𝓝𝓪𝓽𖤐 retweeted
I know that this is gonna be hard to understand for some of you but here goes.
No, billion dollar corporations DO NOT have to increase costs of menu items if they increase pay.
They do that because they are
GREEDY and if they increased wages they might only profit 7 billion instead of 8.
Hope that helps. Also everyone who works full time should make a liveable wage.
THE END
THE HOUSE GOT MORE VALUABLE. THE OWNER GOT A BIGGER BILL.
A homeowner bought a house for $280,000.
Years later, similar houses in the neighborhood are selling for $400,000.
Everyone congratulates him on making $120,000 but he hasn’t sold the house.
He hasn’t received $120,000 in cash.
He still has the same kitchen, the same roof, and the same mortgage payment.
Yet in places where property taxes are tied to assessed value, a higher assessment can mean a higher annual tax bill.
So the owner can become wealthier on paper while having less cash available to pay the bills.
Property taxes aren’t calculated identically everywhere, and assessments don’t always move in line with market prices but here’s the contradiction I can’t stop thinking about:
If the increase in value is real enough to tax, why isn’t it real enough to spend?
𝓝𝓪𝓽𖤐 retweeted
A serious question about debt.
If someone borrows money because their salary can’t cover basic necessities, then spends years paying interest on that money…
At what point does debt stop being a temporary solution and become a way of charging people extra for being unable to afford their lives?
𝓝𝓪𝓽𖤐 retweeted
MY FRIEND CAN AFFORD THE MONTHLY RENT. HE CAN’T AFFORD TO MOVE IN.
He found an apartment listed at $1,400 a month.
His salary can cover it then he calculated what moving in would actually cost.
First month’s rent: $1,400.
Security deposit: $1,400.
Last month’s rent: $1,400.
Moving costs: $500.
Application and other fees: $200.
Total upfront: $4,900.
And that doesn’t include furniture, utility deposits, or the emergency savings he’d need after moving.
He has enough income to pay $1,400 every month.
He doesn’t have $4,900 sitting around.
People keep telling renters to find somewhere cheaper but even escaping an expensive apartment can require money they haven’t had a chance to save.
Sometimes the barrier isn’t the monthly price. It’s the price of getting through the door.
MY FRIEND CAN AFFORD THE MONTHLY RENT. HE CAN’T AFFORD TO MOVE IN.
He found an apartment listed at $1,400 a month.
His salary can cover it then he calculated what moving in would actually cost.
First month’s rent: $1,400.
Security deposit: $1,400.
Last month’s rent: $1,400.
Moving costs: $500.
Application and other fees: $200.
Total upfront: $4,900.
And that doesn’t include furniture, utility deposits, or the emergency savings he’d need after moving.
He has enough income to pay $1,400 every month.
He doesn’t have $4,900 sitting around.
People keep telling renters to find somewhere cheaper but even escaping an expensive apartment can require money they haven’t had a chance to save.
Sometimes the barrier isn’t the monthly price. It’s the price of getting through the door.
𝓝𝓪𝓽𖤐 retweeted
Your student loan payment is $350 a month that’s $4,200 a year.
Your entry level job pays $45,000 before taxes.
Nearly 10% of your gross salary goes toward paying for an education you already completed.
You graduated years ago.
Your bank account is still attending college.
MY FRIEND CAN AFFORD THE MONTHLY RENT. HE CAN’T AFFORD TO MOVE IN.
He found an apartment listed at $1,400 a month.
His salary can cover it then he calculated what moving in would actually cost.
First month’s rent: $1,400.
Security deposit: $1,400.
Last month’s rent: $1,400.
Moving costs: $500.
Application and other fees: $200.
Total upfront: $4,900 and that doesn’t include furniture, utility deposits, or the emergency savings he’d need after moving.
He has enough income to pay $1,400 every month.
He doesn’t have $4,900 sitting around.
People keep telling renters to find somewhere cheaper but even escaping an expensive apartment can require money they haven’t had a chance to save.
Sometimes the barrier isn’t the monthly price.
It’s the price of getting through the door.
APPARENTLY, PAYING YOUR BILLS ISN’T ALWAYS ENOUGH.
Imagine paying your credit card on time every month.
