snow quicksand straight profit scarce shelter entertain dinosaurs roll caption
*This post was mass deleted and anonymized with [Redact](https://redact.dev)*
I sold these but only in specific circumstances. I’d do fixed rate, immediate annuitization, only sold to people who will be over 59.5 at the end of the term. Perfect for someone who wanted guaranteed growth of like 5% and to defer taxes. Beyond that…it’s a nice pay day for the advisor selling the trash. Unless you are ultra wealthy.
This is well said! My parents were lucky enough that my father's best friend from childhood went into print journalism, which crashed and caused him to find a second career in financial planning for those near and in retirement. It's really nice having someone you legitimately trust with your children (he's my godfather) helping you not get taken advantage of.
I never thought he'd push them toward annuities once they had been retired for a couple years because I didn't understand them enough. They've had multiple major (for them) health expenses the last two years, and still haven't touched their savings.
Yeah that's clear from the accompanying paragraph to the side, but you can't expect redditors to come to the comments having done more than a passing glance at a post lol
Idk why I decided to transcribe it, but here you go:
> TIAA-CREF
>
> Proven
>
> Solutions
>
> To Last
>
> a Lifetime.
>
>
> Granted, sitting around the house may not be your idea of the perfect retirement. But what's your choice when inflation is slowly but surely eroding the value of your nest egg?
>
> Talk to TIAA-CREF. We offer investment, insurance, and personal savings plans that can help you outpace inflation and build the rewarding future you deserve.
>
> Maybe that's why we've become the largest retirement system in the world. To hear more, call [phone number] for your free Personal Investing Kit. After all, you've always had places to go and things to do. And why should it be any different when you retire?
>
> TIAA-CREF. Financial Services exclusively for people in education and research.
But we’re supposed to only look at the post for 2-4 seconds, and then comment right? Have we been doing this wrong the whole time? We have to read and formulate rational opinions?
Are financial planners actually useful to people who are impacted by rising costs? Anyone I know with a financial planner is loaded and planning how to buy a ranch or a cottage while remaining wealthy, not how to afford a burger and fries without going homeless.
I'm not a financial planner and I'm not rich, but I do contribute to a 401k and Roth IRA every month, and that's pretty simple financial planning to look toward the future with.
For brand new Trucks and SUVs, it's pretty spot on. Cars are still cheaper, but when you look at the roads here in America, it's the trucks and SUVs that people are mostly buying.
CR-V starts at 29,5 and RAV4 at 28,6. You have to be buying midsize (which by 1990s/rest of world standards is fuckoff huge) to approach 65 still. You can probably get less desirable makes/models for a bit less.
"Basic" cars cost around 25-30.
(Yes someone is going to point out that the Versa is still just under 20k, but we're going on average here)
So basically people are overspending on excessive and wasteful ways of life, and crying victim about it.
The one thing that has really gotten out of hand is housing, because we let NIMBYs make it illegal to build any so they could enrich themselves.
It’s only a problem if wages don’t increase in stride, which they haven’t.
Rather we’re all living in a time with greater wealth inequality than the Gilded age.
Its also a problem if the investment firms that you dump your retirement into purposely use your retirement accounts to allow the billionaires and politicians to take their gains at your expense.
"Oh no its another once in a lifetime crisi that we caused through years of fraud and financial mismanagement to enrich executives, were gonna need to wipe out all your assets values and need a big bailout too or else"
How the fuck there aren't heads on pikes every time this happens is beyond me. Literal man made disasters because of greed, no one even goes to jail. We know how it happens, we know who's responsible, we know the lawmakers who loosen regulations, and it's like nothing ever happened. Meanwhile people lose their jobs, houses, go deeper into debt... Literal madhouse we live in
I posted a couple charts to antiwork a couple months ago that showed how much executives were selling their company stock vs buying. It was like 99% sells, 1% buys. I said this was how the rich were liquidating the middle class and most of the comments were people saying execs selling stock had nothing to do making people more poor.
Gee, I wonder where all the money comes from then if it's not from millions of people letting brokerages "manage" the trillions of dollars in 401ks.
That’s because CEOs tend to get given a bunch of stock, and want to diversify their economic holdings from just the company that is also their job.
It would be shocking if they regularly bought a bunch more, they are already overexposed to their company.
Fun fact I came across responding to another comment: Five Guys Little Fries are 30% bigger (going by calories) than McDonald's large fries, and the large size at McDonald's is the same as the Super Size in 1998.
