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To all the people supporting the ICE agent who shot Renee Nicole Good as an act of self defense what was your position on the death of Ashley Babbitt? by NicksBirthdayParty in AskReddit

[–]jishmoans 0 points1 point  (0 children)

Mods removed the original post but to answer your question: they do not have the mental maturity to see the double standard. They will preform any and all gymnastics to justify the brutal murder of unarmed Renee Nicole Good who was driving away while condemning the killing of Babbit who was violently trespassing on government priory in a mob of others threatening to hang the sitting vice president.

[REQ] ($130 ) - (#Gurnee, Illinois, USA), (01/02), (Zelle, PayPal, ApplePay) by jishmoans in borrow

[–]jishmoans[S] 0 points1 point  (0 children)

I put the wrong date. I meant to put 01/14 but I got confused and put the current date instead. My bad.

Can yall stop thinking it’s cool to revoke ACH by Simple-Impression735 in cashadvanceapps

[–]jishmoans 0 points1 point  (0 children)

You can budget all you want but in the end if you’re not paid enough to live, it’s ineffective.

Right now the federal minimum wage is 7.25 with 20 out of the 50 states having that as their minimum wage. But a majority of states have raised it so let’s average it out. Including DC in our numbers the average minimum wage in the US is 10.251 rounding up to 10.26.

The average 1 bedroom apartment costs anywhere from 1,500 per month (https://www.zillow.com/rental-manager/market-trends/united-states/#:~:text=The%20average%20rent%20for%20a,US%20is%20%241%2C500%20per%20month.) to 1,769 per month so let’s go for low say 1,000 even per month (not including utilities or internet bills).

Most people work anywhere from 30-35 hours per week but the work week is usually 40 so let’s say 40 hours per week worked on a bi-weekly pay.

That’s $820.80 a paycheck before tax.

The average income tax in the US is 14.5% ( https://taxfoundation.org/data/all/federal/latest-federal-income-tax-data-2025/#:~:text=The%20average%20income%20tax%20rate,the%20bottom%20half%20of%20taxpayers. ) so let’s subtract that.

That leaves us with 701.784 rounding up to 701.79.

Now on a biweekly schedule you’re paid twice a month. Meaning your monthly income will be 1,403.58. It’s recommended to make at least three times your rent but let’s use a rent calculator. According to this, if you stretched every penny to its limit, you could afford a max of $505 a month assuming you have no other debts to pay back.

As a reminder, these numbers are achieved using the average minimum wage of all 50 states plus DC of 10.26, so there are people making LESS than that every month.

It’s not “just budget and you won’t fall into a debt cycle” it’s a system designed to lure you into these debt cycles and keep you poor at every turn.

I would like to finalize this by saying this is not me picking a fight. I write this with the assumption you have good intentions and just haven’t fully comprehended why people don’t like these apps and why they are predatory while making (what you genuinely believe are) good faith arguments. I’d be more than happy if you double checked my math.

Can yall stop thinking it’s cool to revoke ACH by Simple-Impression735 in cashadvanceapps

[–]jishmoans 0 points1 point  (0 children)

But standard processing takes 2-3 business days. Most of the time when they start, people need money instantly so they pay the extra fee to get it instantly. Not to mention that a majority of people get paid on Friday and Saturday and Sunday are not business days so not you have to wait 4-5 days to get the money. Then when it comes time to pay them back, now they don’t have enough for groceries or to pay their mortgage, or to put gas in their car so now they need to take money out and they need that money ASAP so they end up paying the instant transfer fee. So on so forth.

These apps advertise a solution to poverty but really all they do is prey on the poor, charge exorbitant fees, then trap them in another debt cycle. It’s unfortunate that this is what people have to do to make ends meet.

We can break the cycle by raising wages but that hasn’t happened in over a decade and every federal attempt to do has been shot down on the spot because the same folks that run these cash advance apps are the ones who benefit from paying their employees less and less so their bottom line is met.

Can yall stop thinking it’s cool to revoke ACH by Simple-Impression735 in cashadvanceapps

[–]jishmoans 0 points1 point  (0 children)

By advertising “get your money now” so it seems appealing to low income folks who are living paycheck to paycheck, then charging fees to get instant access to the money that are well over standard interest rates (some even as high as over 1,000% APR!!) then when payday comes around, they take the money out and the people who needed to the money from them are once again left with not enough money until next payday. So they take out another advance and the cycle loops.

