• 24 Posts
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Joined 3 years ago
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Cake day: November 19th, 2023

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  • Thank you for chiming in cuz my experience on fb marketplace is via using my mothers fb account as i deleted mine around 15 years ago. Tried selling some extra pc hardware collecting dust and all i fuckin got were messages from fucking pervs and the last one was so fuckin creepy even after i told them im a dude that i fuckin snapped and apparently used words that fb calls slurs like fat fucking disgusting piece of shit whose closest route to knowing what a pussy feels like is by sexually harassing women on the internet and even still they didnt stop so i went on to explain how fucking dumb they must be to use their actual photo that even billionaires couldnt afford a hooker if they looked as disgusting of a slob as this guy did. That was the comment they deleted and cited when they banned my moms fb account from using market place.

    Welcome to facebook where they ban the people getting sexually harrassed and give out free perv glasses to only the perviest of the fb pervs. Craigslist at least tey have no clue wha5 you look like or what is between your legs and if you are selling you dictate where you meet. Which i guess you can do on fb too but they still know everything about your life now all for the cost of one cannon printer cartidge you sold them.













  • Clearly you didn’t try finding a source yourself.

    I gave you the url and walked you thru the math. I dont know how much more i can bold your hand. Especially when YOU are the one who cant provide any citation better than the phrase you put into google and that you figure was provided by the same AI that gave us, “adding glue to pizza helps keep the cheese from falling off”, “the benefits of cooking with gasoline”, “how long ago was 1919 from today?” Ai-“20 years ago” and my fav: “you should drink 2 quarts of urine every 24hrs”

    Does that make you feel better?

    No but you thinking you have the factual highground by showing zero statistical framework and not being able to even find the source for your 50 million figure you got from google ai quick answer made me feel so much better than before i knew the level of your incompetence. I mean you literally proved my point in your own citation. It isnt that 50 million make less than 580 per month its that 50 million are below the poverty line that i broke down for you which means 50 million people make less than 17/hr for 35 hrs per week. Which you could find in your own citation if you read your source for how the poverty line is defined.


  • So im sorry but you gotta provide a source to that because its mathmatically imposssible to have almost 25% of working age americans making less than $580 per hour while the average income per year is $80,000 and the % of workers who are below the poverty line around 22% iirc and the poverty line per hr wage is $17/hr for 35hrs/wk. You see how those figures and the population numbers needed to make your 50 million true would mean there is like noone in the entire country making between $145/week (580 ÷ 4 weeks) and $595/week (poverty line is $17/hr over 35hrs/week.

    Honestly dont take any of the numbers i gave as word of god because i did this with as little effort or math checking but the figures are clean rounds of census or theworlddate.org (again i went with fastest means of demonstrating how easily that 50 million throws off like every reported labor, census, and unemployment firgure over the past 20 years I browsed. Also kinda odd that after several searches, many of wich used the 580 figure, and yet I did not see a single claim from any source that provided anything about 50,000,000 americans making less than the new income parametws.

    I mean think about it, if 50,000,000 or aka 1/4th of the US working age pop was making less than 580 per month, then how could the median retirement age in the US be 62??? Or the poverty line found to be $17/hr over 35hr work week??? Keep in mind, billionaies and trillionairs and every single transaction taxed thru capital gains do not count towards these numbers regarding income.







  • Noone should ever be putting money into savings accounts. You lose the difference between 2% interest you collect on savings account and the inflation rate while money is in savings account. Your finacial buying power is decreasing by like 5% the entire time it sits in there.

    IRAs should be the new “put your money in savings” response. They should look up the options like 529 plans or ESAs (rducation savings account, formerly known as educational IRA) with an advisor for their tax advantaged benifits like not paying capitail gains taxes on growth or interest accrued as long as its used for education or medical dispersments. People rarely understand how much money they make by taking advantage of tax free contributions and withdrawls options.

    The average growth rate for IRAs in the US is 7%-10%. So instead of losing 5% buying power from the money you save in a savings account, you are now earning 7-10% ONTOP of the 15% you make by NOT PAYING CAPITAL GAINS TAX.

    Got a kid? Start putting $20 direct deposit into ESA at conception. 52 weeks times $20 = $1,040 per year. Times 18 years = $18,720. Avg cost of 4 year tuition at non-private school in US span from $8,000 to $18,000.

    You could even set it up so the 401k you contribute to, rolls the same amount your employer matches per paycheck from your 401k (or 403b) account into a ESA where you would be taxed on the roll over contributions, but because you are only moving the amount your employer matches, then technically your employer is covering the taxes paid contributing to you kids ESA. The total amount saved and used to pay for college is then 100% tax free to you.

    Compare that to paying back a loan at time tuition is due and you are responsible for the taxes taken from each paycheck, the interest on the loan and all ontop of the loan itself. Its adds up to thousands of dollars you spend for not preparing ahead of time.

    If your kid is dumb then go with shit like a 529 plan that can be used at any time for any amount as tax free distributions as long as it goes towards medical expenses, educational expenzes or i wanna say new home purchases. (Dont quote me on the last bit)