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Comments

  • thegreatgazoo

    thegreatgazoo

    March 10, 2015, 8:38 pm

    I'm not a tax lawyer, but as I understand it (at least with disability insurance), that if you take a tax deduction the premiums for the insurance, that the payout is taxed. If you pay the premium without taxing the deduction, then the payout isn't taxed. I assume this scheme would have the same rules.

    The tax deduction would be the amount of the expense.

    Lets say your tax rate is 25% (just to keep the numbers easy), 20% insurance company margin, and you put $1,000,000 that you need to do something with.

    option 1: If you take the money, you will pay $250,000 in tax.

    option 2: You pay $1,000,000 in premiums on term life insurance, you will get roughly $800,000 in future payout value, but will have saved $250,000 in taxes. So at this point you will have saved $50,000 in tax. However, the $800,000 would be taxable, so it's really $600,000, so you are now $150,000 in the hole.

    However, the taxes are deferred to future years, but you'll pay less now, but more later, and the tax rate is likely to go up in the future, so you might as well pay them and get them over with.

    The other issue is that it costs money to track all of the policies, and you have to do it for many years to get enough of the payout to get the payout. If you stop it at any time then the future value is lost.

    I think over 20 or 40 years it would be at best a break even proposition, and certainly isn't worth the creepiness factor.

    Reply

  • furlongxfortnight

    furlongxfortnight

    March 10, 2015, 6:15 am

    I live there too, and the "naked corruption" is actually one of my biggest worries.

    With Berlusconi, corruption has gone mainstream. It's normal, it's not even something one should be ashamed of. This guy is irreversibly destroying the political culture of the country. Right now, in Italy, being honest equals being stupid.

    He's ruining the education system. He's making laws for himself and his friends, he's behaving like a sugar-daddy clown and he's trying to silence whoever criticizes him. He's constantly attacking the judicial power while holding the executive power: this undermines the fundamentals of democracy. He's profiteering from earthquakes and flooding to improve his popularity; he's a continuous commercial of himself.

    I'm really afraid the country will have a very hard time recovering from this barbarity.

    Reply

  • Seachicken

    Seachicken

    March 10, 2015, 2:21 pm

    No, you made a stupid joke based on the stereotypical and played out idea that 'ANARCHISM= EVERYONE DOES WHAT THEY WANT LOL' and when I pointed out why there is a vast gulf between your understanding of Anarchism and what it actually is, you got all angry and insulting.

    >you don't have any idea what you're talking about

    Okay, explain why I don't then.

    If you don't want to respond to what I'm saying, don't respond, but posting worthless crap like "????? miss crabapple." or calling me an idiot without explaining why I am wrong doesn't help anyone.

    Edit- Interesting you've deleted your original response.

    Reply

  • silverwater

    silverwater

    March 10, 2015, 6:35 am

    > Well....

    In the photo where they, the band, are going down the street in red rocket wagons one is holding wine... if he actually was a wine enthusiast he would know to not hold the glass how he is but to hold it from the stem. It would make for a better pose anyway.

    You must be a troll. If you're not, you've got some serious issues.

    If my emo band is in Rolling Stone or Tigerbeat, the only thing that matters is that the picture gets attention, and people recognize our faces.

    Reply

  • bollverk

    bollverk

    March 10, 2015, 7:40 pm

    yay, there is this bright little 7 year old boy who loves growing sunflowers. his sunflowers are the most yellow and the most bright and the whole neighborhood adores them. they all love him and in return, he loves them back and gives to the community by reading to the elderly (amazing for a 7 year old) and also helping out whereever he can.

    every year he asked his family to go to the sunflower fair and take part in the contest about the biggest and best sunflower. they could never go because they weren't affluent enough. but this year they finally go, and the sunflower wins a prize. everybody is very happy. except they aren't because really, that boy is dead and fucking buried.

    Reply

  • Nasturtium

    Nasturtium

    March 10, 2015, 8:19 am

    YOUR ALL WRONG, the weirdest movies EVER made are by jan sphinkmier (spelling)? Entitled Little Otik, about a couple who cant have a baby so the husband carves a baby out of a tree root. The wood baby then comes alive and proceeds to eat EVERYTHING, including the cat, silverware, the neighbor and finally, the father and mother.

    The second film is entitled Conspirators Of Pleasure, it involves among other things, A man dressed in a homeade chicken suit throwing boulders at an effigy of his neighbor that he has filled with chicken blood, a woman hoarding little bits of bread all day and stuffing them one by one into her head, a man collecting electronic bits to make a giant masturbating robot and much more.

