Author Topic: Things that annoy you  (Read 8700 times)

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Sofia

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Re: Things that annoy you
« Reply #240 on: February 27, 2019, 02:47:40 AM »
When turmeric is in the dark tin but pepper is in the orange tin.  Brand names, too.

Sofia

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Re: Things that annoy you
« Reply #241 on: February 27, 2019, 03:39:16 AM »
How come working class people have to pay about 300% interest on a 2 week payday loan but employers borrow all their employees wages for 2 weeks and don't pay us any interest at all?  The Bible says wages should be paid the day they are earned, not 2 weeks later or at the end of the month!  A company of 100 people who make $160/day potentially earns about $16,000 in interest on the employee wages each pay cycle.  If they split that among the employees whose money it actually is, each employee would come home with about $160 more per month.

And if the IRS would stop borrowing money all year interest free, then low income workers could bring home $20-50 more per month.  The IRS does not pay interest on the money workers lend it, just like employers don't pay interest on the money workers earn, but they borrow for up to 14 days (or a month) each cycle.  We have to pay interest on all loans, including short term ones, but employers and government pretty much don't have to pay interest on our money?

wr250

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Re: Things that annoy you
« Reply #242 on: February 27, 2019, 06:22:31 AM »
How come working class people have to pay about 300% interest on a 2 week payday loan but employers borrow all their employees wages for 2 weeks and don't pay us any interest at all?  The Bible says wages should be paid the day they are earned, not 2 weeks later or at the end of the month!  A company of 100 people who make $160/day potentially earns about $16,000 in interest on the employee wages each pay cycle.  If they split that among the employees whose money it actually is, each employee would come home with about $160 more per month.

And if the IRS would stop borrowing money all year interest free, then low income workers could bring home $20-50 more per month.  The IRS does not pay interest on the money workers lend it, just like employers don't pay interest on the money workers earn, but they borrow for up to 14 days (or a month) each cycle.  We have to pay interest on all loans, including short term ones, but employers and government pretty much don't have to pay interest on our money?
why should they?
i mean that in the sense that our govt cant follow its founding document why should it pay interest on money taken from our paychecks (although it charges interest if you are late paying them what they deem to be owed).
statistics can be used to prove anything. 14% of the people know this.
https://lptd.home.blog/

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Re: Things that annoy you
« Reply #243 on: February 27, 2019, 08:18:34 AM »
How come working class people have to pay about 300% interest on a 2 week payday loan but employers borrow all their employees wages for 2 weeks and don't pay us any interest at all?  The Bible says wages should be paid the day they are earned, not 2 weeks later or at the end of the month!  A company of 100 people who make $160/day potentially earns about $16,000 in interest on the employee wages each pay cycle.  If they split that among the employees whose money it actually is, each employee would come home with about $160 more per month.

That money is better used to invest in the capitalization of the company and servicing whatever debt it has. Companies are not here to be exclusively employee owned pay day turn-styles. That's neo-socialism. :-\

Quote
And if the IRS would stop borrowing money all year interest free, then low income workers could bring home $20-50 more per month.  The IRS does not pay interest on the money workers lend it, just like employers don't pay interest on the money workers earn, but they borrow for up to 14 days (or a month) each cycle.  We have to pay interest on all loans, including short term ones, but employers and government pretty much don't have to pay interest on our money?

You may not be aware but...the IRS is not a governmental entity, it is a PRIVATE company set up for the express enrichment of our Globalist Yuro-banksters, just like the Fed.

Now I AM ANNOYED! >:(

26 horses

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Re: Things that annoy you
« Reply #244 on: February 27, 2019, 08:20:18 AM »
Also, THIS greatly annoys me:

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Even Heater didn't livestream her collapse with a damned "smart" phone... :(

juan

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Re: Things that annoy you
« Reply #245 on: February 27, 2019, 03:24:27 PM »
How come working class people have to pay about 300% interest on a 2 week payday loan
Because they’re stupid enough to take out a payday loan.

Bart Ell

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Re: Things that annoy you
« Reply #246 on: February 27, 2019, 03:26:59 PM »
Because they’re stupid enough to take out a payday loan.


And if they got paid daily then a payday loan would become a payhour loan and the dummies would still be using them.


