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Read the rules in the OP before posting, please.In order to ensure that this thread continues to meet TL standards and follows the proper guidelines, we will be enforcing the rules in the OP more strictly. Be sure to give them a re-read to refresh your memory! The vast majority of you are contributing in a healthy way, keep it up! NOTE: When providing a source, explain why you feel it is relevant and what purpose it adds to the discussion if it's not obvious. Also take note that unsubstantiated tweets/posts meant only to rekindle old arguments can result in a mod action. |
On October 28 2016 06:22 KwarK wrote:Show nested quote +On October 28 2016 06:21 Plansix wrote:On October 28 2016 06:18 KwarK wrote:On October 28 2016 06:16 Nevuk wrote: LOL you can't donate plasma every week of your life. And yet people do. All the time. Years and years of it. The money adds up crazy fast. The logistics behind doing that and having the donation centers not catch on is sort of breaking me right now. What? They encourage it. Plasma is twice a week. That's the normal amount. They tell you to do that. Ah, that is very different from donating blood, my bad.
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One of the reasons voters have trust issues with Clinton: her team seems to be polling what is most popular but also practical, take a stand while also not taking a position.
The WikiLeaks emails reveal a Hillary Clinton campaign team fixated on climate change — yet reluctant to make overly sweeping promises about what they’d do about it.
Campaign chairman John Podesta’s hacked inbox offers a veritable road map to the energy policy that Clinton would execute in the White House, as well as clear lessons to the environmental and industry groups that are getting ready to lobby her administration if she wins. And climate change and related issues feature prominently in the approximately 25,000 messages WikiLeaks has released so far from Podesta’s account.
“Climate change” comes up in more than 1,200 of the emails released as of Friday, or more than Obamacare and the Islamic State of Iraq and the Levant combined — and almost as many as the 1,444 emails that mention the name “Sanders.”
Clinton’s energy proposals have produced fewer easy sound bites than Bernie Sanders’ call to ban fracking or Donald Trump’s promises to put coal miners back to work. But the hacked emails, dating from before and after Podesta joined the campaign after serving as a senior adviser to the Obama White House, show Clinton’s team to be as driven by policy details and the power of pragmatic messaging as the candidate herself — while grappling with the contradictions inherent in a campaign year when grandiose promises are more popular than realistic proposals.
Taxing carbon polls horribly, her advisers fret, but politicians will need to get behind some climate plan to drastically reduce carbon output. Natural gas has spurred jobs and exports, but it produces methane pollution that cries out for regulation. The federal ethanol mandate is arguably failing to deliver its promised gains for national security and the planet, as one aide wrote last year, but calling for reform too loudly risks losing support in corn country.
And Clinton’s team think it’s deeply unrealistic to call for a quick end to oil drilling, as some green groups and Sanders supporters demand — but it’s also fanciful to think that the current U.S. oil boom should continue indefinitely.
Several threads in the emails also detail the choreography Clinton’s aides engaged in before she revealed her long-planned public opposition to the Keystone XL oil pipeline last year.
Among the biggest themes contained in the emails: Like Obama, Clinton wants the left to push her.
President Barack Obama accepted his nomination for reelection in 2012 with a call for “shared responsibility,” effectively reminding liberals dissatisfied with his record at that point that it was their job to lobby him in their direction. Green activists listened and kept pushing. They cheered as Obama sloughed off the “all-of-the-above” energy rhetoric of his first term and spent significant political capital on global warming, from regulations on power plants to the recently ratified Paris climate deal.
The Clinton team whose private discussions WikiLeaks is dragging into public view appears in the mold of Obama, wary of unrealistic proposals from the left but ready to engage with critics who want more.
The presidential front-runner’s private quip that anti-fossil fuel activists should “get a life,” seen in context, reads like more of a rejoinder to remove their heads from the clouds than a personal slam.
