuz you're gonna play with it more than you think

https://armsunlimited.com/taser-x26p-battery-surplus-like-new/

And you'll want some cartridges too... Do not waste your money on 'training' cartridges; you'll want the black ones w/the green doors (25')

You're welcome...

It's a measley investment for hours of dopamine based entertainment

PS>>> The science is important...

Being tased can trigger dopamine release in the brain

The body's response to being tased is a stressful and painful experience. While dopamine is commonly associated with pleasure and reward, recent research suggests it plays a more complex role in the brain and is also involved in the body's response to pain and stress.

Specifically, dopamine release may act as a signal of salience during the stressful event of being tased, mediating motivated behavior like pain avoidance or coping strategies. This release is linked to the motivational component of the pain experienced, not necessarily just pleasure.

nobodyintexas · Jul 30, 2025 at 7:41 AM

Tripleconpanna said: ↑

https://armsunlimited.com/taser-x26-functioning-used/

https://armsunlimited.com/taser-x26p-functioning-great-condition-used-surplus/

You will need to add at least one battery to your cart, but I'd recommend 3 or 4 at this price... cuz you're gonna play with it more than you think

https://armsunlimited.com/taser-x26p-battery-surplus-like-new/

And you'll want some cartridges too... Do not waste your money on 'training' cartridges; you'll want the black ones w/the green doors (25')

You're welcome...

It's a measley investment for hours of dopamine based entertainment

PS>>> The science is important...

Being tased can trigger dopamine release in the brain

The body's response to being tased is a stressful and painful experience. While dopamine is commonly associated with pleasure and reward, recent research suggests it plays a more complex role in the brain and is also involved in the body's response to pain and stress.

Specifically, dopamine release may act as a signal of salience during the stressful event of being tased, mediating motivated behavior like pain avoidance or coping strategies. This release is linked to the motivational component of the pain experienced, not necessarily just pleasure.
Click to expand...

nobodyintexas · Jul 30, 2025 at 7:45 AM

Tripleconpanna said: ↑

https://armsunlimited.com/taser-x26-functioning-used/

https://armsunlimited.com/taser-x26p-functioning-great-condition-used-surplus/

You will need to add at least one battery to your cart, but I'd recommend 3 or 4 at this price... cuz you're gonna play with it more than you think

https://armsunlimited.com/taser-x26p-battery-surplus-like-new/

And you'll want some cartridges too... Do not waste your money on 'training' cartridges; you'll want the black ones w/the green doors (25')

You're welcome...

It's a measley investment for hours of dopamine based entertainment

PS>>> The science is important...

Being tased can trigger dopamine release in the brain

The body's response to being tased is a stressful and painful experience. While dopamine is commonly associated with pleasure and reward, recent research suggests it plays a more complex role in the brain and is also involved in the body's response to pain and stress.

Specifically, dopamine release may act as a signal of salience during the stressful event of being tased, mediating motivated behavior like pain avoidance or coping strategies. This release is linked to the motivational component of the pain experienced, not necessarily just pleasure.
Click to expand...

AND

you failed to address the associated Cortisol surge.

presently my life goal is to rid myself of any/all cortisol inducing activities.

Tripleconpanna · Jul 30, 2025 at 7:51 AM

nobodyintexas said: ↑

AND

you failed to address the associated Cortisol surge.

presently my life goal is to rid myself of any/all cortisol inducing activities.
Click to expand...

Tripleconpanna · Jul 30, 2025 at 7:53 AM

nobodyintexas said: ↑

AND

you failed to address the associated Cortisol surge.

presently my life goal is to rid myself of any/all cortisol inducing activities.
Click to expand...

Stop eating so many processed foods, sugars, refined carbs, caffeine, alcohol, etc...

There...

1lowlife · Jul 30, 2025 at 8:11 AM

Tripleconpanna said: ↑

What it really comes down to is... do the numbers work??? If they do, then don't wait; especially if you're are going to be drawig a pension (can't remember if you said you were on a pension, 401k, etc...) Once you are formally collecting a pension, it's much more difficult for them to unwind or renig on it... However, A LOT can happen that may affect your pension and ability to collect as originally intended preemptive of you pulling the plug. I believe you are union based, etc. so the odds of that happening (someone pulling the rug out from under you) is pretty nill, but things are freakin' strange these days and you just never know...

