Liberal Forum

LowIQTrash » 07 May 2024, 12:31 am » wrote: ↑

07 May 2024, 12:31 am

I think the 2 most viable options to stay sane are to either do what you did (live a mostly minimalist lifestyle) or to use "creative" trickery, much like (((the Usurers))) themselves adopt...in order to get massively ahead.

(See my previous post about someone double - sometimes triple - billing insurance, which allowed this person to fast-track their retirement goals by more than a decade)

Get a $5M, $10M, $20M, or however much NW you can acquire ASAP and don't be an idiot / lose it all on stupid ****...

It is almost impossible for me to find someone today who is truly rich or wealthy and didn't find a way to extract value from others' labor in clandestine manners...we have the (((money changers))) to thank for perfecting that craft.

teach all grade school the are of "welfare suck and play in usa". prepare them for the future. drop math. you have machine. drop spelling. you have the machine. drop reading. you have tv. "welfare suck and play is the way in usa"

LowIQTrash » 06 May 2024, 11:15 pm » wrote: ↑

06 May 2024, 11:15 pm

I am rather blessed or cursed, depending on your POV, to know a number of people (more than I can count on 2 hands, and I have all 10 fingers) who have more than $10M in NW and are approaching retirement.

I know 1 (one) as well, my wife's brother...so what...it's got nothing to do with it being "realistic" for everyone...

it's more about needs and wants with health being the most important...you can have all the money in the world, but if you don't have your health, it means nothing...

like my ex BIL once told me, "they've never left anybody above ground yet"...

walkingstick » 07 May 2024, 2:06 am » wrote: ↑

07 May 2024, 2:06 am

teach all grade school the are of "welfare suck and play in usa". prepare them for the future. drop math. you have machine. drop spelling. you have the machine. drop reading. you have tv. "welfare suck and play is the way in usa"

Stop teaching theoretical evolution and instruct actual evolving when living as adapting to this specific rotation of the planet equally occupying time this rotation regardless which time and temperate zone located this rotation as ancestrally p-art of the whole species living one at a time since conceived to replace previous generation gaps, here now.

Every reality of humanity teaches cheating the perpetual balancing moment cradle to grave to build better tomorrows than living currently alive each rotation still living in an ever changing form expanded from a fertilized cell decomposing into a dead ancestor when one's body stops changing cells within the unique DNA position living now.

direct accountability equally timing any reproduction native to this atmosphere every rotation that existed since being specifically part of this solar system, this galaxy, this universe, this ever changing detailed moment never same results any rotation so far.

See I cover evolved, evolving, not combined universal position, conceived ancestrally existed yet, never existed,
results won't happen ever in any reality directing outcomes tomorrow because evolving doesn't leave anything same total sum twice now. Series positions, parallel time, spontaneously present, simultaneously here, ever changing form as shaped this rotation of the planet.

Kinetically self evident until power of suggestion corrupts each generation last 400 generation gaps within one species native to this atmosphere.

I covered how, why, what, where, when, which, events existed in series parallel positions simultaneously evolving each reproduction regardless plant or animal ancestral time alive, predator or prey nature of each reproduction each generation, body types of asexual, male, female parenting added asexual female, male replacements being the total sum chromosomes of direct lineage existed each rotation of the planet specifically alive.

Now I even cover means, motives, methods, mind over matter, context rules content, symbolism over substance, typecasting, stereotyping, role playing done in every reality this species and all its ancestral lineages have performed throughout history my own ancestral lineage participated in same as I was trained to do first 32 revolutions around the star I occupied space each rotation before and since I started using my brain to navigate eternally separated as uniquely alive this rotation every next rotation.

I am unique, but so is any other reproduction native to its universal position facing the same situation as this universal location existing kinetically evolving into a new total sum constantly for every cycle within event horizons working same way every where.

Common since conceived is self evident while performing common sense corrupts every reproduction role playing a humanity is larger than time adapting here so far.

LowIQTrash » 06 May 2024, 11:29 pm » wrote: ↑

06 May 2024, 11:29 pm

Living the American Dream (Case Study #1): Overbilling insurance

@Fuelman read this and learn how the real pros do it!   

