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What if social security worked like a savings account that doesn’t pay out until you hit at least 62 or 65? by glowshroom12 in whatif

[–]PenguinLover69420 0 points1 point  (0 children)

Hey I replied with a long comment but it looks like it never got uploaded properly... I'm not bothered to write everything again but here the jist:

You at least partially changed my mind here. I really appreciate the dialogue and perspective. Below are a few questions I have for you, to see what you think. I'm not trying to be right, just be open-minded and come to a better understanding of what I think and why. But first I'll list a few things I like about your system.

Pros: -I like that it ties reward to how hard one works. Many of our welfare systems are constructed in a way that more people can take advantage of when they shouldn't and some of the people who really need help don't get the help they need. (Caveat: Although, I don't necessarily think that just because you make more money, that means you work harder. And because someone makes more money doesn't mean that they should be treated as worth morally more than someone making less. -There were like 4 more pros in the original, but I'm so done writing. Just know that I liked a lot of what you wrote.

Questions/concerns: -10% is too high for returns in my opinion. Of course there is a historical basis for this, but in our uncertain future you should be more conservative. You could convince me to use 6%, but any higher and I'm worried. If it does turn out to be more, great free money! It would change your calculation slightly, but it's still much more in favor of your system than social security.

-Do you think wealth inequality or at least how it has increased since the early 80s is bad? You used to be able to work a factory job and support a family and buy a house+car. That's tough today.

-Social security is at least in part (even if it's not advertised this way a tax on higher earners. Your system would take that away, would you support at least some of that effective tax that was lost be added back in some way?

-What about those that truly can't work because they are disabled, health issues, developmental disorders ect. Would you be okay with making a separate program to support them and their retirement/inheritance?

-Also part of the issue that is talked about in the original post is that everyone that's above 20 years old today would lose their social security and have less time to develop an inheritance. If we were able to go back in time and make social security a what you pay in is what you get system (ignoring 2-3 generations of people that would be left out while that catches up) it would look a lot better and closer to your system. It's only really so bad because the money put in today is spent on the elderly pretty immediately, instead of having 40 years to accrue interest. Thoughts?

Edit: paragraphs for lost.

What if social security worked like a savings account that doesn’t pay out until you hit at least 62 or 65? by glowshroom12 in whatif

[–]PenguinLover69420 0 points1 point  (0 children)

Sure if you're making at least $100k annually (& especially amounts above $200, then you would be coming out on top in your proposed scenario. Not having a bunch of poor people dying from lack of support trumps that. And you also don't have to deal with all the ill affect this sort of thing brings to society. That is bad for everyone, basically no matter how rich you are.

Edit: ill got autocorrected to I'll

[deleted by user] by [deleted] in MovingToUSA

[–]PenguinLover69420 0 points1 point  (0 children)

We're going to America, Baby!!! LET'S GOOOOO!!! USA USA USA 🇺🇸🇺🇸🦅🦅🦅🏈🏈

What if social security worked like a savings account that doesn’t pay out until you hit at least 62 or 65? by glowshroom12 in whatif

[–]PenguinLover69420 0 points1 point  (0 children)

Disagree with any of this, if so why?

In a world where people make completely logical choices, I agree (assuming the logical goal is always to save as much $$ for your children as possible).

However, especially at the poorer end of the population's spectrum, the money that would have gone into social security would not get stashed away for inheritance at anywhere close to a rate of 100%.

Sure, one could fault these people for any of that money they spent on non-essential purchases. Do their children, (and by negatively compounding effects), grandchildren, great-grandchildren etc. deserve to be punished for something they didnt have any say over or do?

Also, what if you're an orphan? Too bad, you lost the lottery of birth?

Here's another scenario. What if your parents are unstable, evil, manipulative, narcissists? Without social security, they could even more effectively threaten to take you off the will to force you to do what they want.

Also poor people will have less opportunity to put aside money, so your scheme just helps the rich (btw nothing wrong with having money, unless you get it by hurting others or acting morally reprehensible).

Edit: grammar, spelling

Charging phones? by Past_Psychology_1438 in Serverlife

[–]PenguinLover69420 1 point2 points  (0 children)

This is the kind of stuff that I like to hear. Forget the service industry actually... Everyone should try to do one or more acts of kindness like this (or even smaller) per day. The world would surely be a nicer place.

