Comments by "3namechangezalowd Evry90dayzlernmor" (@3namechangezalowdevry90day7) on "More Perfect Union" channel.

  1. These are SCAM BOTS, not people! Read the comments below the setup post and click the profile photos! They do this same " oh do you know an advisor"--🤖 "oh I know her, she's the best"--🤖routine on multiple videos !!
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  2.  @kristincarr118  More kids= higher population (plus more mechanization)= more competition for jobs. More applicants drives down wages.
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  3. I got over 40 hours some weeks working fast food while in high school. Helped me save a lot of money. The dangerous thing was not the work place, but some of the a holes I worked with! Was pretty tired in class some times so of course the teachers thought I was on drugs, although I graduated high school early😂.
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  4. ​ @alejohernandez75 If you put CRAZIES and JUNKIES next door to hard working poor people, they'll wreck things for everybody else! Why'd the projects fail in Chicago the first time?
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  5. Exactly. Competition lowers wages. Plus, the USPS bought employees on credit in the past, with promises of pensions. Now. they're paying out their profits (and then some) to retirees who lived longer than estimated. That's why they've needed bailouts from taxpayers.
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  6. System works the same at your nearest HOSPITAL. But with a biohazard/ isolation room instead of a fry vat.
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  7.  @yrp237  Bitcoin is even more fiat than the dollar. No resources or taxable population to back up its value.
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  8. I've had jobs where I got no breaks and I sat down and ate my lunch at the end of the shift before clocking out. Work hard during your shift but never let them bully you into working off the clock. If they fire you, it's their loss. They'll have to pay two slackers to replace you.
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  9. False.401k was around in the 80s, plus many early retiree X and Millenials use it! 😊
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  10. " I's A reLatAble HomeGurrl from Roun' the way! I needs some help to invest this 189k !"--🤖 "Oh Hai, chica, jus so happens I know somebody"---🤖
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  11.  @tula1433  Circumcision has its pros as well as its cons and can be performed for religious reasons. Conservatives like religious freedom, right? Anyway, circumcision is nowhere near as drastic as a sex change. Like removing a hangnail versus amputating a finger.
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  12.  @argleblargle8083  Bussing tables in restaurants where beer and wine are served is different than bartending. The law needs to reflect that. Where do you think drunks go to eat after they've been hitting the bars all night? Fast food! So, yeah, the non- bar workers still have to deal with them!
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  13.  @artiecon97  You realize this is an Advisor scam thread, right? The point is for the AI generated bot comments to scare you into calling the advisor that someone "just happens" to have the number for.
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  14.  @Stephaniewashere  Unless you're making your own money, it's your husband's choice, not yours, whether you are his partner or his bit©#. If he decides to replace you with a newer model, what will you do? Live off child support, since working and financial responsibility is beneath you?
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  15.  @homosexualitymydearwatson4109 Some nights I'd get the leftover fries at closing, take them home, throw them in a pan with a couple eggs and have breakfast tacos. I was once fired for drinking a perfectly good leftover shake (customer changed their mind about the flavor). The supervisor argued that the company "couldn't afford" to give all the employees "free" shakes. They have a bogus sense of economics. The people that eat a leftover wouldn't have paid full price if that leftover wasn't there. Meanwhile there were guys there that had damaged equipment deliberately, groping other employees, etc that were still employed because it's all BS and office politics.
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  16. This is deceptive! A self employed person can set up a SEP IRA! ANYONE with income can set up an IRA, even if they have a 401k also.
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  17.  @paulradice3534  That aid was the estimated value of old military equipment . Would you rather have it handed to your local cops?
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  18. @nickns732  They took your spam warning comment down with their bot army!
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  19. @nickns732  They took your "spam warning" comment down with their bot army!
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  20. It'd probably result in mass evictions and property being sold off cheap.
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  21. Kids getting paid and getting work experience helps them and their working poor families. Do- gooder legislation is going to backfire and prevent working poor teens from saving money for college and working their way up. Job conditions need to be safe for ALL employees. Many adults are less mentally mature than some teens.
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  22.  @ChefBuckeye  The other thing you have to account for is AUTOMATION. Thanks to the smartphone, everyone's trained to select from a screen, interact with an app, etc. When businesses are required to go from paying $7.50 to $15, that's a big jump in expenses. A mandated wage increase makes a chatbot to take the calls or a self-checkout pay for itself (in saved labor costs) a lot faster.
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  23.  @ShawnC.W-King  It was Weiner (CA Democrat) who wrote laws that made it LEGAL for a 24 y.o. man and 14 y.o. boy to have $€x. So p doe $€x is ok with Dems, as long as it's done OUTSIDE of marriage?
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  24. "Punch in the face" is not "using NUANCE". Nuance is when there are degrees of something or extenuating circumstances. Child labor benefits employers but it also helps poor families be less dependent on handouts. Work conditions should be safe for all employees. Age is no guarantee of caution or mental maturity.
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  25.  @loridean177  Those apartments should require drug tests and steady employment. Otherwise, they'll become drug dens that aren't safe for kids!
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  26. @trinitymeadows691 This was already tried in the 60s. Look up the projects.
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  27. Dealing with drunks is the worst. I hope you were able to save some money for college. Work hard while you're on the clock but never let them bully you into clocking out and finishing. It's no different in the "career" world.
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  28. @Marynicole830  Politicians are not doing their part by breaking up monopolies to allow competition ( which leads to lower prices)! Last time was AT&T, and that was decades ago!
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  29. @FranciscoSalas33  Good advice, but you're talking to a financial advisor scam thread!
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  30. @yrp237  Cryptos are even more fiat than the dollar. No resources or taxable population to back up its value.
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  31.  @jaydenh5748  The parents have the legal right to make health care decisions for their child. Do you want the state to take over and assume the role of parent?
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  32.  @Reddfrogg  The personal is what you can CONTROL. For example, you don't control the weather or traffic, but setting your alarm good and early means you get to work on time 99% of the time. Not having any plan to deal with things ( because things that are outside your control exist)is a bad idea.