Let's consider this enigma: how does someone who is SUPPOSED to make a low 6 figure salary end up having a NW in the low to mid millions in less than a decade's worth of work? (This person is an alternative healthcare practitioner, her annual income is supposed to be around the $140K - $180K mark)

Well it turns out that this person does a neat little "trick": whenever a client sees her and finishes her session, she bills insurance for 2, sometimes 3 "visits." This is, in fact, why some practitioners do very well and fit into that upper middle class crust of semi-retired peeps and others just languish and end up being the equivalent of MCWS (middle class wage slaves). 

Could you obtain a NW in the lower mid millions with a $400K annual income with fewer than 10 years of work? (Mystery solved!)   

-------------------------------------------------------------

Let's face it: patients don't really have money. In fact, they would prefer to pay you (the hypothetical healthcare provider) as little as possible. Not so with insurance - as most of you know, hospitals bill for an insane amount and healthcare insurance companies have entire departments devoted to haggling down the hospital bill.

Naturally, small/independent clinics like hers can basically get away with charging "non-outrageous" fees but at the same time, claim multiple visits in lieu of 1. And nobody in insurance will bother to investigate because they're trying to fight off the millions or billions in charges from large providers. 

(I believe a lot of law firms get away with this as well - they will quietly "revise" the # of hours billed when the client isn't looking. So if a client used their service for 5 hours, they might bill for 6 or 7. If the client is a large corp then it's unlikely the large corp will waste time fixing what would constitute a "rounding error" on the income/expenses statement)

Everyone has a story, I wish more people would talk about how they made it or didn't. It's useful to those who are trying to find their way in this rat race.

Ours is more of a story of the accidental millionaire. Just a few decisions (choices) made all the difference. Why did we walk away from a $200k+ income in the beginning of 2021? I was 60 and the wife was 57.  Two things mainly, a matter of the heart and total **** burnout. 

​​​​​The matter of the heart was about my Mom. We knew she was starting to fail at 80. There was no one else to step in so lucky for Mom, she raised a son that cared enough to step up and make sure these last years are somewhat meaningful. ( If you have elderly parents, check in on them, you might be surprised at what you find out)

The burnout came from both of us working 55-60 hours a week from 2010 to 2021. One good thing that happened during that time frame was being super savers. Like the majority of people, we were playing catch up and had several years we socked away $80k. It pissed the wife off but now sees the reward and after being a front line COVID worker in the ICU in 2020, it wasn't hard to convince her to bail.

What are the chances of building a house in 2014 in Oregon for a little over $400k and selling it in April 2021 for just over $1 million? If we had waited another year the price went up another $200k. Problem is, 6 months after we sold, the Vaccine Mandate hit the hospital and the wife would have lost her job. Her being the primary bread winner, our story would have changed considerably. I still have a hard time wrapping my head around our luck.


 
 

Continued:

Three years into retirement (SS and a pension for me), the wife is making $50k a year working 20 hours a week with full time benefits working at a charter school. Pretty nice for 9 months of work. The house is paid for (put about $540k into), the retirement accounts are just under $800k, add in other assets and we are closer to $2 million than one million. When Mom passes, generational wealth will add another million or so. I literally had no idea of the value of a portion of the family farm, 160 acres with crops, royalties from oil, natural gas, wind turbines, transmission lines. Thanks Grandpa, 50 years of turning a wrench really has paid off for your family.

I know it's bad form to throw those numbers out there but I really don't give a **** any more.  Sue me! 

BTW, it's not the **** you money as you seek as we really don't feel the rich. Secure maybe.

Soak up as much information as you can from your rich friends, it may help you with decisions in the future.

There are about 336 million people in the U.S. With 24.5 million of them being millionaires, the odds that someone in the U.S. will end up a millionaire come in at around 7.29%.Jan 1, 2024

ROG62 » 07 May 2024, 5:40 am » wrote: ↑

07 May 2024, 5:40 am

I know 1 (one) as well, my wife's brother...so what...it's got nothing to do with it being "realistic" for everyone...

it's more about needs and wants with health being the most important...you can have all the money in the world, but if you don't have your health, it means nothing...

like my ex BIL once told me, "they've never left anybody above ground yet"...

