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#tax saving for salaried
thetaxguyin · 6 months
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House Rent Allowance (HRA) under the Income Tax Act of 1961
House Rent Allowance (HRA) stands as a significant component of salary for many employees, offering tax benefits under the Income Tax Act of 1961. Yet, understanding the intricacies of HRA and its tax implications can often be perplexing. In this blog post, we delve into the fundamentals of HRA, providing clarity and insights to taxpayers. Understanding House Rent Allowance (HRA): What is HRA?…
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investmentspect · 11 months
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financeloan09 · 1 year
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How to save tax from salary
Are you looking out for ways to lower the tax burden from your salary income. Fret not! We bring you an easy guide on how to save income tax on Salary in India.
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safe-money · 2 years
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techminsolutions · 2 years
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Understanding India's New Tax Regime: Benefits for Earners Above Rs 15 Lakhs
In the past few years, India’s tax laws have changed a lot. These changes were made to make the system easier to understand and to offer lower tax rates and fewer exemptions. According to Nitin Gupta, head of the Central Board of Direct Taxes, the new tax regime, which is now the default option, is expected to provide numerous benefits to individuals earning more than Rs 15 lakhs. In this…
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If you or anyone you care about is relying on:
Food stamps/SNAP/EBT
SSI/SSDI/social security
a tax refund not yet received as of May 2023
a government employee salary
Medicaid
Medicare
Pell grants that have not yet been disbursed
Or anything else paid out by the US federal government—
You need to be aware of what's happening with the debt ceiling!
Because any or all of the items listed above might not be funded right away in June 2023.
The US government is increasingly looking like it will run out of money on or around June 1st, and no one has yet made the rules about which bills WILL get paid when that happens.
The usual way the gov stops this from happening is being blocked by Republicans who insist they won't let the problem be fixed until programs keeping people alive are cut. (They won't cut corporate subsidies though.)
You and people you care about could be impacted by this.
Please save back any money you can, fill your prescriptions now, and look up news about the debt ceiling.
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sailorstar9 · 1 month
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My Stepsister Seduces My Husband, But What She Doesn’t Know Is That...
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F/N and Zhongli had their wedding shortly after the Lantern Rite Festival.
Everyone thought F/N found a handsome man, not knowing the truth. They were all deceived by his chiselled face and body; F/N's step-sister was one of those deceived. Because no one, save for the Adepti in Liyue Harbor, knew that Zhongli was the Prime Adepti.
After the most recent 'Rite of Descension', he started to work at the Wangsheng Funeral Parlour as its consultant.
A few days after the Lantern Rite Festival, F/N brought Zhongli home to visit her parents. They brought along three large boxes of gifts along with Gaming and a fellow guard from the Transport Agency. It was Zhongli first meeting with his wife's family.
The presence of Zhongli and the two Transport Agency guards scared F/N's biological father and stepmother.
The dinner table was set after Zhongli paid Gaming and his partner for their services.
F/N's step-sister, dressed to the nines, kept helping Zhongli to food, trying to impress him. “My sister is merely a junior tax agent working at the Ministry of Civil Affairs. And yet she found such a wonderful man like brother-in-law. I envy her; unlike me who works hard training under Director Yun every day, afraid to eat more just to maintain my figure. I might be able to perform alongside the Director some day and may not even find a partner as good as brother-in-law.” she sighed, showing off by pinching her slim waist.
F/N's step-sister, Zhen Yu, was brought by F/N's stepmother; their two families were from divorced and remarried families.
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A few years ago, F/N's mother died from a rock slide while working at The Chasm. Shortly after that, F/N's father quickly got together with Zhen Yu's mother after a meeting with the marriage broker.
Ever since Zhen Yu entered the household, the two step-sisters never got along. Zhen Yu especially loved competing with F/N. When Y/N pulled her hair into a bun with a hair stick, Zhen Yu would also bun up her hair the next day with an extra hair stick. When F/N was thirteen, a boy from the neighbourhood gave her a love letter. Zhen Yu then intentionally wore a floral dress in front of him and claiming F/N was dirty and didn't bathe. Seeing the boy flee from embarrassment, Zhen Yu smirked to herself. Later, when F/N approached Yun Jin for an apprenticeship, Zhen Yu followed suit and applied. She cried pitifully, saying she didn't dare to ask for much. And if her real father was around, he would definitely be willing to send her.
The Yun-Han Opera Troupe apprenticeship fees were very high and the family could only afford to send one person.
F/N's father, feared being accused of favouritism by his new wife, sent Zhen Yu to Yun Jin.
F/N gritted her teeth and started working, using the Mora she saved from her salary to pay for her way through law school.
Later, when F/N brought a classmate home to introduce him as her boyfriend, Zhen Yu also stole him from F/N.
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At this moment, when Zhongli heard Zhen Yu's words, he put down his chopsticks with a bang. He frowned slightly but didn't say anything, just overturning his bowl on the table. “My apologies.” he started. “I don't like anyone, except my wife, serving me food. I'm disgusted by the saliva.”