You never miss a payment. You stay within your limit. You’re trying to be responsible then you apply for a car loan and discover that someone with a better credit profile gets a lower interest rate.
On a $30,000 car loan over 60 months: At 7% interest, your payment is about $594 a month.
At 12%, it’s about $667 that’s oughly $73 more every month, or $4,380 over five years.
Same car. Same loan amount. Different borrowing cost.
Of course, actual rates depend on the lender, credit history, and other factors but the frustrating part is that a weaker financial position can make the things you need to get ahead more expensive.
You can do everything right and still have a lot less room for mistakes.
𝓝𝓪𝓽𖤐 retweeted
SO WHAT EXACTLY DOES “COVERED” MEAN?
A woman pays $380 a month for health insurance, that’s $4,560 a year.
She goes to the hospital for a procedure her insurer has approved.
She assumes approval means the insurer will pay most of the bill then the explanation of benefits arrives.
The hospital charged $6,000.
The insurer’s negotiated rate is $3,800.
Her deductible hasn’t been met.
Her share: $3,800.
She has paid $4,560 to maintain coverage and now faces another $3,800 bill.
Of course, the deductible and negotiated rate depend on her specific plan, and the insurer may cover more after the deductible but if someone can pay hundreds every month for insurance and still be terrified to use it, I understand why they’re confused.
Being insured and feeling financially protected aren’t always the same thing.
𝓝𝓪𝓽𖤐 retweeted
I’M SORRY, BUT WHY DOES HAVING HEALTH INSURANCE STILL FEEL LIKE A FINANCIAL GAMBLE?
I pay $420 every month for health insurance, that’s $5,040 a year just to maintain coverage.
Last month, I needed a medical procedure.
The bill came to $3,800.
I assumed insurance would cover most of it then I learned I hadn’t met my deductible.
The amount I owed: $3,100.
So let me understand this.
I’ve paid thousands of dollars to maintain insurance, and when I actually need medical care, I still have to find thousands more out of pocket.
And before anyone says insurance isn’t supposed to cover everything, I understand that premiums, deductibles, and coverage limits serve different purposes but from the patient’s perspective, the financial reality is still frightening.
You can do everything you’re told to do.
Get a job. Pay your premiums. Maintain your coverage and still have to decide whether the treatment you need is worth the damage it could do to your savings.
How is someone supposed to feel financially secure when getting sick can undo years of responsible financial decisions?
SO WHAT EXACTLY DOES “COVERED” MEAN?
A woman pays $380 a month for health insurance, that’s $4,560 a year.
She goes to the hospital for a procedure her insurer has approved.
She assumes approval means the insurer will pay most of the bill then the explanation of benefits arrives.
The hospital charged $6,000.
The insurer’s negotiated rate is $3,800.
Her deductible hasn’t been met.
Her share: $3,800.
She has paid $4,560 to maintain coverage and now faces another $3,800 bill.
Of course, the deductible and negotiated rate depend on her specific plan, and the insurer may cover more after the deductible but if someone can pay hundreds every month for insurance and still be terrified to use it, I understand why they’re confused.
Being insured and feeling financially protected aren’t always the same thing.
𝓝𝓪𝓽𖤐 retweeted
CAN SOMEONE EXPLAIN WHY BEING BROKE IS SO EXPENSIVE?
A man has $600 left until payday.
His car needs a $450 repair.
He doesn’t have the cash, so he puts it on a credit card at 26% interest then he misses a payment because the repair ate into his grocery money.
Now he’s dealing with interest, a possible late fee, and a credit score that could make future borrowing more expensive.
Someone with $5,000 in savings gets the same car problem and pays $450.
Same repair, Same car.
One person loses $450.
The other person may spend months paying for the fact that he didn’t have $450.
People talk about poverty like it’s just having less money.
Sometimes it’s having less money and being charged extra for it.
𝓝𝓪𝓽𖤐 retweeted
Want to hire the right AI agent?
You'll need to check its reputation and history.
On @termix_ai, you can visit an agent's profile on agent.family to see how it has performed in the past.
You can check things like:
- Completed jobs: How many jobs the agent has finished.
- Transaction history: The total value of payments settled through its completed jobs.
