All posts by howiemaui

Why As A Senior Do I Have To Pay Required Minimum Distribution(RMD)

Why a year after I reach the age of sevety and a half, I have to start liquidating my tax free retirement investments? Four per cent the first year does not seem like much, but it keeps going up untill there is hardly any of my tax free investments left, and on top of that if I need to seek out information from my stock broker, I know have to pay a monthy charge(one percent of my account). Add this with medicare coverage, it can amount to half of my social security. Fortunately now I am still on my wife’s health insurace, and I refuse to pay for having a stock broker. You would President Trump who has start liquidifying his investment accounts, would make it easier for us seniors.

It’s hard enough trying to make ends neat, but why is our governmet making so hard for us to survive, or maybe they don’t, they probably figured ot if we die earlier they can save a lot of money.

Happy New Year! Silence Is Golden.

I have been absence on my blog recently, because I have been stopped by so many road block, and to make things even worse that it’s been years ever receiving a pay check, luckily I am able to receive a good social security, and some additional income from some good investments, but be side that it has been very frustrating, but maybe that is what life is suppose to be, I need to discover my weaknesses and fears, and realize, no matter what Tony Robins has said, make the best of what you have, period.

So at seventy-one years of age, I m going to do something different, relax and accept on what I can and should do. Go on with my journey and Hope to make a difference in this world, listen more of what people have been complainig about, let Donald Trump and Bernie Sanders jab each other. In the mean while, take a deep breath, and say Happy New Year 2018.

A Happy Seventy One Birthday To Me.

Today I just want to reflect  to myself as a day of reasoning, no  talking about Donald Trunp or Bernie Sanders, just me. I never thought I would be ever to be the age of a Grampa, and had to reflect that my life, my journey is almost over. Did I expect everything to be what I thougt it was to be? No, but how many people have a blog on the internet, and trying to put in the proper perspective of what life is all about? Was it what I expected, hell no, would I have done things differently, probably I would say yes, but I wouldn’t and couldn’t. I often wondered if I could do eeverything I wanted to do, I would be filthy rich, and be admired by millions. The truth of the matter, I didn’t have the nerve of steel, and couldn’t be that Superman I wanted to be,

What I really found out today, is that I spent the last five years, instead of trying to be a Walmart greeter, I was lucky enough to have  a very understanding wife, and both a good Social Security and a fairly good stock investment. This able me to venture and start a journey of many different projects.

Even though I was not able to make a single paycheck, I was fortunate enough  to discover that there were very successful people who had their own pipe dreams, that were anxioux to turn wishful hopes and ambitions to some rigthous realities; Here was the start of my journey right after my firing from  Calumet Photographic, on New Year Eve, 2011.

I was devastated, and both scared and devastated on how I was going to face my wife, we planned to go to her sisiter’s house to celebrate the coming of 2012, and all I could think how could the President of Calumet Photographic, Chicago fire me, a victum of Crebral Palsy? All I can say right now, is FUCK HIM and his HR director.  For the first time after being employed in photo retail, I found myself scared and bitter. It’s November 01, 2017, now and I am so ashamed thjat I let my wife down of not being able to earn a viable paycheck, but I was able to venture into other projects that I thought would lead to an employable endeavor.

It was  the start of the year 2012, and I so wanted a job, I spent some four decades in photo retail, and started to call many of my photography friends, sure most of them were  barel;y making a living themselves and were just getting by, but at least I was a able to use them as a job reference for collecting my unemplyment. I was lucky to get some kind of severance, it enabled me to wait a little bit to start collecting my Social Security. But I knew I had a rough road a head of me, when I was working, I had the luxory of having two medical policies, and now I elrctrd to stay on my wife’s policy, even Medicare coverage can run up to $300.00 a month. At least this took a lot of pressure poff me. Now How do I get back into the work force?

The photo retail industry was getting worse, with so many people using their cell phone cameras, many amnateur photographers would rather spend more money on their Apple and Samsung phones, than owning a heavier and more expensive Canon, Fuji, and Nikon DLSR camera. I couldn’t blame them, I am using my cell camera as my main picture taker. So I took to the internet and registered on the likes of job sites as ziprecruiter and Indeed. Every day hundreds of job offers started to enter my email box, and every day some 300 emails were deleted each day,

——To be continued———

 

Hey Bernie Sanders, Get to The Trump Solution to Health Care!

Talking about our filthy rich families, and our need for affordable heath care on Facebook Live, Senator Bernie Sanders ain’t going to do Shit. It took you you Democrats almost eight years to get Obamacare, and it’s taking Donald Trump less tham a year to dismantle it.