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  33.  @dioshiba6066 Seriously? Punching someone will get you thrown in jail (or in the emergency room thanks to someone defending themselves)! Jobs don't all have insanely dangerous conditions. A fast food or janitorial job isn't the same as coal mining. These are teens, not toddlers. They need to learn to cook and repair things. How are they going to learn to use reasonable caution and become independent if they're too sheltered and coddled to ever be let near a power tool, cleaning chemical, or a hot grill?
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  34.  @TheTapeandscissors  Also, gig workers can contribute $69,000 a year to a SEP IRA and invest it in whatever!
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  35. It works for the people who max out their 401k and IRA and don't chicken out when the market drops! It cuts your taxes BIG-TIME! 😊
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  36. 😂Relatable post to kick off a SPAMBOT THREAD!! 🐷🤖🐷🤖🐷🤖🐷🤖🐷🤖🐷🤖🐷🤖🐷🤖
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  37. ​ @NoorJari406 BOTS🤖!!!!
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  38.  @sarawilliam696  SURE... How "relatable"
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  39. @artiecon97  The OPPOSITE is also true. People who work hard, save and invest wisely graduate the work force in their fifties or forties.
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  40. @SenkaZver There's very, very little "stagnant money". Banks get paid by loaning out what you deposit. Someone who sold you that stock or bond is using your money to earn profit. If you want wealth, don't keep 'mattress money' that loses buying power to inflation!
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  41.  @katieblasingame4664 Who is going to hand you THEIR money so you can be secure? If you don't have time to research individual stocks then just "buy the market " through an index fund in a 401k or IRA (which drops your taxes).
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  42. @katieblasingame4664  Don't you understand the basics of buy low and sell high? When the whole market drops because of some external force, that means the STOCKS ARE ON SALE! Those factories, warehouses etc. still exist and are still worth something. If you're dollar cost averaging (same amount every month) you make money when those undervalued stocks regain their value. That's where indexing comes in. ONE business can be mismanaged and fail, but it's unlikely that the whole market will. The customers lost by one failed business go to another business.
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  43. This is false information! Gig workers can contribute $69,000 a year to a SEP IRA and invest it in whatever!
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  44. ​ @jackjustice2558 Exactly. Competition lowers wages. Plus, the USPS bought employees on credit in the past, with promises of pensions. Now. they're paying out their profits (and then some) to retirees who lived longer than estimated. That's why they've needed bailouts from taxpayers.
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  45. ​ @WilliamClemmer YOU'RE not familiar with the French Revolution. It accomplished little and, not too long after, Napoleon seized power and crowned himself.
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  46. ​ @brendans1593 The Postal Service is supposed to be self supporting.It's not. It has needed a ton of bail out cash. DeJoy is there to cut costs. Any raises will come from bailouts. Which you pay for.
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  47. @drewj4297  Higher population plus mechanization leads to more competition for the remaining jobs. Which leads to lower wages.
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  48.  @stupedcraig  Promising pensions is buying workers on credit! USPS needs taxpayer bailouts now because it can't afford all the retiree pensions.
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  49. @tissuepaper9962  USPS was supposed to be self supporting. US military isn't. Unless you want to legalize looting .
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  50. Stop watering the lawn. Harvest rainwater. Re- use bath, dish, and laundry water to flush the toilet.
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  51.  @mrbanana6464  Property owners pay PROPERTY TAXES every year on the buildings they own, (as well as income tax on the rent they charge). So the landlord is "renting from the state" and passing the extra expenses on to you.
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  52. That's not logic! " It's bad already so let's make it worse"??
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  53. Faster to get crumbs (as dividends) than as tax funded handouts from the government. Saves steps and less incentive to offshore. Remember, no tax on those cap gain and dividend "crumbs" for those in the lowest bracket!
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  54. "My landlord is poo"??? Watch that rent go up from 1300 to 1800 because you didn't have the brains to not complain on camera!
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  55. Well, then they'll be able to drop the retirement age back down thanks to the vapey obesies.
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  56. The Postal Service isn't making enough to stay in business without huge government bailouts. They haven't been solvent since 06.Those good wages took place in the days before competition from package delivery services and email.
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  57.  @TheRealEdStoner "She" will never have ANY emergencies because "she" is an AI generated setup post for a FINANCIAL ADVISOR SCAMBOT THREAD!
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  58. @JimVajda82  Good advice... but "she" is an AI generated setup post for a FINANCIAL ADVISOR SCAMBOT THREAD!
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  59. ⚠️ ⚠️$¢∆|\/| 80+$!!!⚠️ ⚠️
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  60. @jet4415   You know this is an Advisor scam thread, right? The point is for the AI generated bot comments to scare you into searching the advisor that someone "just happens" to know... 😂
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  61.  @LevityBrevity  Pretty sure if we "united" to say "screw it" as suggested, we'd fall!
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  62.  @sheepmaysafelygraze8360  Get a simple drip coffee maker (NOT KEURIG) and chip in for ground coffee. That same $15 will go a lot further.
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  63.  @bamzifier4474  1) A minimum wage increase is an EXPENSE to the employer, which is passed on to the consumer (inflation). 2) If a kid whose parent is disabled for instance, wants to work 40 hours a week and you limit it to 20, you just stole one of her boots while she was trying to pull herself up by her bootstraps! 3) Books are sold by and profit the PUBLISHER, although school book stores do a markup. School textbooks can be rented or borrowed from a classmate and scanned. Sometimes school libraries form networks and you can check out a textbook for your class from another university's library.
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  64. The irony is that the top comments are triple-name financial advisor SCAM THREADS! 😂
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  65.  @gammaboy4568  SB 145. Allows judges to use "discretion" on whether to make adults up to ten years older than a minor partner register as a sex offender or not.
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  66.  @paulrogers6037  Socialists don't want these guys. They want patriots who'll work their butts off at the factory/collective farm.
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  67.  @mich3134  People are risking their lives and everything they own to get here. Spend less than what you make. Use the resources around you to save money, whether that's funding a tax-deferred retirement account, gardening and foraging, or household hacks like re-using grocery bags as lunch sacks/ wastebasket liners.