As someone else said, retiring isn't necessarily the end of work; it's simply the end of a chapter and an opportunity to turn the page...

Buyouts are great, just make sure you read the fine print and make sure you're not giving up anything. For us, guys that took a buyout signed away their rights to retiree healthcare (this was a huge exchange). However, the longevity of retiree healthcare for us wasn't absolute; in other words it could be cancelled if it became non-sustainable (which based on an actuary's assessment about 2 years ago), it had already become. So, we were notified that the coverage was being limited to a certain number of years.... If any of the language in the settlement "buyout" is questionable or not clearly articulated, run it by an attorney before you sign.

Normally, the buyouts aren't engineered to 'screw' the empolyee, as the employer benefits from getting rid of high $$$ senior employees and replacing them w/lower pay rate and reduced benefited newer employees that aren't grandfathered into older contracts...

Also, have a plan... Take 6 months or so and enjoy the free time, get a few projects done, but begin working on that next chapter. Put something together that gives you structured purpose w/o the absolute obligation of a 40-50 hour work week.

I'm sure you grew up in an era when the 'buzz' was to develop a lifestyle that provided you with financial freedom (you aren't trading time for money). Residual income is another term and similar concept to this. In other words, you've created a situation where either your money continually makes you money or where you receive money for work you've previously done and are now being compensated without putting in additional labor (in other words you are no longer trading time for money).... This was the basis of Amway, pyramid schemes, lucrative investments (for those that had the capital), etc. from back in the day (our days).

Well, entering 'retirement' (particulary under a pension) gives you just that... For me, I've never been nor will I ever be 'rich'. But, we are comfortable and are able to do so without lifting a finger, I wake up making a six figure income; each year; every year; for the remainder of my life. Also, the way we structured our 'options at retirement', if I die preemptive of my wife, she'll continue to collect my FULL pension for the remainder of her life. I lose about 8-9% a year of income for taking this option, but it protects my wife in the event of my death as the 'normal' option and 'full' benefit would result in her receiving only 50% of my pension for the remainder of her life. Make sure you review options that are available to you.

Another thing you should do if you are sitting on a pension is take a serious look at the 'fund' that pays out your pension and be informed on how it's managed and the fund's prospectus.

Here's the fund that pays me... it's public record and easy to find. This is our annual financial statement. It shows the fund's assets, liabilities and actuary based positions in the future. It also shows where/how the money is invested. The fund currently has over $64 billion in assets restricted for pension benefits. We are in a pretty good position considering all of the recent ups and downs of the economy. So, I'm confident that my pension will not be disrupted. Check for something like this through your own system. It helps w/peace of mind and stay somewhat involved with monitoring what's happening w/it throughout your retirement.

https://www.nvpers.org/sites/default/files/2025-04/!PAFR FY 2024 FINAL (2).pdf

So, again, if the numbers work for you and everything lines up... jump on it.

You'll also want to explore tax implications of your timing. So, if your buy out happens at the end of the year, you've been collecting income as usual through the entire year, plus now a lump sum gets thrown in their... you're gonna have a higer tax burden next year unless you can find a way to route some of those funds to a pre-tax account such as a 457... If you do have a 457 (deferred comp), don't forget you can take advantage of 'catch up' rules if your contributions haven't been maxed out for the entire duration of your employment. I'm pretty sure they've (the laws) have changed since my retirement, but back then you could 'declare' your final 3 years (pre-retirement) and double the allowable contribution to your 457. So, instead of $19,500/per year or whatever it was back then, we were able to contribute $39,000 per year into the 457 (pre-tax). Based on that I decided to retire in January, so my final check (which contained payout of all my extra sick, vacation, and for those that took buyouts any other lump payments) I dedcuted almost a full $40k off the top of that final check; which signifcantly reduced my tax burden the next year.

Again, just stuff to consider and factor into your timing and decisions about when to pull the trigger.

Don't hesitate needlessly, but also take advantage of every opportunity you have to maximize how much of the buyout, income, pension, etc.. stays in your pocket (especially for that final year of employment).
Click to expand...

Thank you for taking the time to type that out.

A lot of good info and things to consider.
I'm applying this morning, and they should tell me in 2 weeks if I'm accepted.

This buyout has no effect on my pension or retiree healthcare.
The only thing is I'll have to pay $200 a month each for the wife and I for health insurance as opposed to paying nothing for 39 years.
But it was like that before the buyout.