    All his films are made using FREAKY stop motion claymation, watch them, watch them NOW!

    Reply

  • bluegill

    bluegill

    March 10, 2015, 2:32 pm

    Oh yes. But back when Sun first implemented templates, the error

    messages were so voluminous that all the pertinant information scrolled

    irretrievably off the screen before you could read it. The only thing

    you got out of the messagewas 'You got an error in your codebase

    somewhere, and it involves templates.' No familiar variable names.

    No line number. No module name. Nothing. Not very helpful when you

    were dealing with 500+ source files and tens of thousands of lines of

    code. You learned very quickly to avoid templates like the plague!

    One thing that annoyed me was declarations like:

    Something1 Something2( Abc);

    Now Is this declaring a function prototype

    (Something2 is a function returning Something1 and taking a parameter of type Abc), or is it initializing a variable (Something2 is a variable of type Something1 being initialized with variable Abc)? Guess I'll have to

    search through the header files to find out which.

    Reply

  • idontwanttortfm

    idontwanttortfm

    March 10, 2015, 7:13 pm

    Hmm, we're having trouble understanding one another. I'm trying to understand your position but failing. I'll try to help with mine. I'm not saying that federal income taxes are the only thing that matters, I'm saying that they are the source of funding for certain things. FICA doesn't go to pay for new fighter jets, it goes towards Social Security benefits and Medicare. Local sales tax similarly doesn't go towards things in the federal budget like funding the DHS. Those things are paid for by federal income tax. Those programs and those dollars are the ones I'm talking about.

    I'm well aware that all taken together, taxes eat up a lot of most people's paycheck.

    Reply

  • Sidzilla

    Sidzilla

    March 10, 2015, 3:18 pm

    It's sad but true that police don't think property crimes are important. My boss had his credit card nabbed out of his gym locker. He called the police when he discovered it after his workout and the thieves had already purchased a 50" plasma TV and some other electronics at the Best Buy two minutes from the gym. He told the police if they could look at the video surveillance he could most likely ID the criminals, but they were too busy to ever go over with him to the Best Buy. He asked at the Best Buy and they said it was against company policy. He did get the charges reversed and Best Buy probably ended up getting insurance money to cover the property, but my boss had worked out at this gym for years and knew everyone there that day. What a waste when ten minutes of the police's time could have solved the crime and recovered about $5000 of electronics and put away a bad guy.

    Reply

  • Mihos

    Mihos

    March 10, 2015, 9:29 pm

    One thousand times, this. I think we tend to retain an extreme bias that exaggerates the problems of the here and now over those of the past simply because this is the time in which we exist. Which isn't so crazy, since the problems of the past are unalterable, but the problems of today we may still affect, thus they should be more forthright in our minds. However, it's important to be aware of the past in order to keep perspective on things, such as the fact that it took (amongst other things) something so heinous as slavery to prompt the country into its last Civil War. I don't think we're anywhere near something so dramatic as that right now.

    Reply

  • battler

    battler

    March 11, 2015, 12:29 am

    >You can't change human sexuality by will alone...

    It's completely different from homosexuality. You can indeed stop yourself from being attracted to children. Just neglect it.

    >Says who? The number of people with a rape fetish is astounding...

    10 dollars says that he has photos/drawings of children taking part in sexual acts on his computer. Now what happens when the the photos stop satisfying him and he wants more? normal pornography is different than this because you're able to actually experience it in real life. It's a simple function of the human brain, it is how we have evolved as a species. We desire, we act, we gain. There is a very very high chance that he will take advantage of children. Even if he is able to suppress his feelings now, he is still VERY young, and his urges will just build up and up with no way of lowering. Rape is different from this because it is still happening with a grown woman, so it is possible to healthily act upon it (roleplaying with a girlfriend who is cool with it) The problem with pedophilia is that you cannot satisfy it realistically after the photos/videos, until you actually act. So again, the fact that he is continuing to fantasize about it is very worrisome. This is why they throw people into jail for possessing child pornography, even if it isn't related to them (they weren't participating in the production of it.)

    Anyways, I'm going to report the original poster, this is just outrageous.

    Reply

  • srobbins

    srobbins

    March 10, 2015, 5:45 pm

    I agree completely. Look at Michael Phelps, he of the 12,000 calorie diet. What would he look like eating only 2500/day or how would we look eating his 12,000 without the swimming? Diet is the key.