Zhen Yu was stunned, her face flashed with embarrassment. She looked at Zhongli plaintively, “I'm not a stranger.” she whined.
Zhongli did not say a word and just pointed his knee with a finger. “Move your feet under the table away from my legs.”
F/N peered under the table cloth, noticing Zhen Yu's foot was reaching under her chair to try and touch Zhongli's leg.
Zhen Yu was instantly dumbfounded; after all, this trick of hers always worked. It's not something a normal person would point out directly. Seeing everyone in the family glance at her, she was so embarrassed that she quickly explained, “Brother-in-law, have you all misunderstood something? If you don't like me serving food, it's okay. I know my sister is usually petty, but I really don't mean anything by it.”
F/N's step-mother immediately spoke up, “Mr. Zhongli, this is Zhen Yu's goodwill. She usually looks down on everyone, never being so gentle and caring. It's just a kind gesture. Did F/N say anything to cause you to misunderstand?”
F/N father also chimed in, “Our table is small. Bumps are inevitable. Don't think so much about it. Zhen Yu is just caring for her brother-in-law.”
As F/N watched her father's and step-mother's behaviour, she couldn't help but sneer. Zhen Yu had done this kind of thing not just once or twice; they had always turned a blind eye and they weren't any different now.
As soon as they finished speaking, Zhongli unbuttoned the top button of his suit with a somewhat amused smile. F/N was about to get angry at her father's words, but he patted her shoulder. Then, he manifested a sharp Geo shard from his palm. Letting the shard twirl above his palm, he said, “F/N has told me everything about the family. Let me make it clear to you all. F/N is my wife. If you still want to bully her in the future, don't blame me for being ruthless.” snarling at the three of them after he dispelled the Geo shard, he added, “Respecting you as F/N's parents, I won't speak any dirty words. If you don't want trouble, don't let your attention wander to my wife.”
F/N's father opened his mouth, his face red with rage, wanting to say something, but he knew he was helpless against a Vision user. Infuriated and trembling, he yelled, “How dare you... how could you find such ruffians?”
F/N simply cleared her throat and grabbed Zhongli's arm. “Ruffians? Dad, don't talk nonsense. Don't you know Zhongli is a renowned consultant at Wangsheng Funeral Parlour?”
Zhen Yu and F/N's step-mother's faces turned so ugly it could have dripped ink. They probably couldn't continue eating that meal.
Zhongli didn't say much as the conversation had ended. “it's getting late.” he started. “You should rest early. I'll take F/N home.” with that, he wrapped his arm around F/N's waist and walked away.
Turning back to her childhood home as she and Zhongli walked to the walk path, F/N saw Zhen Yu glaring furiously. F/N, it's not over between us. She swore. I must have your man. There's no cat in the world that doesn't steal fish. Just you wait and see.
“Looks like my step-sister has set her sights on you.” F/N turned to Zhongli.
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F/N was surprised when her father paid her a visit at her workplace, bringing ham to apologize.
“Your mother's favourite was ham, you know.” F/N's father spoke, picking a piece of Minty Meat Roll at Wanmin Restaurant at lunchtime.”
“Alright.” F/N sighed, knowing her father's underlying intentions. “Here's the address.” she wrote down her current lodging address on a piece of paper.
“Let Zhen Yu bring them over to you.” F/N's father suggested. “She also wants to apologize to you.”
Using family ties to deceive me. F/N wondered after her father left the restaurant after paying for his share of the meal. Was it just a ploy to get Zhen Yu my address? It seemed like my sister hadn't given up; still determined to win Zhongli over.
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Sure enough, that weekend, Zhen Yu showed up at F/N's door, knocking. She was dressed in a figure-hugging qipao and high heels.
Seeing F/N answer the door, she hesitated for moment, collecting her flirtatious look. “Your place is hard to find. My feet ache from all that walking.” she whined.
“Then, why don't you hire a transport agency?” F/N was not amused.
“How could I?” Zhen Yu complained. “I've come to apologize in person. I wasn't being polite the other day.”
Then, she simply entered without taking off her shoes and gave a glance around. “Is Zhongli not at home?”
“He's out getting bamboo shoots.” F/N answered, just as Zhongli came in with several bamboo shoots in a basket.
As soon as he saw Zhen Yu, his eyebrows farrowed and he gave F/N a questioning look.
“I couldn't help it.” F/N shrugged. “She sticks like glue.”
Zhen Yu's eyes lit up when she saw Zhongli. She practically skipped over, but before she could take a few steps, she tripped and fell in front of the married couple. She rubbed her legs awkwardly, “I think I sprained my foot. Honey, could you help me up?”
“You're an adult and you can't even walk properly without tripping on flat ground.” F/N chided. “Maybe you should get checked up at the Bubu Pharmacy.”