I compared the healthcare profiles between working and retired, and they aren't that different.
Pay a little more for prescriptions, surgeries and hospitalization are 80% instead of 100%, but that is only until the $1K out of pocket is met, then everything is covered 100%.
$1K out of pocket is 1 trip to the ER, I've met that the last few years in a row.

The pension is backed by the company and the union, but the company manages and pays for most of it.
Hopefully, UPS won't go out of business, but you never know the way things are going.

Tax implications shouldn't be a problem.
I technically only worked 8 paid days this year, my first surgery was January 15th.
I've had a few vacation checks, and they will still owe me for 2 vacation weeks and 8 sick days, as well as any vacation time I earned for next year.

Since I did't work 165 days, I won't get my full 6 weeks vacation for next year.
I technically 'worked' 3 1/2 months, the half of January and the 3 months of FLMA.
FLMA is just like if I punched in at work.
I guess they'll prorate if and give me something.

My last vacation check stub stated I've only made $14K this year, the back pay for the time off I haven't taken will amount to another $6k.

The trickiest part is that it takes 60 to 90 days to process pension paperwork.
So when they tell me I'm accepted, I'll apply for the pension, and I may go without insurance and any income for 60 - 90 days.
BUT, I will be paid and any insurance claims will be paid retroactively to the date I applied, or the day after my last paid work day.
Technically, I'm on disability, so my last workday will be the day they terminate me, which is tentatively August 31, 2025.
The income I'm not worried about, but going without insurance, even though it will end up being covered, is a little scary.

Our biggest challenge, if I'm accepted, is when do I start taking SS?
I've read a lot on it and it seems to be a gamble either way.
If I wait 2 more years when I turn 65, I'll get $500 more a month, that's $6K year, over 10 years that's a lot of $$.
That could be money to buy my Gen 11 Tundra if Toyota gets their shit together.
Although I plan to keep my 2014 until it dies.

I think we can make it on just her working and my pension.
We'll see how it goes, I have no debt other than the mortgage.

Thanks again @Tripleconpanna

Sorry to everyone tired of reading my retirement stuff.
It's just that I trust you guys and value your input.
You guys are better friends to me than any actual friends I may or may not have.
I'll slack off on it now, but I will let you know if I get accepted..

nobodyintexas · Jul 30, 2025 at 7:59 AM

Tripleconpanna said: ↑

Stop eating so many processed foods, sugars, refined carbs, caffeine, alcohol, etc...

There...
Click to expand...

processed foods....eh everything is processed. even cows/chickens
sugars...gave it up long ago
refined carbs...like yeast rolls? not gonna happen
caffeine...GTFOH it's health food
alcohol...last drop was 2004
etc...i'm sure the problem lies within etc

j-utah · Jul 30, 2025 at 8:00 AM

I bought two of these. Gotta try new things. Trying the first one. Hands are not shaking, yet, but may need to wait to trim my nails.

nobodyintexas · Jul 30, 2025 at 8:01 AM

j-utah said: ↑

I bought two of these. Gotta try new things. Trying the first one. Hands are not shaking, yet, but may need to wait to trim my nails.

Click to expand...

gotta try this one....anything watermelon is da bomb.

GODZILLA · Jul 30, 2025 at 8:05 AM

1lowlife said: ↑

Thank you for taking the time to type that out.

A lot of good info and things to consider.
I'm applying this morning, and they should tell me in 2 weeks if I'm accepted.

This buyout has no effect on my pension or retiree healthcare.
The only thing is I'll have to pay $200 a month each for the wife and I for health insurance as opposed to paying nothing for 39 years.
But it was like that before the buyout.

I compared the healthcare profiles between working and retired, and they aren't that different.
Pay a little more for prescriptions, surgeries and hospitalization are 80% instead of 100%, but that is only until the $1K out of pocket is met, then everything is covered 100%.
$1K out of pocket is 1 trip to the ER, I've met that the last few years in a row.

The pension is backed by the company and the union, but the company manages and pays for most of it.
Hopefully, UPS won't go out of business, but you never know the way things are going.

Tax implications shouldn't be a problem.
I technically only worked 8 paid days this year, my first surgery was January 15th.
I've had a few vacation checks, and they will still owe me for 2 weeks and 8 sick days, as well as any vacation time I earned for next year.
My last vacation check stub stated I've only made $14K this year, the back pay for the time off I haven't taken will amount to another $6k.

