Miss Tequila
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Post by Miss Tequila on Oct 12, 2015 0:04:41 GMT -5
Let me guess. You're a Republican? They never want to pay for anything. We pool our money and everybody benefits.
Not ALL our money of course. You still get to keep a sizable chunk of it. With a little hard work, you can buy this. These are the kinds of houses just up the street from me.
There are wealthy people in every country...not sure what your point is.
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Miss Tequila
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Post by Miss Tequila on Oct 12, 2015 0:05:38 GMT -5
Let me guess...government run or paid for? I would rather not be taxed for others choices. Let me guess. You're a Republican? They never want to pay for anything. We pool our money and everybody benefits.
Not true...I want to pay for my choices...not yours or anyone else's.
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weltschmerz
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Post by weltschmerz on Oct 12, 2015 0:09:32 GMT -5
Let me guess. You're a Republican? They never want to pay for anything. We pool our money and everybody benefits.
Not true...I want to pay for my choices...not yours or anyone else's. Not true? You're a Democrat?
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Miss Tequila
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Post by Miss Tequila on Oct 12, 2015 0:19:39 GMT -5
Not true...I want to pay for my choices...not yours or anyone else's. Not true? You're a Democrat? What does my political affiliation have to do with my comment?
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weltschmerz
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Post by weltschmerz on Oct 12, 2015 0:21:33 GMT -5
Not true? You're a Democrat? What does my political affiliation have to do with my comment? I called you a Republican and you said "not true." If you don't want to admit you're a republican, I understand.
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Miss Tequila
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Post by Miss Tequila on Oct 12, 2015 0:23:12 GMT -5
What does my political affiliation have to do with my comment? I called you a Republican and you said "not true." So let's bicker back and forth over what I replied to versus the content of my reply....that is definitely your MO...snark over substance...which gets tiring and is no fun...so my last reply to you on this
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Miss Tequila
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Post by Miss Tequila on Oct 12, 2015 0:24:51 GMT -5
What does my political affiliation have to do with my comment? I called you a Republican and you said "not true." If you don't want to admit you're a republican, I understand.
Cute how you edited more snark after you posted it the first time....you must be a blast at parties.
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weltschmerz
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Post by weltschmerz on Oct 12, 2015 0:29:32 GMT -5
I'm always the life of the party.. Thanks for noticing.
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NastyWoman
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Post by NastyWoman on Oct 12, 2015 0:44:09 GMT -5
It's cute how you say that as if it isn't exactly what you get taxed for now. The only debate is which choices your going to be taxed for. I'll take daycare so women can go back to work over tax breaks for corporations any day. Hmm...tax breaks for an entity providing jobs or tax breaks for a person's choices...Yep, I will take the job creators Every once in a while I feel the need to throw this in: those other people's choices, are tomorrows doctors, nurses, storekeepers etc. I really would like them as well educated as possible (especially since I don't have enough kids of my own to cover the full spectrum) since I'd like my future caregivers to be literat. And good childcare is an integral part to that. Making it unaffordable for people to provide that for people, is not in their or MY best interest -> subsidizing childcare is good for eVeryone. JMO
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Miss Tequila
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Post by Miss Tequila on Oct 12, 2015 0:50:22 GMT -5
Hmm...tax breaks for an entity providing jobs or tax breaks for a person's choices...Yep, I will take the job creators Every once in a while I feel the need to throw this in: those other people's choices, are tomorrows doctors, nurses, storekeepers etc. I really would like them as well educated as possible (especially since I don't have enough kids of my own to cover the full spectrum) since I'd like my future caregivers to be literat. And good childcare is an integral part to that. Making it unaffordable for people to provide that for people, is not in their or MY best interest -> subsidizing childcare is good for eVeryone. JMO Poor people already get subsidized childcare (or free). I completely disagree with making childcare free or crazy inexpensive for everyone. If you can't afford kid you shouldn't be having them.
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weltschmerz
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Post by weltschmerz on Oct 12, 2015 0:52:12 GMT -5
Hmm...tax breaks for an entity providing jobs or tax breaks for a person's choices...Yep, I will take the job creators Every once in a while I feel the need to throw this in: those other people's choices, are tomorrows doctors, nurses, storekeepers etc. I really would like them as well educated as possible (especially since I don't have enough kids of my own to cover the full spectrum) since I'd like my future caregivers to be literat. And good childcare is an integral part to that. Making it unaffordable for people to provide that for people, is not in their or MY best interest -> subsidizing childcare is good for eVeryone. JMO Very well said. Too many people fail to see the Big Picture.
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msventoux
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Post by msventoux on Oct 12, 2015 1:03:49 GMT -5
If I was going to live cheaply I'd have to get rid of my animals. All those little buggers are expensive! Their food, supplies and healthcare costs more than mine does each month.
