the "credit card kids" story thread!

[CMDane]

Originally posted by 845
Dont hate the player hate the game.

Hate the playa AND the game

[rdb123]

Originally posted by schiesz


Rarely anyone drives into the local paintball store and drops $6-7k on guns for kids that have no idea what they are. At least I hope its rare... I'm guessing anyone with that kind of disposable income is paying a high average tax rate. You seem to know the tax laws pretty well, how high of an income hits the 40% average?

I don't know the exact statistics, but I must say that most people you hear running around saying "I'm being taxed 38%" isn't necessarily true.

Since the US Government operates on a progressive tax scale, you are taxed more for TAXABLE income. A few things that would be untaxable are stuff such as reimbursed moving expenses, child support payments, workers' compensation, etc. However, stuff like a company car must be converted to cash value and added onto taxable income for that year.

The progressive tax system that we have in place has a Marginal Tax Rate. A marginal tax rate is (change in tax rate)/(change in income). The confusion comes about when people in the 38.6% marginal tax rate bracket think they are paying 38.6% of their income. Average tax rate is defined as being (total income taken by IRS)/(year's total income).

In order to illustrate the difference between the average and marginal tax rates, we can look at this for an example: Social Security.

Most of us know that when we are presented with a paycheck, social security taxes are already taken from the paycheck. Now, Social Security tax is around 6.79% up to 86,000 dollars (might be 80,000, not fully sure).

Now, what if you have a yearly income of $150,000? Well, since only the first 86,000 dollars of it is social security taxable, you lose $5,834.40 to Social Security. But wait, you made an extra $64,000 dollars that was NOT taxable by social security. In reality, only 3.89% of your total income was taken by social security.

However, supposing you only make 70,000 dollars per year, 6.79% of that goes to IRS, or $4,753. In total, 6.79% is lost to Social Security.

In the end, Social Security is what is known as a Regressive tax--the marginal tax rate CAN be lower than the average tax rate. Social Security taxes take less of a burden on the higher-income workers. However, federal income tax is a progressive tax which means the marginal tax rate is usually higher than the average tax rate--placing a larger burden on the higher earning people.

Sorry for the long winded response to your question, but in short, almost no one is paying 38.6% of their total income to the IRS.

The only taxes that would come close to making a person pay this much would be corporate taxes. The only way someone would be taxed 38.6% is if they make their own one-man business a corporation; but that's beside the point.

I hope you were able to follow me, I was in a bit of a hurry to type this.

-Ron

[No sKiLLz]

Heaven forbid we get off the subject...

[rdb123]

Originally posted by No sKiLLz
Heaven forbid we get off the subject...

Haha, well he asked for it.

I don't really mind those kinds of kids--they are just having their fun. Who are we to dictate that they are not allowed to have fun at all?

[afrankart]

Pointing at something shiney and whining and crying untill I get it isn't exactly my idea of fun. Although I hate to see that happen, I take more pride and have more fun with my things because I work hard to pay for them and am proud of them.

[Sir_Brass]

[diatribe]
I don't mind if a kid has a really nice gun and even if he sucks at playing as well. if he/she's having fun and loving the game, then I'm glad that that kid is playing. I can teach that kid a thing or two even if I have a whole lot more to learn myself. The kids who play to play, who enjoy the game because it's fun, I like those kids.

The kids I CAN'T stand are the ones who, sadly, happen to have mommy & daddy pay for everything, but I've seen kids just as bad or worse who aren't like that. It's the spoiled whiny attitude that I hate.

Last spring I had my (then) excellently working and shooting near-stock JT Excellerator 3.5 (till it started screwing up for no good reason when I got home for the summer, it was a surprisingly UBER excellent blowback gun. I really loved it) when one of the little kids who played with us asked me about my gun.

q: "So, what's that gun?"
a: "JT Excellerator three five"

q: "Oh, that sucks then. It's brass eagle, right?"
a: "Um, no. It doesn't suck. And this is JT. They make near midrange guns for BE now. And this gun is actually quite good for a blow back."
q: "oh, ic. I've got an autococker."