Yes, and I wholeheartedly agree with what you said. This is why anybody who plans on "making it" while putting in 70 hours/week is going to be in for a rude awakening. 

The trick is to find a way to divert some of other people's labor into your pockets...

Where is that troll sock cock sucker @peepee  ?
 

Fuelman » 07 May 2024, 11:06 am » wrote: ↑

07 May 2024, 11:06 am

I know it's bad form to throw those numbers out there but I really don't give a **** any more.  Sue me! 


 

Another phony internet braggart.  Can't wait to hear about your 6th degree black belt, sports car, and super models you dated.    
 

Fuelman » 07 May 2024, 11:05 am » wrote: ↑

07 May 2024, 11:05 am

Everyone has a story, I wish more people would talk about how they made it or didn't. It's useful to those who are trying to find their way in this rat race.

Ours is more of a story of the accidental millionaire. Just a few decisions (choices) made all the difference. Why did we walk away from a $200k+ income in the beginning of 2021? I was 60 and the wife was 57.  Two things mainly, a matter of the heart and total **** burnout. 

​​​​​The matter of the heart was about my Mom. We knew she was starting to fail at 80. There was no one else to step in so lucky for Mom, she raised a son that cared enough to step up and make sure these last years are somewhat meaningful. ( If you have elderly parents, check in on them, you might be surprised at what you find out)

The burnout came from both of us working 55-60 hours a week from 2010 to 2021. One good thing that happened during that time frame was being super savers. Like the majority of people, we were playing catch up and had several years we socked away $80k. It pissed the wife off but now sees the reward and after being a front line COVID worker in the ICU in 2020, it wasn't hard to convince her to bail.

What are the chances of building a house in 2014 in Oregon for a little over $400k and selling it in April 2021 for just over $1 million? If we had waited another year the price went up another $200k. Problem is, 6 months after we sold, the Vaccine Mandate hit the hospital and the wife would have lost her job. Her being the primary bread winner, our story would have changed considerably. I still have a hard time wrapping my head around our luck.

I have a couple of other stories I will mention later this week, but I will say that coming up with feasible plans for getting to that magic $5M mark (which is the new "I'm a millionaire") is rather laborious...esp since "corporate America" (where the cushy jobs are) is in cost cutting mode...

1) Yes, that 55-60 hours/week isn't sustainable long term, unless you have a super-strong physique. Some people also have hidden, chronic illnesses just ready to pop up the moment they get overworked/stressed. 

2) The caring for elderly parents is good to know.

3) The last part is not just luck, it's luck + intuition. The more exp you have the more you know something is coming up. 

Fuelman » 07 May 2024, 11:06 am » wrote: ↑

07 May 2024, 11:06 am

Continued:

Three years into retirement (SS and a pension for me), the wife is making $50k a year working 20 hours a week with full time benefits working at a charter school. Pretty nice for 9 months of work. The house is paid for (put about $540k into), the retirement accounts are just under $800k, add in other assets and we are closer to $2 million than one million. When Mom passes, generational wealth will add another million or so. I literally had no idea of the value of a portion of the family farm, 160 acres with crops, royalties from oil, natural gas, wind turbines, transmission lines. Thanks Grandpa, 50 years of turning a wrench really has paid off for your family.

I know it's bad form to throw those numbers out there but I really don't give a **** any more.  Sue me! 

BTW, it's not the **** you money as you seek as we really don't feel the rich. Secure maybe.

Soak up as much information as you can from your rich friends, it may help you with decisions in the future.

I don't consider this bragging at all. Your story is actually quite representative of someone who is "middle class."

In fact, people like you ARE the "disappearing middle class." Your type is an endangered species. Forget all those **** charts showing the middle class is still 51% of America.

The sad part is people who work paycheck to paycheck and are 6 months from being homeless in the event of unemployment think they are "middle class."   

