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Joined 7 months ago
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Cake day: February 23rd, 2024

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  • The large U.S. carriers have plans that are, I think, $20-30 a month and you get the newest phone as soon as it comes out, apple or Samsung. They also partner with manufacturers for discounts and trade-in deals, especially when a new model comes out. My last phone was 2 years old but when they offered me the newest one for something like $120 after trade-in (I think that was almost $1100 off, I don’t remember all the details) I upgraded everyone on my plan. I think they did the same thing this year but even with those discounts the pain in the ass of upgrading plus the price, even though it’s low, wasn’t worth the small year over year change. Probably next year or the year after. Assuming similar deals, that makes it $40-$60 a year to get a new phone every 2-3 years.

    Edit: You do have to stay with the carrier though. If you leave in less than 24 months you have to pay back a prorated part of the discount. Or at least the part that comes from the carrier, I think you keep the enhanced trade-in from the manufacturer.















  • I make a little more than double the cap. I’m in favor of increasing or eliminating the cap but that would double my check in the future. (Not quite, I haven’t made double the cap my entire working life, but it would increase it a lot.) That would still help a bit because not all of our withholdings go to basic social security. Some goes to disability, spousal benefits, etc. Increasing taxes and benefits proportionally, which is the way benefits are structured now, doesn’t solve anything.

    I believe social security has a lot of value so I’m in favor of not just fixing the funding, but expanding it as well. But if you want to make it healthier just with payroll taxes they would have to be progressive, like income tax, without increasing benefits.