Comments by "Wandering Existence" (@WanderingExistence) on "How Money Works" channel.

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  73.  @d33pblu3  You know it's ironic, I'm not currently working right now but I still receive an income, and I'm not on government cash assistance. It's called dividend and interest. You see it's really capitalist that can sit around and do nothing while they watch their money grow. I've been paid dividends recently for doing nothing, my GOOGL is using $70 billion to buy back stock after it laid off 7,000 workers, and my NVDA is up 26% just this week because AI will start taking more jobs. To add to the irony it's the capitalists who are firing people and taking their jobs with automation and then blaming them for not working. Do you realize people can still do work and retain the full value of their labor without giving it a way to shareholders who literally just sit around the house and talk about socialist ideology (me, lol)? It's called a Cooperative, and the Evergreen Cooperative in Cleveland Ohio has helped people increase their wages as well as share in the profits that they help create. Here's a snippet from an article; "In the 11 years since then, Evergreen Cooperatives has added three more cooperatives to its ranks, growing from two companies with a total of 18 workers in 2010 to five companies with approximately 320 workers. Those workers are paid 20 to 25 percent higher than employees at the cooperative’s competitors. “Our average pay rate is close to $15,” says John McMicken, CEO of Evergreen Cooperative Initiative. “But when you take profit sharing into account, which could equate to $4 to $5 an hour, we’re hoping that we have a shot at breaking the $20 an hour ‘blended rate,’ if you will.” In 2019, the average compensation at Evergreen Cooperative Laundry was around $18 per hour." - Despite a Rocky Start, Cleveland Model for Worker Co-ops Stands Test of Time, by Brandon Duong
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  126. ​ @JosiahTaschuk  Totally! Personally, I've been interested in two grassroots groups focused on economic democracy, called the Next System Project and the Democracy Collaborative. They have devised a way to keep production local and contract service to cooperatives, called the Preston Model. They have helped multiple cities struggling with job loss due to factory closures build back their communities, in the US and UK. In addition, trade unions, collectives, public banks, credit unions, community land trusts, CSA's, and many other democratically controlled institutions can work together to create democratic networks outside the market to create an economy that doesn't reduce people, their governments, and the environment to a monetary value. I think this can be a viable strategy to give people the autonomy over their work. I believe economic democracy is the only way people who work for the economy will have the economy work for them, their families, and the planet too. This way of revitalizing communities by building community wealth has helped many communities all over the globe, and it is utilized by the UK labor party and touted by Jeremy Corbyn. Preston, Lancashire became the most improved city in the UK because of community wealth building. https://youtu.be/MObfh_VNqs4 Not to mention, much of the progress in labor rights has been due to union's collective power. The thing that draws my conviction to the movement is that I can see it now, helping empower people to live happier, healthier, and wealthier lives.
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  136.  @thetapheonix  Ok, so we're moving the goal posts from "money printing"? I just want to be clear, this isn't money printing and this money would just be economic rent retained by shareholders if not taxed. Shareholders didn't do anything for the natural resource either, because it's a natural resource... Nobody created it. That's why it's taxed and given to the citizens of the jurisdiction as a Social Dividend. You're perfectly fine with the inflationary effects of oil revenues being pushed out as private dividends, because that's the system you're defending. You're prioritizing one singular aspect of the economy, inflation, over everything else including the marginal impact of money to make people's lives better. You haven't really said how you would address asset inflation that creates wealth inequality when you're arguing that corporations should retain economic rent. Rent seeking is monopolistic. Nobody said you had to adopt the whole Nordic system, I was simply talking about Sovereign Wealth Funds as an alternative way to manage natural resource revenues. Personally, my favorite cooperative system and believe that a UBI would help people buy equity in worker cooperatives and start small businesses. Or if it was retained in a sovereign wealth fund type investment portfolio to provide capital into cooperatives (that are often under capitalized) by purchasing non-voting shares that would help build economic development. Incentivizing saving and investment with the funds that would help decrease consumer price inflation by diverting that purchasing power. This creates asset inflation that is democratically equitable and decreases the negative aspects of wealth inequality.