The trickiest part is that it takes 60 to 90 days to process pension paperwork.
So when they tell me I'm accepted, I'll apply for the pension, and I may go without insurance and any income for 60 - 90 days.
BUT, I will be paid and any insurance claims will be paid retroactively to the date I applied, or the day after my last paid work day.
Technically, I'm on disability, so my last workday will be the day after they terminate me.
The income I'm not worried about, but going without insurance, even though it will end up being covered, is a little scary.

Our biggest challenge, if I'm accepted, is when do I start taking SS?
I've read a lot on it and it seems to be a gamble either way.
If I wait 2 more years when I turn 65, I'll get $500 more a month, that's $6K year, over 10 years that's a lot of $$.
That could be money to buy my Gen 11 Tundra if Toyota gets their shit together.
Although I plan to keep my 2014 until it dies.

I think we can make it on just her working and my pension.
We'll see how it goes, I have no debt other than the mortgage.

Thanks again @Tripleconpanna

Sorry to everyone tired of reading my retirement stuff.
It's just that I trust you guys and value your input.
You guys are better friends to me than any actual friends I may or may not have.
I'll slack off on it now, but I will let you know if I get accepted..
Click to expand...

Keep posting about it. It's interesting, and others can learn too! If it gets old, it isn't hard to scroll past it.

nobodyintexas · Jul 30, 2025 at 8:07 AM

GODZILLA said: ↑

Keep posting about it. It's interesting, and others can learn too! If it gets old, it isn't hard to scroll past it.

Click to expand...

agree.

I need all the info I can get...

Tripleconpanna · Jul 30, 2025 at 8:20 AM

1lowlife said: ↑

Thank you for taking the time to type that out.

A lot of good info and things to consider.
I'm applying this morning, and they should tell me in 2 weeks if I'm accepted.

This buyout has no effect on my pension or retiree healthcare.
The only thing is I'll have to pay $200 a month each for the wife and I for health insurance as opposed to paying nothing for 39 years.
But it was like that before the buyout.

I compared the healthcare profiles between working and retired, and they aren't that different.
Pay a little more for prescriptions, surgeries and hospitalization are 80% instead of 100%, but that is only until the $1K out of pocket is met, then everything is covered 100%.
$1K out of pocket is 1 trip to the ER, I've met that the last few years in a row.

The pension is backed by the company and the union, but the company manages and pays for most of it.
Hopefully, UPS won't go out of business, but you never know the way things are going.

Tax implications shouldn't be a problem.
I technically only worked 8 paid days this year, my first surgery was January 15th.
I've had a few vacation checks, and they will still owe me for 2 weeks and 8 sick days, as well as any vacation time I earned for next year.
My last vacation check stub stated I've only made $14K this year, the back pay for the time off I haven't taken will amount to another $6k.

The trickiest part is that it takes 60 to 90 days to process pension paperwork.
So when they tell me I'm accepted, I'll apply for the pension, and I may go without insurance and any income for 60 - 90 days.
BUT, I will be paid and any insurance claims will be paid retroactively to the date I applied, or the day after my last paid work day.
Technically, I'm on disability, so my last workday will be the day they terminate me, which is tentatively August 31, 2025.
The income I'm not worried about, but going without insurance, even though it will end up being covered, is a little scary.

Our biggest challenge, if I'm accepted, is when do I start taking SS?
I've read a lot on it and it seems to be a gamble either way.
If I wait 2 more years when I turn 65, I'll get $500 more a month, that's $6K year, over 10 years that's a lot of $$.
That could be money to buy my Gen 11 Tundra if Toyota gets their shit together.
Although I plan to keep my 2014 until it dies.

I think we can make it on just her working and my pension.
We'll see how it goes, I have no debt other than the mortgage.

Thanks again @Tripleconpanna

Sorry to everyone tired of reading my retirement stuff.
It's just that I trust you guys and value your input.
You guys are better friends to me than any actual friends I may or may not have.
I'll slack off on it now, but I will let you know if I get accepted..
Click to expand...

Sounds like you've done your homework...

Many don't, and it can sometimes bite folks in the butt a bit...