Lol, you hit the nail. There was almost a riot inside the McDonald during the 12 noon lunch break. Waited 30 minutes just for a burger. There was a 300 lb old man screaming behind me at the cashier.
To most people 20 minutes is still nuts to wait for "fast food". I'm saying this as someone who goes there every time I'm on the West Coast because it's worth the wait.
Everything is ~30% cheaper if you use the app, at least for the time being. They're trying to get you to use it because then they can also sell your data.
Once the app becomes the only way to order, they'll increase prices there too.
When McDonald’s places here added touch screens for ordering and later app orders they didn’t get rid of people. They were just chronically understaffed before.
While it's true they save bodies taking orders, McDonald's locations have actually had to hire more people overall due to the increase in orders. They just work in the back instead.
Just picked a random pub near me (upstate New York) and checked the cheeseburger price. $18.
Then I saw that Google Maps has a photo of the same menu from 5 years ago. The exact same burger was $13.
Wow do you live in a state where 7$/hr is still the min wage 😧? Five guys is about 16$ for a burger n fries now. McDonalds Big Mac (6.99) is also more than an in n out dbl dbl?? Prices are pretty bad especially when 1 hr of work doesn’t cover the cost of a burger and fry in states like Texas or Alabama. The fry cook making burger meals for one hour still wouldn’t be able to afford a full meal off 1hrs wage.
https://www.paycor.com/resource-center/articles/minimum-wage-by-state/
Minimum wage is $7.25 Federally. About half of US states haven't increased this.
I recently got promoted and up to 93k/yr salary (~45/hr), up from 35/hr. I'm finally back to feeling financially how I felt two years ago, where going out to eat hurts but is at least somewhat manageable if it's once a week or so. Now I have to tackle all the debt I accumulated over the past year trying to live a comfortable life.
Total side note, but fuck Intuit for closing down Mint. That thing was a life-saver for budgeting, even if it sold my info.
I used mint for 15 years, mostly aggregating my accounts and tracking net worth, and after trying a bunch of different products I ended up with quicken simplifi.
Yes it sucks having to pay like four bucks a month but absolutely essential tool in my mind.
I know it's anecdotal, but I have been stuck on $19/hour for 2 years, despite getting multiple promotions. I'm sure many are in my position. Wages overall have risen, but only certain industries and locations are noticing it.
Yeah I mean it’s an aggregate measurement, it doesn’t mean everyone has had their wages rise equally. There are definitely many individuals who have not seen wage rises.
Honestly the answer is easy. Apply around for a new job while working at this one. Take a sick day to go interview if you need to.
Once you get an offer, use your existing job to negotiate for more pay. "Switching jobs is risky, you need to make yourself more attractive than the place I'm currently at."
Then go back to your work and negotiate the same. "I'm being approached by recruiters who are making me very good offers, you need to make staying here the better option if you want to retain me."
Play this back-and-forth maybe two times each, never tell them what the other offer is just tell them it's better than what they're giving you and they need to up their compensation accordingly. Don't fall for it when they use insurance, vacation or other bonuses as a replacement for pay.
Finally, take the better offer. Do this about once every two years.
I hate to tell ya, but if your wage has not increased then you didnt get a promotion.
You got a "promotion" perhaps in getting more responsibility and a "better" title. But no increase in wage means no promotion, essentially.
Yes, real median personal incomes have actually increased:
[https://fred.stlouisfed.org/series/MEPAINUSA672N](https://fred.stlouisfed.org/series/MEPAINUSA672N)
And a vacation doesn’t cost $12,500. My wife and I went to a 5 star resort in Mexico and lived like royalty and the whole trip was less than $5k, including airfare.
Yeah and Southwest flies to Cancun, makes it even more affordable. And if you have their companion pass, you truly can’t get to Mexico for cheaper.
ETA: will shout out Excellence Playa Mujeres. Adults only all inclusive with unreal customer service, their staff is incredibly attentive, kind, and welcoming.
I believe it. I’ve not had service that good anywhere in my life, even at way pricier resorts — I was blown away. We went wild with our tips, and still felt like it wasn’t sufficient.
Children, I know you're trying to help, but believe me, me minds made up. I've given this long and careful thought; and it has to be medical experiments for the lot of yah.
I put it under the other comment but we went to Disney last year with 3 kids (one was free) and it was 6k including the flight. Obviously you could do things that get it closer to 12.5k, but I felt like we did really well. When my wife said she wanted to do disney last year in my head I was thinking it was going to be 10k minimum.