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  152.  @TunaIRL  It's ironic that you think I was never talking about non-profit work and then you have the audacity accuse me of not reading your reply, that's not what I was talking about. That's literally you not reading my comment. I was talking about how government force creates capitalism... That has nothing to do with non-profit work. So I honestly have no clue what you're even talking about and it seems like you didn't read my comment, if I'm wrong please correct me. If you're going to respond I would ask the courtesy of you reading what's being written. And it's weird of you to assume that I've never been outside of the country, I've been to five different countries besides America. If you tell me your country of origin I could probably tell you how capitalism evolved through government force in your area. But you know what that's kind of beside the point, America is a perfect example of government coercion to create private land tenure. So you're kind of just using a logical fallacy to get out from under the point. But hey, you're the one who didn't read my comment properly. You don't get it just put some artificial boundary on what type of sustainable profit motive private interests get to use to denote themselves as capitalists... That's literally half the point of capitalism is that private parties determine what type of prices to set. You don't get to come in and just say "you're not capitalist because you're maximizing profit to an unsustainable level". You're trying to justify a system that doesn't care about sustainability by trying to delude yourself that it does. Sorry, not buying it.
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  156.  @me-myself-i787  Lmao! Trust me I know how simple it is to plug in numbers into a compound calculator.... I used to set out rather realistic projections for my investments all the time. But the one thing that makes it really hard to keep investing and building wealth to a point where one feels secure enough to take off from work voluntarily, is to be forced out of a job because you're literally unable to fulfill the requirements of nearly any job because of disabling health issues. I started working and investing at 13. Some of the first stocks that I bought are Home Depot and Google. I've saved and invested and put myself in quite a good position... But I was lucky enough to hear about investing at a young age and lucky enough to have the math brain to understand why compounding was so important. All that said and done, I'm still unemployable due to my health issues, and while I do rely on family and my stock account many things would be much more difficult without state assistance. It's easy to make plans, and it's a bit harder to stick to them... I was able to do both for awhile and set myself up in a good way for the position that I'm in currently, but even though I'm young, and even my health is quite fragile, and that can quickly make you have to scrap your little table to a $1M, just like I had to. I'm not disagreeing with the math because the math is just the math, but I am speaking from the standpoint of life experience as well as an understanding of economics and finance. One of those economics/ finance lessons is that the understanding that sometimes the economy doesn't make the math work out for most people. Investing $10K/yr is rough when 64% of Americans are living paycheck to paycheck and most of them can't afford a $1,500 emergency. That would indicate that they don't need to spend money on investments, they should put money into their emergency funds. When people's education, health care, insurance, and housing costs all rise higher than inflation but their wages barely keep up with inflation... That's a deficit that's not going to be magically funded. CEOs and shareholders dividend pay/ buybacks have drastically increased at the expense of workers. I speak as a $GOOG shareholder who is getting a portion of capital appreciation due to $100B in buybacks, meanwhile 7,000 Alphabet employees got laid off. Home Depot loves to give me 8-20% dividend increases annually... But would totally hesitate to increase their wages 8 to 20% annually, and I've literally never done any work other than scan something at the self checkout at Home Depot. C'mon, I'm a shareholder and even I understand how unfair it is. I hope this wasn't too long for you to read, but I just want you to know the real world example of how those projections sometimes turns out.... It's all a probability curve ;) P.S. The ACA and Medicaid have saved my life.... Literally.
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  173. ​ @elbarto4069  Why is that the false dichotomy? Personally, I've been interested in two grassroots groups focused on economic democracy, called the Next System Project and the Democracy Collaborative. They have devised a way to keep production local and contract service to cooperatives, called the Preston Model. They have helped multiple cities struggling with job loss due to factory closures build back their communities, in the US and UK. In addition, trade unions, collectives, public banks, credit unions, community land trusts, CSA's, and many other democratically controlled institutions can work together to create democratic networks outside the market to create an economy that doesn't reduce people, their governments, and the environment to a monetary value. I think this can be a viable strategy to give people the autonomy over their work. I believe economic democracy is the only way people who work for the economy will have the economy work for them, their families, and the planet too. This way of revitalizing communities by building community wealth has helped many communities all over the globe, and it is utilized by the UK labor party and touted by Jeremy Corbyn. Preston, Lancashire became the most improved city in the UK because of community wealth building. https://youtu.be/MObfh_VNqs4 Not to mention, much of the progress in labor rights has been due to union's collective power. The thing that draws my conviction to the movement is that I can see it now, helping empower people to live happier, healthier, and wealthier lives.