Zhen Yu pouted when Zhongli just walked over her and into the kitchen.
“Why bother with her?” the Lord of Geo looked at his wife as they prepared ingredients for Oncidium Tofu.
“She's like a rush that you can't shake off.” F/N replied, slicing the tofu.
Zhen Yu, feeling awkward, noticed that neither of the couple were paying attention to her. After a while, she picked herself up before darting towards the kitchen. “Is Zhongli the one who cooks at home? It must be hard for you; working to support the family then coming home to cook for my sister. When I have a husband, I won't let him cook for me. Cooking is women's work. Men shouldn't be in the kitchen.”
Zhongli poured himself a cup of Chenyu Brew, blew across the tea cup and took a sip to calm himself down. Rolling up his sleeves, he downed the entire cup, revealing his entire sleeve tattoo. “What's on the menu tonight? Let's cook this.” he looked coldly at Zhen Yu.
“Cook...” Zhen Yu stuttered, her face turning pale at the golden diamond-shaped tattoos decorating Zhongli's arms. “In our house, both of us handle the inside. Do you have a problem with that?”
“I don't have a problem.” Zhen Yu stammered. “I just feel sorry for my sister. It's not easy for you.”
“You're not someone to me.” Zhongli replied dismissively. “Why should I pity you?”
F/N pulled the still shell-shocked Zhen Yu away, “It's better to just give up. Not all men fall for your tricks.”
“Wasn't my brother-in-law just joking?” Zhen Yu recomposed herself with a forced smile as she prepared to leave F/N's house. “He's really funny.”
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“Don't worry, mom.” Zhen Yu assured her mother once she returned home. “There was a small mistake there. There's no man I can't handle. I'm set on winning Zhongli and making F/N miserable. You didn't visit their house. You don't know they live in a house bigger than ours and they have more antiques than us. It's just her husband seems a bit off but rich people all have their quirks. It's normal. F/N is not as attractive as me. Why should she have such a good husband? She must have tricked him. Wait and see. I used to steal all her boyfriends. Now I will steal her husband too. Men are all the same.”
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“Now, what is this about the ex-fiance of yours?” Zhongli breathed, the couple were cuddling in bed after a night of lovemaking.
Acting upon Zhen Yu's instigation, F/N's former fiance had harassed the couple during lunchtime.
“He's just a cheating scumbag that's not worth mentioning.” F/N replied. “We cut off any contact a long time ago. Zhen Yu is bothering you, not me.”
“So, someone's still yearning for your husband and you're not jealous?” Zhongli quirked an amused smile.
“Of course, I get jealous.” F/N playfully poked Zhongli's bare chest. “But I know not everyone can seduce my man.”
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Days later, F/N's relatives begun to gossip about Zhen Yu's dismissal from her apprenticeship. She had bullied her fellow junior troupe members and attempted to seduce the troupe elders' sons to get more prominent roles which backfired when Zhongli made a formal complaint of her misconduct directly to Yun Jin. She was permanently expelled from the opera troupe, ending her dreams of performing alongside the troupe director.
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The thing that gets me so worked up about universal healthcare is how people say that it will be so expensive for the tax payer.
This is long rant warning so I added a break lol.
The TLDR is that even in a low tax state like Florida, someone making 50k a year will have an effective rate of of 32% (for taxes, healthcare, costs for an undergraduate degree).
Someone making 50k a year in a 'high tax' country like New Zealand has an effective rate of 21% (for taxes, healthcare, costs for an undergraduate degree).
For an American and a Kiwi with the same salary of $50k, if they have the same disposable income, the Kiwi will be able to save an extra $75,000 over 10 years that they can use for a downpayment on a home to further build wealth.
Low tax states just have the costs shuffled to other places, you end up paying a LOT more for the same services.
Here's a comparison of someone who makes $50,000 a year in New Zealand and Florida (I chose Florida as an extreme example because they have 0% state tax rate) and each person makes $15,000 worth of purchases that are taxable.
New Zealand
$7,658 in combined income taxes and levies
$2,250 in taxes on $15k of purchases (15% sales tax)
Total of $9,908 - an effective total rate of 19.8% paid to taxes and purchases and healthcare
Florida
$7,945 in combined taxes (federal taxes, social security, medicaid etc)
$1,050 in taxes on $15k of purchases (7% sales tax)
$1,700 average annual health insurance premium for Florida
$2,060 average annual health insurance deductible for Florida
Total of $12,755 - an effective total rate of 25.5% paid to taxes and purchases and healthcare
Even in a low tax state, you're already have less take-home income than someone with the same salary in New Zealand.
But
... in New Zealand with your taxes you're also getting public education. It's not completely free, but costs are fixed, and you get one year of your undergraduate free, so for example a Bachelor of Arts would cost a total of $13,548 (USD $8,347)
If you can't pay that upfront, you can get a 0% loan from the government, which you don't need to start paying off until you earn at least $23k per year. For someone making $50k that would be an extra 6.5% deducted from your income ($270/month) until the loan is paid off (which would be 2 years and 8 months).