    The point I am trying to demonstrate is the USUAL advice to someone who wants to lose weight is "eat less and start doing cardio exercise, and if you already are, do more". My experience proved to me that cardio "alone" is no better at burning calories than weight lifting, if as good.

    Hence how "good" is the usual advice?

    Reply

  • Tiriel

    Tiriel

    March 10, 2015, 12:28 pm

    By chance. I used to live in a very small village where there was a sugar mill. The situation in the sugar industry is not very good, so they transformed the mill into a processing plant. The management decided that sugar cubes were a great investment for export to France.

    Turns out that the machinery for manufacturing sugar cubes is traditionally quite slow, big (several storeys high) and hard to maintain, and yet the quality of the cubes is not very good, but there's a dutch company with a brand new design so they hired them to set up the new machines.

    As the village is very small, in the core of Spain, there was no one at the mill who spoke anything but spanish, so I was hired as an interpreter. Of course, being at the mill 10 hours a day doing hardly anything was extremely boring, so I got involved with the dutch team and helped them set up the machinery.

    Also, later in time, after the team left, the machine stopped working, so they (I) had to contact the dutch company for help, this ended in me personally troubleshooting the equipment over the phone.

    I learnt an awful lot about industrial automation, air, water and glue pumps, pistons, clutches and everything that came along.

    Reply

  • 44magnum

    44magnum

    March 10, 2015, 1:47 pm

    **Read** the studies. Questionnaires are highly unreliable and totally unscientific. Use your head, there are no controls in these types of studies. Ever hear of the scientific method. Why don’t you fill us in on the amounts of processed meats, hydrogenated oils, trans fats, polyunsaturated fats, refined grains, sugar, MSG and other neurotoxins the subjects consumed, because the researchers haven’t a clue. Nor do they know how the food was prepared.

    And as far as India is concerned, a previous post brought it up. He was touting the survival of Indians. I simply illuminated the fact the people he chose are unhealthy. I could care less why. And yes, impoverished Indians have as much of a bearing on the health of vegetarians as the studies you site on the health of red meat consumption.

    Why don't you respond with something worth while.

    Reply

  • Andyklah

    Andyklah

    March 10, 2015, 8:19 am

    Interestingly enough, I won 100 bucks on The Fountainhead essay. I'm gonna enter the Atlas Shrugged one next year. The Ayn Rand Foundation is lame, but I'll take their money =p

    edit: btw, it and The Fountainhead are about the Virtue of Selfishness, and why people like Ron Paul are the only good people, and everyone else is a mooching ass hole who has no right to live unless they change their nasty, cowardly altruistic ways. Really. /barf

    Her atheism stuff is interesting, but she's a product of her times (Soviet Union escapee) and she fuses all socialism, communism, and anything that isn't pure lasssez fair capitalizsm as evil. You probably didn't care, but just informin ;)

    Reply

  • insllvn

    insllvn

    March 10, 2015, 9:23 am

    I met up with some friends on a hiking trail to smoke some joints. A few of the friends I was meeting had tripped earlier, and were coming down. We had a couple of joints, a blunt, and smoked from my friends water pipe. At some point while we were toking, the sun went down. These trails are a great place to enjoy a good smoke, as they are open to the public, but ill traveled; you're basically hiding in woods you have a right to be in. Anyhow, that all changes at sundown, when, for safety reasons, people aren't allowed in there. So we come strolling out of the woods stoned as fuck and maybe half of use coming down off a trip to find a cruiser parked in the lot next to our cars looking in our windows with a flash light. As soon as my buddy comes out of the tree line, the light is on us. So the cop says, and I shit you not, "You know people only go up in those woods at night to do three things, drink, smoke, and fuck. You boys want to tell us something?"

    Without missing a beat, my buddy throws his arm over the guy standing nearest him and says in a high pitched voice "Well, officer, you caught us!"

    The look on the cops face was priceless. He had no idea if my friend was kidding or not, but they sent us on our way with no other questions asked. They followed us to the town line, and that was the end of it.

    Reply

  • mferrari3

    mferrari3

    March 10, 2015, 1:19 pm

    I thought no one around me was a creationist, but I was surprised to find out there were a decent amount of them. I live in the US and I thought here in Illinois (in a Chicago suburb) that no one believed that nonsense. I found people who completely rejected what we are taught in biology even though our state doesn't go too deep into detail on the subject I still figured after being presented with fact no one could still be a creationist.

