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Plansix
United States60190 Posts
On January 11 2019 04:04 Mohdoo wrote: Yeah office administrators are known for being flush with cash. Park Rangers and FDA inspectors too. FYI, the FDA is closed, so no one is inspecting our food. My master plan is to eat pop tarts until the shut down ends. Not sure I will make it. | ||
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Rebs
Pakistan10726 Posts
On January 11 2019 04:08 Plansix wrote: Park Rangers and FDA inspectors too. FYI, the FDA is closed, so no one is inspecting our food. My master plan is to eat pop tarts until the shut down ends. Not sure I will make it. Ive worked with the FDA alot, they didnt do a great job of inspecting your food in the first place. Not at the clearance level anyway. Then again they get paid shit and their job is super subjective (even though the rules are quite well defined, they are just too well defined and way too onerous) so I wouldnt fault them for just shrugging and getting their numbers up. | ||
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ticklishmusic
United States15977 Posts
On January 11 2019 03:57 Plansix wrote: Remember that super cool discussion we had about how shutdowns don’t matter and federal employees would all be fine because of their huge saving accounts? It feels like a lifetime ago. Yeah but don't you know they're all Democrats? Oh wait, never mind an article came out about Trump isn't hurting the people he's supposed to be hurting. | ||
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Plansix
United States60190 Posts
On January 11 2019 04:11 Rebs wrote: Ive worked with the FDA alot, they didnt do a great job of inspecting your food in the first place. Not at the clearance level anyway. Then again they get paid shit and their job is super subjective (even though the rules are quite well defined, they are just too well defined and way too onerous) so I wouldnt fault them for just shrugging and getting their numbers up. The lady who directs traffic outside of the school doesn’t do a great job of keeping traffic going while assuring kids can cross the busy street safely. But she is better than the alternative no kids trying to navigate that busy street on their own. | ||
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Rebs
Pakistan10726 Posts
On January 11 2019 04:17 Plansix wrote: The lady who directs traffic outside of the school doesn’t do a great job of keeping traffic going while assuring kids can cross the busy street safely. But she is better than the alternative no kids trying to navigate that busy street on their own. Which is why I didnt say that it was ok that no one was inspecting your food. Just that if theyre absence is the reason your diet is exclusive to Poptarts you might aswell stick to the Poptarts permanently. I also wouldnt want my children crossing the road that lady is on either. | ||
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Simberto
Germany11823 Posts
On January 11 2019 04:08 Plansix wrote: Park Rangers and FDA inspectors too. FYI, the FDA is closed, so no one is inspecting our food. My master plan is to eat pop tarts until the shut down ends. Not sure I will make it. I think pretty much everyone should try their best to be able to survive 1-2 months without income. I personally am not rich, and don't have a lot of income due to being mostly a student and only secondarily making money. But i still saved up enough money for emergencies to be able to pay rent and eat for at least two months if i suddenly stop having any income at all for whatever reason. Anything else would be horribly scary. Shit happens sometimes. Maybe the washing machine breaks. Or my bike gets stolen. This is not to debate how incredibly stupid this whole shutdown thing is, and that it is clearly hurting people. But i think something is very wrong with the savings culture in the US if so many people life from paycheck to paycheck, which i read as basically having no emergency funds whatsoever. | ||
BisuDagger
Bisutopia19343 Posts
On January 11 2019 03:38 Plansix wrote: On that topic, the Nation Parks are already being damaged by people who want to use them for off roading and all the other stuff they could do literally anywhere else. https://www.latimes.com/local/california/la-me-joshua-tree-cleanup-20190109-story.html Not for nothing, but can we start a go fund me for this guy, because Jesus what a hero. Without any knowledge of this or other people's stories, my wife and I had already planned to head to our local National parks with trash bags to go around emptying them and cleaning up this weekend. It is nice to see other people have the same idea. The libertarian party is rallying people up too and sending groups to clean up the parks. I think it's great and really love there attitude about proving that we don't need the government to maintain things we find important. source: https://hanfordsentinel.com/news/local/libertarian-party-organizes-yosemite-cleanup/article_82ae735e-e77d-5904-9760-ec6d098a301b.html | ||
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farvacola
United States18857 Posts
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Stratos_speAr
United States6959 Posts
