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And now for something weird...
- Thread starter Wendy
- Start date
https://rojakdaily.com/lifestyle/ar...-sandwich-fell-onto-keyboard-and-logs-her-out
The dangers of remote learning.
The dangers of remote learning.
ZCochran98
- Joined Jul 24, 2018
- 351
That's why, as a university (now graduate) student myself, I made it a point NOT to eat and test....https://rojakdaily.com/lifestyle/ar...-sandwich-fell-onto-keyboard-and-logs-her-out
The dangers of remote learning.
https://mothership.sg/2020/08/transparent-toilets-tokyo-shibuya//
Transparent toilets installed in parks in Tokyo
Transparent toilets installed in parks in Tokyo
I sure hope that is a fail-safe system...https://mothership.sg/2020/08/transparent-toilets-tokyo-shibuya//
Transparent toilets installed in parks in Tokyo
Somewhere in my foggy memory, I seem to remember a restaurant in Europe that had a bathroom that could be seen from the dining room that has electronically activated one-way glass. Locking the door activated the glass screening the bathroom from the dining room but allowing the person in the bathroom to see out. That is except for the night it malfunctioned and failed to energize the one-way mirror action which the users were unaware of. Was quite a hit with the diners and bar patrons.
Probably not with the staff... I bet a lot of people lost their appetite and some revenue was lost...
NOW ...
https://www.cnn.com/2020/08/03/us/zombie-cicadas-west-virginia-fungus-scn-trnd/index.html
As if the world today isn't strange enough, researchers have discovered a new population of cicadas that are being brutally infected by a parasitic fungus that controls their mind and forces them to infect other insects.
...
First Massospora spores eat away at the cicada's genitals, butt, and abdomen. They are then replaced with fungal spores used to transmit the fungus to other cicadas. From there, this new, fungal abdomen will slowly "wear away like an eraser on a pencil," said study co-author Brian Lovett in the release.
https://www.cnn.com/2020/08/03/us/zombie-cicadas-west-virginia-fungus-scn-trnd/index.html
As if the world today isn't strange enough, researchers have discovered a new population of cicadas that are being brutally infected by a parasitic fungus that controls their mind and forces them to infect other insects.
...
First Massospora spores eat away at the cicada's genitals, butt, and abdomen. They are then replaced with fungal spores used to transmit the fungus to other cicadas. From there, this new, fungal abdomen will slowly "wear away like an eraser on a pencil," said study co-author Brian Lovett in the release.
I think I had that in college. But she was worth it.
Delta Prime
- Joined Nov 15, 2019
- 1,311
Did you mean
Hell's Basement Brewery in Alberta
With the name like that you would think they're allowed. I believe they call it par for the course. Unless advertised I would have never heard of it and I would have never ordered six cases of it.
I just got one of those Social Security statements in the mail. I did some back-of-the-napkin calculations, and just realized that I will need to live to 142 y.o. in order to get back just the principle that was paid by me, or paid on my behalf.
Silly me. I thought S.S. was an "investment".
At least if I die, my wife gets a "one time death benefit" of $255. So, I got that going for me.
Silly me. I thought S.S. was an "investment".
At least if I die, my wife gets a "one time death benefit" of $255. So, I got that going for me.
I'd be very interested to see how you came up with that -- though I don't expect you to reveal too much personal financial information and it might be hard not to do that.
I've run those numbers, too, and far more in-depth than on a napkin. Though I absolutely agree that S.S. is a horrible investment, I don't come up with anything like having to live that long. In fact, I've generally found that the tables result in you having received your contributions (both the employee and employer) back somewhere between age 77 and 80. Are you sure you aren't interpreting the monthly benefit as an annual benefit?
If you started working when S.S. was started in 1937 and continuously made the Tax Max every year through 2020, then the combined employee/employer (and, in 1984, the transfer from the general fund on behalf of you) contributions would have totaled $409,573.2. Note that this is someone that has been a high-earning worker for 83 years. I'm not aware of any mechanism by which you could have contributed any more than this into the system (which is not to say that such a mechanism doesn't exist, but it would apply to a vanishingly small fraction of people).
It's a pretty safe bet that this would qualify you for the max retirement benefit.
Assuming no cost of living adjustments in the future, then if they:
File at age 70: $3,790/mo, so it would take 9.0 years (age 79) to get back the contributions.
Full retirement age: $3,011/mo, so it would take 11.3 years (age 77.3, assuming full retirement age of 66) to get back the contributions.
File at age 63: $2,265/mo, so it would take 15.1 years (age 77.1) to get back the contributions.
Now, had this person been allowed to invest those contributions in a tax-deferred investment that earned an effective return of 4%, they could draw $3,122/mo off of it from this point on and and never reduce the balance. The S&P has average right around 10%/year for the last 90 years, so this person could be drawing nearly $57k/mo and not touch the balance.
I think the SSA uses an average life expectancy of retirees to an age of 84 for planning purposes and when I ran the numbers years ago you would only need a return of about 1% on an investment to be able to pay out to that age.
Well, I am old enough that years are starting to feel like months...
Yup. That's what I did. Stoopid.
Easy mistake to make. At least now S.S. is still merely a horrible investment as opposed to outright theft.
Well, considering I'm involuntarily relieved of my property, I still consider it theft.
I can definitely sympathize with that position.