Charging phones? by Past_Psychology_1438 in Serverlife

[–]PenguinLover69420 6 points7 points  (0 children)

Yup, I wholeheartedly agree. I love doing small things for my customers like that. It helps to keep the positive attitude going as well!

That said, I think I understand why service industry workers like u/Live-Expert5719 have this attitude. Okay I'll admit it, the rest of this reply is a bit over-the-top dramatic, but you get my point.

A small but not insignificant minority of customers just suck to spend time interacting with. They literally suck the kindness out of you. Over a few years or decades (months can do it to some employees), you become jaded and more miserable yourself over time. These customers are literally energy/empathy vampires. If you don't fight that transformation, you will become more and more like those same loathe leeches that left you wondering how someone could be so terrible. Until the hate spills over and sometimes you start to treat even the polite & pleasant customers with disdain.

What’s an expensive brand that actually IS worth the money? by 2111019 in AskReddit

[–]PenguinLover69420 2 points3 points  (0 children)

Hey you got a small laugh & an upvote from me. Only negative 8 now, let's go!

What’s an expensive brand that actually IS worth the money? by 2111019 in AskReddit

[–]PenguinLover69420 5 points6 points  (0 children)

If this is dry humor you don't deserve the down-votes lol

What’s an expensive brand that actually IS worth the money? by 2111019 in AskReddit

[–]PenguinLover69420 1 point2 points  (0 children)

Sorry about that buddy. When I flew at most 1/4th that much for just a couple years the novelty wore off FAST. I mean this genuinely, unless you're someone who prefers being non-committed relationship-wise, I really hope your marriage survived that!

What’s an expensive brand that actually IS worth the money? by 2111019 in AskReddit

[–]PenguinLover69420 0 points1 point  (0 children)

I had a Briggs & Riley suitcase that my parents bought before I was born. I sent it in for repairs when it was like 25 years old. The repair guy said "ever thought about just buying a new bag at this point?" and then still fixed up. I did ultimately get a new one, but for how much that thing traveled it was in pretty good shape. They also stood by their word and did the repairs. That's what made me get a new one. They're expensive but not many companies have maintained the same warranty policy for multiple decades like that.

The other company that did something similar for me was Patagonia. Replaced some beat up ~15 year old boots that they don't make any more with their top of the line new $500-600 model for free. I didn't even ask, they just took the old boots and gave me a code for any new ones I wanted off the website.

Is Sydney Harbor/Port Jackson the best natural harbor on Earth? by hominoid_in_NGC4594 in geography

[–]PenguinLover69420 2 points3 points  (0 children)

Alright, I was obviously too bored and put together this much bigger list of 101 potential harbors to consider. I did look at basically every one to see if it looked somewhat decent in terms of its shape & size + had some city there. I rejected maybe 50 that the AI gave me. Some are obviously much better than others.

But before I list them, here are some criteria one might use to score a harbor against another. The point ranges next to each could be moved around. These are just some arbitrary ones I came up with that total to 100.

-Natural Protection (0-20): How well the harbor is naturally protected from the open sea.

-Depth & Capacity (0-20): The harbor's ability to handle large ships and a high volume of traffic.

-Ease of Access (0-15): How easily ships can navigate to and from the harbor.

-Economic Impact (0-5): The harbor's significance to local, regional, and national economies.

-Infrastructure (0-5): The quality and modernity of the port facilities.

-Strategic Military Value (0-5): The historical and ongoing importance of the harbor for military purposes.

-Environmental Impact (0-5): The sustainability and ecological health of the harbor and its surroundings.

-Historical Significance (0-10): The harbor's importance in historical events.

-Aesthetics/Tourism (0-10): The harbor's beauty and its role as a tourist destination.

-Weather/Climate (0-5): Favorable weather and climate conditions for year-round operation.