I've got no advice on SS as I am not eligible to receive benefits (not enough quarters or whatever the hell you call them), as no SS contributions were made on my behalf during me career #govjobshit

The insurance circus is worrisome even under the best circumstances (while you're actively covered) and have a union, etc. to back you... But, yes I can certainly see your point about being concerned during the brief 'lapse'. It'll work out, as everyone that has a hand in your 'pot' during this transitional stage MUST operate in 'good faith'; which basically means... yeah, there will be some stress, but one way or another they will eventually end up having to do right by you

Congrats, and I hope you hear back quickly and the transition is pretty seamless for you...

PS>>> With all the banter and such throughout this thread, you should never feel compelled to apologize for talking about 'real' topics. We all post a ton of BS talk about silly things, but that's for a laugh. IMO there's certainly time and a place within this thread to accommodate talking about these kind of things. Everyone benefits from it in some way, even if they are not there yet or have already been through it... So no apologies necessary!!!!!

j-utah · Jul 30, 2025 at 8:33 AM

nobodyintexas said: ↑

processed foods....eh everything is processed. even cows/chickens
sugars...gave it up long ago
refined carbs...like yeast rolls? not gonna happen
caffeine...GTFOH it's health food
alcohol...last drop was 2004
etc...i'm sure the problem lies within etc
Click to expand...

Well, I like and respect you. But, drinking alcohol with you sounds, significantly more terrifying, honestly. So I appreciate your discipline in this area.

IMXPLRN · Jul 30, 2025 at 8:48 AM

Azblue said: ↑

I had a killer mullet and a sweet porn stash. Me and the wife back in the late 90s.

Click to expand...

I had a pretty sweet porn stash in high school. But we're talking about facial hair right?

Porn stache? That's a straight up womb broom.

IMXPLRN · Jul 30, 2025 at 8:53 AM

Mdnitedrftr said: ↑

How do you guys feel about your birthday? My wife gets annoyed with me because I don't make a big deal about it and end up usually not doing anything special. My logic is that I'm not a 5 yr old, and I can do something special anytime I feel like it because I'm an adult and I make my own money.
Click to expand...

I usually don't try and make a big deal about my birthday. Always make sure my kids are taken care of and the wife and my parents.
Lately though, I have felt that it might be nice if someone did a little something for me though.
My wife and I were born 5 days apart and her birthday comes first, so all of our birthday celebrations are combined and always catered more towards her tastes. It's not really a big deal, but if I'm being honest having my own special day once would be kind of cool.

j-utah · Jul 30, 2025 at 9:03 AM

1lowlife said: ↑

Thank you for taking the time to type that out.

A lot of good info and things to consider.
I'm applying this morning, and they should tell me in 2 weeks if I'm accepted.

This buyout has no effect on my pension or retiree healthcare.
The only thing is I'll have to pay $200 a month each for the wife and I for health insurance as opposed to paying nothing for 39 years.
But it was like that before the buyout.

I compared the healthcare profiles between working and retired, and they aren't that different.
Pay a little more for prescriptions, surgeries and hospitalization are 80% instead of 100%, but that is only until the $1K out of pocket is met, then everything is covered 100%.
$1K out of pocket is 1 trip to the ER, I've met that the last few years in a row.

The pension is backed by the company and the union, but the company manages and pays for most of it.
Hopefully, UPS won't go out of business, but you never know the way things are going.

Tax implications shouldn't be a problem.
I technically only worked 8 paid days this year, my first surgery was January 15th.
I've had a few vacation checks, and they will still owe me for 2 vacation weeks and 8 sick days, as well as any vacation time I earned for next year.

Since I did't work 165 days, I won't get my full 6 weeks vacation for next year.
I technically 'worked' 3 1/2 months, the half of January and the 3 months of FLMA.
FLMA is just like if I punched in at work.
I guess they'll prorate if and give me something.

My last vacation check stub stated I've only made $14K this year, the back pay for the time off I haven't taken will amount to another $6k.

The trickiest part is that it takes 60 to 90 days to process pension paperwork.
So when they tell me I'm accepted, I'll apply for the pension, and I may go without insurance and any income for 60 - 90 days.
BUT, I will be paid and any insurance claims will be paid retroactively to the date I applied, or the day after my last paid work day.
Technically, I'm on disability, so my last workday will be the day they terminate me, which is tentatively August 31, 2025.
The income I'm not worried about, but going without insurance, even though it will end up being covered, is a little scary.

