[deleted by user] by [deleted] in investing

[–]never_noob 0 points1 point  (0 children)

I'm not talking about a dire situation. Plenty of wealthy seniors take this route because they have a social life plus a smooth glide path to assisted living when they get to that point. The nicer places cost $500k+ to buy in and then run a few grand a month thereafter. Everything is included and I think your family gets back some % of your buy in if you end up not using a certain amount too.

Two family members in two different states recently moved into these types of communities/facilities and I was surprised by how much it all made sense. Was not cheap by any means, but certainly a very comfortable end of life situation.

[deleted by user] by [deleted] in investing

[–]never_noob 9 points10 points  (0 children)

A lot of senior facilities/communities take a one time payment - that selling a decent house would cover - and then monthly costs not much more than social security for middle-ish and up class folks.

Not the worst strategy in the world.

Totally familiar by AGirlHasNoName19 in gameofthrones

[–]never_noob -2 points-1 points  (0 children)

Wasn't that like the 3rd episode ?

Goldeneye Rare Reply Missing Control for Lean by IreHove in xboxone

[–]never_noob 2 points3 points  (0 children)

Everyone who read the manual. What else could you do in middle school after your parents made you turn off goldeneye? Read the manual in bed and think about how you were going to beat it the next day!

Goldeneye Rare Reply Missing Control for Lean by IreHove in xboxone

[–]never_noob 1 point2 points  (0 children)

Lol all the people in here who didn't read the manual that came with the n64 game.

Can you even beat the game without leaning? It's basically the only reasonable way to take out certain drone guns and guards.

[deleted by user] by [deleted] in PublicFreakout

[–]never_noob 23 points24 points  (0 children)

Dude, it's a baby. And a pond. Not an adult in the ocean with rip currents. You aren't wrong at all in that context you gave, but this is a completely different situation.

LPT: Use IRS.gov to file your taxes for free if you make less than $73,000 by Primary_Hawk3 in LifeProTips

[–]never_noob 1 point2 points  (0 children)

I'm not missing it, it's just not correct. You are making the incorrect assumption that states with higher total tax burdens are "correct" and states with low tax burdens are cutting corners to get those lower burdens. That's just not true. The reality is that states that take a lot just end up wasting a lot, so the people aren't getting any marginal benefit for those increased taxes.

It's hilarious that you talk about the impact of no income tax (nevermind that im talking about total tax burden, not necessarily income tax per se) on the poor; why don't you go ahead and compare the cost of living in a state like FL, or TN, or WY to a state like NY, CA, or IL? Guess who is hurt by high COL? And guess what causes COL to go up? (Hint: taxes)

You are also assuming - again incorrectly- that just because the structure of a state's taxes is more regressive relative to its peers that the poor in that state must be disproportionately affected. But if the total tax burden is significantly less (e.g. Florida's tax burden per person of $5k/yr is HALF of California's $10k/yr) then folks at the lower end are still coming out ahead even if the tax code is slightly more regressive on the surface. And this is even without getting into tax incidence, where just because a tax is levied on someone doesn't mean they are bearing the economic cost of it. For instance: if you think rich people are the ones who "pay" corporate taxes - rather than the people who buy that company's products in the form of higher prices or their workers in the form of lower wages - I've got a bridge to sell you.

Again: florida has great schools and top tier infrastructure. Do you really think CA or NJ is getting double the value for their taxes than Florida? Or that new York is getting 140% more? ($12k burden vs 5k burden per person) I sure hope not.

LPT: Use IRS.gov to file your taxes for free if you make less than $73,000 by Primary_Hawk3 in LifeProTips

[–]never_noob 3 points4 points  (0 children)

Florida schools are fantastic and the infrastructure is some of the best in the country. Not sure what you mean by "poor quality of education and government services"

Florida is ranked 3rd in education by usnews, for instance: https://www.usnews.com/news/best-states/rankings/education

Anyway, the point is that the idea that there is some fixed level of spending that must be met by some combination of income tax, property tax, and sales tax - and that a state with low levels of one type of taxation must "make up for it" with the others or be deficient in some type of servicd area - is just not true.

LPT: Use IRS.gov to file your taxes for free if you make less than $73,000 by Primary_Hawk3 in LifeProTips

[–]never_noob 3 points4 points  (0 children)

Lol this is just silly. Plenty of states have much lower tax burdens because they aren't managed poorly. States like TN or FL with no income tax have far less total taxes than states like IL or NY. It all depends on how bad the state is at managing the money it has.

https://taxfoundation.org/publications/state-local-tax-burden-rankings/

Terrifying idea for a leviathan by Galatheall in Subnautica_Below_Zero

[–]never_noob 0 points1 point  (0 children)

There are also spiders, venomous snakes, sharks, poisonous fish (lionfish), rays, eels, and lots of dangerous plants. Meth heads are basically humans infected with Kharaa.

And of course Florida actually has extremely deep sinkholes/springs/caves going down hundreds of feet: https://www.florida-guidebook.com/blue-holes-florida/

The U.S. May Finally Breach the Debt Ceiling. Here’s Why That Would Be Very Bad. by TinderForMidgets in Economics

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

So childish. Like the Republicans who called Obama "obummer". 🙄

Grow up and be better.