If you said you had $20M in NW I would say "Yeah that's bragging" but this isn't...maybe to someone who is poor and struggling it would sound like bragging, but I've been around too many people in the top 1% that I'm actually annoyed I have to set my standards so high   

 
 

lard » 08 May 2024, 11:21 am » wrote: ↑

08 May 2024, 11:21 am

Another phony internet braggart.  Can't wait to hear about your 6th degree black belt, sports car, and super models you dated.  

    I knew that would offend someone.

You should be asking yourself why my reality offends you so much.

LowIQTrash » 08 May 2024, 11:26 am » wrote: ↑

08 May 2024, 11:26 am

I don't consider this bragging at all. Your story is actually quite representative of someone who is "middle class."

In fact, people like you ARE the "disappearing middle class." Your type is an endangered species. Forget all those **** charts showing the middle class is still 51% of America.

The sad part is people who work paycheck to paycheck and are 6 months from being homeless in the event of unemployment think they are "middle class."   

If you said you had $20M in NW I would say "Yeah that's bragging" but this isn't...maybe to someone who is poor and struggling it would sound like bragging, but I've been around too many people in the top 1% that I'm actually annoyed I have to set my standards so high 

I got as far as I could with my diploma from stoner high, 25 years in grocery retail and wholesale, and 17 years of truck driving. 

I won't get into the 3 decades before that last decade, it was an absolute disaster. Live and learn.
 
I'm glad those working years are over, pretty sure I'd be in jail for using the wrong gender pronouns.
 

Fuelman » 07 May 2024, 11:31 am » wrote: ↑

07 May 2024, 11:31 am

There are about 336 million people in the U.S. With 24.5 million of them being millionaires, the odds that someone in the U.S. will end up a millionaire come in at around 7.29%.Jan 1, 2024

Let us interpret what a millionaire owns to be worth millions of dollars they cannot spend and remain a millionaire tomorrow.

31stArrival » 08 May 2024, 4:23 pm » wrote: ↑

08 May 2024, 4:23 pm

Let us interpret what a millionaire owns to be worth millions of dollars they cannot spend and remain a millionaire tomorrow.

Interpret away,,,,

Fuelman » 08 May 2024, 4:31 pm » wrote: ↑

08 May 2024, 4:31 pm

Interpret away,,,,

I have for almost 2 decades. Millionaires control what none millionaires believe possible paying to follow idealists promising better tomorrows than everyone evolved into today.

You pick the social mantra of any reality, ny society past, current events, arrives tomorrow playing same semantics governing time this rotation of the planet.

Every intellectual tomorrow starts 0 hundreds hours when 0 longitude hits mid night each rotation of the planet ends 24:00 same position as 0 longitude.\
Guess where 0 latitude is for all temperate zones equator to each polar point of rotational axis.

Is America in decline?

https://reason.com/2024/05/08/experts-w ... mpid=39177
 

Deezer Shoove » 08 May 2024, 6:34 pm » wrote: ↑

08 May 2024, 6:34 pm

Is America in decline?

https://reason.com/2024/05/08/experts-w ... mpid=39177
 

it is evolving as it always has been never same population here since it started being a social mantra practiced ignoring life is forever limited in plain sight genetics eternally separates any reproduction native to this universal position as displaced conceived to decomposed in series parallel time spontaneously living simultaneously here this rotation.

Self evident details never same self evident results twice, in any series of upto 5 generation gaps living s directly related to the natural Al-Gore-rhythm(inconvenient truth) of 16, 8, 4, 2, each great great grandchild becomes, 50% next generation children arriving one at a time, following generation added are 4 grandparents, 3rd generation 12.5% when becoming a great grandparent, then 4th generation after becoming a parent the same person is 6.25% their great great grandchildren.

this genetic progression is universal sequencing from inception to extinction of all ancestral lineages occupying time each rotation. Think dinosaurs they existed millions of years, homo sapiens species maybe 80,000 years. Now dinosaur era became fossil fuels.

Fuelman » 08 May 2024, 3:46 pm » wrote: ↑

08 May 2024, 3:46 pm

    I knew that would offend someone.

You should be asking yourself why my reality offends you so much.

Your "reality!"

 

lard » 09 May 2024, 11:53 am » wrote: ↑

09 May 2024, 11:53 am

Your "reality!"

It's the stoner high thing, I are truck driver!