Our biggest challenge, if I'm accepted, is when do I start taking SS?
I've read a lot on it and it seems to be a gamble either way.
If I wait 2 more years when I turn 65, I'll get $500 more a month, that's $6K year, over 10 years that's a lot of $$.
That could be money to buy my Gen 11 Tundra if Toyota gets their shit together.
Although I plan to keep my 2014 until it dies.

I think we can make it on just her working and my pension.
We'll see how it goes, I have no debt other than the mortgage.

Thanks again @Tripleconpanna

Sorry to everyone tired of reading my retirement stuff.
It's just that I trust you guys and value your input.
You guys are better friends to me than any actual friends I may or may not have.
I'll slack off on it now, but I will let you know if I get accepted..
Click to expand...

That’s a tough call on the SS. My FIL just retired at 65, pilot that aged out of Southwest. He is taking it. It seems like waiting until 65 if you can is the best option. I’m not sure if I’d wait any longer than that.

OldGuy03 · Jul 30, 2025 at 9:07 AM

Tripleconpanna said: ↑

Was it a liquor or a hangover???
Click to expand...

I must've missed this one yesterday...

I can't say that I've ever had a Mary Jane hangover. I partake and all, but maybe I'm just not steamrolling enough joints to know what one feels like. A few puffs and I'm GTG.

j-utah · Jul 30, 2025 at 9:08 AM

I have not seen taser videos online. But I wonder if there are videos of people sticking their tongues on the electric mosquito tennis racket things.

OldGuy03 · Jul 30, 2025 at 9:08 AM

1lowlife said: ↑

Thank you for taking the time to type that out.

A lot of good info and things to consider.
I'm applying this morning, and they should tell me in 2 weeks if I'm accepted.

This buyout has no effect on my pension or retiree healthcare.
The only thing is I'll have to pay $200 a month each for the wife and I for health insurance as opposed to paying nothing for 39 years.
But it was like that before the buyout.

I compared the healthcare profiles between working and retired, and they aren't that different.
Pay a little more for prescriptions, surgeries and hospitalization are 80% instead of 100%, but that is only until the $1K out of pocket is met, then everything is covered 100%.
$1K out of pocket is 1 trip to the ER, I've met that the last few years in a row.

The pension is backed by the company and the union, but the company manages and pays for most of it.
Hopefully, UPS won't go out of business, but you never know the way things are going.

Tax implications shouldn't be a problem.
I technically only worked 8 paid days this year, my first surgery was January 15th.
I've had a few vacation checks, and they will still owe me for 2 vacation weeks and 8 sick days, as well as any vacation time I earned for next year.

Since I did't work 165 days, I won't get my full 6 weeks vacation for next year.
I technically 'worked' 3 1/2 months, the half of January and the 3 months of FLMA.
FLMA is just like if I punched in at work.
I guess they'll prorate if and give me something.

My last vacation check stub stated I've only made $14K this year, the back pay for the time off I haven't taken will amount to another $6k.

The trickiest part is that it takes 60 to 90 days to process pension paperwork.
So when they tell me I'm accepted, I'll apply for the pension, and I may go without insurance and any income for 60 - 90 days.
BUT, I will be paid and any insurance claims will be paid retroactively to the date I applied, or the day after my last paid work day.
Technically, I'm on disability, so my last workday will be the day they terminate me, which is tentatively August 31, 2025.
The income I'm not worried about, but going without insurance, even though it will end up being covered, is a little scary.

Our biggest challenge, if I'm accepted, is when do I start taking SS?
I've read a lot on it and it seems to be a gamble either way.
If I wait 2 more years when I turn 65, I'll get $500 more a month, that's $6K year, over 10 years that's a lot of $$.
That could be money to buy my Gen 11 Tundra if Toyota gets their shit together.
Although I plan to keep my 2014 until it dies.

I think we can make it on just her working and my pension.
We'll see how it goes, I have no debt other than the mortgage.

Thanks again @Tripleconpanna

Sorry to everyone tired of reading my retirement stuff.
It's just that I trust you guys and value your input.
You guys are better friends to me than any actual friends I may or may not have.
I'll slack off on it now, but I will let you know if I get accepted..
Click to expand...

Absolutely zero apologies necessary. As stated above, for those of us still planning ours your process is super helpful.