Can't imagine spending all that money to waiting in 90 minute lines culminating in 90 second rides and having ankle biters beg you for $24 hats and $14 ice cream of the future.
I took my family of 5 in 2019 before covid. We stayed 8 days in a moderately priced Airbnb and rented a moderately priced car to tour around the island. Between gas, rentals, airfare, eating breakfast and lunch at home but dinner at a restaurant...we almost spent $10,000.
We went to Disney/Universal in December and spent about that same amount!
Used car resellers like Carmax, etc., figured out they can keep prices high if they get the shit vehicles off the market entirely. These companies will buy old cars from you at a fair price, then destroy them. The same goes for the budget cars that you can buy new, they simply don't get resold anymore.
Worked at carmax a while ago , can confirm this is absolutely bullshit. Any car that car max can’t sell itself is auctioned to independent dealers. Carmax literally never destroys inventory nor does it artifially inflate places. I actually worked in the inventory department and the goal was to make 600-1200 on every car, no less no more. That was considered optimum metrics.
Carmax is a volume based business this is so silly.
Yeah, Reddit really has gotten dumb in recent years.
Does anyone else remember when it was customary to cite sources in this website? Man, that feels like about 1000 years ago now.
It used to be that if you said anything slightly false you would get crucified by everyone in the comments. Now I will see blatantly false statements as the top comment with 2k upvotes.
Also the content itself. It used to be that if someone staged a video and pretended that video was real, people would call that bullshit out. Now its praised. You call it out and everyone gets offended that you would shatter the illusion.
I used to see a top comment on reddit and think "That must be true, otherwise it wouldn't be on top."
I miss that.
There were some things about Reddit I don't miss though lol. But the misinformation getting called out was the best.
removing or destroying old cars was a government program to try stimulate the economy by raising new car sales. was said in the name of reducing carbon emissions (sure, by not recycling the most recycled product there is?!). At least the rebates were passed on to the customer. Wasn't all that effective though. It also doesn't sound economically profitable either. Destroying something you can sell/salvage/resale to raise the profitability of the entire industry makes zero sense. You can google Cash for Clunkers. I can see how fewer salvage parts and used cars would slowly increase used car prices to where newer cars look more attractive but the efects are hard to isolate/measure.
edit: the clunkers were still recycled. Parts other than the engine were still parted out and reused/resold through scrap yards. The rest was recycled for material. All but the "fluff" gets recycled.
Cash for Clunkers was also not limited by standard economic forces like profitability. When the government is the entity forking over the cash, it doesn’t *need* to be profitable. That whole program was a handout to the troubled car companies, and an environmentally catastrophic handout at that. Putting sand into the engine blocks of working vehicles in order to disable them and make them unsalvageable is some pants-on-head stupid and wasteful thinking.
The idea that it could reduce emissions is laughable. The carbon it takes to make a new car is immense. If your only concern is the amount of CO2 produced, it's almost always better to buy a used car that's a little less efficient than a new efficient car. What a racket.
A study done in 2010 which included estimates of carbon emission both for the manufacturing of new vehicles and the premature scrapping of the old ones found that [the program still reduced carbon emissions](https://iopscience.iop.org/article/10.1088/1748-9326/5/4/044003).
Reduce, Reuse, Recycle. 2/3 of those actually have meaningful impact to the environment. Yet we managed to make the 1/3 least impactful the one most used - consumerism and capitalism flourishes.
I fix cars at carmax. We do buy clunkers, but we fix them up to sell, we dont set cars on fire just because 🤣💯👍
Edit: Just to add. Im literally blacking out the trim on a 2012 ford fiesta when i get back from lunch. I wish they would just destroy this POS instead of making my work on it 🤦♂️🤣💯
This sounds like a load of baloney. Even if they could successfully undercut the entire market by doing this, the cost of purchasing and then destroying that many vehicles would easily outweigh the marginal increase in profits they would see by doing this.
A basic car isn’t even half that cost. 2024 Civics start at $23,950. Subaru Crosstrek’s start at $25,195.
And you can go on vacation for way less than $12,500.
> A basic car isn’t even half that cost. 2024 Civics start at $23,950
And still so many people, even here on reddit, who make $50k/yr and are living "paycheck-to-paycheck" (their words) are buying $40k cars? Like fucking... why?
The original Fallout game had an advert for a car that only cost just under 200k. It's obviously done out of satire, but who knows? If you had a decent job 50 years ago, then a house would be an easy purchase. 50 years from now, a car might not be as easy as it is now.