On January 11 2019 04:40 Simberto wrote: I think pretty much everyone should try their best to be able to survive 1-2 months without income. I personally am not rich, and don't have a lot of income due to being mostly a student and only secondarily making money. But i still saved up enough money for emergencies to be able to pay rent and eat for at least two months if i suddenly stop having any income at all for whatever reason. Anything else would be horribly scary. Shit happens sometimes. Maybe the washing machine breaks. Or my bike gets stolen. This is not to debate how incredibly stupid this whole shutdown thing is, and that it is clearly hurting people. But i think something is very wrong with the savings culture in the US if so many people life from paycheck to paycheck, which i read as basically having no emergency funds whatsoever. People do that because they don't make enough money to save at all. You make it sound like people are bad at saving. That makes you sound pretty privileged and quite ignorant, to be honest. | ||
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Plansix
United States60190 Posts
On January 11 2019 04:40 Simberto wrote: I think pretty much everyone should try their best to be able to survive 1-2 months without income. I personally am not rich, and don't have a lot of income due to being mostly a student and only secondarily making money. But i still saved up enough money for emergencies to be able to pay rent and eat for at least two months if i suddenly stop having any income at all for whatever reason. Anything else would be horribly scary. Shit happens sometimes. Maybe the washing machine breaks. Or my bike gets stolen. This is not to debate how incredibly stupid this whole shutdown thing is, and that it is clearly hurting people. But i think something is very wrong with the savings culture in the US if so many people life from paycheck to paycheck, which i read as basically having no emergency funds whatsoever. It goes beyond culture to fundamental problems with our safety net system and that it is a pain in the ass to save money. My wife and I have a couple savings accounts we pack money away in, but it always feels like the money could be better used investing. But any sort of investment has costs associated with it that make committing those savings to it undesirable. We keep looking into it, but there has never been a good system that we felt confident in. And we are firmly middle class and not complete morons with our credit. I don’t know what people with kids do beyond have no money to save. | ||
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Plansix
United States60190 Posts
On January 11 2019 04:44 BisuDagger wrote: Without any knowledge of this or other people's stories, my wife and I had already planned to head to our local National parks with trash bags to go around emptying them and cleaning up this weekend. It is nice to see other people have the same idea. The libertarian party is rallying people up too and sending groups to clean up the parks. I think it's great and really love there attitude about proving that we don't need the government to maintain things we find important. source: https://hanfordsentinel.com/news/local/libertarian-party-organizes-yosemite-cleanup/article_82ae735e-e77d-5904-9760-ec6d098a301b.html I think it is great that people are pitching in and of course the community is important. But the reason the national parks exist at all is because people found them important and the government created them and made the land sacrosanct. The park rangers exist because those parts need to be cared for, and we as tax payers, created a profession to assure that takes place. | ||
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RvB
Netherlands6272 Posts
On January 11 2019 04:46 Stratos_speAr wrote: People do that because they don't make enough money to save at all. You make it sound like people are bad at saving. That makes you sound pretty privileged and quite ignorant, to be honest. It's not ignorant. Many people are bad at saving. Of course there are poor people who can't save but there are also many middle class families who spend their wages without saving much. Financial literacy is a huge problem in both Europe and the US. As a general principle you should have enough liquid assets to survive 6 months without any income. There are very few people who actually have that much. | ||
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farvacola
United States18857 Posts
On January 11 2019 04:59 RvB wrote: It's not ignorant. Many people are bad at saving. Of course there are poor people who can't save but there are also many middle class families who spend their wages without saving much. Financial literacy is a huge problem in both Europe and the US. As a general principle you should have enough liquid assets to survive 6 months without any income. There are very few people who actually have that much. Tossing out “savings 101” tips without any reference to the material circumstances of those with little savings is unhelpful at best, ignorant at worst. | ||
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CorsairHero
Canada9491 Posts
On January 11 2019 04:52 Plansix wrote: My wife and I have a couple savings accounts we pack money away in, but it always feels like the money could be better used investing. But any sort of investment has costs associated with it that make committing those savings to it undesirable. We keep looking into it, but there has never been a good system that we felt confident in. There are a ton of index tracking ETFs that can be bought for a management fee of 0-0.2% as opposed to mutual funds that can go 2%+. These cover everything from S&P 500 to the global equity and bond market. They have data that spans decades that explain their performance. | ||
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m4ini
4215 Posts
