zibazinski
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Post by zibazinski on Sept 5, 2015 14:41:33 GMT -5
Do pregnant women qualify for unemployment?
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TheHaitian
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Post by TheHaitian on Sept 5, 2015 14:41:54 GMT -5
What about the "fixed" bills? - mortgage - car note - utilities ... Etc That's the stuff you have to think about when you are setting yourself up. Otherwise you're selling and downsizing. Hindsight is always 20/20 ... In French there is a saying : "Si Jeunesse savait, si viellesse pouvait" "If youth only knew, if age only could". - what if house is upside down? Or have to bring money to the table?
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zibazinski
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Post by zibazinski on Sept 5, 2015 14:44:41 GMT -5
Oh, and it was pointed out to me that both first children stayed in a one bedroom until second one was born. One bedroom cheaper than two bedroom. So having a child did not mean an automatic upgrade to a two bedroom apartment. Having the second one did.
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zibazinski
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Post by zibazinski on Sept 5, 2015 14:45:56 GMT -5
That's the stuff you have to think about when you are setting yourself up. Otherwise you're selling and downsizing. Hindsight is always 20/20 ... In French there is a saying : "Si Jeunesse savait, si viellesse pouvait" "If youth only knew, if age only could". - what if house is upside down? Or have to bring money to the table? Some people have roommates. Ones that pay rent. Some people don't consider having families until CC and car loans are paid off. SL's can last forever.
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Deleted
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Post by Deleted on Sept 5, 2015 14:50:06 GMT -5
That's the stuff you have to think about when you are setting yourself up. Otherwise you're selling and downsizing. Hindsight is always 20/20 ... In French there is a saying : "Si Jeunesse savait, si viellesse pouvait" "If youth only knew, if age only could". - what if house is upside down? Or have to bring money to the table? Hindsight my ass. Maybe some people out there can pull the ignorant card, but you know all the risks you take on buying with nothing down and financing cars. You get pages of warnings here from pretty much everyone but Phil. But say someone is upside down on a house. Well, they either walk away or they make more income. There is no quitting to stay home with kids or if the job loss is not due to that, they get something else ASAP, take on second or third jobs, whatever it takes.
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Deleted
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Post by Deleted on Sept 5, 2015 14:51:55 GMT -5
What about the "fixed" bills? - mortgage - car note - utilities ... Etc Well, that's why I've always preached against committing yourself to a lot of high monthly payments. When I finally faced the fact that my first husband wasn't going to work again I slashed all the services he'd insisted we have: cleaning lady, lawn service, subscription radio. I paid only the min on his maxed-out ccs. I kept the same car from 1991 till 2003, when it had over 200K miles. Bought all clothes except business wear at Marshall's. Bought business clothes at Wallach's semi-annual Wardrobe Sale. Things eased up financially after the divorce.
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TheHaitian
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Post by TheHaitian on Sept 5, 2015 14:55:17 GMT -5
Do pregnant women qualify for unemployment? Yes... If they happen to be pregnant while unemployed
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Robert not Bobby
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Post by Robert not Bobby on Sept 5, 2015 14:55:45 GMT -5
Hindsight is always 20/20 ... In French there is a saying : "Si Jeunesse savait, si viellesse pouvait" "If youth only knew, if age only could". - what if house is upside down? Or have to bring money to the table? Hindsight my ass. Maybe some people out there can pull the ignorant card, but you know all the risks you take on buying with nothing down and financing cars. You get pages of warnings here from pretty much everyone but Phil. But say someone is upside down on a house. Well, they either walk away or they make more income. There is no quitting to stay home with kids or if the job loss is not due to that, they get something else ASAP, take on second or third jobs, whatever it takes. So, staying at home with kids isn't a "job"?
It should never be a job in the emotional sense, but the time and effort? Seems like a job to me, which doesn't pay well.
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zibazinski
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Post by zibazinski on Sept 5, 2015 14:57:40 GMT -5
I thought in order to qualify, you had to be able to work. The guy I fired lost his claim for unemployment twice. Not by my doing either. The unemployment place said he was employable. True enough but he'd have to actually work after a 19 year vacation!!