In Florida the average student loan debt is 25k and if you're making the same payments as someone in NZ ($270/month) then you'll be paying that off for 11 years. [Note: I believe that some private loan interest rates go as high as 15%].
Bachelor of Arts in NZ $13,548, paid off over ~2.7 years.
Bachelor of Arts in Florida $35,539, paid off over ~11 years.
So lets look at effective payments over 11 years (for simplicity salary stays at 50k).
New Zealand works out to be 21% effective rate over 11 years (including taxes, healthcare, and undergraduate degree).
Florida works out to be 32% effective rate over 11 years (including taxes, healthcare, and an undergraduate degree) - you're paying 52% more!
That means someone with the same income will effectively be able to save an additional $5,000 per year over 11 years, if they invest that extra amount and get a 5% return, the New Zealander will have savings of about $75k which they can use for downpayment for a home etc.
In conclusion, even though it may seem like you're getting a good deal in a low tax state like Florida, you end up paying soooo much more in healthcare and education costs compared to a country where taxes are a little higher, but you get public healthcare and education.
Why is the U.S. so expensive? Well once place to look is defense, intelligence, and police. In the United States this costs on average $3,700 per person. New Zealand spends $1,600 per person (USD ~1,000).
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saturnsquest757 · 1 year
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Astrology Observations 1.
This is my first time please don’t judge.
I’ve noticed Pisces usually are the self proclaimed, “different and special beings” instead of Aquarius. Pisces Sun and or Venus will openly state how different they are.
A Sagittarius is the easiest zodiac sign for me to spot. It’s just so… obvious??? Even when they’re not the usual extroverted type there’s always this energy of a free spirit.
Scorpio risings are secretive but only for a period of time. Once you get to know them they usually open up. Scorpio moons however… are usually always private/secretive no matter the time frame of knowing each other.
I’ve experienced Virgos being so hypercritical they become hypocritical. Virgos have high expectations of others and themselves, but usually others cannot reach them. They also cannot reach their own standards. Considering, their a mutable sign this is why they can be critical but not back it up with constant action. Their expectations and perception is consistently changing, but still manages to remain high.
Ok… Cancer rising/moon/mars usually moody asf. No chill vibes. Very strict on comfortability and not like fixed signs comfortable. More so a nostalgic feeling or certain things needed to fulfill an emotional need. If those things (people,places,objects) change drastically there is a difficulty to move forward. If anything goes outside of a routine they get very upset.
I wish I could say one sign seems more emotionally mature than the other. I’ve met so many people with all different types of placements and most were emotionally stunted in some form and there were no similarities. So I think being toxic and or unhealthy can happen no matter the natal chart.
I have Neptune 1° degree away from my ascendent🥲. Neptune in the first house/conjunct ascendent is not an easy placement. Very creative. Very unrealistic. A strong and growing imagination. Head in the clouds. Projections. Projections. Even the movements I make with my body or face usually get misinterpreted. Can have a distorted perception of physical form. When Saturn was transiting my 1st house I lost a lot of weight, but I didn’t seem to notice how skinny I looked. People would make commentary and I thought I looked fine. Looking back at photos I realize how malnourished and skinny I was. Neptune in the 1st can also cause a tendency to be addicted to anything. Most would say drugs, but for me it’s usually any hobby that can allow an obsessive escape from reality. Low self esteem can be present considering the elusive nature of the self.
Saturn in the 2nd house folks struggle with making a higher income or a comfortable salary throughout their life. However, Saturn in the 2nd is good with being frugal and budgeting. Usually can save really easily with this placement unless Saturn is severely debilitated.
Venus/Mars in Pisces and being attracted to someone weird, eccentric. They don’t have a consistent type and can date all different types of people.
Mars conjunct Venus aspect I’m so jealous and I want. People with mars conjunct Venus can be very attractive and flirty. Usually a chick/guy magnet. People fall in love with them easily. Attract a lot of attention in some form.
Chiron is very important in the solar return chart. Whatever house it is in will be healed but also broken down and injured in some way. Or there could be a discovery of a wound depending on what house will change the description. Ex:Chiron in 7th, struggle in partnership, may break up with current partner, attract difficult/emotionally stunted individuals. Chiron in the 1st can struggle with intense amount of doubt and low self esteem concerning the body and how they show up in the world. I do believe in a solar return chart the house Chiron resides in either heals in some form or the individual learns a pivotal lesson by the end of the year.
8th house synastry is emotionally taxing. I have this with my mom and other friends and it’s a lot. 8th house synastry usually there’s a obvious power dynamic. Or one person is more obsessed/attached than the other. 12th house synastry can also have unequal dynamics however I do think both individuals will feel a pull towards each other(whether they admit it or not). 12th house synastry although elusive has the potential to make you feel great comfortability and unconditional love.