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  68.  @nalgene247  The random comment removal bots must'a got him!🤖🤖🤖🤖🤖🤖🤖
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  69.  @DWN-079  Wages dropped due to foreign competition. Those post WWII days of prosperity happened because Europe's factories had been bombed to rubble and Asia and India were barely becoming industrialized. This made American goods in demand and wages were good in order to get enough workers to meet that demand.
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  70.  @dioshiba6066  Apparently YOU didn't watch the video, because the youngest example of workers they used was 14 year olds working in a meat packing plant in Iowa. The video even says most of these teens are working in restaurants, not construction, or warehouses. These are TEENS, not pre-teens. The argument is not that "teens are already allowed to work". YES, they are already allowed to work, but the hours of the day and the amount of hours per week they can legally work are arbitrarily limited. Blocking them from working is not going to force them to study. Keep in mind some of these teen workers are already dropouts with kids of their own to support. What they need to do is make high school classes online and flexible so that kids from the working poor can complete classes at their own pace on their days off. As far as workplace safety, that needs to be a thing to protect workers of ALL ages, not just teens. I don't know where you came up with that other melodramatic nonsense, but, no, someone who hires a teen or a pre-teen to do a chore is not as bad as a p doe. Nobody gets traumatized for life from mowing lawns!
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  71.  @dioshiba6066 I'd say you're random ranting, rather than debating. Seems like you're pretty short on facts and logic and trying your best to compensate through straw manning (hiring teens is the same as hiring pre-teens! people who hire teens are as bad as p does) and sheer verbosity, so, yeah, you better quit before you dig yourself a deeper hole. 🤓
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  72.  @dioshiba6066  "ok, loudmouth"? Sounds like the debate queen's got nothing left but an ad-hominem! Look, none of these proposals are instituting slavery. Those teens are not going to be working if they don't want to apply, or if their parents don't let them work. If someone WANTS to earn money and improve their situation, why block them? It creates needless dependency on government support.
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  73.  @GordonGangloff  Unlike Dioshiba, I'm not talking BS about how I'm through debating ( when no actual debating occurred) or how intellectual I am. if any of the assertions I made are illogical, or the facts they're based on are wrong, attack me on that, or don't call it a "debate". What's with your "you said TEEN so dat implies U a p doe" nonsense? If anything, your "logic" would apply more to Dioshiba, who keeps saying CHILD. I worked as a teen, 40+ hours some weeks. Yes, it was hell. I still graduated High School early and went on to college. Give me ONE good reason someone in my position should have been denied the opportunity to better my financial situation through working.
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  74.  @GordonGangloff  I'm not interested in getting false flagged for using what someone considers a dirty word. You guys define threatening to punch people as "nuance", graduation as "dropping out", and ranting and name calling while failing to answer any questions as "debating". So, Lord knows how many other made-up definitions you have that I'm " ignorant" of. 😃
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  75.  @dioshiba6066  Yeah, best to avoid "someone who just wants to harass someone over a disagreement", unlike a classy "nuanced" individual such as yourself who brags about threatening to punch people you disagree with?
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  76.  @dioshiba6066  As I said in my very first response, (which you've apparently forgotten everything about, except that it made you mad), "nuance is when there are degrees of something or extenuating circumstances." It's when there are subtle differences between one thing and another. Threatening to punch someone in the face because you don't agree with their political stance is NOT SUBTLE. That's not "using nuance", that's called making a terroristic threat. BTW, where's your white knight Gordon? Is it his day off?
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  77.  @dioshiba6066  This is some unintentional comedy you're doing here! You say anyone that's for bringing back child labor deserves to be punched in the face, then you say it's not a terroristic threat "becuz Nuance". Give me a break. Terroristic threats are not a good idea There was an idiot who got arrested for saying he was going to eat the governor of TX's heart. Stop your drama queening! Nobody is coming to enslave your pre teen kids and force them to work in the mines, so that the police would then consider you punching that slave driver "self defense". These are job opportunities that provide kids with a chance to earn money legally and learn skills! If they're denied the opportunity to get money legally, they're going to use that as an excuse and say "the system" was keeping them down so they "had" to steal and deal drugs! Do you want herds of young thieves running wild ( as seen in Chicago)? BTW, saying you're not going to talk to someone then throwing a Ted talk length fit is hypocrisy. Look that one up in Mirriam Webster's! 😃
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  78.  @dioshiba6066  First, you said that for me to give a definition of nuance off the top of my head using the term "extenuating circumstances" was "pulling a definition out of my a**" because "nuance has nothing to do with extenuating circumstances", then you went into a long list of EXTENUATING CIRCUMSTANCES to justify why someone who punched first wouldn't be taken to jail, "becuz nuance". Did you look up hypocrite yet? You don't have to hunt someone down and punch them for their political opinions in real life to get in trouble. Making a terroristic threat against an official can be enough. You could end up sitting across from a couple cops telling them " I din' mean it! Just an allegory and stuff, you need to read between the lines, bro".
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  79.  @dioshiba6066  Also, can you get back on the subject and quit dodging the main issue? How is it justified to deny a teen who can handle both work and school a chance to make money and better their life? How does it make sense for (mostly Democratic) politicians to give speeches saying teen thief herds ripping off convenience stores, etc., is justified by " lack of economic opportunity" and " lack of activities", and then restrict teens from working, which is both something to do and an economic opportunity?
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  80.  @GordonGangloff Yeah, much easier for you to name call and make up fan fiction about your political opponents being p does, but are you capable of answering actual questions? How is it justified to deny a teen who can handle both work and school a chance to make money and better their life? How does it make sense for (mostly Democratic) politicians to give speeches saying teen thief herds ripping off convenience stores, etc., is justified by " lack of economic opportunity" and " lack of activities", and then restrict teens from working, which is both something to do and an economic opportunity?