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TheHaitian
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Post by TheHaitian on Sept 5, 2015 14:58:38 GMT -5
Hindsight is always 20/20 ... In French there is a saying : "Si Jeunesse savait, si viellesse pouvait" "If youth only knew, if age only could". - what if house is upside down? Or have to bring money to the table? Hindsight my ass. Maybe some people out there can pull the ignorant card, but you know all the risks you take on buying with nothing down and financing cars. You get pages of warnings here from pretty much everyone but Phil. One more time: this is not about ME
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zibazinski
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Post by zibazinski on Sept 5, 2015 15:00:06 GMT -5
Hindsight my ass. Maybe some people out there can pull the ignorant card, but you know all the risks you take on buying with nothing down and financing cars. You get pages of warnings here from pretty much everyone but Phil. But say someone is upside down on a house. Well, they either walk away or they make more income. There is no quitting to stay home with kids or if the job loss is not due to that, they get something else ASAP, take on second or third jobs, whatever it takes. So, staying at home with kids isn't a "job"?
It should never be a job in the emotional sense, but the time and effort? Seems like a job to me, which doesn't pay well.
It's definitely a job. But one you have to be able to afford to take.
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TheHaitian
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Post by TheHaitian on Sept 5, 2015 15:00:06 GMT -5
But say someone is upside down on a house. Well, they either walk away or they make more income. There is no quitting to stay home with kids or if the job loss is not due to that, they get something else ASAP, take on second or third jobs, whatever it takes. What if daycare = lower income? And working 2-3 jobs are easy in theory, not so much when applied in real life when you add kids/obligations etc. Just playing devil's advocate
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TheHaitian
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Post by TheHaitian on Sept 5, 2015 15:01:39 GMT -5
So, staying at home with kids isn't a "job"?
It should never be a job in the emotional sense, but the time and effort? Seems like a job to me, which doesn't pay well.
Poor people can't afford to work jobs that don't come with paychecks. That's why they don't do as much volunteer work as middle class and wealthy families. From 2 income to 1 doesn't necessarily means poor... If mom is staying home for the kids she can volunteer at school : PTA and such...
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TheHaitian
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Post by TheHaitian on Sept 5, 2015 15:02:25 GMT -5
I thought in order to qualify, you had to be able to work. The guy I fired lost his claim for unemployment twice. Not by my doing either. The unemployment place said he was employable. True enough but he'd have to actually work after a 19 year vacation!! What
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Deleted
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Post by Deleted on Sept 5, 2015 15:02:33 GMT -5
Hindsight my ass. Maybe some people out there can pull the ignorant card, but you know all the risks you take on buying with nothing down and financing cars. You get pages of warnings here from pretty much everyone but Phil. But say someone is upside down on a house. Well, they either walk away or they make more income. There is no quitting to stay home with kids or if the job loss is not due to that, they get something else ASAP, take on second or third jobs, whatever it takes. So, staying at home with kids isn't a "job"?
It should never be a job in the emotional sense, but the time and effort? Seems like a job to me, which doesn't pay well.
Um...not sure where that is coming from. I never said taking care of kids wasn't a job. If it wasn't I wouldn't have written thousands of dollars in daycare checks over the years, but if you can't pay the mortgage with one spouse home, then either the house goes or the spouse goes back to work...at a paying job.
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TheHaitian
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Post by TheHaitian on Sept 5, 2015 15:03:06 GMT -5
So, staying at home with kids isn't a "job"?
It should never be a job in the emotional sense, but the time and effort? Seems like a job to me, which doesn't pay well.
It's definitely a job. But one you have to be able to afford to take. Or cannot afford to not take : when daycare more than person would be bringing in.
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Deleted
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Post by Deleted on Sept 5, 2015 15:03:06 GMT -5
Hindsight my ass. Maybe some people out there can pull the ignorant card, but you know all the risks you take on buying with nothing down and financing cars. You get pages of warnings here from pretty much everyone but Phil. One more time: this is not about ME Could have sworn I read something different on Facebook this morning....