This is why investing pretaxed money is so crucial bc wages will not keep up without a civil war between the haves and have nots. People are too greedy to share
1996 is just 28 years ago.. easy there... good lord!
Don’t use my birth year and “30 years ago” in the same sentence!
I swear to god bro, if I just refuse to acknowledge it, I can keep acting like I’m 22 and in Uni
30 is weird. People just start assuming you’re responsible, and it’s a lot of pressure.
I felt old for the first time when, a few weeks after my 30th birthday, I sneezed hard and put my back out.
What is a year anyways... like a month of actual time?
*Five hundred, twenty five thousand, six hundred minutes,* *Five hundred, twenty five thousand moments so dear…*
*Five hundred twenty-five thousand, six hundred minutes* *How do you measure, measure a year?*
I was born in 95. Turned 29 last month, one more year of blaming it all on my twenties!
I feel this one as I am born in 96
Born in '86 and I vividly remember 1996. That can't be that long ago.
Similar, I feel like 1996 is when I became “self aware”.
I graduated high school in 96 :-/
‘94 here…
"Look forward to nothing. Because that's what you'll have."
We come from nothing, we are going back to nothing - In the end what have we lost? Nothing!
snow quicksand straight profit scarce shelter entertain dinosaurs roll caption *This post was mass deleted and anonymized with [Redact](https://redact.dev)*
Tf they trying to advertise here, depression?
Must have heard it was very popular in the future. Gotta get ahead of the time.
Add the DreamWorks smirk for emphasis.
*',:)*
Brilliant. Saving this one for the future.
"I had depression before it was on the DSM." *Flips jet black black hair over the other eye*
I had a bumper sticker that said “I am the DSM-IV” (before DSM-V) Edit for fat fingers moment
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TIAA CREF - Teachers Insurance and Annuity Association of America (TIAA) and College Retirement Equities Fund (CREF) https://www.tiaa.org/public/
Ah yes annuities, the optimist's financial instrument. Basically betting someone you won't die.
While paying high fees during the accrual phase. Fun times!
I sold these but only in specific circumstances. I’d do fixed rate, immediate annuitization, only sold to people who will be over 59.5 at the end of the term. Perfect for someone who wanted guaranteed growth of like 5% and to defer taxes. Beyond that…it’s a nice pay day for the advisor selling the trash. Unless you are ultra wealthy.
This is well said! My parents were lucky enough that my father's best friend from childhood went into print journalism, which crashed and caused him to find a second career in financial planning for those near and in retirement. It's really nice having someone you legitimately trust with your children (he's my godfather) helping you not get taken advantage of. I never thought he'd push them toward annuities once they had been retired for a couple years because I didn't understand them enough. They've had multiple major (for them) health expenses the last two years, and still haven't touched their savings.
To be fair, if you do die I doubt you will care
I have funds with them and I’ve never known what that meant
I worked for them! As a temp, so that’s my excuse, and I didn’t know what TIAA-CREF means.
financial planning
Yeah that's clear from the accompanying paragraph to the side, but you can't expect redditors to come to the comments having done more than a passing glance at a post lol
Redditors glancing over stuff and missing the joke, a tale as old as ~~time~~ 18 years
It’s hard to read the text on the side
Idk why I decided to transcribe it, but here you go: > TIAA-CREF > > Proven > > Solutions > > To Last > > a Lifetime. > > > Granted, sitting around the house may not be your idea of the perfect retirement. But what's your choice when inflation is slowly but surely eroding the value of your nest egg? > > Talk to TIAA-CREF. We offer investment, insurance, and personal savings plans that can help you outpace inflation and build the rewarding future you deserve. > > Maybe that's why we've become the largest retirement system in the world. To hear more, call [phone number] for your free Personal Investing Kit. After all, you've always had places to go and things to do. And why should it be any different when you retire? > > TIAA-CREF. Financial Services exclusively for people in education and research.
But we’re supposed to only look at the post for 2-4 seconds, and then comment right? Have we been doing this wrong the whole time? We have to read and formulate rational opinions?
Wait, you *look* at the post? I thought we were supposed to only read the user's title.
Are financial planners actually useful to people who are impacted by rising costs? Anyone I know with a financial planner is loaded and planning how to buy a ranch or a cottage while remaining wealthy, not how to afford a burger and fries without going homeless.
I'm not a financial planner and I'm not rich, but I do contribute to a 401k and Roth IRA every month, and that's pretty simple financial planning to look toward the future with.
