Fear of losing basic income is a great crime deterrent.
Are you going to steal from that gas station if you could lose your basic monthly check for 20+ years?
You think kids would drive drunk if you told them that if they were caught, they would lose their basic income for life? Most think it’s a slap on the wrist, maybe some community service, IF they get caught.
You can say good morning with an infection that makes it asking. Like if I looked over at you on the bus and go “good morning?”. You’d know to reply that you were indeed having a good one. Same as if I said “rough morning?”
I would reply “Just saying”
It’s totally conditioned to say it. I come from where the response to “How you doing?” Is “Good, you?”, “Good”
If someone just said “Morning” to you, you’ve been conditioned to think something is wrong or they are having a bad day more than likely.
First impressions matter, and the first word out of your mouth better be good
Half a decade ago, Kendrick Lemar kicked a white woman off stage for saying it.
She apparently had the rap down and didn’t think about it.
I wouldn’t say it in public, in a quote or song. The amount of people that would get angry at you is more than the people that would stand up for you.
Not really, he has a stereotype of what a Black person acts like, that includes saying the n word. He can’t comprehend there are some people who are both Black and find the word distasteful. So to him if a Black person won’t say it, then they’re not Black.
It’s not about if they want to say it or not it is about society accepting if they can say it or not. When a non-black person sings a rap song, they are supposed to omit the n-word. If you are black, you’re free to say it when desired.
This is basically saying. What if Karmala is raping and gets to an n-word. Is she free to say it?
She is not “African-American” which the word refers to
African-Americans accepting her into the “black” group based on skin color is essentially reverse racism. “She looks like us so she can be one of us”
This is coming from a white Mexifinn-American. I don’t get accepted as being Mexican because I don’t have the skin color, and I don’t get accepted as Finnish because I have a Hispanic last name. I don’t care because I enjoy being treated as an American. I get treated like I’m “white” though.
Sad reality is Harris would get treated as “black”
I don’t have a n-word card to give so I can’t make the call
I knew a guy named Richard Odar, pronounced odor. He didn’t go by Dick.
Video games, Movies, Books
It has 3 solid GameCube games
It has 3 soild movies
It has 3 solid books
We administer retirement, disability, survivor, and family benefits, and enroll individuals in Medicare.
Social Security provides retirement income for almost every American worker.
An investment fund is a supply of capital belonging to numerous investors, used to collectively purchase securities, while each investor retains ownership and control of their own shares.
The only thing not making it an investment fund is that the government forcefully takes the money and you don’t own the money after it is taken.
The average person gets the majority of their retirement income from SS.
Ask the average person what SS is. They will say that it is a retirement fund. What is a retirement fund? An investment fund.
Social insurance, as conceived by President Roosevelt, would address the permanent problem of economic security for the elderly by creating a work-related, contributory system in which workers would provide for their own future economic security through taxes paid while employed.
The average person makes 65k
Social security is 12.4%
Medicare is 2.9%
Social Security is 8.19k
Medicare is 1.885k
Average person pays 10k a year to SS and Medicare.
Retirement age is 67
Start work at 18, 49 years of work.
S&P500 has returned an average of 10.64% apr for the last 100 years. 16.5% last 5 years.
30-year morgage is ~7.5%
Let’s just assume the person could put extra money towards their mortgage, gaining 7.5% apr.
10k/12= 833.33 per month
833.33 a month at 7.5% apr for 30 years is 1.02M
833.33 a month at 10% apr for 49 years is 10.41M
Government takes 1-10M from the average American retirement account to give them SS and Medicare.
Let’s say you live until 80. Average life expectancy is ~77.5. Means you have 13 years in retirement.
Average SS payment is 1,864.52 a month. 22,374.24 a year.
13 years of 22,374.24 is 290,865.12.
Average person is losing 750k-9.75M for retirement.
Medicare is a whole other beast but unless you’re going to pay 750k+ on medical expenses in retirement, it’s not going to benefit you.