- Ratings and reviews:What previous clients think about its work.
- Staking and disputes:Its staked collateral and any recorded disputes.
So You can check an agent's track record before deciding whether to hire it, rather than simply trusting its claims.
A very good tech ,imo
🤝 Paid partnership
How do AI agents actually get hired, complete jobs, and build trust on agent.family?
Let's look at the two main ways @termix_ai helps AI agents get hired, complete jobs, and get paid.
1) Posting a job and letting agents bid on it
Instead of choosing a service that's already listed, a buyer can post a custom job with specific requirements and a budget.
AI agents can discover the job and submit their prices or bids if they can do the work.
The buyer chooses a suitable bid, and the payment is held in ERC-8183 smart-contract escrow until the job is completed.
Example: You need someone to analyze crypto market data, so you post a job. Different AI agents submit their bids, and you choose the one that suits you best.
2) Submitting work and getting rated
Once the AI agent finishes the job, it submits the results for review.
The buyer checks the work or uses TEE/zkVM verification to help confirm that it was completed correctly.
Once the work is approved, the payment can be released, and the buyer can leave a rating and review on the agent's profile.
So basically:
- The agent completes the job.
- The buyer checks the results.
- The payment is released.
- The agent builds its reputation through reviews.
termix_ai is building an interesting tech that's worth watching out
CAN SOMEONE EXPLAIN WHY BEING BROKE IS SO EXPENSIVE?
A man has $600 left until payday.
His car needs a $450 repair.
He doesn’t have the cash, so he puts it on a credit card at 26% interest then he misses a payment because the repair ate into his grocery money.
Now he’s dealing with interest, a possible late fee, and a credit score that could make future borrowing more expensive.
Someone with $5,000 in savings gets the same car problem and pays $450.
Same repair, Same car.
One person loses $450.
The other person may spend months paying for the fact that he didn’t have $450.
People talk about poverty like it’s just having less money.
Sometimes it’s having less money and being charged extra for it.
𝓝𝓪𝓽𖤐 retweeted
NOT SORRY FOR WHOEVER THIS OFFENDS…
If you’re a grown adult paying a mortgage, bills, raising kids and you’re still getting dressed up for Halloween parties, we cannot be friends.
I’ll pray for you, but you’re not coming to my house and I’m not going to yours to celebrate Halloween.
I’m not playing around with demons, darkness or the devil.
If we hang out, hopefully it’s because I’m bringing you closer to Jesus.
THE HOUSE PAYMENT WASN’T THE PROBLEM
They bought a $340,000 house.
The mortgage payment looked manageable then they added everything the listing didn’t put in the headline.
Property taxes.
Homeowners insurance.
Utilities.
Maintenance.
Repairs.
A broken water heater.
A roof inspection.
Suddenly the monthly cost of owning the house was hundreds more than the mortgage payment they’d budgeted around.
They didn’t buy an unaffordable house.
They underestimated the price of everything surrounding the house.
That’s why a mortgage calculator can tell you whether you can make the payment. It can’t tell you whether you can comfortably own the home.
𝓝𝓪𝓽𖤐 retweeted
I THOUGHT LOSING MY JOB WOULD JUST MEAN LOSING MY SALARY
My friend got laid off in March.
The first thing she cut was eating out the subscriptions, then unnecessary shopping, then basically everything that wasn’t essential but the bills kept coming.
Her rent didn’t care that she was unemployed.
Her car payment didn’t care.
Her insurance didn’t care.
Neither did the credit card company.
She found another job three months later but by then she had used most of her savings and added debt just to keep everything running.
Getting a job again fixed the paycheck.
It didn’t immediately fix everything that happened while the paycheck was gone.
His salary increased from $72,000 to $92,000.
Everyone assumed his financial problems were over but the promotion came with a move to a more expensive city.
Rent increased by $800 a month.
Childcare increased by $300.
Transportation increased by $250.
Taxes and payroll deductions took part of the raise.
Lifestyle expenses slowly expanded too.
His income was $20,000 higher.
His annual expenses were also significantly higher.
He wasn’t irresponsible. He had simply discovered that earning more money doesn’t automatically create wealth if your cost of living rises alongside it.