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  81.  @dioshiba6066  https://youtube.com/shorts/Keuq9Ew-5xo?feature=share
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  82.  @dioshiba6066 ??? Where'd your jibber jabber about "react vs respond" come from?" 😂 No, I understand the difference just fine. For example, you REACTED by becoming butthurt and crawling off somewhere because you couldn't think of a way to RESPOND to my last question; "How does it make sense for (mostly Democratic) politicians to give speeches saying teen thief herds ripping off convenience stores, etc., is justified by " lack of economic opportunity" and " lack of activities", and then restrict teens from working, which is both something to do and an economic opportunity? I'm betting you still can't.
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  83. The problem is, these people live on a planet, with other poorer countries and existing technology. The companies will start outsourcing and buying robots.
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  84. @TheTapeandscissors  This whole vid is Disinfo! Gig workers can contribute $69,000 a year to a SEP IRA and incest it in whatever!
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  85.  @TheTapeandscissors  This whole vid is Disinfo! Gig workers can contribute $69,000 a year to a SEP IRA and incest it in whatever!
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  86.  @LDrosophila  Whatever. They've been waking up to their Slayer cassettes for years. At noon. Because they're RETIRED!! 🤘🤘🤘
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  87.  @user-tb7rn1il3q  Probably not! That's where private health care with insurance middlemen comes in! Better do those pushups and eat that fiber!
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  88.  @GordonGangloff  Sounds like you're illiterate. " I GRADUATED high school early". Notice the key word graduated? Does success from hard work not fit your narrative?
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  89. The answer is, DON'T USE CREDIT IF YOU DON'T HAVE THE SELF DISCIPLINE TO PAY IT OFF AS SOON AS YOU BUY! If you know what you're doing, that 5% cash back is pretty cool.
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  90.  @lipsum42  Cash for retirement is what's needed. Investing inside a 401k gets you more CASH because your taxes are lower!
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  91. ​ @powertothesheeple5422 But you could be in the club, if you chose to work hard, save and invest!
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  92. ​ @Novusod How is investing within a 401k or IRA and getting a huge tax break a scam? If so, it's a scam that benefits YOU! 😂
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  93. ​ @nmize7623 That's why you do without luxuries, save and PLAN, so that when bad times hit you are "luckily" prepared! 😊
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  94. @nmize7623 That's why you do without luxuries, save and PLAN, so that when bad times hit you are "luckily" prepared! 😊
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  95.  DanielLeo-u2e  Gee Tee Eff Oh, SPAMBOT🐷🤖🐷🤖🐷🤖🤖🤖
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  96.  @Ek0  Medicaid is for the POOR, regardless of age.
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  97.  @TheCarnivoreSoprano  Not really. But making it so people had to opt out of 401k enrollment was a better step. People put off planning for the future if it involves paperwork and there's a signup window.
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  98. @stevepest4143  This policy is not unique to liberals. Trump's idea of de- taxing Social Security will bankrupt it faster.
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  99.  @bergamot333  If you're contributing, that's not a pension! Contribute! Save on taxes and take whatever that retirement plan is with you to your next employer!
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  100.  @maximemeis2867  If you need money, you have to take what work's available. People can't afford to stay home until optimal conditions are met.
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  101.  @ohiasdxfcghbljokasdjhnfvaw4ehr  401k becomes a rollover IRA you can take with you.
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  102. STOP TAKING OUR COMMENTS
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  103. Wow. Gorgototh? Nothing says trustworthy and professional like stanning for a Black Metal ray pest!
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  104. ​@PatrickFitzgerald-cx6io SPAMMITTY SPAM🤑🐷
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  105. The "one wage earner per family era of prosperity" was a brief moment in American History that was made possible because Europe's factories had been destroyed during WWII. Before that, everybody worked, unless they were members of the elite.
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  106.  @jogennotsuki  She's an awful person! She started her financial career as a fence for the Narcos Satanicos Pendejos de Coahuila back in the 2000's!
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  107.  @jogennotsuki  She's an awful person! She was a fence for the Narcos Satanicos Pendejos de Coahuila back in the 90's!
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  108. Rents would be higher if they didn't allow slumlords. Property values and property taxes go up every year. If mom and pop landlords can't raise rent to make up for it, they have to sell. This reduces the apartment supply and makes prices go up even more. Competition from vanlife and human doghouses ( AKA tiny homes) will force rent prices down. Either that, or the government will have to look the other way and allow coffin/ cage apartments like in Hong Kong.
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  109.  @DonaldMark-ne7se  🤦KICKING OFF ANOTHER ADVISOR SCAM THREAD WITH A "WISDOM QUOTE" ?
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  110.  @JacquelinePerrira  SPAMMMMM🐷🐷🐷🐷🐷🐷🐷🐷
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  111.  @Jamessmith-12  BBBOTTTTS🤖🤖🤖🤖🤖🤖🤖🤖🤖🤖🤖🤖🤖🤖🤖
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  112. ​@SenkaZverThere's very, very little "stagnant money". Banks get paid by loaning out what you deposit. Someone who sold you that stock or bond is using your money to earn profit. If you want wealth, don't keep 'mattress money' that loses buying power to inflation!
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  113. ​ @Crusadxr Get ANY job. Work hard so that you're not the one laid off when business slows down and spend less than what you make!
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  114. ​@SenkaZverGamestop was mass manipulation by outsiders.
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  115. ​ @amzarnacht6710 That's being melodramatic. Yes, loopholes exist, but we have a progressive tax system where the poor may actually MAKE money on their tax return due to credits and the lowest bracket pays 0% on Cap Gains.
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  116.  @Thinginator  How would that work? How would advertising for jobs that didn't exist allow workers to be paid less?
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  117. Projects are not " new, from Finland!" They're an OLD idea that already failed! What happens when you stick CRIMINALS, CRAZIES and JUNKIES next to the working poor? Let's try it again! Last time, the kids of single mothers formed gangs, but maybe it'll be different this time?
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  118. "RELATABLE" SETUP POST=TRIPLE NAME ADVISOR SCAM SPAM!!
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  119.  @katieblasingame4664  FALSE! You just set up an IRA at your bank, credit union or investment firm . Pick a low cost Stock index fund and and a low cost bond index fund. Do the same with your 401k at your employer. Set up automatic contributions. DONE!