Venus conjunct mars in synastry wasn’t all that for me. It felt superficial and we mainly connected on a sexual level.
Why does NO one talk about moon conjunct moon in synastry. I love it and it’s nice!! Depending on the moon I guess opinions can differ. However both people’s emotional waves will be similar and easily understood by the other. Allowing an easy process of being seen and heard. I connected deeply with men and women that I had this aspect with. It is sad and painful when the relationship ends because there’s a mutual understanding of each other.
9th house synastry is dope and I wish I experienced it more. There’s an opportunity to learn something or you are more open to learning new things from the other person. Depending on what planet/zodiac sign/ degree it can show what topics tend to expand in the presence of a 9th house intruder. Also morals can be similar or the same on politics, social issues, etc.
Mars in the 4th house synastry is hell. I don’t like it usually the mars person brings disruption or change in the home in some way. They can without trying cause emotional distress or upheavals in the 4th house person. Obviously if mars is strongly and comfortably placed I think this can lessen the effects. Such as if it’s in its domicile or exaltation. However if mars is struggling on it’s own in the natal chart I do think it’s a red flag 🚩. Considering the 4th house is the most sensitive and hidden house.Technically your ancestral background and emotional well being resides in the 4th house which can trigger a whole lot of things.
Usually people see 4th house as good because it’s home and family. However if your family lineage has generational trauma this area can be a trigger landmark. This is the house of your deepest, habitual characteristics that only come out when comfortable. It’s also traditions your family upheld which can be any… kind not just the standard example. Such as tendencies of toxicity or unhealthy habits that linger from previous generations.
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turtlesandfrogs · 4 months
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So, here's the problem: the longer I work in gardening and landscaping, the more I care about the ecological impacts of native plants, and the less I care about aesthetics. Which is a problem, when most clients' primary concern is that their yard looks nice. Which, fair, I just don't care as much about it as they do and I feel like I could be making a bigger impact than I currently am.
So I'm thinking of quitting this job and going one of two entirely different directions, and for some reason it's rather hard to choose.
Option A is starting my own native plant nursery, which would focus on small (4 inch and gallon pot sized) native plants, with a focus on plants that are most important for native pollinators (especially those that are endangered or threatened where I am). There's some competition, but mostly at selling-to-landscapers level and not retail, and I'd want to focus on retail sales.
Option B is to get a job with the state doing some kind of ecological restoration work. The problem with that is my bachelor's degree is over a decade old and I don't actually have the kind of experience to put on my resume that would likely convince them that I can do the work (unless a combination of teaching and being self-employed as a gardener that helps people incorporate native plants and removes invasive species counts, which maybe?). So I'd probably have to take a lower level job and one that's further away to get in, and then work my way up.
Option A has the upsides of: completely setting my own schedule, getting to work with plants most of the time, getting to work with my partner, flexibility to decide I want to start teaching classes again or something. It has the down sides of having to do taxes multiple times per year, and not being guaranteed to work, and either needing to take out a business loan to get started or work at a day job to fund starting it up. Also if it fails I'll have to get another job without have professional references again, which yikes.
Option B has the upside of once you're in state work, it's way easier to get other state jobs so if I burn out of one job, I can hop to another relatively easily, will almost certainly make more money, comes with health insurance and retirement savings, and is likely the more stable option. On the down side, it would mean working 40 hours a week without getting to pick my schedule and it would be harder to take time off than it is now, I'll have to work my way up to a comfortable salary, and there's a lot less autonomy than when self employed. But I'll also have professional references out the wazoo, so finding new jobs should be easier?
One of the things that concerns me is I have ADHD and up until teaching, the longest I ever stayed in one job was almost 2 years. I taught for 4 years, then was self-employed as a gardener for 4 years, and now I've worked for this landscaping company for just over a year (and am grumpy about a) not making much money and b) aesthetics and only providing services to people who can afford us, rather than say, improving the environment for everyone). So I'm actually kinda afraid that if I started the native plant nursery, I would get sick of it after less than 5 years and be starting from scratch again. Whereas with a state job, I can pop over to a new job fairly easily. On the other hand, maybe I'm just doubting myself too much because all of those other jobs were actually really bad matches for me.
Anyway, my brain is going in circles over this. I mean, really, part of me thinks I should stay at this job even though it doesn't pay much compared to what I could make elsewhere (I have learned a lot though, which can be transfered to other jobs) just because it's so low stress compared to any other job I've had in the last decade & because the people are great and the work isn't bad. It just galls me that occasionally clients have ideas that I strongly disagree with, like cutting down a very nice magnolia tree because "it's too big" and I just have to do it because I'm an employee now. Ugh.
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zahri-melitor · 21 days
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Still speculating on 'where did the $50,000 go' as far as Jack's debts. Because.
We know Bruce is quite willing to give Dick and Tim, in particular, access to money in a manner that doesn't offend them (selling the Redbird for $50,000? Dick's famous 'inheritance' from John and Mary that just happened to be worth far more than his parents likely had unless there were serious life insurance policies?).