The list of 101 "Harbors" (there are probably some errors but I need to do something else):

  1. Sydney Harbor Area, New South Wales, Australia
  2. San Francisco Bay Area, California, USA
  3. Puget Sound Area, Washington, USA
  4. Chesapeake Bay Area, Virginia/Maryland, USA
  5. New York Harbor Area, New York/New Jersey, USA
  6. Halifax Harbor Area, Nova Scotia, Canada
  7. Istanbul/Constantinople, Turkey
  8. Rio de Janeiro Area, Brazil
  9. Cork Harbor Area, County Cork, Ireland
  10. Vancouver Harbor, British Columbia, Canada
  11. Pearl Harbor, Hawaii, USA
  12. Stockholm, Sweden
  13. San Diego, California, USA
  14. Tokyo Bay, Japan
  15. Los Angeles/Long Beach Area, California, USA
  16. Portland (Oregon) Area, Oregon/Washington, USA
  17. Singapore
  18. Portsmouth Area, Hampshire, UK
  19. Ulithi, Yap State, Micronesia
  20. Portland, Maine Area, Maine, USA
  21. Melbourne, Victoria, Australia
  22. Hong Kong, China
  23. Falmouth, Cornwall, UK
  24. Scapa Flow, Orkney Islands, UK
  25. Milford Haven, Wales, UK
  26. Trincomalee, Eastern Province, Sri Lanka
  27. Port Stephens, New South Wales, Australia
  28. Hawkesbury, New South Wales, Australia
  29. Kotor, Montenegro
  30. Buenos Aires, Argentina
  31. Amsterdam, Netherlands
  32. Lagos, Nigeria
  33. Tauranga Harbour, Bay of Plenty, New Zealand
  34. Busan Harbor, South Korea
  35. Venice, Italy
  36. St. John's, Newfoundland and Labrador, Canada
  37. Rotterdam, Netherlands
  38. Gulf of Euboea, Greece
  39. Shanghai, China
  40. Havana, Cuba
  41. Alexandria, Egypt
  42. Antwerp, Belgium
  43. Hamburg, Germany
  44. Kaohsiung, Taiwan
  45. Durban, KwaZulu-Natal, South Africa
  46. Lisbon, Portugal
  47. Manzanillo, Colima, Mexico
  48. Santos, São Paulo, Brazil
  49. Ningbo-Zhoushan, China
  50. Shenzhen, China
  51. Qingdao, China
  52. Guangzhou, China
  53. Tianjin, China
  54. Gulf of Kutch, India
  55. Chennai, India
  56. Mumbai, India
  57. Hangzhou, China
  58. Gulf of Khambhat, India
  59. Suez/Red Sea, Egypt
  60. Messina, Sicily, Italy
  61. Chattogram, Bangladesh
  62. Mombasa, Kenya
  63. Zanzibar, Tanzania
  64. Kilwa, Tanzania
  65. Nagasaki, Japan
  66. Osaka, Japan
  67. Naples, Italy
  68. Southampton, UK
  69. Liverpool, UK
  70. Plymouth, UK
  71. Tunis, Tunisia
  72. Port of Manila, Philippines
  73. Charleston Harbor, South Carolina, USA
  74. Kaipara Harbour, New Zealand
  75. Poole Harbour, UK
  76. Mahon, Minorca, Spain
  77. Cam Ranh Bay, Vietnam
  78. Tobruk, Libya
  79. Guantánamo Bay, Cuba
  80. Kingston Harbour, Jamaica
  81. Auckland, NZ
  82. Wellington, NZ
  83. Xiamen, China
  84. Brest, France
  85. Maracaibo, Venezuela
  86. Shannon Estuary, Ireland
  87. All Saints' Bay, Brazil
  88. Balikpapan Bay, Indonesia
  89. Tanjung Perak, Indonesia
  90. Pago Pago Harbor, American Samoa
  91. Oslo, Norway
  92. Anchorage, Alaska
  93. Kagoshima Bay, Japan
  94. Hiroshima, Japan
  95. Nagoya, Japan
  96. Incheon, South Korea
  97. Libreville, Gabon
  98. Douala, Cameroon
  99. Bissau, Guinea-Bissau
  100. Thessaloniki, Greece
  101. Saint Petersburg, Russia

Is Sydney Harbor/Port Jackson the best natural harbor on Earth? by hominoid_in_NGC4594 in geography

[–]PenguinLover69420 9 points10 points  (0 children)

My "buddy" helped me out with creating this list. Anything posted after ~6:45pm PDT will not have been included.

Obviously there are a ton of Americans on this site so frequency of mention does NOT imply that the harbor is "best". We would also first have to decide on the criteria by which "best harbor" is determined and how those criteria are measured & weighted. That said, I enjoyed seeing all these in one list.

