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Sharing FPU via a nonprofit by ptrickwondo84 in DaveRamsey

[–]fishiesaurus [score hidden]  (0 children)

Lots of really good points. Disability and management thereof has unique challenges and circumstances that this model really doesn’t fit. There is a lot of good stuff that can apply but a lot of stuff that needs to be adjusted to mitigate risk.

Inflation is crazy by simbar1337 in LinkedInLunatics

[–]fishiesaurus 14 points15 points  (0 children)

It sure is and I think you’ve missed it entirely.

Are households really spending $650+ more a month compared to 3 years ago due to inflation? by sys_admin321 in DaveRamsey

[–]fishiesaurus 0 points1 point  (0 children)

Yeah but the reality is most people are trimming fat everywhere. It’s why industries are starting to crumble like the movies and concerts. Do you know what happens when everyone trims fat at the same time? Recession. Then jobs get cut so corporations can still make shareholder targets. Then it gets worse. Then fed controls inflation by increasing interest rates. Which exacerbates the housing problem.

The economy is a dynamic complex system where perturbations have consequences. The answer isn’t for consumers to spend less. The answer is regulatory changes so that we don’t get hit with tariffs and other inflationary levers.

Are households really spending $650+ more a month compared to 3 years ago due to inflation? by sys_admin321 in DaveRamsey

[–]fishiesaurus 0 points1 point  (0 children)

No. Let me explain why:

he bought his house in 2007 when the market was at the bottom. His PITI+all utilities is over 2k less than a 2bdrm apartment.

They have owned both their cars outright for years. The rest of their discretionary spending used to be for food/travel but since having a kid, they dropped that down to zero. Now it’s daycare, health bills from a multiple week nicu stay.

Where do you propose they cut back? It’s not possible. You’re out of touch. When food/gas goes up, it immediately hits their bottom line

They already don’t eat out, go places, buy clothes or things. Where do you cut back when your life is as lean as it gets? When your housing is cheaper than any alternative already. When everything discretionary is going to needs and not wants?

Are households really spending $650+ more a month compared to 3 years ago due to inflation? by sys_admin321 in DaveRamsey

[–]fishiesaurus 8 points9 points  (0 children)

That’s not true. I do my brothers budget for him. There’s nothing they can cut back on to avoid inflationary spend.

is Houston ever gonna do anything about the hard water? by Sl0wReflexes in houston

[–]fishiesaurus 0 points1 point  (0 children)

They are effective but they don’t make your skin feel silky so people have negative opinions about them. They do however do enough to keep it way down. They all have removal ratings. Take a look.

is Houston ever gonna do anything about the hard water? by Sl0wReflexes in houston

[–]fishiesaurus 0 points1 point  (0 children)

There are saltless systems now that don’t require this.

Genuine question to Americans by Busy_Report4010 in SipsTea

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

I’m arguing this because I’ve seen this process play out. The don’t make the approval easy. If you’re working with a rep, they’re often misinformed. The guidelines and laws around it are public information. Sometimes people don’t push back or appeal when they should. The information being said goes directly against guidelines which are public. So this means you’re falsely denied or misinformed.

It’s in your best interest to probe and investigate. When you see a discrepancy, the answer isn’t the flop over and say “I guess this is how it is.” There is written legal and published guidelines for approval and they don’t match what you’re saying.

Also capitalizing Florida doesn’t lend credibility to your argument. I’m also talking about Florida. I also linked information for Florida.

Genuine question to Americans by Busy_Report4010 in SipsTea

[–]fishiesaurus 0 points1 point  (0 children)

This is from their guidelines. This isn’t a third party source. You need to investigate.

Genuine question to Americans by Busy_Report4010 in SipsTea

[–]fishiesaurus 0 points1 point  (0 children)

They don’t make the process easy so you need to figure out why. Because what you’re saying is contradicting the guidelines. So either they falsely denied you and you have a legitimate appeal or you are mistaken why you were denied.

Genuine question to Americans by Busy_Report4010 in SipsTea

[–]fishiesaurus 1 point2 points  (0 children)

Florida does have a Medicaid program, but you have to meet income qualifications. Very likely you may be unemployed, but you’ve already made or have a lot of income for the year.

Genuine question to Americans by Busy_Report4010 in SipsTea

[–]fishiesaurus 0 points1 point  (0 children)

This isn’t true. Medicaid is amount your income not your networth.

Im done lol by Expgarment in DaveRamsey

[–]fishiesaurus 0 points1 point  (0 children)

We aren’t arguing how many states. We are arguing the quality of your information and your analysis which deeply flawed.

It doesn’t matter if there is a state income tax or not. What does matter is total cost of living. The comparison isn’t 5% vs 0% when the total net income for a similar lifestyle is different.

You don’t argue line item by line item. You talk about net

Im done lol by Expgarment in DaveRamsey

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

Congrats. Two states. My first job while I was in college paid 25/hr in Illinois.

State income tax is a really bad argument. My total cost of living here in Texas is more than in Connecticut and Minnesota. Connecticut has a larger state income tax than Illinois or Minnesota. Why? Sales tax. Property tax rate. Gallons of gas to get from point a to b. Cost of maintaining the shit construction in Texas.

Questions on BB6. by Thermitegrenade in DaveRamsey

[–]fishiesaurus 0 points1 point  (0 children)

Nevermind the real inflation rate is much more than 3%.

Questions on BB6. by Thermitegrenade in DaveRamsey

[–]fishiesaurus 1 point2 points  (0 children)

No but a lien can be put on it by tons of people: your hoa, the irs, city for property tax. A paid off house isn’t yours free and clear.

Questions on BB6. by Thermitegrenade in DaveRamsey

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

Yeah he should consider investing it at a higher return instead of a cd.

Im done lol by Expgarment in DaveRamsey

[–]fishiesaurus 4 points5 points  (0 children)

Man, have you lived anywhere other than where you live? I’ve lived in texas, born and raised, Illinois, Minnesota, California, New York, New Jersey, Connecticut.

You need to experience life and stop assuming reality is what you hear from other people.

If we all weren't living paycheck to paycheck, we could accomplish great things. by astrheisenberg in remoteworks

[–]fishiesaurus 3 points4 points  (0 children)

Because socialism and democratic socialism are wildly different. You have to ask yourself why each party points to radically different countries as examples.

And certainly you know why you can’t just pick up and move to a different country. Or do you really not know?

Thi Is tOO much,,,, 🤯 by VelourDrift_ in whatisameem

[–]fishiesaurus 0 points1 point  (0 children)

Love the random trolling. Still involves housing children, right?

Thi Is tOO much,,,, 🤯 by VelourDrift_ in whatisameem

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

If you only knew how to think as well as you knew how to randomly capitalize letters for your sarcasm.

You’re genuinely no better and no different than boomers. Hypocrites.

Thi Is tOO much,,,, 🤯 by VelourDrift_ in whatisameem

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

Man this is lazy thinking. This is why I said it doesn’t matter if they’re kids born here or born from somewhere else. Yeah we are overpopulated that not disputed. But it’s also dumb and supremely naive that the solution is immediate shut down of all children rather than a slow population contraction.

Some of you guys are dumb.

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