$50,000 was more than the median US household income for 2002 (which was $42,409), and it was tax-free. In terms of a cash injection into the household budget, it presumably was more than enough money for Jack to be meeting his regular debt payments for the loans for months or potentially even years. It would have covered Tim's school fees for at least a year, so he wouldn't have had to be pulled out. It was 'your debt issues don't need to affect your son's lifestyle outside of moving house' sort of money.
And what happens to that money? They give some of it to Mrs Mac to pay for her flight back to Ireland, and then the rest of it just...goes, but doesn't seem to change the situation in terms of how much of a financial hole Jack feels that he's in. (And again, if the Bristol house was owned outright, that was a far bigger contributor to fixing this problem).
That was the sort of money that Jack should have had as a savings nest-egg for emergencies, given their family situation.
Is that $50,000 doing what Bruce clearly intended it to do, and servicing Jack's debts for the next 6 months or so until War Games and Identity Crisis hit and he dies anyway, and anything further ends up being sorted out by his deceased estate? So Jack's supporting his family on the money brought in from Tim's car? (Plus Dana's salary, but it's Jack's lack of income that has caused this situation).
Did Jack throw it all onto the principal of the loans or into an offset? So while it was bringing down his loan repayments it wasn't actually helping with the problem of the family getting by until Jack found work?
And even after Tim has just contributed FIFTY THOUSAND DOLLARS to the household bottom line (plus the savings on not paying insurance premiums for a 15 year old's vehicle, plus whatever he's sold online for Jack, because Jack just wanted to have a garage sale and would have lost even more money that way), Jack has the hide to go 'and Tim can get a job' about their finances.
Why don't you get a job, actually, Jack. Not your 15 year old who you just pulled out of school before the end of the school year. He's already contributed more than he could earn in multiple years as a kid, by selling his beloved car.
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financeloan09 · 2 years
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peachymcqueen · 1 month
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HC that although Lightning is *technically* a multi-millionare, most of the time, he's broke asf – especially in the early days of his career. While he definitely receives a hefty paycheck from prize money, sponsors, and advertising, most of it goes directly back into racing – the engineering, the equipment, maintaining the car, etc etc. Just fixing up the 95 after one race alone can cost hundreds of thousands of dollars.
So while Lightning is on the glossy cover of 'Forbes list of youngest millionares,' he is still struggling to repay the $16 on his credit card for some tacos and iced coffee he bought 2 weeks ago.
On the other hand, Doc is absolutely LOADED. Lightning didn't expect it, but it makes sense when he thinks about it. He's been a doctor and a lawyer most of his life. He's been making BANK while having little to no expenses and he's been saving up for essentially 50 years with nothing to spend it on. Throw some of that money into a few investments, sit on it for 50 years, and boom – Doc is essentially the wealthiest person within a 100 mile radius. And that's not even considering the hefty pension he would receive as a retired judge, the fact that he is probably the only doctor with a clinic in the whole region, and his crew chief salary. 
Doc learns about Lightning's... umm... impecuniosity when he is stuck with him on a shopping spree in LA after a race. The kid is trying to buy a simple pair of shoes for a sponsor event that evening. His card declines and Doc watches him rummage through his wallet and fumble with his credit cards in front of the exhausted cashier before stepping in to save him the embarrassment.
––––––––––––
Cashier: that will be $149.99.
Lightning: uhhhh ok i got *checks pockets* 5 bucks. wait– i have my card though, just gimme a minute i need to transfer some money and i'll just–***DECLINED FOR INSUFFICIENT FUNDS*** oh haha wrong card. sorry, lemme just–
Doc: *sigh* ... move out of the way.
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Lightning: i'll pay you back next week, i swear.
Doc: i know you won't.
Lightning: ...
Doc: it's fine.
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This ends up turning into a pattern, but Doc’s fine with that. He knows he has more money than he can spend in this lifetime and he’d rather spend it on the kid and the town than have it go to his estate after he dies or god forbid – pay more tax. 
What Lightning doesn’t expect is to receive a customised red Corvette for his birthday one year. He doesn’t even want to imagine how much it’s worth. 
––––––––––––
Lightning: what idiot parked their car in our driveway? 
Doc: it’s for you. 
Lightning: ME?
Doc: the keys are on the table. 
Lighting: but how did you–
Doc: at least you’ll stop begging to use the Hornet now. 
––––––––––––
Lightning: where on Earth did you get all this money by the way?
Doc: that’s classified. 
Lightning: huh? 
Doc: don't worry about it.
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vide0-nasties · 1 year
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Going to be rambling insanely about Ghost and probably what his feelings on the monarchy would be, coming from one deeply damaged povo to another.