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  184.  @d33pblu3  What free market? All I see is markets rigged by capitalists from literally before the genocidal inception of the Homestead acts. Capitalism has always used government violence to create and protect private property. The point of cooperatives is to change ownership from private to social, by switching to social ownership it changes the coordinating environment and incentives to disengage from being debased by markets. By democratizing ownership through cooperatives and other institutions, more democratic ways of allocating resources can be developed that don't use market forces. Personally, I've been interested in two grassroots groups focused on economic democracy, called the Next System Project and the Democracy Collaborative. They have devised a way to keep production local and contract service to cooperatives, called the Preston Model. They have helped multiple cities struggling with job loss due to factory closures build back their communities, in the US and UK. In addition, trade unions, collectives, public banks, credit unions, community land trusts, CSA's, and many other democratically controlled institutions can work together to create democratic networks outside the market to create an economy that doesn't reduce people, their governments, and the environment to a monetary value (which market forces naturally do). I think this can be a viable strategy to give people the autonomy over their work. I believe economic democracy is the only way people who work for the economy will have the economy work for them, their families, and the planet too. This way of revitalizing communities by building community wealth has helped many communities all over the globe, and it is utilized by the UK labor party and touted by Jeremy Corbyn. Preston, Lancashire became the most improved city in the UK because of community wealth building. https://youtu.be/MObfh_VNqs4 Not to mention, much of the progress in labor rights has been due to union's collective power. The thing that draws my conviction to the movement is that I can see it now, helping empower people to live happier, healthier, and wealthier lives.
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  194.  @thetapheonix  What on Earth are you talking about with confiscation or buying oil land? Dude, it's a tax 🤦 The government doesn't have to buy the land/ resources or confiscate the land/ resources they just tax the value of the land/ resources, which leads to private stewardship and development, as well as socializing the value of land. Dude, this should have been obvious. Do you understand what Georgism is? It really looks like you ignored the whole part of my comment about increasing cooperative equity... I talked about democratizing asset inflation. UBI can help people take extra risks to start their own business or buy equity into a cooperative. You straightforwardly deny the fact that diverting money from corporations to the people would affect income inequality... It literally democratized income. Then you bring it up as if I didn't know about it or didn't spend time writing about it decreasing CPI inflation by allowing more people to benefit from asset inflation (that's a feature not a bug, not all inflation is bad). The question isn't about nominal inflation, it's about whether real wages and real asset inflation are growing. Alaska and Norway are very remote areas, this leads to high transaction costs which get passed on, it's weird disingenuous that you would ignore such an obvious aspect. I also think it's weird that you're ignoring the fact that Norway has one of the highest standards of living and happiness, which raises the question how much value do you place on happiness? You really couldn't google "taxes that decrease inflation"? Progressive income tax removes excess buying pressure from higher incomes, progressive consumption taxes can also do a similar thing. Land Value Tax puts extra pressure on speculators to develop it into something useful or put land on the market, this puts some more supply onto the market and increases the competitive forces within the real estate market. I honestly don't know if you understand, or are even reading, anything in my comments, because you seemed to talk right past me. If it looks like you're doing that again I'm just going to peace out.
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  230.  @MondoChow777  I understand the importance of owning the means of production... Hence why I'm a dirty Lefty. Started working and investing when I was 13. I opened my first high interest savings account at 10 and my Roth IRA at 20. Frugality only gets you so far because there's a baseline to your needs, investing in LLCs has limited downsides and unlimited upside that earns you more than just pinching pennies, those pennies pinched have to be invested. I'm not going to brag about my tech returns because it's distasteful and honestly it makes me sad that in order to get ahead most people can't rely on just wages, they need to own appreciating assets that subjugate other workers and debtors like they are subjugated themselves. Since we have few and slim safety nets in this country investing is very important for a base level of financial security. Ironically as a leftist I do in fact preach investing, but only because I know there is power in owning capital and I want more lower/ middle class people to benefit. Personally, my largest criticism of a lot of socialists / communists is that many eschew and don't understand finance/ economics, like using price controls that only foster a lack of supply. Understanding capitalism from the inside out has helped me identify specific inherent pieces of capitalism that should be critiqued, like systematic fiduciary and voting rights bias towards Capital. While also understanding important aspects of financial/ economic allocations and production that are necessary to contend with when thinking about the next system, like risk diversification and marginal utility. I hope that's enough examples for ya', cuz I ain't going to show ya' my portfolio, lol.
