Comrad! Your title might not match the title of the article you linked! Could you please double check, and edit your post title if it indeed does not match? article title: “Ocean temperatures are off the charts. Here’s where they’re highest.” (Similairity: ~79%).
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Yes, I’m 100% certain that the retailers who have been increasingly price gouging us for the last 2 years will immediately pass the savings on to the consumer, just as they did in 2010.
“In 2010, lawmakers passed the Durbin amendment as part of the Dodd-Frank Act, which sought to tighten financial regulation in the wake of the 2008 economic crisis. The amendment was supposed to cause a trickle-down savings effect, where merchants would pass along debit card processing savings to customers in the form of lower prices for their goods and services.
But a 2015 survey conducted by the Richmond Federal Reserve found the Durbin amendment did little to lower costs for consumers and merchants. Just 1.2% of the surveyed merchants reduced prices, and 11.1% said their debit card processing costs declined. Nearly one-third of respondents reported even higher debit card swipe fees, according to the survey.“
Fair, but also almost strangely off kilter comment? Idk. I hope when Russia bombs Ukranian cities no one gets hurt but that clearly doesn’t happen. Hate to ‘whatabout’ you but one solid strike against Moscow is hardly triggering my sympathy for them.
Civilian deaths are bad no matter what side. Leave the soapboxing, armchair warrior stuff back at Reddit please and realize there’s no room for nuance when discussing human, civilian life. Not every Russian is bad…
combined with a lack of seasonal monsoons, have caused saguaro cactuses at the Desert Botanical Garden to become “highly stressed,”
I'm sure the heat is fucking them up, but this is seeping with click bait. The Monsoons are coming . I'm expecting it to be violent. Also, I have no idea wtf I'm talking about. Why are we still trying to live in a dessert? Yeah, I put in an extra s for everyone talking about cacti
Criminals giving criminals money, then socializing the criminals’ losses, then gifting the criminals a golden parachute. There is the ruling class and everyone else. Most of the country is distracted by UFOs and drag queen brunches to care about the real problems.
That loan saved the pensions of those people working at Yellow, if you maybe want to take that into account while you’re fitting people for black hats.
Even if it did, it’s not like the government has lifted a finger to help any other workers or students recently, and actively works to make their lives harder instead.
401ks are still related to the person’s place of employment, so they don’t actually solve that problem. I’d rather see us ditch them in favor of higher contribution limits to IRAs.
Defined-contribution retirement plans (401ks and IRAs) in general are not an adequate replacement for defined-benefit ones (pensions and Social Security) because, frankly, people are too stupid on average to plan properly for their future. And even if you think stupid people deserve what they get, it’s still a problem that affects you because of the collective burden massive numbers of indigent elderly would put on society.
401ks never should’ve been created, and the replacement for private employer pensions should’ve been an expansion of Social Security.
(I say all this as someone with much larger than average retirement savings who’s aiming for FIRE, by the way. This is a critique of the system from someone who has benefited from it, not sour grapes from a stereotypical poor millennial.)
I might agree with you if I had the option of opting out of Social Security. It’s an absolute disaster and it’ll never be fixed. You can say it should be, but if we’re debating impractical solutions we may as well just include “everyone lives forever and always has everything they ever need”.
TL;DR: I keep my household expenses very low (roughly $30k/year) and save a very high percentage of my income so that I can retire very early. The pandemic changed my plans a bit, but I’m expecting to be done by age 45. (By the way, to address a common criticism of the idea: "retire"means doing whatever I want without being beholden to working for a wage, not necessarily vegging out in front of the TV and stagnating as certain workaholics assume. The important distinction is that I could choose to work if I wanted, but wouldn’t need to.)
401ks are a time bomb waiting to go off. If / when there’s another severe stock market crash (and make no mistake one is coming) tens of millions of retirees are suddenly going to be penniless.
If a crash of that magnitude happens it’s not like social security would fare any better. At that point you’re talking about full scale economic disaster that affects the entire world.
It doesn’t require a full scale Great Depression style meltdown, the ‘downturn’ of 2008 caused significant difficult for many, it simply requires a sharp enough retraction of Investment Capital. That retraction is already in progress as the retirement rate for Boomers escalates and more of them begin selling their stocks and bonds; either directly or through their retirement instruments like 401ks and Pensions.
I’m not a doomer but I am fairly convinced that 401ks are a timebomb.
401Ks are just investment accounts. They have exactly as much risk as you expose yourself to. Balance your portfolio, use index funds intelligently, don’t put all your eggs in one basket, and you’ll be fine.
The US fucked this up during WWII when it froze wages to prevent businesses from swiping the limited number of available employees from each other. So instead of wages employers started offering benefits instead, two of the commonly offered benefits were Pensions and Medical Insurance.
As a nation we really should fix these problems but doing so would be hella expensive and perhaps even impossible as we’re hitting the same demographic off-ramp that France and so many other Western Nations are already on.
Were they not covered because of a technicality (for example being a contractor versus an employee), or did ERISA just fail to make them whole as they should have?
Hard to know who to support - the country that launched a drone attack on a government building, got their drone deflected and hit a civilian building, or the country that invaded the other one, raped and slaughtered their citizens, men, women and children alike, bombed their infrastructure to oblivion, and also shoots their own forced conscripts when the conscripts realise the meat grinder they’ve been send to and surrender or retreat.
Easy choice for some people to make, hard choice for some other people, like you, to make.
Or you can not be a hypocrite and not support any country that endangers civilians. Bombing a government building isn’t like bombing a military installation. Regular people work in government buildings. Or does the janitor deserve to die for wanting to support his family?
Why should we care? At best we could say that they are ignorant and at worst complicit. Will this attack prolong the war? Are you ready to decry every death on all sides at every opportunity, or just the ones you don’t agree with? Are there rules to war that only one side is allowed to break? Context matters
No one should die on either side. No matter what, it is sad. What is worse is the people sitting on their high horses saying this is a good thing. Just disgusting.
We really need Jesus to expel these money changers imho I think we have better chance of the second coming happening before the parasites in power do something like that.
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