Anyway, specifically around the time the parasite in chief in her idiot hat (thanks Eccleston lub u) died and passed said idiot hat on, I was seeing a lot of (fun and gentle-ribbing, mind you!) posts about Ghost getting razzed about the queen croaking and maybe him being sad about it or something - I don’t really remember bc I have shit for brains and I just latch onto what bits my adhd will allow.
SO. I really don’t think Bruv Innit gave two shits about Liz buying the farm, bc he grew up working class in a working class town to a drug addicted, drug peddling dad, and a fairly nondescript mom who likely didn’t have a way to get her and her kids out of that shit situation (per ‘09 MW lore and some presumption). I imagine dude was dragged around a shitload of council estates and his dad’s friends’ shitty crash pads, no stability whatsoever, where food insecurity was a big ass forever-looming deal, mom had no idea if her 20 year old vauxhall was going to make it another trip to her minimum wage part time job, and school was forever on the back burner bc when it came to school supplies/trips vs eating and keeping the lights on. You can guess which one won.
If we’re also going with him being about 35-40ish, he would’ve been 10-12ish or so around Diana’s divorce and then her death. So, here’s this starving, horrendously abused kid, with his starving, horrendously abused mother and little brother, drowning in a system that is pretty much just letting them sink to the bottom, nothing is being done about the evil sperm donor that ruins everything for them, and he’s obliterated constantly by TV coverage and tabloids and radio DJs talking about this goddamned family’s stupid fucking drama. Charles cheated, Diana left, her poor boys in their fancy private schools with their endless wealth and glowing skin and brand new clothes that don’t stink of consignment shops are sad.
Sorrows - sorrows, prayers. 🫶
It’s a story he’s seen countless times, the only difference is money and coverage. And, realistically, the women in the stories he knows aren’t killed in car wrecks, they’re killed by their infuriated husbands who think they’re owed something catching up. Maybe that’s why his mom doesn’t leave the cocksucker that trapped her, she could’ve ended up another council house Diana that no one gave a shit about.
He grows up, becomes a butcher’s apprentice, joins the army. Straightens his brother out, makes sure his mom is set up nice, finally beats the shit out of his dad. And all the while, there looms the most fucking pointless, parasitic family in England: living off taxes taken from the public, god knows how much land and how many castles, even owning all the fucking swans on the island.
Relics, vampires, leeches.
But, you know, twenty years down the road, he’s pushing 40, his services to the country are done in the dark, the family he tried so badly to save were brutally cut down anyway, and when he goes to Tesco, the price of a fifth of piss Smirnoff is insane, and he’s still got Soap swimming in his head mid-rant bc his mam’s fucking knee replacement appeal has been denied for the third time and she can’t even walk anymore, Gaz is moving for the second time in a year bc he just can’t afford to live close to his parents even on his salary, meanwhile there was a stretch where it looked like Philip was surviving solely by being pumped full of virgin blood and straight stem cells.
So, yeah, if anything he probably said cheers when the news broke and cracked a couple extra jokes that day.
“What d’you call one dead Windsor? A good start.”
Edit: This is picking up some traction. @50cal-fullauto-astarion is my CoD blog if you like my Call of Bullshit stuff, this is my main and I don’t really go into CoD here
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llama-named-pizza · 2 years
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Anyone talking yet about how Elon fired someone right after publicly mocking him, and for what? Asking Elon for some contact after being ignored for days?
Meet Haraldur Ingi Þorleifsson. Born in 1977 with a genetic congenital muscle disease that forced him to use a wheelchair since age 24. That didn't stop him, though. In 2014 he founded the company Ueno. Ueno was a company that designed digital brands for various companies. The company was pretty successful, since it won various awards and Haraldur was named Icelandic businessman of the year in 2019. You can see more things he's done on his website - http://haraldurthorleifsson.com/
In 2021, Haraldur sold his company to Twitter. Not just that! He sold it as a salary so that he could pay higher taxes. He ended up paying the second highest tax in Iceland for that year (for an individual).
Outside of his company, he also aided in a project called Ramp Up Reykjavík, the intention of which is to help in installing wheelchair ramps around the city for better wheelchair access everywhere. After the success of the first project, a second one called Ramp Up Iceland was launched, with the intentions of building 1000 ramps around the country. This seems to be the site for the project - https://www.rampur.is/ - it would be great if someone who knows Icelandic can help with explaining how to donate to it?
He also created Bueno, a project that, by his own words, "a non-profit that donates money to good people doing good things". He was given The Order of the Falcon by the president of Iceland, the Icelandic medal of chivalry for contributions to social issues. He was Person of the Year in Iceland in 2022. Honestly, there's probably even more.
And this is the person Elon Musk decided to take the mick out of.
Queue March 6th, 2023. Haraldur tweets out to Musk.
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[id: Dear elonmusk,
9 days ago the access to my work computer was cut, along with about 200 other Twitter employees.
However your head of HR is not able to confirm if I am an employee or not. You've not answered my emails.
Maybe if enough people retweet you'll answer me here?]
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[id: Elon Musk: What work have you been doing?