Source
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On October 28 2016 06:31 LegalLord wrote: It's perfectly possible to live quite reasonably with an even more extreme situation, like living on minimum wage in NYC, LA, or SF, if you're good with finances.
Problem is that most people who are good with finances don't stay that poor for very long. Selection bias plays a role here.
you mean like living in jersey city? but even then why would you go into nyc to make only minimum wage?
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United States41982 Posts
If everyone tried to help themselves in the exact ame way then it wouldn't work so nobody should try to do anything. - Igne
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United Kingdom13775 Posts
On October 28 2016 06:33 IgnE wrote:Show nested quote +On October 28 2016 06:31 LegalLord wrote: It's perfectly possible to live quite reasonably with an even more extreme situation, like living on minimum wage in NYC, LA, or SF, if you're good with finances.
Problem is that most people who are good with finances don't stay that poor for very long. Selection bias plays a role here. you mean like living in jersey city? but even then why would you go into nyc to make only minimum wage? Basically if you're a recent immigrant and for no other reason whatsoever. Nevertheless it's perfectly doable.
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There is literally no way for me to donate plasma twice a week without losing like 4+ hours to doing it. I already have an hour commute as it is. I already own this house thing that takes up a lot of my time and I like to write.
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part of the problem with these hypothetical scenarios is that while they are possible in theory, socially constructed personhood in the United States requires a certain amount of affluent consumption. even if you were living in nyc or san fran on minimum wage "successfully" it would be very difficult to have time or the resources to do anything but go to work and come home while eating some of the cheapest food there is, dressed in the cheapest clothing, etc. and barring a few upper class voyeurs/poverty adventurers who spend a few years slummin it before returning to the upper middle class, if you are successfully living on minimum wage in those places it is a precarious existence with no exit in sight.
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United States41982 Posts
On October 28 2016 06:36 Plansix wrote: There is literally no way for me to donate plasma twice a week without losing like 4+ hours to doing it. I already have an hour commute as it is. I already own this house thing that takes up a lot of my time and I like to write. Sure, you allocated the time to living somewhere other than where you work and writing and that's fine. You don't have to make my choices. Just don't deny that you had choices, claim that the system is rigged and then take your luxuries for granted. That's all I ask.
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On October 28 2016 06:31 Mohdoo wrote: I also think the idea of giving plasma as a necessary part of income is completely insane. I did not go to college to live like that.
I believe the point Kwark is making with the plasma donation example isn't that you should be donating plasma to raise your discretionary income. But rather it is simply a tangible example of one thing people can be doing to raise their discretionary income if it really matters that much to them. His point being that people have more control over it than they think they do. They just make certain choices, either consciously or taken for granted, to give up some amount of discretionary income because they value something else. Which is fine, it's just that someone in that situation should be aware that they are making such a tradeoff and are more in control of their financial situation than they believe with those choices available to them.
On October 28 2016 06:31 Mohdoo wrote: These people are not likely to be living in a low crime, nice neighborhood. My underlying assumption here is that if someone goes to college for something useful, they should be able to live in a nice area and not have to give plasma every week. That's a completely different argument. Whether someone who earns a college degree earns what they "deserve" is not really related to the argument Kwark is trying to make.
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Yup ultimately you don't need to donate plasma but you do need to be quite stingy. It's doable but requires a lot of sacrifice and discipline, is it worth it for some 30 years down the line? Maybe. Speaking for people with relatively low incomes btw, if you are earning over median there is no excuse not to save/invest.
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On October 28 2016 06:39 IgnE wrote: part of the problem with these hypothetical scenarios is that while they are possible in theory, socially constructed personhood in the United States requires a certain amount of affluent consumption. even if you were living in nyc or san fran on minimum wage "successfully" it would be very difficult to have time or the resources to do anything but go to work and come home while eating some of the cheapest food there is, dressed in the cheapest clothing, etc. and barring a few upper class voyeurs/poverty adventurers who spend a few years slummin it before returning to the upper middle class, if you are successfully living on minimum wage in those places it is a precarious existence with no exit in sight. Yeah, and you haven't even mentioned kids. Those little shits are incredibly expensive. We spend at least $30k per year just on childcare for them so that we have the privilege to work. And that doesn't even include food, clothing, and misc. activities that you're expected to pay for if you want to be a good parent.