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  120.  @princetonscholar5723 Depending on Social Security alone is risky because of the ratio of young workers compared to retirees and disabled. Taking risk in another area such as stocks and bonds or real estate actually REDUCES the overall risk. It's called hedging your bets!
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  121.  @bria2596 Advisor scams usually kick off with relatable life situations or wisdom quotes designed to get a lot of thumbs up from people not paying attention! That gives them "social proof" that makes them look legit!
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  122.  @princetonscholar5723 LIFE is risk based. Do nothing with your money and you risk losing buying power to inflation. If you don't have time to research stocks then just "buy the market " through an index fund in a 401k or IRA (which drops your taxes).
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  123.  @katieblasingame4664  Don't you understand the basics of buy low and sell high? When the whole market drops because of some external force, that means the STOCKS ARE ON SALE! Those factories, warehouses etc. still exist and are still worth something. If you're dollar cost averaging (same amount every month) you make money when those undervalued stocks regain their value. That's where indexing comes in. ONE business can be mismanaged and fail, but it's unlikely that the whole market will. The customers lost by one failed business go to another business.
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  124.  @katieblasingame4664  What's your better plan, then? A Ponzi scheme where current workers pay retirees needs an ever-expanding population to work.
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  125.  @princetonscholar5723   A Ponzi scheme where current workers pay retirees needs an ever-expanding population to work. That's not guaranteed, so best to hedge your bets!
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  126. @katieblasingame4664  What's your better plan, then? A Ponzi scheme where current workers pay retirees needs an ever-expanding population to work.
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  127.  @123lowp  You can buy regular non-ETF index funds from Fidelity and Vanguard, too. Once you have over a certain amount in a fund, Vanguard lowers their expense ratio for your shares of the fund.
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  128. "Do they add value to our lives"? YEAH!! The Cap1 Wal Mart card gives me 5% cash back on all pickups and deliveries. I have it set up to pay monthly, but I usually pay it immediately after the goods arrive. You have to be VERY CAREFUL with the 3rd party sellers on WalMart's web site, though!! Sometimes the wrong goods arrive or they don't arrive at all.
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  129.  @MrChristianDT  Surrogate motherhood SHOULD be banned. It"s pr0stitution and exploitation.
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  130.  @IhaytFukkingsocialmedia  Those babies that were saved will grow up to work and fund your Social Security. Social support programs will fail unless there are more people paying in than receiving handouts.
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  131.  @ragemonster4277  It's the other way around. The ex- party animals that got pregnant or got the GF pregnant drop out and then they work. They resent someone that's working to save for school, and employers prefer them because they're desperate and available 24/7, unlike the student worker.
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  132.  @IhaytFukkingsocialmedia  A kid that was aborted is never going to grow up and work and pay taxes. Not enough tax revenue means things like Social Security, Medicare/ Medicaid/ Obamacare get cut. Even China has changed its tune and now wants all females to have 3 kids.
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  133. Wages are only one of a company's expenses. Many other factors affect pricing.
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  134.  @bradchristy8429  Companies know to start increasing prices BEFORE mandated wage increases go into effect. So there's not a direct jump in prices right after every salary increase. There would have to be a decrease in the cost of either raw materials or shipping in order for the cost of a wage increase to not get passed to the consumer.
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  135. ​ @Surrealitivity No way. She needs a real job.
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  136. ​ @standdownrobots_ihaveoldglory HELL NO! Didn't you watch the vid! You think their problem is they're bored cause it's not " interesting"? 😂
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  137.  @marcushill7070  There was a very nice cashier at one CVS I used. She had a big book of coupons she had clipped herself and would give them to you! Years ago they had lots of free after rebate things for back to school you could buy and then donate.
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  138.  @ibrahimkayikci2146  Yeah, they should put an NP there if they want someone writing scrips in house!
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  139.  @drewj4297  Population is still growing. just at a slower rate than in the past. USA population also grows due to immigration. Mechanization is real. The latest round has been the replacement of storyboard and background artists and writers with AI. Telecommunications have also improved, allowing businesses to outsource clerical work.
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  140.  @drewj4297  There are different classes of immigrants. The "brain drain" (medical staff, engineers) ARE able to buy houses pretty quickly because they're paid well and used to a frugal 2nd or 3rd world lifestyle. The underclass pack into substandard housing to save money.
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  141. @IanJohnson-t4r Well, which do you want? Do you want them to phase out the pensions and keep going or what? They'll pretty much have to if the government quits bailing. If they ceased to exist Fed Ex would cost more because they'd have to assume the cost of the unprofitable routes, plus, they'd be a monopoly.
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  142.  @MyToxicMasculinity  I don't like the "I don't dream of labor" artiste crowd (that aspire to be kept as pets by the government while pursuing their hobbies), either, but it's NOT EVERYBODY! This situation concerns WORKERS. There needs to be some sort of safety net (not a hammock) to prevent people from falling through the cracks.
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  143. @IanJohnson-t4r  Censorbots are the worst! I heard there are actually broke Kenyans making $2 an hour to train them! Trollies are a part of the ecosystem and should regularly be fed tasty knuckle sandwiches!
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  144. @IanJohnson-t4r @IanJohnson-t4r  Censorbots are the worst! I heard there are actually broke Kenyans making $2 an hour to train them! Trollies are a part of the ecosystem and should regularly be fed tasty knuckle sandwiches!
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  145.  @MyToxicMasculinity  On some level we'd ALL prefer that hammock, right? To get paid to do what we love, only when we feel like doing it? These are not the guys in the hammocks, though. These are the guys driving little open trucks around in all kinds of crappy weather dealing with crazies. And there's not enough $ for their pensions, when that's why they signed up for the chore!
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  146. @IanJohnson-t4r  Censorbots are the worst! I heard there are actually broke Kenyans making $2 an hour to train them! Trollies are a part of the ecosystem and should regularly be fed tasty knuckle sandwiches!