T-Rex266 · Jul 30, 2025 at 9:22 AM

nobodyintexas said: ↑

gotta try this one....anything watermelon is da bomb.
Click to expand...

Idk. Starbucks energy has a watermelon twist and it was so/so

NWPirate · Jul 30, 2025 at 9:31 AM

1lowlife said: ↑

Thank you for taking the time to type that out.

A lot of good info and things to consider.
I'm applying this morning, and they should tell me in 2 weeks if I'm accepted.

This buyout has no effect on my pension or retiree healthcare.
The only thing is I'll have to pay $200 a month each for the wife and I for health insurance as opposed to paying nothing for 39 years.
But it was like that before the buyout.

I compared the healthcare profiles between working and retired, and they aren't that different.
Pay a little more for prescriptions, surgeries and hospitalization are 80% instead of 100%, but that is only until the $1K out of pocket is met, then everything is covered 100%.
$1K out of pocket is 1 trip to the ER, I've met that the last few years in a row.

The pension is backed by the company and the union, but the company manages and pays for most of it.
Hopefully, UPS won't go out of business, but you never know the way things are going.

Tax implications shouldn't be a problem.
I technically only worked 8 paid days this year, my first surgery was January 15th.
I've had a few vacation checks, and they will still owe me for 2 vacation weeks and 8 sick days, as well as any vacation time I earned for next year.

Since I did't work 165 days, I won't get my full 6 weeks vacation for next year.
I technically 'worked' 3 1/2 months, the half of January and the 3 months of FLMA.
FLMA is just like if I punched in at work.
I guess they'll prorate if and give me something.

My last vacation check stub stated I've only made $14K this year, the back pay for the time off I haven't taken will amount to another $6k.

The trickiest part is that it takes 60 to 90 days to process pension paperwork.
So when they tell me I'm accepted, I'll apply for the pension, and I may go without insurance and any income for 60 - 90 days.
BUT, I will be paid and any insurance claims will be paid retroactively to the date I applied, or the day after my last paid work day.
Technically, I'm on disability, so my last workday will be the day they terminate me, which is tentatively August 31, 2025.
The income I'm not worried about, but going without insurance, even though it will end up being covered, is a little scary.

Our biggest challenge, if I'm accepted, is when do I start taking SS?
I've read a lot on it and it seems to be a gamble either way.
If I wait 2 more years when I turn 65, I'll get $500 more a month, that's $6K year, over 10 years that's a lot of $$.
That could be money to buy my Gen 11 Tundra if Toyota gets their shit together.
Although I plan to keep my 2014 until it dies.

I think we can make it on just her working and my pension.
We'll see how it goes, I have no debt other than the mortgage.

Thanks again @Tripleconpanna

Sorry to everyone tired of reading my retirement stuff.
It's just that I trust you guys and value your input.
You guys are better friends to me than any actual friends I may or may not have.
I'll slack off on it now, but I will let you know if I get accepted..
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Not tired of reading it at all.
This is all good info that we can learn from.

20GR8 Super · Jul 30, 2025 at 9:34 AM

j-utah said: ↑

I bought two of these. Gotta try new things. Trying the first one. Hands are not shaking, yet, but may need to wait to trim my nails.

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That one is good. The retro vibe is my current favorite.

Azblue · Jul 30, 2025 at 9:56 AM

j-utah said: ↑

I have not seen taser videos online. But I wonder if there are videos of people sticking their tongues on the electric mosquito tennis racket things.
Click to expand...

Yes

https://www.youtube.com/watch?v=o-2m3XXlaHU

20GR8 Super · Jul 30, 2025 at 9:58 AM

20GR8 Super said: ↑

That one is good. The retro vibe is my current favorite.
Click to expand...

Had one this morning. Mmm. Go go juice.

j-utah · Jul 30, 2025 at 10:16 AM

Azblue said: ↑

Yes

https://www.youtube.com/watch?v=o-2m3XXlaHU
Click to expand...

Ouch.

nobodyintexas · Jul 30, 2025 at 10:19 AM

T-Rex266 said: ↑

Idk. Starbucks energy has a watermelon twist and it was so/so
Click to expand...

starbucks?

T-Rex266 · Jul 30, 2025 at 10:22 AM

nobodyintexas said: ↑

starbucks?

Click to expand...

Ya the wife loves their energy drinks.

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