    What I found was interesting is that the few people who were creationists were very stereotypical ones. They thought evolution included the big bang and abiogenesis, and they had an extremely stupid understanding of it. These people are complete dumb asses in every sense of the word. They do shit in every class and no one can stand them. I'm not trying to make generalizations here but every creationist I've met has been incredibly stupid. You have to be stupid to be able to believe that insanity.

    Reply

  • Kardlonoc

    Kardlonoc

    March 11, 2015, 3:58 am

    Thats why ive learned not to follow things in detail with things im not directly involved in. Its pointless affair basically to keep an eye on things that your rarely ever discuss and have no impact on.

    You see there is a point where you can become *too* well informed where you become annoyed at every little action the federal government is pursuing. Gone are the days of struggle to inform the voter, the voter is now too well informed with so much pointless garbage MSM shits out that its mind boggling.

    Thats why you need to filter the information you get to only whats important. I don't have the link but it was discovered that students did better on tests when they didn't try to absorb everything but only the essential facts of study. They filtered out needless information basically.

    That being said you dont really need to worry about the federal goverment and the media reporting it. No what you should be worried about is your own state government. Unless you live in your states captial its very likely you have no idea whats going on in state goverment. **This is very troubling**. Its troubling because state politics is in fact a place were you can as a individual or very easily make a big difference however you are hidden from this fact since isnt as explosive and such the media only covers scandals and big laws.

    So if you want to stop being powerless, visit your state representative and senator website, get informed on the issues and give them call.

    Reply

  • IHateTheRedTeam

    IHateTheRedTeam

    March 11, 2015, 9:51 am

    Different jobs for different folks. Manual jobs aren't the only actually useful jobs.

    As an anthropology (specifically ethnology) undegrad, I think you underestimate the value of knowledge. The things you listed are *important* tasks, but not ones that need to be known by everybody.

    I'm not proud that I can't do manual labor, I'm just saying as long as society exists my skills and knowledge as a (future) ethnologist will be useful. It's important to be able to approach strangers with the right (mental) tools and techniques, but you don't need to do it if I'm willing to.

    Now is this to say that there is no difference in value between all theoritical fields? Not necessarily, but one thing is for sure: They aren't all useless.

    Honestly, if I can't find someone to operate a lathe for me, I'll probably have bigger concerns than lathe operating.

    Reply

  • krizo

    krizo

    March 11, 2015, 8:04 am

    That reminds me of the time when I was about 9 or 10 years old when I discovered that if I set my walkie talkie at a certain spot in my room I could hear through a baby monitor that was on somewhere in the neighborhood.

    It was a boring summer that year so I spent a lot of time listening at the activity going on in the house. At some point, I narrowed down which house it was in my neighborhood. Anyway, I heard some arguments between the parents in the house that grew more frequent.

    By the end of the summer, the parents were divorced. It was completely fascinating to me watching this story unfold before me, and it was just between me, the baby, and the parents.

    Reply

  • ikeed

    ikeed

    March 10, 2015, 11:05 am

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    Reply

  • powercow

    powercow

    March 11, 2015, 6:17 am

    what gets me... fox would probably have less viewers.. IF THEY HAD SOME DAMN COMPETITION ON THE WEEKENDS

    MSNBC you are a news station.. enough with the fucking prison planet.. all weekend when everyone is home.

    Do you realize how many viewers you cause to turn to fox?

    wanna bet some stay?

    right this second fox is continuing it's nonstop assault on obama but it sorta looks like news.

    Msnbc is doing crime dramas.. awesome if your into that thing but this is supposed to be a 24hr news network.. sorta like MTV was supposed to be music tv.

    Reply

  • helmorana

    helmorana

    March 10, 2015, 7:55 pm

    I completely understand. We've been looking for an apartment for about a month or so, and all the ones that we liked got snatched right before our noses. I've been getting more and more upset by that, even though we don't have to move, it's not like anybody's kicking us out, we'd just like to live on our own. It's very emotionally taxing, and even though I know, rationally, that I am getting upset for no good reason, and that we, like you say, will find an apartment eventually, I still feel irrationally sad. =/

    Reply

  • lou_irvin

    lou_irvin

    March 11, 2015, 6:46 am

    That way when you bring your fancy prints over to us real machinists you don't feel like a complete fucktard when we tell you everything that's wrong with your design.

    I never get tired of explaining to young engineers that "Just because you can draw it up on a computer, it doesn't mean that we can make it for you....and if we CAN make it for you it's NOT going to be done in an hour and it's going to cost a fuckload more money than you want to pay us...so lets sit down and I'll tell you how I would make this part."