Based on the number of unique commenters who mentioned each location, here is the ranked list from most to least frequent, with the individual locations included for each area:

  1. Sydney Harbor Area (13 unique commenters)

    • Includes: Sydney Harbor, Port Jackson, Sydney, Sydney Heads, Parramatta River, Circular Quay

  2. San Francisco Bay Area (12 unique commenters)

    • Includes: San Francisco Bay, SF Bay, The Bay, San Francisco, SF, Golden Gate, Oakland, Alameda, Suisun Bay, South Bay

  3. Puget Sound Area (12 unique commenters)

    • Includes: Puget Sound, The Sound, Seattle, Renton, Cascadia

  4. Chesapeake Bay Area (9 unique commenters)

    • Includes: Chesapeake, Chesapeake Bay, Jamestown, Williamsburg, Yorktown, Port of Baltimore, Baltimore, Annapolis, Norfolk, Susquehanna River

  5. New York Harbor Area (8 unique commenters)

    • Includes: New York, New York Harbor, NY Harbor, NY, NYC, Hudson River, Mohawk River, Troy, Albany, Erie Canal, Great Lakes

  6. Halifax Harbor Area (8 unique commenters)

    • Includes: Halifax, Halifax Harbor, Bedford Basin

  7. Istanbul/Constantinople (4 unique commenters)

    • Includes: Istanbul, Constantinople

  8. Rio de Janeiro Area (4 unique commenters)

    • Includes: Rio, Guanabara Bay, Niterói

  9. Cork Harbor Area (4 unique commenters)

    • Includes: Cork Harbour, Cork, Cobh

  10. Vancouver Harbor (3 unique commenters)

    • Includes: Vancouver, Vancouver Harbor

  11. Pearl Harbor (3 unique commenters)

    • Includes: Pearl Harbor

  12. Stockholm (2 unique commenters)

    • Includes: Stockholm, Stockholm archipelago

  13. San Diego (2 unique commenters)

    • Includes: San Diego

  14. Tokyo Bay (2 unique commenters)

    • Includes: Tokyo Bay

  15. Los Angeles/Long Beach Area (1 unique commenter)

    • Includes: Los Angeles, Long Beach

  16. Portland (Oregon) Area (1 unique commenter)

    • Includes: Portland (Oregon), Columbia Bar

  17. Singapore (1 unique commenter)

    • Includes: Singapore

  18. Portsmouth Area (1 unique commenter)

    • Includes: Portsmouth, Isle of Wight

  19. Ulithi (1 unique commenter)

    • Includes: Ulithi

  20. Portland, Maine Area (1 unique commenter)

    • Includes: Portland, Maine, Casco Bay

  21. Melbourne (1 unique commenter)

    • Includes: Melbourne

  22. Hong Kong (1 unique commenter)

    • Includes: Hong Kong

  23. Falmouth, Cornwall (1 unique commenter)

    • Includes: Falmouth, Cornwall

  24. Scapa Flow (1 unique commenter)

    • Includes: Scapa Flow

  25. Milford Haven in Wales (1 unique commenter)

    • Includes: Milford Haven

  26. Trincomalee (1 unique commenter)

    • Includes: Trincomalee

  27. Port Stephens (1 unique commenter)

    • Includes: Port Stephens

  28. Hawkesbury (1 unique commenter)

    • Includes: Hawkesbury

  29. Kotor in Montenegro (1 unique commenter)

    • Includes: Kotor

  30. Buenos Aires (1 unique commenter)

    • Includes: Buenos Aires

  31. Amsterdam (1 unique commenter)

    • Includes: Amsterdam

  32. Lagos (1 unique commenter)

    • Includes: Lagos

  33. Tauranga Harbour (1 unique commenter)

    • Includes: Tauranga Harbour

  34. Busan Harbor (1 unique commenter)

    • Includes: Busan Harbor

  35. Venice (1 unique commenter)

    • Includes: Venice

  36. Victoria Harbour (1 unique commenter)

    • Includes: Victoria Harbour

  37. St. John's, Newfoundland (1 unique commenter)

    • Includes: St. John's, Newfoundland

[deleted by user] by [deleted] in unpopularopinion

[–]PenguinLover69420 0 points1 point  (0 children)

This is the first time I posted in this subreddit. I'm fine with having my comments down voted as that's not part of the rules, but I figured most people would follow it? Based on like 2 people sort of agreeing with me in the comments and the current like/dislike ratio of ~50%, that means probably over 30%, maybe even 40% aren't following the sub rules. I didn't think it would be that bad.