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  147.  @MyToxicMasculinity  Wow! Your vehicle was LARGER, therefore you win the thingie measuring contest!👍😂🤣 (Meanwhile the mailmen probably think you're a wuss because your cab was heated/air conditioned! ) Your company PAID you to drive, right? If they promised you X amount of pay and however much bonus or raise and then they changed it, you wouldn't be happy. You'd be like the mailmen.
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  148. Pres. GW Bush thought home ownership would reduce crime. Govt. agencies FMAC and GNMA giving out loans to people with poor credit is part of what led to the crash of 08.
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  149.  @trixiemcfly8584  Yeah. but it's probably packages and routes that wouldn't be cost effective for Amazon to do themselves! So, taxpayers are bailing out USPS and USPS is helping out Amazon!
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  150.  @KirksCORNER1983  Are you nuts? Do you want Fed Ex to have a monopoly and charge whatever? Plus, Fed Ex is privately owned, so if they don't feel like driving 20 miles down a dirt road to bring grandma her eye drops, they don't have to.
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  151. @tissuepaper9962  No,they were set up to be self supporting.
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  152.  @trixiemcfly8584  USPS is probably delivering the stuff that it's less profitable for Amazon to do.
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  153.  @jon9103  Great. But you still need to save for retirement, so why not do it inside the 401k and cut your taxes?
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  154. I SMELL ADVISOR SPAM!!!!
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  155. "Come, I will make you bottom-feeding cat fishers of suckers"--the Spam God
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  156.  @JanSolomon42  You're replying to an Advisor Spam Thread!!!🤦
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  157.  @LangdonDinkins  "Come, I will make you bottom-feeding cat fishers of suckers"--the Spam God
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  158.  @jokerpilled2535  Ok, so why are they STILL coming if it's so bad?
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  159.  @jokerpilled2535  They have cel phones and social media to see how we live and relatives/friends here that tell them. Your "bad" is their " way better".They see us as coddled and lazy.
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  160. Get a roommate to cover the rent. Save every penny toward land.
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  161. ​ @TQFMTradingStrategies MORE THAN 75% OF NEW BUSINESSES (AND PLENTY OF MARRIAGES) FAIL! I'll take low expense ratio index funds in a tax deferred account! 😊
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  162. ​ @Boris80b So? They can also have an IRA, HSA and a regular taxable account.
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  163. @douglashogg4848  "Professional expertise" UNDERPERFORMS just buying an index fund or two.
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  164.  @ellaaysun6181  So
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  165.  @YaxelBurone  Sick
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  166.  @GobinderLuymes  SCAM
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  167.  @LuuzbelitoPirogovsky  BOT
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  168.  @ryancihet555  These are SCAM BOTS, not people! Read the comments below the setup post and click the profile photos! They do this same " oh do you know an advisor"--🤖 "oh I know her, she's the best"--🤖routine on multiple videos !!
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  169. "RELATABLE" SETUP POST=TRIPLE NAME ADVISOR SCAM SPAM!!
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  170. 🎵TRIPLE NAME ADVISOR🤑SPAM,🐷 SCAMMY SCAMMY SCAMMY SCAM🎵
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  171.  @bittiebee  I worked 40+ hours some weeks while in high school. GPA could have been better and I fell asleep in class some, but I still graduated early. It's hard but it can be done. Pre-teens working are generally illegals that are debt slaves of the cartels. If they didn't have agricultural jobs they'd be put to work as drug dealers and h00kers to pay their debts.The LESSER evil is better than the GREATER evil. Restrictions on the hours USA teens can work won't help illegal migrant kids because the illegals work using adult USA citizens' social security numbers.
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  172. These guys want to have their cake, eat it too, and not gain any weight! They want things to be "all natural" but sheep and cattle cause pollution, cotton takes a lot of water to grow. And somebody has to be exploited to pick it in order to get the final product to market at a price people will pay. The consumers voted for abundant cheap crap. They don't want a benevolent overlord regulating things and issuing their uniform.
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  173.  @JacquelinePerrira  🎵  TRIPLE NAME ADVISOR🤑 SPAM🐷! BOTS🤖 ARE COOKIN' UP A SCAM! 🎵
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  174.  @kevinmarten 🐷🐷🐷🐷🐷 SPAM🐷🐷🐷🐷🐷
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  175.  @JacquelinePerrira 🤖🤖🤖🤖 BOT🤖🤖🤖🤖🤖
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  176. ​​ @hexlensespectacles "No restrictions on what the politicians can do" is a DICTATOR. WHY would you want that?
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  177.  @hexlensespectacles  Politicians' actions not being limited is a dictatorship. WHY would you want that?
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  178.  @chocolatecaramel4447  How is that false? Money is loaned into existence. A higher prime rate dries up the money supply.
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  179.  @greevar  You're describing communism, though.
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  180.  @Aaron565  The worker takes a risk that the new company won't go under. Most do. Meanwhile, long term capital losses (on stock that has depreciated) can be DEDUCTED against the investor's yearly income on taxes!
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  181.  @Aaron565  Hey, nobody was born educated. Their 401ks' mutual funds' expense ratios are supposed to cover the cost of client education.
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  182. . Their 401ks' mutual funds' expense ratios are supposed to cover the cost of client "education." All that's provided is a sales pitch for MANAGED FUNDS which are more expensive and perform poorly long term as opposed to lower expense ratio index funds .
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  183.  @katieblasingame4664  This vid is false information! Gig workers can contribute $69,000 a year to a SEP IRA and invest it in whatever!
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  184.  @w.p.h.7843  He's right about minimum wage and OSHA, though. The only reason housing isn't more unaffordable is because it's built and maintained by illegals, who work cheap and can't sue for injuries because they don't want to be found and deported. As far as HOAs, cities could pass laws limiting HOAs' ability to regulate. Homelessness is a government-created problem. People in 3rd world countries build themselves shacks from scrap on public land.
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  185. Fish and garden.
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  186. This is why being a housewife is the biggest gamble. At least this guy had a few quarters of income for SSAdmin. to average!