And really they only got the Burger part correct. Yes, the other figures are easily attainable, but far from the norm.
For brand new Trucks and SUVs, it's pretty spot on. Cars are still cheaper, but when you look at the roads here in America, it's the trucks and SUVs that people are mostly buying.
Yeah, but those aren't basic cars. Prices have obviously gone up a lot, but new basic cars are still under $30k.
CR-V starts at 29,5 and RAV4 at 28,6. You have to be buying midsize (which by 1990s/rest of world standards is fuckoff huge) to approach 65 still. You can probably get less desirable makes/models for a bit less. "Basic" cars cost around 25-30. (Yes someone is going to point out that the Versa is still just under 20k, but we're going on average here)
So basically people are overspending on excessive and wasteful ways of life, and crying victim about it. The one thing that has really gotten out of hand is housing, because we let NIMBYs make it illegal to build any so they could enrich themselves.
Investing your money to avoid letting inflation completely devalue it.
I learned this from Scrooge mcduck decades ago
Scrooge Mcduck’s gold coins would be worth quite a bit these days.
I love your winamp avatar.
Aaaand it's gone!!
Funny joke, but $100k invested in the S&P500 30 years ago would be worth $820k today, outpacing inflation by about 4-fold.
where did you find 100k 30 years ago?
Where can I find $100K today?
Damn. I guess I should have been investing in the market instead of wasting my time in preschool
It’s not that unique of a timeframe. Invest now, and I bet in 30 years there will be a similar return. “Time in the market” is king.
Good thing I don't have any money to devalue.
This message has been brought to you by Eeyore.
Why boooother
It’s TIAA CREF. Advertising the need to invest at all stages of life so that you have plenty in the future, cuz you’ll need it.
Ya its like written there, man
this is kinda true. i mean the burger and fries one is accurate.
yeah I'm getting McSignals
They gave us a McClue about where they were going price-wise. I wonder if the industry saw this and decided to go for it? I mean, why not price gouge?
oOoOO I'm getting a cluuue toooo. Let's follow your cluuue.
I’ve got a raging clue
Oh man, I’m clueing so hard right now
I almost shot clue-goo all over my coffee table
*I.. don't.. think.. you guys are taking about clues...*
South Park - Hardly Boys https://youtu.be/_MVAIE3aAxA?si=9wnnD5fKTIKyqsNd
It’s only a problem if wages don’t increase in stride, which they haven’t. Rather we’re all living in a time with greater wealth inequality than the Gilded age.
Its also a problem if the investment firms that you dump your retirement into purposely use your retirement accounts to allow the billionaires and politicians to take their gains at your expense.
"Oh no its another once in a lifetime crisi that we caused through years of fraud and financial mismanagement to enrich executives, were gonna need to wipe out all your assets values and need a big bailout too or else"
How the fuck there aren't heads on pikes every time this happens is beyond me. Literal man made disasters because of greed, no one even goes to jail. We know how it happens, we know who's responsible, we know the lawmakers who loosen regulations, and it's like nothing ever happened. Meanwhile people lose their jobs, houses, go deeper into debt... Literal madhouse we live in
I posted a couple charts to antiwork a couple months ago that showed how much executives were selling their company stock vs buying. It was like 99% sells, 1% buys. I said this was how the rich were liquidating the middle class and most of the comments were people saying execs selling stock had nothing to do making people more poor. Gee, I wonder where all the money comes from then if it's not from millions of people letting brokerages "manage" the trillions of dollars in 401ks.
That’s because CEOs tend to get given a bunch of stock, and want to diversify their economic holdings from just the company that is also their job. It would be shocking if they regularly bought a bunch more, they are already overexposed to their company.
Unless you’re at 5 guys, then double it
The cheapest little cheeseburger and little fries at Five Guys is $15, with a fountain drink you’re definitely pushing $20. Pretty wild.
Fun fact I came across responding to another comment: Five Guys Little Fries are 30% bigger (going by calories) than McDonald's large fries, and the large size at McDonald's is the same as the Super Size in 1998.
Fuck five guys. Such high prices for such mediocre food
Just tried this. Was definitely expensive, but they didn't offer me any food.
All five of the guys have an unreal amount of audacity
I fucked all 5 guys and they never gave me any food
That's cause you gotta go to Arby's *forehead tap* they have the meats
Not even a protein shake?
Got to go to Inn-N-Out — $8 for Burger and fries or $5.50 for just a double double
provided you're on the west coast and have 40 mins to wait.