This is a kid who comes in every week and acts like he's the king of the world. Now, I wouldn't have a problem with him since he's young and has every right to act like he's cool, b/c he's a kid, he's naive by nature. let him have those few years till life smacks him around some. HOWEVER, this is the kid who would have on a fleece cammo sweater when we'd go play. I remember my flank man saw him in the brush during a game and lit him up. it went like this

"I see him, man. Watch my sides, I'll take this guy out."

*pop*pop*pop*

*pause*

*autococker chatter*

"HEY! STOP SHOOTING! YOU ARE OUT!"

*autococker chatter*

*pop*pop*pop*

"I hit you. You are OUT! *pop*pop*pop* You are OUT!"

It took him about 15 paintballs that all broke on this little joker for the kid to stop shooting back. The guy shooting him called himself out right after that, b/c he had taken hits by the little cheat, and had only stayed on to get the kid off the field. He shouldn't have been out, since the kid was out before he lit up my flank man. But my flankman was a good guy.


It's the kids with attitudes (they are also the ones who have no concept of sportsmanship and cheat when they can get away with it. this kid that I speak of only paused to wipe off the paint, then shot back) who tick me off. They are also the ones who often seem to spend mommy's & daddy's money. Whereas I worked 8 hours a day, 5 days a week in the hot HOT weather doing blue collar maintenance work for the County Water department to get my used PPS blazer (which is a WONDERFUL GUN) and some new gear.

If you EARN the right to get a new expensive gun (for kids who can't get jobs with enough bank, or can't be hired yet) or earn the money, then that new marker will mean MORE to you than it normally would and you will treat it like it is a treasure b/c you worked hard for it.

I LOVE my marker, because I worked hard for the money I used to buy it. Many hard 40 hour weeks went into buying my marker. And now that summer is over and I'm back at school, I have only the money I saved from work this summer to afford all I get now, that includes food, supplies, hair cuts, toiletries, etc. not to mention paint and air. Earning money like this would be a GREAT way for a kid to learn the value of the things you buy, and just how far a dollar won't get you.

Now, like I said, if the kid has a nice marker that mommy & daddy bought him, but he enjoys the game and is eager to learn from others how he can get better and truly enjoys playing, then mom and dad deserve thanks for raising their kid well (they probably told their kid that they'd get him the Angel, but that that would be the only marker he'd have until he saved up enough money on his own to buy another) and for getting him into our great sport.
[/diatribe]

hope I made sense here.

[SIGSays]

man i wish i were those kids...

[mcdkid]

hey

i'll admit my parents bought my first gun($150) and my 2nd gun($500), but i payed them back within 2 months (during summer when i work at my dads shop, 10am-10pm every weekday). And when it comes to paint i'm out at my local field almost every weekend(year round, rain and snow) reffing, even the week before last on my B-day i was out there taking the welts and the common "ref abuse".

so do u think i earned my mag?

by the way i'm 15.

[yeahthatsme]

hey...less chat more stories! i dont care if you disagree with what somebody says or if you payed for your stuff, this is a credit card kid STORY thread, so lest chit chat more stories.

[dinger]

i know a certain someone who actually attempted credit card fraud many times.

he almost did it too. but those darn internet sites were too smart for him, yet had everything went through he would have been paintball rich [lots of skateboards too], but best of all he was 100% untraceable.

but trust me, he knows better now that he knows what the legalities of cc fraud are....

[ERut]

When I'm a parent, my kids aren't getting jack squat from me, except food, shelter, and love. And I'm gonna whoop their arshe every time they talk back!

[dinger]

id recommend one of these


ehehehe www.mattswhippage.com for more info lol


and to make this post suitable for this thread, i find it ironic how my mom just activated her new credit card, and within the first week there was about 700$ of paintball stuff ordered on it

hehe

[Blazingace]

I like the credit card kids. First I get to blow them off the field. Secondly they trade their guns for a fraction of what they are worth, so I get a good deal. God bless 'em.

[maggin68]

credit card kids are so funny tho because they have no clue what kind of gun they have

all they no is it cost alot of money so they well be realy good at pb

the greatest reward is when u play aganst tehm and you destroy them

[spyxtra]

i know a certain someone who actually attempted credit card fraud many times.

thats not even what they are talking about

and doesnt that someone kinda ring a bell