On 10/20/2024 3:42 PM, Skeeter-Shit "Lamey" Jack-Off Shit-4-Braincell, convicted
child molester and another fucking do-nothing, posted another content-free batch
of lies:

> In article <vf3t6g$j1dh$1@dont-email.me>, recscuba_google@huntzinger.com
> says...
>>
>> On 10/20/24 11:38 AM, Skeeter-Shit "Lamey" Jack-Off Shit-4-Braincell, convicted child molester and another fucking do-nothing, posted another content-free batch of lies:
>>> In article <vf2n71$cii1$1@dont-email.me>, recscuba_google@huntzinger.com
>>> says...
>>>>
>>>> On 10/19/24 5:17 PM, Skeeter-Shit "Lamey" Jack-Off Shit-4-Braincell, convicted child molester and another fucking do-nothing, posted another content-free batch of lies:
>>>>> In article <vf168e$3sigu$1@dont-email.me>,
>>>>> recscuba_google@huntzinger.com says...
>>>>>>
>>>>>> On 10/18/24 4:59 PM, Governor Swill wrote:
>>>>>>> On Thu, 17 Oct 2024 10:36:54 -0600, Skeeter <skeeterweed@photonmail.com> wrote:
>>>>>>>
>>>>>>>> In article <vere5c$2q4h9$2@dont-email.me>,
>>>>>>>> recscuba_google@huntzinger.com says...
>>>>>>>>>
>>>>>>>>> On 10/17/24 9:51 AM, Skeeter-Shit "Lamey" Jack-Off Shit-4-Braincell, convicted child molester and another fucking do-nothing, posted another content-free batch of lies:
>>>>>>>>>> In article <ver1fr$2ohqk$1@dont-email.me>,
>>>>>>>>>> recscuba_google@huntzinger.com says...
>>>>>>>>>>>
>>>>>>>>>>> On 10/16/24 8:27 PM, Skeeter-Shit "Lamey" Jack-Off Shit-4-Braincell, convicted child molester and another fucking do-nothing, posted another content-free batch of lies:
>>>>>>>>>>>> In article <veph2p$2ejus$1@dont-email.me>,
>>>>>>>>>>>> recscuba_google@huntzinger.com says...
>>>>>>>>>>>>> ...
>>>>>>>>>>>
>>>>>>>>>>> So what evidence do you have of crime being "worse": is it merely your
>>>>>>>>>>> personal perception? Or true for just your highly localized region?
>>>>>>>>>>> Because on a National macro level, the claim does not ring true.
>>>>>>>>>>>
>>>>>>>>>>>
>>>>>>>>>>> -hh
>>>>>>>>>>
>>>>>>>>>> Moron.
>>>>>>>>>
>>>>>>>>> Translation: Nailed It.
>>>>>>>>>
>>>>>>>>> So what was your career path before CoVid ruined it?
>>>>>>>>>
>>>>>>>>>
>>>>>>>>> -hh
>>>>>>>>
>>>>>>>> I was already retired. What does that have to do with you being a moron?
>>>>>>>
>>>>>>> Then the problem is your own failure to properly manage your retirement
>>>>>>> financing because you're a moron.
>>>>>>
>>>>>> I'm content with just noting that his claimed fiscal problems are within
>>>>>> his own control, and thus his responsibility: it is lame to try to cry
>>>>>> victim over nominally typical economic conditions.
>>>>>>
>>>>>> Of course, he'll try to shout "But...but inflation!", but the reality
>>>>>> there is that inflation always has existed: the amount we've seen since
>>>>>> 2020 is simply Reversion to the Mean. As such, he seems to have fallen
>>>>>> victim to poor planning due to Recency Bias, instead of being wise
>>>>>> enough to plan using historical averages.
>>>>>>
>>>>>> For historical data, here's one reference to use for planning:
>>>>>>
>>>>>> <https://www.usinflationcalculator.com/inflation/historical-inflation-rates/>
>>>>>>
>>>>>> ...or one can use the average of the above, which is +3.3%/year.