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Deleted
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Post by Deleted on Oct 12, 2015 8:22:52 GMT -5
I'm glad I never wanted a $2m house. We are perfectly happy in our $300k one, that's more then we said we would ever spend on one. There are some areas such as northern NJ where the $300K house doesn't exist in a decent neighborhood in a good school district, but I know what you mean. When DH and I moved from NJ we'd sold 2 houses (just married) worth a total of about $750K in 2003. We bought one in our new LCOL area for $242K even though $750K houses existed in some lovely gated communities. It's made a HUGE difference in what we've been able to save, and houses have turned out to be a poor investment here over that period. We sold ours for $290K even though we'd enclosed the back deck, put in granite countertops and maintained it well. If I was going to live cheaply I'd have to get rid of my animals. All those little buggers are expensive! Their food, supplies and healthcare costs more than mine does each month. DH and I watch Dr. Pol and another show featuring students at the Cornell Veterinary School and we find it mind-boggling that some people who clearly don't have a pot to pee in have pets. (One guy mentioned being unemployed for the last 5 years and his dog was "my only friend"; another couple lamented that they had a 2-year old and they'd just managed to put aside a little savings and their doggie had just ingested some anti-freeze.) I respect them for still getting care for their pets when times are hard (I know some people just abandon them), but getting a pet in the first place just seems like a bad idea when you're living paycheck to paycheck.
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Deleted
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Post by Deleted on Oct 12, 2015 8:55:11 GMT -5
It's cute how you say that as if it isn't exactly what you get taxed for now. The only debate is which choices your going to be taxed for. I'll take daycare so women can go back to work over tax breaks for corporations any day. Hmm...tax breaks for an entity providing jobs or tax breaks for a person's choices...Yep, I will take the job creators No they aren't. They take the handouts then move the jobs somewhere with cheaper labour and no environmental laws. No one creates jobs out of charity. They do it because they think it will make them rich.
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happyhoix
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Post by happyhoix on Oct 12, 2015 10:21:27 GMT -5
Hmm...tax breaks for an entity providing jobs or tax breaks for a person's choices...Yep, I will take the job creators No they aren't. They take the handouts then move the jobs somewhere with cheaper labour and no environmental laws. No one creates jobs out of charity. They do it because they think it will make them rich. My own personal experience with tax breaks for corporations came after the 2008 economic downturn. The city where I work was doing tax breaks and handing out cash to local companies that were expanding. We were in the process of building a third manufacturing building (which we had planned to do for five years) and we were not significantly impacted by the 2008 downtown, so we didn't need any government help. However, the city and state came with buckets of cash for us. I talked to the head engineer of the project and he said, as a fiscal conservative, he didn't want to take the money, but as a businessman, he couldn't turn down free cash, so we ended up getting about a 150K freebie for doing something we intended to do anyway. At the same time, our city has a poorly performing school system (most people with money send their kids to private schools, so the public schools are very underfunded). We have trouble recruiting new management employees partly because the schools rank so low and the managers don't want to transfer their families here. Our city has also had trouble recruiting new industries that require a well educated work force (although we do good with the tourist type industries, and with hotels/restaurants, because we have plenty of poorly educated employees needed for service industries). Interesting that the City threw so much money at industry during the 2008 downturn, to try to help businesses stay afloat, but won't invest in the schools needed to provide a quality workforce for those businesses.
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HoneyBBQ
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Post by HoneyBBQ on Oct 12, 2015 11:29:19 GMT -5
I was going to post, then decided not to. Geez, people!
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Deleted
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Post by Deleted on Oct 12, 2015 11:31:34 GMT -5
If this thread is going to be about job creation or government assisted child care could a moderator please close it.
Thank you.
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Deleted
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Post by Deleted on Oct 12, 2015 11:36:37 GMT -5
If this thread is going to be about job creation or government assisted child care could a moderator please close it. Thank you. That is unfair. Most of us that made off topic comments also addressed the OP. All it takes to go back to the OP is to post about the OP.
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Deleted
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Post by Deleted on Oct 12, 2015 11:43:34 GMT -5
Every once in a while I feel the need to throw this in: those other people's choices, are tomorrows doctors, nurses, storekeepers etc. I really would like them as well educated as possible (especially since I don't have enough kids of my own to cover the full spectrum) since I'd like my future caregivers to be literat. And good childcare is an integral part to that. Making it unaffordable for people to provide that for people, is not in their or MY best interest -> subsidizing childcare is good for eVeryone. JMO Poor people already get subsidized childcare (or free). I completely disagree with making childcare free or crazy inexpensive for everyone. If you can't afford kid you shouldn't be having them. It's actually quite difficult to get subsidized childcare. There are long waiting lists for it here. Lots of people qualify, but there is only a limited amount they give out, so it's not based on income but on available funds.