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On October 28 2016 06:33 KwarK wrote: If everyone tried to help themselves in the exact ame way then it wouldn't work so nobody should try to do anything. - Igne
im criticizing your move from the particular to the universal (ie everyone can be millionaires) not the particular advice per se. that might be hard for you to grasp.
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United States41982 Posts
Again, a working poor guy who can spare 4 hours a week to take up donating plasma can retire with half a million dollars from that single choice alone, even if he changes nothing else. And they even put the donor centers in poor areas.
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On October 28 2016 06:10 KwarK wrote:Show nested quote +On October 28 2016 05:56 IgnE wrote:On October 28 2016 05:43 KwarK wrote: Igne, I don't know why you can't use Excel so I can't speak for your numbers, only my own. Your assumption of the same amount being saved in the first year of working (18?) and the year they retire (58, good for them, early retirement) is unrealistic. People typically experience an increase in earning potential with age. However 700k will produce a reliable median income to live on for our early retiree. As for taxes, with just 5k a year and having him be low income for life, that's ROTH IRA territory. No taxes to pay. Not that he's owe taxes on that kind of yield anyway, so the tax status isn't important. Your completely hypothetical and totally unrealistic retirement saver who saves less of his paycheck year on year and retires early, he's fine. Sorry bro. you are basically assuming an upper middle class worker then. if the contributions go up over 5k maybe we should assume a young'n with a ~30k annual salary and no contributions till age 29. i assume you know what "median" means? do i need to pull up a graph of real wages vs time for the last three decades? you pretend like im ridiculous and wave your hands "its math, open an excel worksheet". yah ok. youve proved that kwarks everywhere can expect at least 700k. sadly not even millionaires. We've done this dance before and I'm sure we'll do it again before you learn to use Excel but basically right now I make an unremarkable income (still a while from finishing my CPA) but I still save far more than 5k/year and certainly wouldn't reduce my savings as a percentage of total income over time. You start with the assumption that it can't be done, set conditions that mean it won't be done and then conclude that you're right. The only problem being people like myself who are defying all your ironclad assumptions. Hell, something as simple as donating blood plasma ($20/hr 4 hours a week) and throwing it in savings is worth half a mil over a working life. You are the textbook example of the crab bucket mentality. You refuse to take responsibility for improving your own life and so you must try to undermine anyone who disproves your own delusions of helplessness.
I have friends who donate plasma (active members of the military) and it's closer to $10hr in more populous areas. The racket they run with the banks on folks is pretty terrible too. I don't know the parlance for what it is you're doing, but there's more too it than people "just making poor decisions". We can't condition people to behave a certain way and then just say anyone who is susceptible to such conditioning is a poor decision maker.
Take Moh for example. He attributes it to being successful straight out of school, but his behavior is totally learned behavior as part of a lifetime of conditioning. From spending on useless clutter, well-flavored poison, or other crap, to "saving" by giving the government a free loan.
He's obviously mentally capable, so why? Now Kwarks might say "poor decision maker" but I think taking a look at our society does a much better job of explaining why intelligent people make poor investment decisions.
Put another way, that some people could live decent productive lives without police or most laws, matters less than the fact that so many people can't. Poor investment decisions, like crime, come out of 3 primary sources: Ignorance, Mental illness, and/or desperation (lack of necessary resources, perceived or otherwise).
Our society (especially American's) has mastered how to take advantage of that and exploit it.
To provide some examples of what I'm talking about.
We'll go with ignorance first: This one seems kind of obvious, but lets look at a business like H&R Block, I feel like I don't need to explain how their business model is inextricable from ignorant consumers?