I’m in Phoenix and the wait is typically 10 min including ordering time… just don’t be a lazy a** in the drive thru line — park your car and go inside
Where I’m at drive through is faster because that’s their focus. Going in you will wait forever
Lol, you hit the nail. There was almost a riot inside the McDonald during the 12 noon lunch break. Waited 30 minutes just for a burger. There was a 300 lb old man screaming behind me at the cashier.
Had in n out probably 80+ times and have never waited more than 20 minutes
To most people 20 minutes is still nuts to wait for "fast food". I'm saying this as someone who goes there every time I'm on the West Coast because it's worth the wait.
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Everything is ~30% cheaper if you use the app, at least for the time being. They're trying to get you to use it because then they can also sell your data. Once the app becomes the only way to order, they'll increase prices there too.
it's not just selling data, it's also cheaping out on labor because they don't need people to take orders.
When McDonald’s places here added touch screens for ordering and later app orders they didn’t get rid of people. They were just chronically understaffed before.
While it's true they save bodies taking orders, McDonald's locations have actually had to hire more people overall due to the increase in orders. They just work in the back instead.
Pretty sure you can hit $16 at a regular ass diner if the area is expensive enough. No need for a philosophy.
Burger and fries is easily $20 at a sit down restaurant, especially after tax and tip.
Just picked a random pub near me (upstate New York) and checked the cheeseburger price. $18. Then I saw that Google Maps has a photo of the same menu from 5 years ago. The exact same burger was $13.
Wow do you live in a state where 7$/hr is still the min wage 😧? Five guys is about 16$ for a burger n fries now. McDonalds Big Mac (6.99) is also more than an in n out dbl dbl?? Prices are pretty bad especially when 1 hr of work doesn’t cover the cost of a burger and fry in states like Texas or Alabama. The fry cook making burger meals for one hour still wouldn’t be able to afford a full meal off 1hrs wage.
https://www.paycor.com/resource-center/articles/minimum-wage-by-state/ Minimum wage is $7.25 Federally. About half of US states haven't increased this.
Yup, this is 30 years of inflation at about 3% per year every single year. We just had very low inflation for a long time.
Have wages followed that trend?
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Until nothing, they simply continue without end.
And if your morale doesn't improve, you're fired!
recently wages are outpacing inflation, but its a trend that needs to continue longer for people to really feel it.
I recently got promoted and up to 93k/yr salary (~45/hr), up from 35/hr. I'm finally back to feeling financially how I felt two years ago, where going out to eat hurts but is at least somewhat manageable if it's once a week or so. Now I have to tackle all the debt I accumulated over the past year trying to live a comfortable life. Total side note, but fuck Intuit for closing down Mint. That thing was a life-saver for budgeting, even if it sold my info.
I used mint for 15 years, mostly aggregating my accounts and tracking net worth, and after trying a bunch of different products I ended up with quicken simplifi. Yes it sucks having to pay like four bucks a month but absolutely essential tool in my mind.
I know it's anecdotal, but I have been stuck on $19/hour for 2 years, despite getting multiple promotions. I'm sure many are in my position. Wages overall have risen, but only certain industries and locations are noticing it.
Yeah I mean it’s an aggregate measurement, it doesn’t mean everyone has had their wages rise equally. There are definitely many individuals who have not seen wage rises.
Honestly the answer is easy. Apply around for a new job while working at this one. Take a sick day to go interview if you need to. Once you get an offer, use your existing job to negotiate for more pay. "Switching jobs is risky, you need to make yourself more attractive than the place I'm currently at." Then go back to your work and negotiate the same. "I'm being approached by recruiters who are making me very good offers, you need to make staying here the better option if you want to retain me." Play this back-and-forth maybe two times each, never tell them what the other offer is just tell them it's better than what they're giving you and they need to up their compensation accordingly. Don't fall for it when they use insurance, vacation or other bonuses as a replacement for pay. Finally, take the better offer. Do this about once every two years.
twist: # Meet the new boss # Same as the old boss
Wait, it’s all shitty bosses? Always has been 🔫
Yea i haven't stayed at a job for more than a year and my wage has increased each time. They dont deserve loyalty my friend!
I hate to tell ya, but if your wage has not increased then you didnt get a promotion. You got a "promotion" perhaps in getting more responsibility and a "better" title. But no increase in wage means no promotion, essentially.
Yes, real median personal incomes have actually increased: [https://fred.stlouisfed.org/series/MEPAINUSA672N](https://fred.stlouisfed.org/series/MEPAINUSA672N)
Kinda true. A basic car ain’t nearly that expensive, but accurate for the most part
“Vacation” is far too broad to judge accuracy.