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Deleted
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Post by Deleted on Oct 12, 2015 11:46:41 GMT -5
If this thread is going to be about job creation or government assisted child care could a moderator please close it. Thank you. That is unfair. Most of us that made off topic comments also addressed the OP. All it takes to go back to the OP is to post about the OP. There are different people who go to the different forums. It seems whenever I want to ask something here that is remotely not about personal finance it gets moved by a certain moderator. I asked about "recession" which i thought was clearly about money and it got moved. I once asked "not counting politicians who are the leaders in the US" and it was moved to "politics". The rules are so incredibly arbitrary. One poster can do x, the next can't. Post whatever, wherever you want. I am trying to figure out something about money, and was hoping to get some thoughts here.
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Shooby
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Post by Shooby on Oct 12, 2015 11:50:46 GMT -5
If I had too, I could live in a small apt. And, eat pretty cheaply. It isn't that hard to make some simple decent food. Buy bags of frozen veggies, bags of rice. Eat less meat as it is fairly expensive. But, could switch to eating chicken thighs which are a good bargain. I like to make soups so certainly could do that. You can exercise cheaply. Just go out and walk. There are lots of things we can all do cheaply if we would choose too. You can go the library and rent free videos, books or even use the internet and on and on.
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Deleted
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Post by Deleted on Oct 12, 2015 11:51:06 GMT -5
That is unfair. Most of us that made off topic comments also addressed the OP. All it takes to go back to the OP is to post about the OP. There are different people who go to the different forums. It seems whenever I want to ask something here that is remotely not about personal finance it gets moved by a certain moderator. I asked about "recession" which i thought was clearly about money and it got moved. I once asked "not counting politicians who are the leaders in the US" and it was moved to "politics". The rules are so incredibly arbitrary. One poster can do x, the next can't. Post whatever, wherever you want. I am trying to figure out something about money, and was hoping to get some thoughts here. Ok, I didn't consider that. I've seen what you mean. The other thing I forgot to mention is that I have 2 bedrooms downstairs with their own family room and bathroom. I always have the option of renting rooms to university students for extra income if I want/need to.
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Deleted
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Post by Deleted on Oct 12, 2015 11:55:25 GMT -5
There are different people who go to the different forums. It seems whenever I want to ask something here that is remotely not about personal finance it gets moved by a certain moderator. I asked about "recession" which i thought was clearly about money and it got moved. I once asked "not counting politicians who are the leaders in the US" and it was moved to "politics". The rules are so incredibly arbitrary. One poster can do x, the next can't. Post whatever, wherever you want. I am trying to figure out something about money, and was hoping to get some thoughts here. Ok, I didn't consider that. I've seen what you mean. The other thing I forgot to mention is that I have 2 bedrooms downstairs with their own family room and bathroom. I always have the option of renting rooms to university students for extra income if I want/need to. would you want to? I liked weltz's idea of moving to Bhutan. I wish she would flesh it out.
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Apple
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Post by Apple on Oct 12, 2015 12:49:44 GMT -5
I had a coworker who planned to move to Poland when he retired. His wife was still a Polish citizen, so they could have. However, he got very sick a couple years before he retired, ended up with colostomy bag, etc, and decided to stay in the states for the healthcare. He always talked about how he could live like a king there.
After visiting, if I could move there (not sure what the immigration rules are like), I would seriously consider it! Currency exchange rate is definitely in our favor.
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Deleted
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Post by Deleted on Oct 12, 2015 12:53:47 GMT -5
I made 13K last year, up from 8K the year before.
1. paid off property with low taxes 2. no waste. ever. 3. reduce, reuse, recycle 4. have no or few monthly bills, mine are:
Car Insurance: $100 Phone: $30 (straight talk) Power: $150
5. drive quality old cars.
I have an 96 Olds Cierra with 215K miles on it. The last 80K or so we put on its new motor. We paid $1400 for the car, and have put less than $2K into it over the past 8 years. For under $4K that car has gotten us through two teen drivers and all of the necessary driving for the last 8 years or so.
I also have an old 4WD S10 Blazer from the 80s. I use it when I want to go off road or one of the kids has my car. I drive my truck, but only when necessary because it gets crappy gas mileage.
That's how you live inexpensively. No longer do you buy produce and toss it, you plan and you use ALL of it. I also find that we eat much more healthy/basic foods like rice, all varieties of beans, nuts, peanut butter, eggs and other inexpensive healthy foods that were a normal part of the American diet in the past.