On January 11 2019 04:59 RvB wrote: It's not ignorant. Many people are bad at saving. Of course there are poor people who can't save but there are also many middle class families who spend their wages without saving much. Financial literacy is a huge problem in both Europe and the US. As a general principle you should have enough liquid assets to survive 6 months without any income. There are very few people who actually have that much. Yes and no. While there certainly are people who're bad at saving (i wouldn't exclude myself there considering i've just spent $1400 on a GPU instead of putting it away), his specific story is absolutely ignorant. It's assuming that every worker on governmental payroll lives a student life. There are plenty of families where there's only one earner. That's leaving out families with kids, where two "standard" wages are actually not enough to put any meaningful amount of money away - and that's not just the case in the US, it's the case in europe (or specifically germany, since i have second hand experience there) too. A friend of mine has a wife and two kids, both have "normal jobs" (he works as a fire-prevention-system-inspector, she as a secretary), and between two cars (needed), the apartment (needed, in fact a bigger/more expensive one would be needed) etc, there is barely enough money left over to have a camping holiday once a year in the netherlands, in a caravan owned by his father. To argue that everyone can live on toast and peanuts with barely any financial obligations is, in fact, ignorant. | ||
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brian
United States9641 Posts
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Excludos
Norway8254 Posts
On January 11 2019 05:11 brian wrote: or, in the wise words of our last representative from utah, perhaps the FBI should just sell their iphones if they wanted to pay rent. Or maybe ask their landlords if there's anything they can help around with. That's totally how this works. | ||
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ZerOCoolSC2
9052 Posts
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abmhm
21 Posts
On January 10 2019 11:19 On_Slaught wrote: "No, no he didn't give the info to that one Russian stooge, he gave it to those other 2 Russian stooges living in Ukraine via his Russian spy friend. " That makes things so much better! Still, a pretty big mistake on the NYTs part. Yeah, look at what Manafort was telling that Russian spy in this e-mail. So deceitful, trying to get this obvious Kremlin agent (Konstantin Kilimnik, aka "KK" in the "to" field) to push Ukraine closer to the European Union and the West. Exactly as the Kremlin would demand from their spies! + Show Spoiler + https://pbs.twimg.com/media/DwkeWfiXQAE4Z60.jpg It must be collusion! | ||
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Simberto
Germany11823 Posts
On January 11 2019 05:09 m4ini wrote: Yes and no. While there certainly are people who're bad at saving (i wouldn't exclude myself there considering i've just spent $1400 on a GPU instead of putting it away), his specific story is absolutely ignorant. It's assuming that every worker on governmental payroll lives a student life. There are plenty of families where there's only one earner. That's leaving out families with kids, where two "standard" wages are actually not enough to put any meaningful amount of money away - and that's not just the case in the US, it's the case in europe (or specifically germany, since i have second hand experience there) too. A friend of mine has a wife and two kids, both have "normal jobs" (he works as a fire-prevention-system-inspector, she as a secretary), and between two cars (needed), the apartment (needed, in fact a bigger/more expensive one would be needed) etc, there is barely enough money left over to have a camping holiday once a year in the netherlands, in a caravan owned by his father. To argue that everyone can live on toast and peanuts with barely any financial obligations is, in fact, ignorant. Maybe you are classifying too much stuff as "needed". You can save a lot of money by not buying as much stuff, and you might notice that you don't actually need all the stuff that is "needed". What i am saying is that if your standard budget does not involve 5-10% of your income/month to be set aside in case of emergencies (until you have built up a reasonable safety fund), you are asking for trouble. Especially in a situation like in the US where you are not actually covered by healthcare if you get sick. And if i can manage that off of ~600-700€ monthly income in Munich, people with "two standard wages" should be able to do that, too. Otherwise, how do you deal with any sudden expenses? Do you just borrow money? In that case you are spending even more, only later. And i still have the feeling that you are classifying far too much as "needed" expenses. Why does a family need two cars? Are both living so far from their jobs that not at least one of them could ride a bike or take public transit? Especially if both drive to some common spot together first? I am deeply sceptic of any budget that deems two cars as necessary. To me, this means that you just don't prioritize having safety funds high enough, because they are not immediately obviously necessary. But of course, you can call this "privileged". Note that i am not saying that you should push people into their safety funds for no reason whatsoever. Not paying government workers is utterly insane. My point was kind of perpendicular to this. Not having enough money in the bank to survive for one month is not a good situation to constantly be in, it is incredibly unstable, and if one is in that situation, one should try to find some way to change this. | ||
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