Now mental illness: We could go straight to it with commercials for medication for mental health, or we could take a more scenic route with casinos and the tobacco/alcohol industries which will take money from people without food or shelter to feed their addictions.
Finally desperation: We could use casinos/tobacco again or lotteries, but I think it would be more fun to use everything. Practically every product is sold with the message that you need it (or the convenience it provides), shockingly enough, we don't.
My point isn't to indict the system altogether, just point out that the "people just make poor investment decisions" is about as ignorant as "people just make criminal decisions" argument.
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Memo shows Bill Clinton's wealth was tied to Clinton Foundation
In a 2011 memo, an aide to Bill Clinton laid out the messy relationship between the Clinton Foundation and the former president's personal interests, detailing how some foundation donors also paid Clinton to speak and provide consulting services.
The memo was released on Wednesday as part of a Wikileaks dump of Hillary Clinton's campaign chairman John Podesta's hacked emails.
Doug Band, a long-time aide to Bill Clinton, wrote the 2011 memo as part of an internal audit at the Clinton Foundation. In trying to explain his role in the Foundation, Band also brought up a series of instances he and his consulting company, Teneo Holdings, helped Bill Clinton secure for-profit contracts.
The memo, which was being circulated to some in Clinton's inner circle including Podesta, reinforces Republican criticisms of the blurred lines between the foundation and professional interests of the Clintons and their associates.
“Independent of our fundraising and decision-making activities on behalf of the Foundation, we have dedicated ourselves to helping the President secure and engage in for-profit activities — including speeches, books, and advisory service engagements," Band wrote. "In that context, we have in effect served as agents, lawyers, managers and implementers to secure speaking, business and advisory service deals. In support of the President’s for-profit activity, we also have solicited and obtained, as appropriate, in-kind services for the President and his family — for personal travel, hospitality, vacation and the like.”
At one point, Band even referred to the former president’s money-making enterprises as “Bill Clinton, Inc.”
http://www.usatoday.com/story/news/politics/onpolitics/2016/10/27/memo-shows-bill-clintons-wealth-tied-clinton-foundation/92842822/
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On October 28 2016 06:32 {CC}StealthBlue wrote:One of the reasons voters have trust issues with Clinton: her team seems to be polling what is most popular but also practical, take a stand while also not taking a position. Show nested quote +The WikiLeaks emails reveal a Hillary Clinton campaign team fixated on climate change — yet reluctant to make overly sweeping promises about what they’d do about it.
Campaign chairman John Podesta’s hacked inbox offers a veritable road map to the energy policy that Clinton would execute in the White House, as well as clear lessons to the environmental and industry groups that are getting ready to lobby her administration if she wins. And climate change and related issues feature prominently in the approximately 25,000 messages WikiLeaks has released so far from Podesta’s account.
“Climate change” comes up in more than 1,200 of the emails released as of Friday, or more than Obamacare and the Islamic State of Iraq and the Levant combined — and almost as many as the 1,444 emails that mention the name “Sanders.”
Clinton’s energy proposals have produced fewer easy sound bites than Bernie Sanders’ call to ban fracking or Donald Trump’s promises to put coal miners back to work. But the hacked emails, dating from before and after Podesta joined the campaign after serving as a senior adviser to the Obama White House, show Clinton’s team to be as driven by policy details and the power of pragmatic messaging as the candidate herself — while grappling with the contradictions inherent in a campaign year when grandiose promises are more popular than realistic proposals.
Taxing carbon polls horribly, her advisers fret, but politicians will need to get behind some climate plan to drastically reduce carbon output. Natural gas has spurred jobs and exports, but it produces methane pollution that cries out for regulation. The federal ethanol mandate is arguably failing to deliver its promised gains for national security and the planet, as one aide wrote last year, but calling for reform too loudly risks losing support in corn country.
And Clinton’s team think it’s deeply unrealistic to call for a quick end to oil drilling, as some green groups and Sanders supporters demand — but it’s also fanciful to think that the current U.S. oil boom should continue indefinitely.