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Apple
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Post by Apple on Oct 12, 2015 13:00:16 GMT -5
After a couple bad years, I'm motivated to build on my property again. The experience with the log home builder still leaves a bad taste in my mouth though, so even though I have the logs, I'm not sure I want to put them up. So, I'm looking at other options. Logs are paid for though, so seems like a bad deal to go do something else, but...
I've talked to a guy living up there, and he wants to do a log house. He'd had one designed in the past (for Montana, I believe), and said it is almost exactly my design. He's also been a general contractor, done all aspects of house building, etc.
So, while building a house is not cheap, we are looking at bartering to keep the costs down for both of us. He would take the logs and erect them on his own property, in exchange for doing my foundation, acting as my general contractor, and other little things I'll need on the way. We'll both save in "true" expenses. He won't have to put up cash for the house, I won't have to put up cash for a general contractor. We'll negotiate on the foundation, see where he is with that. (ETA: I'm looking into a modular home, found one I really like)
I think bartering can be a great way to live cheap if you can come up with a good trade. I'd love to be able to have a room in a house here in town in exchange for home cooked meals when I'm there. I'd have to cook anyway, and if there was an older person who just needed a little company and to eat well, it could be perfect (but even better if they don't want a lot of company, but like the idea that someone else is there). I'd be willing to trade a few hours of babysitting someone's kid for fresh eggs "straight from the chicken's butt".
I just traded an old cooler I didn't need for some smoked sockeye.
If someone I knew was using a laundromat, and was handy, I'd exchange doing their laundry for little repairs I need help with.
I wish I could find more people to barter with!
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Post by mojothehelpermonkey on Oct 12, 2015 16:13:46 GMT -5
If this thread is going to be about job creation or government assisted child care could a moderator please close it. Thank you. Weren't you asking recently about how to start a thread that would generate a lot of posts? Well played.
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midjd
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Post by midjd on Oct 12, 2015 16:46:42 GMT -5
Hickle, I can lock the thread if you want, but IME the best way to get it back on topic is just to ignore the off-topic posts My ability to live cheaply would largely depend on whether I had a FT job. If I had to cut back due to job loss, I think I could slash our grocery bill significantly by doing more batch cooking, shopping sales, and cooking from scratch. That could probably free up $200 - $300/mo. I could also sell some things (e.g. I am waiting for my BFF to have a yard sale next spring to get rid of all DD's baby gear, but could list sooner on Craigslist if needed). Maybe another $200/mo. I would save another few hundred a month by not driving as much, not eating lunch out, and not paying for parking. I would be reluctant to completely pull DD out of daycare, but could probably find someplace cheaper that was part-time. Cutting our budget much while DH and I are both working would be harder. We rely on semi-convenience foods and spend extra money on gas, auto maintenance, parking, clothing, etc. I need high-speed internet for my job (we don't have cable, just Prime) and a working cell phone. In 4.5 years we'll be fully rid of both auto loans and my student loans, and will just be paying aftercare for DD, so that will free up almost $2K per month. We should be able to live more cheaply then (knock on wood).
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tskeeter
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Post by tskeeter on Oct 12, 2015 17:02:05 GMT -5
If you decided to live on the cheap how would you do it? Not that you were limited by money, but limited by the desire to live frugally. You get to decide what "cheap" means. I assume no doing something that you would hate. Would you give up cable and eating out completely? How low in spending could you get and still be happy? I hope my question is clear. I am asking because I am kind of interested in a minimalist lifestyle and am kind of cheap. I think I could be happy enough on ~$15 k a year, but I often have things happen that cost, so am not sure. I have a paid for house. I could raise some food and get my food bill down low. My electric bill is levelized and after last year I ended up getting back $200. They changed the amount I owe each month to $40/ month. I think I could get it down to $30/month. If I stay healthy, I could get the heating bill down to under $200 a year, by cutting my own firewood. I need ~$30 a month for McDonald, and can get my internet there easily. One of the options for reducing cash spending would be to barter your services for things you need. As a glass guy, I'd imagine that you're pretty handy with a lot of things. Would the local grocery store be able to use an on call handyman in exchange for meat or produce that is getting toward the end of it's shelf life? Would local businesses want a once a month service that replaces burned out light bulbs? Would a local gas station want someone to clean the washrooms and the window glass on a regular basis in exchange gas? Or do cleaning at a local restaurant in exchange for some meals? Many apartment building managers get a substantial discount on their rent in exchange for the management services. Get a used bike and a used bike trailer. Then you don't need to start an engine to go to the grocery store or to run other errands.
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Post by mojothehelpermonkey on Oct 12, 2015 17:31:11 GMT -5
My brother's roommate gets by on almost nothing cash wise because he is really handy when it comes to home repairs. The last time we visited, he had just been paid for some work at a bar that was shut down in jugs of Malibu. He traded them to his sister for canned goods.
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