Over the my seven dade life, I have seen many protests and campaigns, but I have not thought that nearing my final years of life, that I am so close to lose my financial and health care blankets. I like my living beds of working so hard and be able to receive both Social Security and Medicare, however it cares me of the thought on what lies ahead if these two enticements, and my added obligation to liquidate my investments and have to pay my Required Minimum Distribution taxes. Instead of getting cardiac rest like the republican party would like us to get, and die early, I feel if the majority of Americans would participate in a national anti-spending portest, we could put a dent in the pockets of our richest corporations and families.

I propose that on our week ends, that we STAY home and not spend any of our hard earn money, we probably don’t have much compare to the Walton family and Koch family, but we can put a financial ouch in the bottom line of our rich corporations. Can you imagine, empty stores  galore?  No church goings, highways desrted. Airports like ghost towns. Hosptal emergency rooms not being used to their full potential. Would you give up some of your football and basketball games for affordable health care, and no talk about elimination both Social Security and Medicare? I could go on and and on, what we will have to give up for just two days of the week, but is this worth it to be able to have a healthier life for the whole week?

We can bitch and complain all we want, unless we take some kind of action, we ain’t going to get SHIT!

Is Jesus Mad At Us?

I know that I cannot blame all the bad shit that happens in this world on God, but as I at the final years of my is their so much bad shit I find myself asking why is their so much bad shit that has happened, especially right after the presidentila election of Donald Trump.Never has their a time in my seven decade life has I found myself not only questioning my highly elected officials, but also why have their been so many calamities, as the likes of our pst devastaing hurricanes named Harvey, Maria, and Irma, and what about the recent fires in Santa Rosa California? I also had so many of my Puerto Rican co-workers who were looking forward in spending their remining years with their families in Puerto-Rico. It seems that there is not any one place on our planet that iti really safe. I never thought I would make it part of my daily ritual of checking both my #Facebook and #Twitter page, but I have to see how the only friends I have left, and see if our President of the United States,  #Donald Trump going to either get us in a nuclear war, and trying very hard to squeeze the last dollar I have out of me.

Jesus, Moses, Mohammad, The Dali Lama, Bishop TuTu, and all of the tens of thousands saints, plea se help us, and save our planet and universe. I love my country, will ALWAYS stand up when the Nation Anthem is played at a sports venue, and would love to go back to my many yesterdays of being just me, watching a little television and take some photographs, and of course be grateful that Ihave so much to live for, AMEN!

Sorry Jesus, I know you are not mad at us, but just a little disappointed to say the least.

A National No Show For Work Solidarity! HEALTH CARE

How bad do we need affordable health care, what is it going to take, how can we compromise, to take care of the well being of our great country. I have heard many time times that if don’t have your good health, then what good is your money going to for you. When we die, surely we can leave it to our love ones, and our favorite chairities, but personally I want to live a little bit longer, and spend what ever I have to get the best health care possible. Unlike teve Jobs, who wouldn’t listen to his doctores, and adress his pancreas cancer right away, he procrastinated much too long, and died twenty years than he should of. We as acountry pride our selves for our great freedoms and accomplishments, but as a country, we really deprive ourselves as being able to fine tune our health, we will spend excessive amounts of money on car washes and going to the beauty parlor, and of course so many wastefull financial spendings, but we we should, don’t take care of our health as we should, most of the time it is the time and cost. How many of us are afraid to leave our jobs, because of the fear of not getting affoprdable health care, and in my wife’s case (who has polio) has to work two more years before she can qualify for Medicare.

The time is now for America, to tell our elected officials, especially our nine month president Donald Trump, that the first priority of the United States of America, is to take care of it’s Citizens, this should have preferance over walls, defense, and eduaction, in essence I am saying, get the money, either by additional taxation, or cutting out excessive apendings in our budget. If other countries can do it, we certainly can do it.

I will make this short and simple, we either have a three day work strike, or in the long senario, get ready to die earlier than you really wanted to!

The Pregnancy of President Donald Trump Is About Due.

This coming September will be the ninth month of having “The Donald” as our president. You would think that it would be a “Birth of A Nation, instead we have witnessed a divide that be compared to that of the Civil War, unfortunately, I wish I could say that then President Abraham Lincoln was a giant among men compared to our now president Donald J. Trump. The Civil War was about freeing slaves, and to emphasize that all American are created equally. For president Trump, who couldn’t denounce the Charlotte Virginia Nazzi protesters was a blow in the gut to all those who suffered under Adolp Hitler, millions of Jews were massacred, but we shouldn’t be surprised, the country elected a certifiable human being who riddiculed, the handicapped, women, mexicans, climate control, and so many of his staff members, and yet we as a people cannot stand up to him, he has so many of his fellow republicans backing him, and yet we just have to weigh it out.