Bluejay

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Re: Things that annoy you
« Reply #247 on: February 27, 2019, 03:29:04 PM »
Also, THIS greatly annoys me:

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Even Heater didn't livestream her collapse with a damned "smart" phone... :(
+1

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Re: Things that annoy you
« Reply #248 on: February 27, 2019, 06:40:03 PM »
TY Bluejay, I karma'd you back. :)

Sofia

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Re: Things that annoy you
« Reply #249 on: February 28, 2019, 12:19:35 AM »
Because they’re stupid enough to take out a payday loan.
The interest (a fee, usually $15 per $100 borrowed) is only paid once.  Unlike a small purchase you buy on a credit card, where you pay the interest over & over again, unless you pay the balance in full.  A lot of Americans have credit card debt, which is actually more expensive than a payday loan fee.

And if they got paid daily then a payday loan would become a payhour loan and the dummies would still be using them.

That reminds me of first responders now resuscitating herion overdosers.  But don't they just OD again.  Is there recovery from herion?  If not, why in the world would anyone want to resuscitate such an addict.

KSM

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Re: Things that annoy you
« Reply #250 on: February 28, 2019, 12:32:48 AM »
The interest (a fee, usually $15 per $100 borrowed) is only paid once.  Unlike a small purchase you buy on a credit card, where you pay the interest over & over again, unless you pay the balance in full.  A lot of Americans have credit card debt, which is actually more expensive than a payday loan fee.
@Sofia Credit card debt deserves its own horrible thread. There are people I love who just don't understand the financial Mels hole of arrears they're hurling themselves into. Horrible thing is that someone can gift them the funds to clear all debt and start all over with a clean slate, but a year later...……….. well, you know :-\

How many fkn times can you teach a man (or woman) to fish.  And no, I'm not talking about my wife.
Chloe don't know better. Chloe's just like me, only beautiful.

26 horses

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Re: Things that annoy you
« Reply #251 on: February 28, 2019, 08:10:00 AM »
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Something that looks that good should not be made of cauliflower. :o

Sofia

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Re: Things that annoy you
« Reply #252 on: March 01, 2019, 11:20:38 PM »
@Sofia Credit card debt deserves its own horrible thread. There are people I love who just don't understand the financial Mels hole of arrears they're hurling themselves into. Horrible thing is that someone can gift them the funds to clear all debt and start all over with a clean slate, but a year later...……….. well, you know :-\

How many fkn times can you teach a man (or woman) to fish.  And no, I'm not talking about my wife.
There isn't much point in having much credit if you actually can pay the bill off each month or even several times per year.  People who can do that just need a little credit for emergencies. 

For those who let the balance & interest add up, it is sad.  You can do interest-free transfers for a while, do bankruptcy, but other than that, pretty soon a lot of dollars go out the door every month just for interest.  I've never had a 24% interest rate & I have no idea how fast that racks up.  Seems like interest should be capped a lot lower than that.  Just my opinion.

PB

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Re: Things that annoy you
« Reply #253 on: March 02, 2019, 06:47:29 AM »
...  A company of 100 people who make $160/day potentially earns about $16,000 in interest on the employee wages each pay cycle.  If they split that among the employees whose money it actually is, each employee would come home with about $160 more per month...

Let's take one person from your example making the $160 per day, at 5% interest.

$160 x 5% = $8.00.  That's for a year.  Divided by 365 days, it's 2.2 cents a day.

So for each 14 day pay cycle the interest would be something like $2.31:

The 1st day is paid 14 days late, so 30.8c (14 days x 2.2c)
the 2nd day is paid 13 days late, so 28.6c (13 x 2.2c)
And so on down to 1 day late, 2.2c

There are 26 14 day pay periods in a year, so the lost interest is $60.06 for a year (26 x $2.31).  Then there'd be tax on the $60...

PB

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Re: Things that annoy you
« Reply #254 on: March 02, 2019, 06:53:50 AM »
... And if the IRS would stop borrowing money all year interest free, then low income workers could bring home $20-50 more per month.  The IRS does not pay interest on the money workers lend it...

Easy fix:  increase your exemptions until the correct (lower) amount of tax is withheld.

If you are talking about waiting a year for an earned income credit (''refund''), that was never money the person worked for and earned and was withheld for a year - it's free money from the taxpayers, paid once a year.  There shouldn't be ''interest'' on top of that.