Several threads in the emails also detail the choreography Clinton’s aides engaged in before she revealed her long-planned public opposition to the Keystone XL oil pipeline last year.
Among the biggest themes contained in the emails: Like Obama, Clinton wants the left to push her.
President Barack Obama accepted his nomination for reelection in 2012 with a call for “shared responsibility,” effectively reminding liberals dissatisfied with his record at that point that it was their job to lobby him in their direction. Green activists listened and kept pushing. They cheered as Obama sloughed off the “all-of-the-above” energy rhetoric of his first term and spent significant political capital on global warming, from regulations on power plants to the recently ratified Paris climate deal.
The Clinton team whose private discussions WikiLeaks is dragging into public view appears in the mold of Obama, wary of unrealistic proposals from the left but ready to engage with critics who want more.
The presidential front-runner’s private quip that anti-fossil fuel activists should “get a life,” seen in context, reads like more of a rejoinder to remove their heads from the clouds than a personal slam. Source
I don't really get the same impression from that article as you do. Clinton seems to be in that middle area because she doesn't believe that people have proposed mutually agreeable solutions to the climate change issue, so she's asking that people come up with more realistic solutions.
She does have her own energy proposals outlined on her website but is the problem more that you want a president who's much more left? Because it also says there that she's willing to listen and critique the proposals they do have, which I feel is a really reasonable approach, and seems indicative of her overall approach.
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On October 28 2016 06:40 KwarK wrote:Show nested quote +On October 28 2016 06:36 Plansix wrote: There is literally no way for me to donate plasma twice a week without losing like 4+ hours to doing it. I already have an hour commute as it is. I already own this house thing that takes up a lot of my time and I like to write. Sure, you allocated the time to living somewhere other than where you work and writing and that's fine. You don't have to make my choices. Just don't deny that you had choices, claim that the system is rigged and then take your luxuries for granted. That's all I ask. I never said it was rigged. But having been part of a bunch of really terrible tragedies(not mine) in the last 7 years and I'm not really sold on this "we had choices" argument. I'm just sort of glad we got out of it. I don't really know you Kwark, but I get the impression you haven't dealt with "And now my entire family is dead and I need to bury them" level of problems in life.
Edit: and Xdaunt's point about kids is also relevant.
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On October 28 2016 06:31 LegalLord wrote: It's perfectly possible to live quite reasonably with an even more extreme situation, like living on minimum wage in NYC, LA, or SF, if you're good with finances.
Problem is that most people who are good with finances don't stay that poor for very long. Selection bias plays a role here.
this pretty much hits the nail on the head. though lifestyle inflation is the biggest problem for most people.
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On October 28 2016 06:52 ticklishmusic wrote:Show nested quote +On October 28 2016 06:31 LegalLord wrote: It's perfectly possible to live quite reasonably with an even more extreme situation, like living on minimum wage in NYC, LA, or SF, if you're good with finances.
Problem is that most people who are good with finances don't stay that poor for very long. Selection bias plays a role here. this pretty much hits the nail on the head. though lifestyle inflation is the biggest problem for most people.
Some may say breeding is one of the most popular lifestyle inflation choice that causes problems.
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United States41982 Posts
On October 28 2016 06:52 ticklishmusic wrote:Show nested quote +On October 28 2016 06:31 LegalLord wrote: It's perfectly possible to live quite reasonably with an even more extreme situation, like living on minimum wage in NYC, LA, or SF, if you're good with finances.
Problem is that most people who are good with finances don't stay that poor for very long. Selection bias plays a role here. this pretty much hits the nail on the head. though lifestyle inflation is the biggest problem for most people. That and thinking luxury is standard. Everyone needs their own home, roommates are a college thing or for failures/immigrants. Everyone needs their own car. Everyone needs the newest iPhone and everyone needs it on credit. It's a cultural disease. Doesn't even seem to make people happier.
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