• 5 Posts
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Joined 2 years ago
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Cake day: June 11th, 2023

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  • But seniors should establish their own retirement plans beyond Social Security to ensure sufficient living funds, Cirksena said. “For retirees, the key takeaway is this: Social Security will change, but if you have a strong retirement plan that doesn’t rely on it entirely, you won’t be left scrambling.”

    Yeah, the people who are no longer working and who probably can’t find a job even if they wanted to should just establish their own retirement fund now. Presumably with all that money they pull from the magical money tree.

    Should people be establishing their own retirement plan before that point? Definitely. But what about the people who work hard for shitty employers who stiff them because they couldn’t find a better job elsewhere? I guess just fuck them, or something. /s

    Edit: Added a /s




  • Amusing that his Twitter avatar looks like a black hole, considering that’s where his abject incompetence is sucking the national infrastructure (and all of us) into.

    On this latest debacle: Great idea Musk! Fire a bunch of people from an already stressed-out agency, then watch as a string of accidents happen, and then publication beg for retired controllers to come back.

    Pushing tin is an incredibly stressful and intense job. Those who retired are probably a) no longer capable of dealing with that stress, and/or b) don’t want to deal with it and deserve a well-earned retirement.

    But hey, maybe with all the bullshit stripping away of social security, Medicare, etc etc, they will be forced to come out of retirement to help. I’m sure that’s not a recipe for disaster!

    For fuck’s sake, we live in the stupidest timeline, I swear. And we can’t even fully enjoy Musk ruining his ill-deserved legacy and humiliating himself, because all of us are the collateral damage.








  • Yeah, it’s a shit show over here. You kinda guess at how much you will need to pay in taxes, hold back that amount in your paycheck, and hope for the best. And if your life situation changes or the incoming government fucks around with the tax codes, your estimating will be off. Getting it down to a very small refund is the optional solution, but it’s not always as easy as you’d think.




  • Innovis is a weird one. It’s much less well known to many people than the ‘big three’. But regardless, it’s used by some pretty big companies, and its origin stems from the likes of Fannie Mae and Freddie Mac. And some of their services/interface are comically outdated, which to me makes it potentially prone to abuse. And that alone warrants giving it some attention.

    Your debit score is important because that’s what most financial institutions check against when you set up an account with them. They typically don’t use credit scores for account eligibility. So debit scores (which are almost exclusively controlled by FIS) can be susceptible to abuse from that angle and in that industry.

    ETA: Yes, the response time for the credit bureaus is pretty fast. I recommend setting up a free account with each of Equifax, Experian, and Trans Union. They will try to trick you into the paid account during the account creation process, so watch where you click. But their free accounts are decent and get the job done. Plus they make it easier to freeze/unfreeze your credit score than using no account. Innovis’ process is easy too, and fairly quick, but it’s very old-school.