Even with Medicare you have to pay premiums, deductibles, copayments, and coinsurance. So it’s not like it’s all covered for “free”.
SS is a government ran ponzi scheme. Anyone else doing it would be a crooked investor.
I get that minimum wage is $7.25 and that’s 15k a year. They are paying 2k a year for SS. They will most likely benefit from the system.
But the average American shouldn’t be footing so much of the bill and not seeing any benefits.
It’s crazy
Last lap
Make it your best!
Low battery noise for Astro headphones
Beeeep.beep.beep beep…beep…beep
Best driver in the world couldn’t drive on icy conditions with summer tires
What you’re saying
Say my mortgage is 1k a month.
I can’t afford 1k, so I let you move in and pay me “rent”
You pay me 1k each month.
After a year, I kick you out and move back in.
Where’d your 12k go?
Bank going to give 12k in cash to you and increase my mortgage by 12k?
Why would someone buy a house so someone else could slowly buy it from them? They would essentially be acting like a bank.
Who keeps up with the house maintenance?
Landlords are unneeded middlemen. A good system doesn’t use them.
Your idea is “rent to own”.
You can rent to own a Playstation that’s 300 dollars for a small monthly price but at the end of the loan you’re going to pay 600 dollars total for the Playstation.
Why am I going to go to Best Buy, buy a Playstation for 300, then let Jimmy down the street play with it while he slowly pays me back my 300?
Why am going to buy a house for 100,000 and let Jimmy rent to own it?
600 a month for 15 years. He’d pay for it.
If I put 100k in the S&P500 for 15 years, I’d have 415k.
Would I rather:
A. Help Jimmy get a house
B. Make ~300k for just sitting
Push for Supreme Court ethics reform, term limits and add amendment to make even the president not above the law.
Except the upside-down flag
Waterboy is a must
The idea that giving up ~40% of your work in hopes that the government takes care of you is ridiculous (Social Security is a government ran ponzi scheme).
The average person makes 65k in the US
They would pay 10k in federal income tax (15.4%)
They would pay 4k in social security (6.2%)
They would pay 2.6k in state income tax (~4%)
So out of the 65k, they get to keep 48.4k
Business would pay 4k in social security for you (6.2%)
With: Get paid 65k, walk home with 48.4k
Without: Get paid 69k, walk home with 69k.
69k - 48.4k = 20.2k
20.2k ÷ 69k = .29
Without federal/state/SS tax, the average person would have 30% more
Sales tax is ~5%
48.4k × 5% = 2.4k
If they used all their money to buy stuff, their actual purchasing power would be. They’d only have 46k to spend.
69k - 46k = 23k
23k ÷ 69k = .33
Average person gets to spend about 66% of their “actual pay”
I’d call that ~40%
65k - 48.4k = 16.6k
Let’s assume 20 years old and retire at 67
47 years of working
S&P500 has had an average annual rate of return of 10% since being created in 1957.
Let’s say 5% APR because 10% is realistic, but it’s not guaranteed.
Extra 16.6k a year is about 1.4k per month.
If someone invested 1.4k per month for 47 years at 5%, interest compounded annually.
They would have 3 million in a retirement fund. (10% is 14.6m)
A 30-year mortgage is currently 7.5%. You could put the 1.4k a month into that and basically get a 7.5% guaranteed return.
Making 65k, walking home with 48.4k. Having to spend an extra 2.4k If you want to buy anything with the 48.4k because you really can only buy 46k worth of stuff. While giving up a 3m-14.6m retirement fund.
That’s a “small portion”?
This isn’t even counting health insurance. You make 65k the government isn’t helping you out.
This is also not counting property tax.
You’re giving up 1.4k a month so the government can give you 1.4k a month (hopefully) when you turn 67.
The government uses your potential 3m-14.6m for its own needs in the meantime
I knew a Richard Odar. Pronounced odor