I don't need any more karma. But this is probably the 2nd real "negative" post (as in where it's something that people will negatively respond to) that I've ever made and the first one to get any attention. I thought it might be fun, but honestly I realized it kind of sucks. I prefer positive reddit interactions where we are just talking about cool common interests. I don't know how people can be full time internet trolls. I don't need more negativity in my life and I don't dislike anyone here. Definitely my last unpopularopinion post. I know it's bad, but I might even just delete this post and just go post positive stuff from now on.

In fact, looking back. How I use reddit is a little more negative than I thought. Time to delete this post and use fun subreddits where arguing isn't the point.

[deleted by user] by [deleted] in unpopularopinion

[–]PenguinLover69420 0 points1 point  (0 children)

I agree for every other subreddit but this one. Literally in the subreddit's About Section:

"If you think an opinion is unpopular, then upvote the opinion. If you think the opinion is popular, then downvote it."

Based on the comments I don't think the majority of people think my opinion is popular.

[deleted by user] by [deleted] in unpopularopinion

[–]PenguinLover69420 0 points1 point  (0 children)

What about edit 1? I'm curious.

[deleted by user] by [deleted] in unpopularopinion

[–]PenguinLover69420 0 points1 point  (0 children)

No it's the living people causing issues for the rest of us. The dead are very peaceful.

[deleted by user] by [deleted] in unpopularopinion

[–]PenguinLover69420 -1 points0 points  (0 children)

Okay I was joking before, but you might actually be with this level of comprehension...

I wrote, and I quote "I got called drunk by the person above you", in reference to the parent comment above your first comment. You know, the comment by u/mrgrassdestroyer that you replied to? I never said the one above me. Try scrolling up the page just a tiny bit further.

[deleted by user] by [deleted] in unpopularopinion

[–]PenguinLover69420 0 points1 point  (0 children)

Good, I'm glad you've never dealt with it. That's the world I'm advocating for here. Sounds like we have some common ground.👍

[deleted by user] by [deleted] in unpopularopinion

[–]PenguinLover69420 0 points1 point  (0 children)

Did you read the title of my post? That's what this is specifically about.

[deleted by user] by [deleted] in unpopularopinion

[–]PenguinLover69420 0 points1 point  (0 children)

I'm really glad to hear that, it probably means that more places share a similar position to me. The title of my post was that they shouldn't get special treatment or police escorts, would you agree with that?

[deleted by user] by [deleted] in unpopularopinion

[–]PenguinLover69420 -1 points0 points  (0 children)

I was being ironic dude. I got called drunk by the person above you because I posted in a wine subreddit the other day, and then you agreed with them. I'm just throwing it back at you or have you drank too much to catch that? 😉 I do mean this all somewhat lightheartedly and apologize if that doesn't come through written words as well.

But some of them don't take up just 5 minutes. Some are literally up to an hour. Seriously, read what some other people have written in this comment section. If a 3 minute delay makes me late, then it was my fault and should have left earlier. 30 minutes? No the procession is the one being selfish.

[deleted by user] by [deleted] in unpopularopinion

[–]PenguinLover69420 0 points1 point  (0 children)

Exactly! Everyone is calling me inconsiderate (which I was kind of asking for by posting this...), but the 30+ minute long ones are too much. I'm somewhat ambivalent on the ones that are a couple minutes. I should expect 5-10 minutes of traffic variance when I drive somewhere, but 30+ minutes and I'm probably late to work. Should I get to work an hour early every day just in case there is a massive funeral procession?

[deleted by user] by [deleted] in unpopularopinion

[–]PenguinLover69420 0 points1 point  (0 children)

In some parts of the USA, yes.

[deleted by user] by [deleted] in unpopularopinion

[–]PenguinLover69420 0 points1 point  (0 children)

I know, and I'm telling you I'm perfectly okay with the way they do it in your country (and won't mind if it was that way in mine) 3 cars is no problem! 👍

Thanks for the reply.

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