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  187. ​ @AnonymousAnarchist2 That's completely backwards. "Free money"from UBI, etc. is blown by shoppers, which drives up inflation! Money saved or invested builds up the economy because banks lend it out and pay the depositors some of the interest! If you have the self discipline to save and invest those "evil corporations" will be paying YOU dividends and capital gains!
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  188. @VivaciousOM  That's true. The full retirement age is increasing as it was scheduled to way back in 1983.
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  189. A pyramid scheme is where the person at the top makes a cut of the profits from those directly under him, they make a cut of the profits from the people under them,etc. So Spotify wouldn't qualify. Although it may be unfair that the smaller artists don't get paid unless they're above a certain level, this is the standard for ALMOST ALL technofeudalist media platforms. And when has the music industry ever paid everybody a " living wage"?
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  190. @coolben854 Ooo
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  191.  @face2lune  whatever
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  192. But nothing educates you on the system like working in high school! All jobs ( including "careers" ) are fast food, and all work environments are high school.
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  193.  @DOMiNOUKAE  Gen X and boomers WORKED as teens. Some mowed lawns and delivered newspapers as pre- teens.
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  194.  @francismarion6400  You can get laid off if your place of business closes or your job gets outsourced. Not everybody's a slacker and not even the slackers' kids deserve to starve. Maybe things could be modified so that some mandatory volunteerism comes with the handout. Clean up the park or take care of the dogs at the pound, for example.
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  195.  @Phenomena7  How are you going to protest Supply and Demand? The POPULATION is higher than in the 50s. You could protest corporate landlords, but good luck with that because they have some very deep pockets. Last election, Black rock donated to Harris while endorsing Trump.
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  196.  @CharlotteJacobsons  Oh
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  197.  @claireNymans  I saw Ms. Reeves has an only fins account where she does vile things with salmon! There's certainly no shame in her game!
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  198. RELATABLE" SETUP POST=TRIPLE NAME ADVISOR SCAM SPAM!!
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  199. @nickns732  I's A reLatAble HomeGurrl from Roun' the way! I needs some help to invest this 189k !--🤖
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  200. @nickns732  I's A reLatAble HomeGurrl from Roun' the way! I needs some help to invest this 189k !--🤖
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  201. @nickns732 " I's A reLatAble HomeGurrl from Roun' the way! I needs some help to invest this 189k !"--🤖 "Oh Hai, chica, jus so happens I know somebody"---🤖
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  202. @JimVajda82  Good advice... but "she" is an AI generated setup post for a FINANCIAL ADVISOR SCAMBOT THREAD!
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  203.  @JimVajda82  Good advice... but "she" is an AI generated setup post for a FINANCIAL ADVISOR SCAMBOT THREAD!
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  204.  @CharlotteJacobsons ⚠️ ⚠️$¢∆|\/| 80+$!!!⚠️ ⚠️⚠️ ⚠️
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  205. @jet4415  Great advice but make sure you invest INSIDE an IRA or 401k to drop your taxes. At least get a stock index fund because they offer LOW expense ratios and built in diversification. Bonds alone might keep up with inflation but they don't offer much real growth.
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  206. ​ @yrp237 Nope. Bitcoin is fiat AF without even a nation with resources and a taxable population to back up its value!
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  207.  @reversefulfillment9189  Have you considered how people would act when they didn't get the money they were owed, including wages? Anybody that advocates for " law of the jungle" has delusions of being Tarzan.
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  208.  @reversefulfillment9189  , have you considered how people would act when they didn't get the money they were owed, including wages? Anybody that advocates for " law of the jungle" has delusions of being Tarzan.
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  209.  @mysticlegion8088  Not narcissism. PSYCHOSIS.
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  210.  @stus2159  Competition keeps wages low.
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  211.  @sheepmaysafelygraze8360  Max out your IRA and 401k. Make sure he maxes out his IRA. It'll cut your taxes. Pensions can be phased out and eligibility ages can be raised.
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  212. So, you're worried sick about a teen getting a grease burn at Mc Donald's, but a baby old enough to feel pain getting it's limbs cut off and its skull pierced, then crushed isn't a big deal? You've successfully proven that you have even less logic than you have morals.
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  213.  @gameseeker6307  I am. Nothing ethical about baby killing.
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  214.  @gameseeker6307  I am. Nothing ethical about baby killing.
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  215.  @michab.r.1854  Having teachers endorse p€rvert€d sex to teens and pre-teens is a "non issue" to you? You could care less if a baby old enough to have developed a nervous system and feel pain has its arms and legs cut off and it's skull opened up, suctioned out and crushed. So when you boo-hoo about some teen helping their family pay the bills by working, it just shows how hypocritical and morally bankrupt you are.
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  216.  @ChefBuckeye Hey, I'm not saying a normal circumcision under sterile hospital conditions is necessarily a good thing, or that there are no negative consequences. I'm saying it's so much less drastic than "digging a hole" (and then turning the former penis inside out and suturing it into that incision to create a "vagina"), that there's not much of a comparison.
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  217.  @elevatedaspirations  It does have its pros. Less places for the germs to hide. Didn't say it was a good idea for everybody, just said (for the third time) that when compared to a s€x change operation, it's not that big of a deal.
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  218.  @elevatedaspirations Ok, I get that you're a fanatic "activist'" type, which gives you high "natural immunity" to facts and logic, but I'll break it down for you. If someone has healthy, unbroken skin, that acts as a BARRIER to germs. If someone has non-healing wounds (a diabetic, with poor circulation,for instance), that extremity might need to be removed to a point further up the limb where circulation is better and the limb can heal, especially if gangrene has set in. Limb amputation is not a good comparison to circumcision. If someone is not circumcised and does not clean themselves adequately, dead skin cells collect under the foreskin which provides an ideal environment for bacteria. This can lead to your wife getting a UTI, which can turn into a kidney infection. If not treated, this could lead to death. Antibiotics for treatment were not available in the olden days, which is partly why circumcision is traditional. For the FOURTH time, I'm not saying circumcision is a good idea for everybody, I said it is not a big deal when you compare it to a non-medically necessary, much more extreme procedure, like a s€x change operation.