Haraldur: I would need to break confidentiality to answer this question here.
If you have your lawyers share in writing that I can do that then I'd be happy to discuss that openly!
Elon Musk: It's approved, you go ahead.]
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[id: Two consecutive tweets by Haraldur: Among others:
- led the effort to save about $500k on one SaaS contract. Supported closing down many others
- led prioritization of design projects across the company to make sure we were able to deliver with a small team
- led design crits to help level up design across the company
- was hiring manager for all design roles
- worked on efforts to steer the company away from focusing on power users and on to younger users (because our user base is aging)]
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[id: Elon Musk:
- Level up from what design to what? Pics or it didn’t happen.
- We haven’t hired design roles in 4 months
- What changes did you make to help with the youths?
Elon Musk: Would you say that you're a people person?
Attachment to the second tweet: A YouTube video named "What would you say...you do here?". The video depicts a conversation between two men, presumably higher ups, and a third man, presumably someone who works at the company. The conversation is condescending towards the third man, implying his job (a type of customer service) is useless. The video ends with the third man outbursting "What the hell is wrong with you people!" before he leaves the room - based on his body language (looking down when he almost bumps into a colleague), it is implied that he was fired.]
There are other threads with the two conversing, this one is the most notable though as this seems to be when Haraldur learns he is fired. Musk later attempts to imply that Haraldur didn't work, saying that Haraldur "claimed he had a disability that prevented him from typing". As I mentioned above, Haraldur has a disability that forced him into a wheelchair. This same disability is slowly forcing Haraldur to lose strength in his upper body and arms. Not to mention, you don't need to type to work, mister "Lines of code matters". Newsflash, people can do work without typing. Musk thinks he's the only one who can do work without typing, I believe.
It's unknown (to me) if Haraldur was fired during this exchange or before it. At any rate, don't forget that Haraldur was on a "Don't Fire" list, yet Musk still laid him off.
And definitely don't forget that Musk seems to be avoiding paying him.
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[id: Tweet by Haraldur: But ok, fair enough, I've been laid off and I'm ok with that.
Next up though is finding out if Twitter will pay me what they owe me per my contract.
Or, will elonmusk, one of the richest people in the world, try to avoid paying?
Stay tuned!!]
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racefortheironthrone · 9 months
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On the subject of UBI, I always ask about the MCU UBI: Tony is a billionaire who lives a life of luxury, Bruce has a serious chronic illness that requires expensive medical care, and Trevor just wants to sit round all day drinking and doing drugs. I take the UBI guys more seriously if they can say what each man gets from a UBI.
That's a somewhat odd choice of characters to think about how a UBI would function in the MCU.
So yes, Tony Stark would get a UBI. Relative to his private income, his UBI check would be totally inconsequential - and given the level of taxation needed to support a UBI, it's pretty much guaranteed that Tony would be paying far more in taxes than he would be getting back in UBI payments.
This is not an accident or a mistake or a flaw in the system; this is how a healthy social policy should function. When Social Security was established in 1936, FDR made a big deal of the fact that even John D. Rockefeller would get a Social Security check - because it hammered home the point that everyone contributes, and everyone benefits. Reciprocal solidarity would short-circuit the divisive politics of distribution and redistribution and cement a permanent majority coalition in support of a universal welfare state.
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Bruce Banner would also get a UBI check. Now, his financial situation is a little unclear - originally, Banner was a top research scientist at Culver University with U.S military contracts, so he would probably have been in the top 10% of incomes (affluent but not wealthy). After his transformation into the Hulk, however, Bruce was a wanted fugitive with no way of earning income.
After that, Bruce was an Avenger - and this is where things get odd. As established in Falcon and the Winter Soldier, Avengers in the MCU don't get a salary: Tony gave them free housing and paid their Avengers-related expenses, but Sam Wilson notably relied on his veteran's pension and government contracts for his living (thus why his banker could justify turning him down for a small business loan rather than admitting to structural racial discrimination) and Steve Rogers even with his veteran's benefits, Social Security, and SHIELD salary couldn't afford a place in Brooklyn. This means that, while Bruce doesn't need to worry about money for his research and can save on rent, he does actually need the UBI for everything else.
This is very different from in the comics, where Avengers get quite decent salaries:
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$4k a month in 1983 dollars works out to around $150k a year (on top of free housing at the Avengers Mansion), putting them solidly in the top 13% of U.S personal incomes.
As for Trevor Slattery, I feel like your description is unfairly characterizing a working actor. Slattery was not a major success in Hollywood - hence why he took Aldrich Killian up on his job offer and became part of a criminal conspiracy - and he does have some serious substance abuse issues, but what he does in his private life is his own business. Hell, even when he was abducted by the Ten Rings, he kept working as an actor. That being said, Trevor is going to have a hard time getting UBI, both because he's a wanted fugitive and convicted felon (which would end his eligibility in the U.S) and because he's now living in a rural village in another dimension.
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