    Reply

  • gardner_heist

    gardner_heist

    March 10, 2015, 1:42 pm

    I know what the "Stars 'n' Bars" flag looks like. Unfortunately your uneducated southern brethren see that the "rebel" flag has both 1) stars AND 2) bars...leading people to refer to that flag as "Stars 'n' Bars".

    You need to acknowledge that context matters more than history in numerous cases. The Nazi Party have tainted the swastika for all time...though it is used widely in the far east and many eastern religions. To us in the west, the swastika = nazis and hatred of minorities. Your "proud" flag is tainted for all time because the south fought for a platform which included owning other human beings under that flag. Give it up. Anything resembling the confederate battle flag, including your cherished "rebel" flag will convey slavery to many people. THE ONLY THING YOU REBEL AGAINST IS MODERNITY AND ANY NOTION OF CIVIL PROGRESS.

    Reply

  • kamrul11

    kamrul11

    March 10, 2015, 11:09 pm

    I am feeling happy to purchase Nissan extended warranty from Nissan of Santa Rosa. Now my VEHICLE is protected from expensive repair costs.

    Their Nissan Security+Plus Gold Preferred plan is the exact same Nissan plan that we purchase from our local Nissan dealer. Their pricing is not so costly. And the cost also defends on our (customers) payment options, as they have various payment options.

    I highly recommend anyone to communicate with them and feel free to purchase their Nissan Security+Plus plan.

    Thanks all.

    Reply

  • ddrt

    ddrt

    March 10, 2015, 9:29 am

    You are trolling my troll post if I was a troll. I was answering a question, the fact that you can't see the difference between an answer of a question and a troll frightens me. Also, it is a very serious dining room no, no that can cause you to look like an idiot to everyone else who enjoys wine. Why even put it in there? why not have some sort of other glass or alcohol? It would have worked fine. No, he decided to go against everything the glass and spirit stood for. That is why I comment upon it. It might not be important to you because you don't care, but all of the other people who might see this in "tigerbeat" (btw fuck you for being old and liking tigerbeat) are ruining the flavor of their wine by warming up the chalice of the glass instead of holding it by the stem. If someone at a party hands me wine after pouring it and they hand it to me from anything other than the stem it's very rude. Again, you probably don't understand why this is important.

    In a word it is a beacon for every single continuity error in every picture this man has made.

    Reply

  • cheddarben

    cheddarben

    March 11, 2015, 5:39 am

    so, what did Bush exactly follow through on? I would say that Obama has been accomplishing many things. Beyond that, he goes out and tries to sell his ideas. He could have been like every other president in my life, campaign on an idea and when congress/house does not pass it... be like "meh... I tried". He is trying to sell his ideas and at an expense. The tea-douche movement would have NOTHING if Obama didn't go out on a limb. He risks "political capitol" by doing so. Honestly, his progressive approach to passing legistlation might threaten his life. All of these whack jobs and mind ficked retards are out and I am sure there is a good percentage of folks that would do Obama like they did the KY cencus worker.

    So..... you want to go back to a government that caused the 2nd biggest financial crisis in America..... or to a war that costed thousands of American lies (started by a boo boo)... or an active decimation of the Constitution (this is where I am pissed at Obama about)...... go vote for your guy.

    Reply

  • BobCollins

    BobCollins

    March 10, 2015, 6:35 am

    I tend to be libertarian but this guy does miss the issue, as much as the people he is critiquing. He suggests that the great profits (and high executive compensation) of the insurance companies is because they earn it by running efficient companies. That would make sense if they were competing in a market for consumers. They are not.

    He talks about how the congresscritters are taking large contributions from these insurance companies. They are paying their regulators to set up the game so that they can win. I see no evidence of any free market now or in the future with this gang.

    Reply

  • antifolkhero

    antifolkhero

    March 11, 2015, 9:22 am

    >However, why is a legal means of making money that doesn't hurt ANYONE wrong?

    I would argue that it hurts the person's family emotionally to know that their company took a bet on the employee's life and benefited financially from it. There is a tort called intentional infliction of emotional distress that could provide a cause of action for those who are disgusted by this gambling on human life.

    >The business doing this are not corrupt or evil, they are doing what they are legally obligated to do in a way that doesn't hurt anyone. This is how we want them to act.

    I disagree with this while understanding your point. We want profit maximization. Its the way our government and businesses are structured. However, profit without responsibility leads to egregious results such as those in this case. At some point these people need to stand back and realize that they'd sell their own grandmothers' ashes if it would raise their stock price by a penny. Their greed knows no bounds.

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