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  231.  @mvmlego1212  So many fallacies... Firstly you're missing the difference between private marginal value and social marginal value that leads to negative externalities. How do you expect me to believe this notion that "shareholders will value future consequences" when this post is literally about how Norfolk Southern did NOT do enough to prevent the accident... And the Obama era regulations to improve the braking system were repealed under Trump and not reinstated by the Biden administration. So that didn't really work out... almost like corporations lobby the government to make more profits. This is just one of many examples about how you're just wrong about reality. You're assuming people are rational actors- even for private marginal utility people still have "bounded rationality". You know we have behavioral economics now, right? Discount Cash Flow models place a heavier value on the short term because people have a time preference for returns sooner rather than later and the further into the future the higher the level of uncertainty. When investment banks do price targets for company stocks they use projections of the next 12 months of earnings to be a short term guide. Due to the fact that financial returns for shareholders are incentivized as the top priority for businesses they do what they can do to increase their stock price. CEOs are often compensated off of their performance related to quarterly and annual stock movement. They literally have all the incentives to think short term. Stop denying basic corporate concepts, it's no secret they have short term monetary incentives to increase the stock price.
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  275.  @DangRenBo  What makes you think I don't have actionable solutions? Personally, I've been interested in two grassroots groups focused on economic democracy, called the Next System Project and the Democracy Collaborative. They have devised a way to keep production local and contract service to cooperatives, called the Preston Model. They have helped multiple cities struggling with job loss due to factory closures build back their communities, in the US and UK. In addition, trade unions, collectives, public banks, credit unions, community land trusts, CSA's, and many other democratically controlled institutions can work together to create democratic networks outside the market to create an economy that doesn't reduce people, their governments, and the environment to a monetary value. I think this can be a viable strategy to give people the autonomy over their work. I believe economic democracy is the only way people who work for the economy will have the economy work for them, their families, and the planet too. This way of revitalizing communities by building community wealth has helped many communities all over the globe, and it is utilized by the UK labor party and touted by Jeremy Corbyn. Preston, Lancashire became the most improved city in the UK because of community wealth building. Not to mention, much of the progress in labor rights has been due to union's collective power. The thing that draws my conviction to the movement is that I can see it now, helping empower people to live happier, healthier, and wealthier lives. Preston was based on The Evergreen Cooperative, here how that's been; "In the 11 years since then, Evergreen Cooperatives has added three more cooperatives to its ranks, growing from two companies with a total of 18 workers in 2010 to five companies with approximately 320 workers. Those workers are paid 20 to 25 percent higher than employees at the cooperative’s competitors. “Our average pay rate is close to $15,” says John McMicken, CEO of Evergreen Cooperative Initiative. “But when you take profit sharing into account, which could equate to $4 to $5 an hour, we’re hoping that we have a shot at breaking the $20 an hour ‘blended rate,’ if you will.” In 2019, the average compensation at Evergreen Cooperative Laundry was around $18 per hour." - Despite a Rocky Start, Cleveland Model for Worker Co-ops Stands Test of Time, by Brandon Duong
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  276.  @Marqan  Even somebody who's self-employed, I was for 8 years, is still dehumanized by the market. People are commoditized by the market which means that they are treated as if they're humanness expendable- working directly for your customers for cash is still hyperrationalized and constrained by market forces. I'll give you two instances of how organizations can deal with downturns by caring about people or treating them as expendable. Firstly, cooperatives are a type of democratic business structure where everybody gets paid a wage but they are also entitled to the profits that they help produce and they have a say in how their workplace is run. Because cooperatives are run for the benefit of their members, they don't go and fire a bunch of people when a downturn happens; they look to take care of their fellow workers. When cooperatives democratically cooperate together they can more easily ride out downturns. Now on the flip side, while I wait for Social Security Disability, I have to live off of stocks. I own some GOOGL that's up almost 300%, with a recent boost to the share price being caused by them laying off 7,000 workers and then doing a $70 billion stock buyback. I mean, that's literally kicking out workers to pay shareholders. I don't know about you but the cooperative model seems like it values taking care of people more than taking care of capital. My perspective is that we, as a species, made a huge moral leap in the 1800's by pushing to start the abolishment of owning other people as property. The morally better option was to give people the right to self-ownership. Unfortunately ownership within capitalism still sets up power structures that allowed one group of people to rent another group of people. Humans within capitalism will be valued for their profit making input as human capital, not for their human spirit or the cheer that they bring to others- through the lens of a balance sheet a human is just a piece of property to be exploited like all other capital resources. In this we have succeeded in abolishing slavery, but we haven't succeeded in not treating people as property to be commoditized. The next step to becoming a more caring and conscientious species is to abolish the ability to rent humans, and instead legalizing cooperative determination as a standard in the socioeconomic sphere. Democratic self-determination is an economic Right just as it is a political Right. In fact, political democracy will be perverted without economic democracy to fund its integrity.
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