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  219.  @dontliebehonest6545  Live frugally and save your earnings for college. Most of these teens are living with Mom and Dad, so provided that they're not having to chip in for rent, their living expenses should be pretty low. Second, before finishing High School, apply for as many grants, scholarships, etc.as you can. See if there are any AP courses you can take while in High School that will earn you college credit for free. Also, see how many required courses you can test out of , just for the price of the exam fee. If you're applying for a scholarship based on need, it might be to your advantage to keep your savings outside of a bank so that it doesn't count against you. Then, once you're in college you may qualify for a work study job where you're doing next to nothing ( checking supplies in and out, for example) so you can study on the clock. Record your classes and listen to them during your commute.
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  220.  @missnoneofyourbusiness  I don't get what you mean by " force themselves into the bodily autonomy of a child"? Exactly what type of autonomy are we talking about here, and shouldn't the age of autonomous decision be related to the risk? A person old enough to consent to $€x should be old enough to consent to marriage. $€x has the potential to be more detrimental than drinking alcohol, yet the drinking age is 21, because " kids can't handle the peer pressure and make good decisions". Tattoos can be lasered off, bad jobs can be quit and bad spouses can be divorced, but the effects of artificial hormones during puberty, let alone ca$trati0n/ hysterectomy are irreversible.
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  221. BS propaganda. If it was as simple as tax the rich and build projects, homelessness would have been solved by 1970.
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  222. Wow. Gorgototh? Nothing says trustworthy and professional like stanning for a Black Metal ray pest!
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  223. It's ironic how these guys get that 'swipe fees" get passed to the consumer...but then turn around and complain that the "price gouging grocery chains with their record profits"should be TAXED more...as if that WON'T be passed to the consumer!😂
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  224. Pre-teens working are generally illegals that are debt slaves of the cartels. If they didn't have agricultural jobs they'd be put to work as drug dealers and h00kers to pay their debts.The LESSER evil is better than the GREATER evil. Restrictions on the hours USA teens can work won't help illegal migrant kids because the illegals work using adult USA citizens' social security numbers.
    1
  225.  @killertruth186  Bussing tables in restaurants where beer and wine are served is different than bartending. The law needs to reflect that.
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  226. So, you're saying black lung bad, so ca$trat!on and hormones good? Also it was Weiner (CA Democrat) who wrote laws that made it legal for a 24 y.o. man and 14 y.o. boy to have $€x. So p doe $€x is ok with Dems, as long as it's done OUTSIDE of marriage?
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  227.  @Theanimeisforme  Politicians' alleged religions are beside the point! Fake Catholic Biden supports abortion and $€x changes for minors. A recent WH event with kids in attendance featured a post surgery M-->F t®@ns doing a topless dance. Scott Weiner (CA Democrat) wrote laws that made it LEGAL for a 24 y.o. man and 14 y.o. boy to have $€x. So, p doe $€x is ok with Dems, as long as it's done OUTSIDE of marriage?
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  228.  @Krill_all_health_insuranceCEOs  So, exploiting minors for s€x is ok as long as it's done OUTSIDE of marriage? Because marriage and the family unit is the REAL "problem" for " progressive" Democrats?
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  229.  @argleblargle8083  There should be ONE age of majority at which the child becomes an adult and can then drink, smoke, mate, join the armed forces, etc. Since s€x results in offspring, I would favor the age of majority/ consent to be at least 18 so that the person would have the mental capacity and the earning potential to care for their children. S€xual activity has the potential to be more detrimental than alcohol but the drinking age is 21. I would have no problem with a ban on minors working in bars, especially $exually oriented bars and in "breastaurants" such as hooters. I don't think waiting tables in a family restaurant where beer and wine are on the menu is that much of a problem.
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  230.  @gammaboy4568  Yeah, but " Romeo and Juliet "were BOTH underage. The Weiner bill addresses ADULTS who go after those who can't legally consent. What's the problem with adding to the offender list so that others can be forewarned? Don't CA's computers have enough memory?
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  231.  @Krill_all_health_insuranceCEOs  So, you think it's ok for a legal adult and a 16 yo to hook up but MARRIAGE is the problem? If you're old enough to consent to $€x, you should be old enough to consent to marriage, which traditionally came BEFORE $€x. Also, since $€x produces offspring and relationships often don't last, a person over the age of consent should be able to work full time so that the offspring are provided for. Random hookups, no marriage and reduced work hours is a recipe for a multi-generatiinal welfare state!
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  232.  @bleepbloop101010101  The point is, CA could have made things equal by putting ALL the k!d-diddl€r$ on the registry, but no, they thought more "discretion" AKA ignoring the problem was the way to go! What's your problem with marriage, anyway? Sounds like you're ok with teens $cr€wing around but responsibility and committed relationship bad!
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  233.  @gammaboy4568 This isn't "rocket surgery"! Put ALL the offenders' names on the list, next to each name, put what the perp did. Then, make the list PUBLIC and let the public be the ones to use discretion! Then, if the public want to treat the guy that married his 13 year old cousin 50 years ago but hasn't done anything since different than the guy that impregnated his step daughters, it's up to them.
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  234.  @Krill_all_health_insuranceCEOs  Ok, trollie, let's try this again. This is not about whether you knew what you'd like to do with your junk at 16 (as you keep saying). This is about RESPONSIBILITY for your actions. Taking it back to the subject of "child" labor, could you have provided for a kid at 16? While going to school? What about a second kid at 17? Sounds like you think the "mommy state" should pay your bills for life (and provide for your offspring) while you sit around doing what you want with your junk? There's nothing wrong with a "safety net" for the injured, aged, insane, etc. But if that system becomes a "hammock" for the able bodied, the whole welfare Ponzi scheme falls apart because there aren't enough WORKERS that can be taxed to support the non-workers.
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  235.  @DawnDavidson  Are you going to take the teens' driver's licenses too? There are drunks out on the road at same time as teens ALL THE TIME, because to a drunk, '" it's 5:00 somewhere".
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