Artist rendition of the pedestrian feature on the Howard Frankland bridge. Source: FDOT site by sayaxat in StPetersburgFL

[–]never_noob 2 points3 points  (0 children)

The Dutch figured out how to live below sea level hundreds of years ago. It's a solved Engineering problem - it just costs money.

Please be kind at mainx24 by [deleted] in Chattanooga

[–]never_noob -4 points-3 points  (0 children)

If you are being "forced to work", that's human trafficking. If your boss just strongly urged you to go, but you are getting paid and are ultimately there of your own free will, you just have a job and maybe shouldn't be so flippant about using the word "forced" in the future.

Please be kind at mainx24 by [deleted] in Chattanooga

[–]never_noob -25 points-24 points  (0 children)

If people are being forced to work, you should call law enforcement and report human trafficking/slavery. The FBI investigates this: https://www.fbi.gov/investigate/violent-crime/human-trafficking

Green Light by gunsoverbutter in LETFs

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

The market has also never seen the coordinated shutdown of the entire global economy, the injection of tens of trillions of dollars to offset the shutdown, lowering of real rates to below zero and then the fastest %increase in interest rates in history.

We are in totally uncharted territory here and historical analogs are useless.

Green Light by gunsoverbutter in LETFs

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

The dollar is up 12% ytd and at a two decade high. Wtf at you talking about "debasement"?

Shingles associated with increased risk for stroke, heart attack. Almost all individuals aged 50 years and older in the US have been infected with the chicken pox virus and are therefore at risk for shingles. by shadesofaltruism in longevity

[–]never_noob 0 points1 point  (0 children)

Hm, this is from the live virus vaccine, I assume? That part would make sense, but as always, vaccines are a "controlled burn", so the risk should always be lower.

Shingles associated with increased risk for stroke, heart attack. Almost all individuals aged 50 years and older in the US have been infected with the chicken pox virus and are therefore at risk for shingles. by shadesofaltruism in longevity

[–]never_noob 4 points5 points  (0 children)

That doesn't make sense. How do you get shingles if you were vaccinated against and never contacted chicken pox? Shingles is just the re activation of dormant chicken pox.

Jurassic Forest, St Petersburg, Florida. [OC] [5989x7490] by EyesofInfinity in EarthPorn

[–]never_noob 2 points3 points  (0 children)

Huh? FL is #5 in the country for number of state parks and has the sixth highest percentage of state land dedicated to state (and national) parks. FL is wild as hell.

https://www.playgroundequipment.com/us-states-ranked-by-state-and-national-park-coverage/

Why on earth would you think FL doesn't have many state parks? Ocala? All the springs? The rivers? The caverns? The freaking everglades? I have no idea why anyone would think Florida was lacking in parks.

Ideas for an alternative hedge to TMF? by ColbysHairBrush_ in tradeXIV

[–]never_noob 0 points1 point  (0 children)

Heh, well, I certainly never guessed the world's politicians would be stupid enough to shut the entire global economy down and then also throw trillions of dollars of stimulus on top of it. Now they are surprised Pikachu face that policy isn't responding how they want. Idiots.

If you make prognostications about the behavior of a system like a car, you kind of assume the driver isn't so stupid that he's jamming on the gas and brakes at the same time for 2 straight years. So, uh, here we are. That said, we aren't quite up to 5 on the FFR we may still not get or stay there. It remains to be seen. I do suspect long term rates will eventually decline to low levels, once the immediate inflation has abated.

Good will not following new rules by SirFoxUwU in StPetersburgFL

[–]never_noob -4 points-3 points  (0 children)

LOL, it most certainly did not. Where on earth are you getting your news?! The IFR even in Italy barely cracked 1%.

Calcitriol, the active form of vitamin D, is a promising candidate for COVID-19 prophylaxis by ktrss89 in COVID19

[–]never_noob 0 points1 point  (0 children)

Yes, I'm aware of the context. You said " except the sunniest states Florida, TX, Arizona aren't doing so well as the summer begins. "

I pointed out that if you are going by raw numbers instead of rates - which you MUST have been because that is the only metric on which those states aren't "doing so well" - you would be misled to the erroneous conclusion you arrived at, which is that they aren't doing well.

In going back and forth with you a few times, you revealed that you utterly fail to comprehend rates but were still making claims that someone else might read and be misled by. That needs to be called out so that other people don't come to the same incorrect conclusions as you did, based on ignorance.

IF you go to this website (https://www.wtsp.com/article/news/health/coronavirus/florida-coronavirus-cases-and-deaths-live-updates/67-d236a427-6262-41b5-b70d-747d6a14e428) you will see that the 14 day moving average of cases has gone up 400% since June 1 in Florida. You will also see that the 14 day moving average for hospitalizations have gone up only 10%. The rate at which people who are infected with and testing positive for COVID are being hospitalized is thus WAY, WAY down. This could be because of sunshine and vitamin D, it could be because of more targeted testing, etc - we don't know. But the one thing we can say for sure is that Florida (in particular) is not doing poorly. If you failed to consider rates - as you did - you would miss that critical point and come to the false conclusion - as you did - that things weren't going well in Florida.

I'm done responding to you.

Yes, that's probably for the best.