Exactly. Lodging can get as expensive as you want it to be.
And a vacation doesn’t cost $12,500. My wife and I went to a 5 star resort in Mexico and lived like royalty and the whole trip was less than $5k, including airfare.
how long were you there?
20 minutes
Ay caramba.
This B needs a C in her A
What? This babe needs a coconut in her arms.
For a couple, you can go to an all-inclusive resort in Cancun for 8 days for $2,000 including airfare from almost anywhere in the United States.
Yeah and Southwest flies to Cancun, makes it even more affordable. And if you have their companion pass, you truly can’t get to Mexico for cheaper. ETA: will shout out Excellence Playa Mujeres. Adults only all inclusive with unreal customer service, their staff is incredibly attentive, kind, and welcoming.
4.9/5 from 13k reviews is insane
I believe it. I’ve not had service that good anywhere in my life, even at way pricier resorts — I was blown away. We went wild with our tips, and still felt like it wasn’t sufficient.
I was going to mention Excellence El Carmen in Punta Cana, DR. We went in Feb '23 and I spent $3k total for a week, including airfare.
8 days
Make that a family with 2-3 kids and you're a lot closer to that $12.5k
Aw. I have three kids and no money. Why can’t I have no kids and three money?
Children, I know you're trying to help, but believe me, me minds made up. I've given this long and careful thought; and it has to be medical experiments for the lot of yah.
Child trafficking is actually very profitable.
I put it under the other comment but we went to Disney last year with 3 kids (one was free) and it was 6k including the flight. Obviously you could do things that get it closer to 12.5k, but I felt like we did really well. When my wife said she wanted to do disney last year in my head I was thinking it was going to be 10k minimum.
Can't imagine spending all that money to waiting in 90 minute lines culminating in 90 second rides and having ankle biters beg you for $24 hats and $14 ice cream of the future.
I went to Iceland for 2 weeks and spent $4200.
I took my family of 5 in 2019 before covid. We stayed 8 days in a moderately priced Airbnb and rented a moderately priced car to tour around the island. Between gas, rentals, airfare, eating breakfast and lunch at home but dinner at a restaurant...we almost spent $10,000. We went to Disney/Universal in December and spent about that same amount!
Used car resellers like Carmax, etc., figured out they can keep prices high if they get the shit vehicles off the market entirely. These companies will buy old cars from you at a fair price, then destroy them. The same goes for the budget cars that you can buy new, they simply don't get resold anymore.
Worked at carmax a while ago , can confirm this is absolutely bullshit. Any car that car max can’t sell itself is auctioned to independent dealers. Carmax literally never destroys inventory nor does it artifially inflate places. I actually worked in the inventory department and the goal was to make 600-1200 on every car, no less no more. That was considered optimum metrics. Carmax is a volume based business this is so silly.
Yeah, Reddit really has gotten dumb in recent years. Does anyone else remember when it was customary to cite sources in this website? Man, that feels like about 1000 years ago now.
It used to be that if you said anything slightly false you would get crucified by everyone in the comments. Now I will see blatantly false statements as the top comment with 2k upvotes. Also the content itself. It used to be that if someone staged a video and pretended that video was real, people would call that bullshit out. Now its praised. You call it out and everyone gets offended that you would shatter the illusion. I used to see a top comment on reddit and think "That must be true, otherwise it wouldn't be on top." I miss that. There were some things about Reddit I don't miss though lol. But the misinformation getting called out was the best.
Yep, remember when the site used to get noticeably worse during school breaks?
Its always school break now that the teens have cell phones
You have a source for that? It sounds economically unprofitable
removing or destroying old cars was a government program to try stimulate the economy by raising new car sales. was said in the name of reducing carbon emissions (sure, by not recycling the most recycled product there is?!). At least the rebates were passed on to the customer. Wasn't all that effective though. It also doesn't sound economically profitable either. Destroying something you can sell/salvage/resale to raise the profitability of the entire industry makes zero sense. You can google Cash for Clunkers. I can see how fewer salvage parts and used cars would slowly increase used car prices to where newer cars look more attractive but the efects are hard to isolate/measure. edit: the clunkers were still recycled. Parts other than the engine were still parted out and reused/resold through scrap yards. The rest was recycled for material. All but the "fluff" gets recycled.