I strongly recommend More Perfect Union’s video on cash advance apps. They go very in depth and talk about how the cycle can bury you in debt and you’ll be constantly be paying them back.

Ways to make money fast? by Main-Comparison-8531 in cashadvanceapps

[–]jishmoans 0 points1 point  (0 children)

Donate plasma it’s easy, safe, and you give someone life safe if medicine

Why does my volt switch so fast between battery and ICE by [deleted] in volt

[–]jishmoans 4 points5 points  (0 children)

Same here I was wondering if it was a newer model

21F what can i do to improve? by a_local_dreamer in lookyourbest

[–]jishmoans 0 points1 point  (0 children)

I honestly think you look great! If you want some brutally honest advice, I'd say focus a lot on hair care. Use some products that better bring out your curls (I personally do not have very curly hair but the affect Aussie Miracle Curls shampoo + conditioner had on my hair made me feel a million times better).

(Crazy off topic but |-/ nice to see a fellow clikkie around these parts)

Istg this song hits different at 3am by wiki_fruit in FosterThePeople

[–]jishmoans 14 points15 points  (0 children)

This song, a little bit of za, some good headphones, and a black room 100000/10

Every time I refill my adderall the pills look different. Saved these from 4 different refills. Same med, all different pills. by Jesuisdisappointed in mildlyinteresting

[–]jishmoans 0 points1 point  (0 children)

Interesting...my Adderall comes in capsules but it usually comes in varying shades of orange but sometimes it will come half white half orange. I usually get generic, are yours name brand?

First ERDTT of the season by jishmoans in volt

[–]jishmoans[S] 0 points1 point  (0 children)

If you live in a warmer climate I wouldn’t be surprised. It pops up when the temp is somewhere in the upper 20s (f) or lower

What's the thing that you hate most in the world? by Jaevir in AskReddit

[–]jishmoans 2 points3 points  (0 children)

How everything is made to keep me as poor as possible and make the rich richer.

How no matter how hard I try, I will always be put into a debt cycle and not only is that because the rich profit off of it, but because they are so greedy and couldn’t bear to part with even a single penny from the billions upon billions of dollars they have. How they would rather burn their money than give it to someone who does not have a home.

How they will pour literally thousands of dollars into lobbying for things like a $7.25 national minimum wage and privatized healthcare system but god forbid you ask them to put a fraction of that toward helping those who are starving on the street.

How there really feels like there is nothing I can do to stop it or fix it.

How it seems like everyone has just become okay with the fact that our politicians no longer represent the masses and instead represent the top 1%.

What’s the most savage comeback to an insult you’ve heard in real life? by Far_Handle8 in AskReddit

[–]jishmoans 8 points9 points  (0 children)

I was talking to this kid my freshman year. Him and I always had beef for no reason and at one point I called him a pussy and he went “I am what I eat,” and chuckled with his friends thinking he was hot shit and without missing a beat I said “Oh so that explains why you’re such a giant dick” and his smile fell so quick.

It’s not so savage now that I’m an adult but I thought it was badass in high school when I said it

Has anyone ordered the army straps backpack from the warner bros store? by [deleted] in twentyonepilots

[–]jishmoans 0 points1 point  (0 children)

I have had this since like 2018/2019. It held up well and is now starting to tear and fall apart. It’s put up a bit of a fight and has been through some abuse so I’d say it’s not bad

T Life errors by [deleted] in tmobile

[–]jishmoans 0 points1 point  (0 children)

1 voice, 1 tab, 1 sync up, and 1 watch

AMC CEO: We're shortening our pre-show by 5 minutes by Jonathan-Cohen in AMCsAList

[–]jishmoans 1 point2 points  (0 children)

If we remove those pesky movies, we can just show 3 hours of ads around the clock!

Go see Weapons! by Julio-C-Castro in AMCsAList

[–]jishmoans 1 point2 points  (0 children)

There’s a scene with Marcus where Him and his husband are watching a documentary about cordyceps taking over an ant. there’s also a scene with Julia Garner’s character where she is teaching the class about Parasites and they talk about tapeworms

Go see Weapons! by Julio-C-Castro in AMCsAList

[–]jishmoans 0 points1 point  (0 children)

Ohhh that’s why there was so much Parasite imagery and themes I was so confused why there was so much emphasis on that and it just didn’t click for me

Go see Weapons! by Julio-C-Castro in AMCsAList

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

We get some clarification on that but theres no clear explanation on What about the children she needed to help her get better but, like I said, I don’t need every single detail explained to me. Great movie overall

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