>>>>>>
>>>>>> and one should note that inflation can run in spurts just like the stock
>>>>>> market: its "8% average returns" mantra is an average, which hides the
>>>>>> there's been periods of over 15 years with flat/negative returns which
>>>>>> get hidden in out by a huge +30% year. That's why one should expect to
>>>>>> run household budget surpluses in years where inflation's below 3.3%, so
>>>>>> as to bank for when there is a spurt.
>>>>>>
>>>>>> For example, take a normalized $100K retirement income starting in
>>>>>> December 2016 that's been planned to have a 3.3% income growth per year,
>>>>>> as per average inflation and then compare that budget plan to the actual
>>>>>> inflation observed for the same time period:
>>>>>>
>>>>>>
>>>>>> Year Income Plan CPI CPI Equiv.
>>>>>> 2016 $100,000 n/a $100,000
>>>>>> 2017 $103,300 2.11% $102,110
>>>>>> 2018 $106,709 1.91% $104,060
>>>>>> 2019 $110,230 2.29% $106,443
>>>>>> 2020 $113,868 1.36% $107,891
>>>>>> 2021 $117,626 7.04% $115,486
>>>>>> 2022 $121,507 6.45% $122,935
>>>>>> 2023 $125,517 3.35% $127,054
>>>>>> 2024 $129,659 2.79% $130,598
>>>>>>
>>>>>>
>>>>>> Now to analyze. Its easy to skip to today (Sept 2024) and say that
>>>>>> $130,598 is more than $129,659 ... but that's not the whole story.
>>>>>> The whole story is that 2017's budgeted $103,300 exceeded inflation's
>>>>>> $102,110 by $1,190. Likewise, 2018 did too (by $2,649), as well as
>>>>>> 2019, 2020, 2021. Lets build out that table and add up the differences:
>>>>>>
>>>>>>
>>>>>> Year Delta Cumulative Delta
>>>>>> 2016
>>>>>> 2017 $1,190 $1,190
>>>>>> 2018 $2,649 $3,839
>>>>>> 2019 $3,787 $7,626
>>>>>> 2020 $5,977 $13,603
>>>>>> 2021 $2,139 $15,742
>>>>>> 2022 $(1,428) $14,314
>>>>>> 2023 $(1,537) $12,777
>>>>>> 2024 $(939) $11,837
>>>>>>
>>>>>> TL;DR: even though inflation has put you above budget, your prior years
>>>>>> under budget means that you've built up a $11,837 reserve.
>>>>>>
>>>>>> Here's the same data, in percentage form:
>>>>>>
>>>>>> Year Delta% Cum Delta %
>>>>>> 2016
>>>>>> 2017 1.2% 1.2%
>>>>>> 2018 2.5% 3.6%
>>>>>> 2019 3.4% 6.9%
>>>>>> 2020 5.2% 11.9%
>>>>>> 2021 1.8% 13.4%
>>>>>> 2022 -1.2% 11.8%
>>>>>> 2023 -1.2% 10.2%
>>>>>> 2024 -0.7% 9.1%
>>>>>>
>>>>>> TL;DR: low inflation years let your budget get way ahead (+13.4% by the
>>>>>> end of 2021), so despite the inflation bubble (now reverting back to the
>>>>>> mean), you're still 9.1% ahead on your budget.
>>>>>>
>>>>>> That is, if you had planned your budget correctly to begin with, to not
>>>>>> ignore historical average inflation rates.
>>>>>>
>>>>>>
>>>>>> -hh
>>>>>
>>>>> Did I make you do that? Talking about me in 3rd person is cute.
>>>>
>>>> Your bleating about being poor was a reminder to me that 60% of US
>>>> households admit that they don't have a budget, and of those who say
>>>> that they do, 40% of these are done incorrectly.
>>>
>>> Says who? I never said I was poor liar.
>>
>> You've whined about how you used to be able to afford stuff before
>> Biden, but now you can't:
>>
>>
>> "I couls afford to do stuff."
>>
>> So if that's not saying you're poor, than just what were you saying?
>> Be specific.
>
> It means I can't do as much. I'm not rich but I'm not poor.