The Truth of the Matter we think that Donald Trump will come true on his promise of affordable health care, good paying jobs, and better living coditions in our country, is just a bunch of his pipe dreams. Right now the state of Texas is facing the after effects of huuricane Harvey, but it feels that the spirits from above is expressing it’s feelings of what is happening since Donald Trump has become our forty-fifth president of The United States.

I am seventy years old, and I thought I could live my final years in harmony, and a feeling that I am in synch with my fellow human beings, instead I just have to wait just another month for the birth of our leader, President Trump’s brain child.

 

A Good Point Finally By President Donald Trump.

I know I heve been slacking off on my blog, even though I am not geeting much respnse on it, I feel that I have accomplished something that if I should die sooner than I wanted to, at least there are postings that maybe many of my friends might find interesting. Over the years there were many essays loke book reports and research papers that I wished I have kept, they would of been nice to put on my howiemaui.com blog, but sny ways what does this have to do what I agreed with our president, well as time goes by, I don’t want to let my friends, that geparticular coupon, tting old means that I had to be bitter that things of my like was not the way I wanted to be. I know as I get older that I have to fight perhaps to get the price of a particular cell phone I wanted, or why did I waste my time to call my favorite chicken place and complain that they wouldn’t honor a particular coupon, but when we finally have The President of The United States tweet that members of Congress pay the same price(policy) on their own health care, it gave me confidence that Donald Trump wants to make his health care plan woirk for the wholecountry.

Never in my seventy years I would ever think that I would get involve in the well being of my country, not that I would think that anyone really reads my blog, but for many of us, life is not just plainying Candy Saga, or did I forget to wish many of my Facebook friends(who I never met or care to meet) a happy birthday.

I know that my clock is ticking faster and faster every day, and I am just glad to close my day by saying thanks to my President for trying to make health care work in this country, and looking forward of finally getting new Samsung Galaxy S-8 phones for my wife and my wife.

Thank You Sprint.

OJ,OJ,OJ,OJ,OJ,OJ,OJ,OJ,OJ,OJ,OJ,OJ,OJ, Welcome Back!

Wih all the talk around social media about president Trump and his family, it’s surprising that we a forme Heisman Trophy winner O.J. Simpson has just won his parole after spending nine years in jail for armed robbery.  During the 1990’s it was a trial that memorized the country, did handsome football player, who became a movie star(Native Gun) and not only becoming a renown sports commentator, who could forget him rushing at the airports, flying over the turn-styles for the Hertz rental car adds, killed his beautiful wife, Nicole, and and an acquaintence of her, Ron Goldman? His trial was more like a reality circus then “The Trial of the Century”. Sure there were a cast of characters, from Judge Ito, Kato, the Goldmans, Marcia Clark, Robert Shapiro, Lou Cowlings, F. Lee Bailey, and of course “The Juice”, O.J. Simpson.

Never has there been such a long series of events that what first was viewed as the American Dream. O.J. had it all, Heisman Trophy winner, NFL running back for the Buffalo Bills, movie star, and the spokesman for the Hertz automobile rental corporation. However, it took the murders of his wife, Nicole, and her acquaintance that shambled this American Dream into an orange juice nightmare. I don’t want to play lawyer and give my opinion whether OJ was guilty, and also should he not of been awarded his parole for armed robbery, but really triggered so many killings happening to African Americans, there has been so many pathetic killings of blacks by our law enforcing officers, and now the shoe is on the other foot, an Afro-American escaped the death penalty. Only OJ, or his family will ever reveal the truth of the matter.

Sure it would be nice to know the whole story, but what is important is how money and power plays in the role in our world of justice! So let’s hope Mister Simpson can give us good reason to say “welcome home”, and perhaps you might have a surprise to reveal.

President Trump, You Still Can Be Our Greatest President.

The other night I sent a Twitter message to President Trump’s daughter that your father can be our greatest president. In a few words I simply stated that it is time to allow us disabled Americans to go on Medicare at the age of 59 1/2. This is the age that you can take out money of your investment accounts without being taxed a penalty of an additional ten-percent. There are so many permanent disabled people in this country that cannot afford the health care they need, to give them a quality of life that they worked so hard for. Right now the law requires that a disabled person, has the o quit working and wait a painful two years to be approved for Medicare. Sometimes the process takes a lot longer. In the mean while, many of our disabled become sicker, and put a severe  burden on their families financially, divorce, lost of their homes and savings, and probably led to  suicide.

There has been so much emphasis on health care for the masses in the United States, it’s only right that we start bringing our attention to those who worked so hard, and just want to live a fuller life as long as they can.

So maybe we can finally have a President of the United States, Donald J. Trump, do something that none of our other presidents have done, give some our soon to be seniors, those that are disabled the quality of life they deserved, and maybe I might asking for too much, let’s eliminate the two year waiting period to 120 days.

America will certainly be again a great country for our permanent disabled.