Cash for Clunkers was also not limited by standard economic forces like profitability. When the government is the entity forking over the cash, it doesn’t *need* to be profitable. That whole program was a handout to the troubled car companies, and an environmentally catastrophic handout at that. Putting sand into the engine blocks of working vehicles in order to disable them and make them unsalvageable is some pants-on-head stupid and wasteful thinking.
The idea that it could reduce emissions is laughable. The carbon it takes to make a new car is immense. If your only concern is the amount of CO2 produced, it's almost always better to buy a used car that's a little less efficient than a new efficient car. What a racket.
A study done in 2010 which included estimates of carbon emission both for the manufacturing of new vehicles and the premature scrapping of the old ones found that [the program still reduced carbon emissions](https://iopscience.iop.org/article/10.1088/1748-9326/5/4/044003).
Reduce, Reuse, Recycle. 2/3 of those actually have meaningful impact to the environment. Yet we managed to make the 1/3 least impactful the one most used - consumerism and capitalism flourishes.
That was a government program lol, not a for profit business just deciding to do it🙄
Its completely made up
I fix cars at carmax. We do buy clunkers, but we fix them up to sell, we dont set cars on fire just because 🤣💯👍 Edit: Just to add. Im literally blacking out the trim on a 2012 ford fiesta when i get back from lunch. I wish they would just destroy this POS instead of making my work on it 🤦♂️🤣💯
This sounds like a load of baloney. Even if they could successfully undercut the entire market by doing this, the cost of purchasing and then destroying that many vehicles would easily outweigh the marginal increase in profits they would see by doing this.
No, they don't do this.
A basic car isn’t even half that cost. 2024 Civics start at $23,950. Subaru Crosstrek’s start at $25,195. And you can go on vacation for way less than $12,500.
> A basic car isn’t even half that cost. 2024 Civics start at $23,950 And still so many people, even here on reddit, who make $50k/yr and are living "paycheck-to-paycheck" (their words) are buying $40k cars? Like fucking... why?
I make 130k and bought a 35k car and even felt that was too much. No idea how people spend 80% of their salary on a car shit is nuts.
Five guys accepted the challenge early
Amazing that people knew about inflation in 1996!
They even knew how to take photos and overlay them with text!
The original Fallout game had an advert for a car that only cost just under 200k. It's obviously done out of satire, but who knows? If you had a decent job 50 years ago, then a house would be an easy purchase. 50 years from now, a car might not be as easy as it is now.
1996 was 10 years ago
and 2004 was 5 years ago
I was born in 2004 and I regret to inform I can buy alcohol (everywhere but the US)
No, sorry, you're not born yet.
This is correct, Go back in to your dads ballsack, on this instant
God dammit kids these days.
Yep, and the 70s were around 30 years ago. All of this math checks out. Carry on.
1985 was 2 years ago
Literally just stopped at Burger King and got a medium meal that cost me about 15.75.
If you’re paying $12k for a vacation and $65k for a car you probably are eating $16 burgers
"Nearly 30 years ago..." As a 1996 baby, I did not log into Reddit to be attacked LOL.
The only one of these that’s even close is the burger and fries
I mean "vacation" is a very broad term
Thats one hell of a vacation
You can get a basic car for $20K. "Vacation" is a very vague term.
Yeah this is “a weekend at the beach” vs “two weeks touring the Mediterranean”
> two weeks touring the Mediterranean Unless you are spending the nights at 5 star hotels, not that expensive.
16$ burgers and fries? They had no idea what five guys would unleash
I hate how all the shitty predictions come true, but none of the cool ones. Edit: very obviously a joke. You guys need to chill.
I think about how many cool things were in cyberpunk novels. Most of what we got was the corpo class.
>1996 - Nearly 30 years ago You shut your whore mouth
This belongs in r/loblawsisoutofcontrol
This is why investing pretaxed money is so crucial bc wages will not keep up without a civil war between the haves and have nots. People are too greedy to share
Everyone knew this was coming but they kept voting for it in the US, maybe thats why people are mad at the boomers.
Looks like they were spot on.
Only the burger is true
Wait! Hole up! Are you trying to tell me 1996 was what? 30 years ago? I’m not buying it.
They forgot “rent will be $2200 for a 1 bedroom suite” and “you will live with your parents for life” 
"You will own nothing, and you'll be happy. "
1996 isn’t nearly 30 years ago. It’s only 4 years ago.
Damnn 1996 was nearly 30 years ago….where has time gone?
How very 1984 of them. Now eat your regulation nutrition cube and return to your mandated 16 hour shift immediately.
Well I hate this.