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Deleted
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Post by Deleted on Sept 5, 2015 15:04:10 GMT -5
Hindsight my ass. Maybe some people out there can pull the ignorant card, but you know all the risks you take on buying with nothing down and financing cars. You get pages of warnings here from pretty much everyone but Phil. One more time: this is not about ME It's ALWAYS about you!
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Robert not Bobby
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Post by Robert not Bobby on Sept 5, 2015 15:04:50 GMT -5
So, staying at home with kids isn't a "job"?
It should never be a job in the emotional sense, but the time and effort? Seems like a job to me, which doesn't pay well.
Poor people can't afford to work jobs that don't come with paychecks. That's why they don't do as much volunteer work as middle class and wealthy families. Okay, I'm not sure I fully understand you, but Okay...my mom volunteers for a bunch of stuff and I help build homes for Habitat for Humanity...are you starting to see the hallo around my head?
If you can, give back.
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TheHaitian
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Post by TheHaitian on Sept 5, 2015 15:06:00 GMT -5
What about the "fixed" bills? - mortgage - car note - utilities ... Etc Well, that's why I've always preached against committing yourself to a lot of high monthly payments. It doesn't even have to be "a lot"... Just basics after mortgage payment is made might be difficult for some families depending on the income lost.
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TheHaitian
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Post by TheHaitian on Sept 5, 2015 15:07:17 GMT -5
One more time: this is not about ME Could have sworn I read something different on Facebook this morning.... Yep, not about ME!
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Post by Deleted on Sept 5, 2015 15:08:02 GMT -5
It's definitely a job. But one you have to be able to afford to take. Or cannot afford to not take : when daycare more than person would be bringing in. There are still work arounds. Work opposite shifts or weekends or get into a childcare sharing arrangement.
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Deleted
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Post by Deleted on Sept 5, 2015 15:08:09 GMT -5
Erase all you want, but you posted you were going to live on one income and save the other one. I'm not that crazy to imagine it.
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zibazinski
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Post by zibazinski on Sept 5, 2015 15:08:35 GMT -5
Mortgage used to be the huge income suck. Now it's SL's. Add a mortgage to that mess? You live to make payments -forever.
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zibazinski
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Post by zibazinski on Sept 5, 2015 15:10:11 GMT -5
There's a reason that years ago you needed 20 per cent down and it could only be 25 per cent of your net or 33 percent of your gross.
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TheHaitian
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Post by TheHaitian on Sept 5, 2015 15:10:17 GMT -5
One more time: this is not about ME It's ALWAYS about you! Nope! Just looking around and cousins that have spouses that have lost jobs or gotten divorced; how they made it work. - one moved in with his wife mother so do not pay rent. - one just hustled and have managed to make it work but her credit is shot. She just financed a new highlander at 9% and my jaw dropped... Between her car payment and insurance I could buy my dream car. - another one is still undecided but seems to be managing Just wondering and making conversation!
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zibazinski
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Post by zibazinski on Sept 5, 2015 15:11:44 GMT -5
My first house payment was 25 per cent of my net. Living on that other 75 per cent was hard even a lot of the time. I didn't have a car payment or cc debt or student loan even.
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zibazinski
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Post by zibazinski on Sept 5, 2015 15:21:44 GMT -5
I thought in order to qualify, you had to be able to work. The guy I fired lost his claim for unemployment twice. Not by my doing either. The unemployment place said he was employable. True enough but he'd have to actually work after a 19 year vacation!! What He worked for DH for 19 years. I only looked back at 5 years. He never even brought in his salary in sales, let alone his insurance and car allowance. Way overdue for firing.
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TheHaitian
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Post by TheHaitian on Sept 5, 2015 15:22:43 GMT -5
There's a reason that years ago you needed 20 per cent down and it could only be 25 per cent of your net or 33 percent of your gross. Even if a family followed that "rule"; it would have been 25% person of household net income or 33% of their combined gross income. Losing 1 income would still hurt! Or even if the person was single and followed your rule, a 50% paycut would still hurt!
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TheHaitian
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Post by TheHaitian on Sept 5, 2015 15:23:04 GMT -5
Erase all you want, but you posted you were going to live on one income and save the other one. I'm not that crazy to imagine it.
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