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(ABC)   Americans are in such lousy financial shape that 4 in 10 say they could not come up with $2,000 if their lives depended on it   (abcnews.go.com) divider line 424
    More: Sad, Americans, Financial Industry Regulatory Authority, Pew Charitable Trusts, Sufis, confidence interval  
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6734 clicks; posted to Main » on 08 Apr 2014 at 10:16 AM (33 weeks ago)   |  Favorite    |   share:  Share on Twitter share via Email Share on Facebook   more»



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2014-04-08 06:46:20 PM  

Majick Thise: I have been like this for all the thirty years of my adult life... until this year. Now I have no debt other than a mortgage and that should be gone this year as well and I should have about a years pay left over

yay me


Dave Ramsey would be proud.  But seriously, good for you.  Am doing the same thing.  Found a really good budgeting software on a Steam sale (thats right!), called You Need A Budget (YNAB).  Great stuff.  Actually makes sense and is pretty easy to stick withl.  By the middle of this year, I should be pretty much in the same place, with only my car and home loan left.

I think Dave Ramsey's priorities are out of whack, but the kernel idea of getting out of revolving debt is good.  Where he messes up, IMHO, is on the 401k front. He says not to contribute anything until you are out of debt.  It think that is silly if you have company match; don't leave that moneys setting on the table.  He also wants 3-6 months of emergency fund.  3 is fine, but 6 is probably overkill, especially once you are out of debt, though YMMV.

All in all, it is a good thing to think about.  Revolving debt is a killer. Car payments, provided you are employed and aren't exorbitant, are a reasonable expense.  Same with a house payment.
 
2014-04-08 07:14:44 PM  
If I had it all to do over again, I would have married well at 20. Or, I would have stripped through college, avoiding student loans. I have absolutely no moral problem dancing naked for money. WHY DID I NOT DO THAT

/yes, I'm totally serious
 
2014-04-08 07:34:54 PM  

RyansPrivates: I think Dave Ramsey's priorities are out of whack, but the kernel idea of getting out of revolving debt is good.  Where he messes up, IMHO, is on the 401k front.


There and the whole "pay off the smallest debt first" thing. I have 2 student loans. One is at a very low rate and currently not even accruing interest at all. Another larger one at 6.8% and accruing interest every day. Dave Ramsey's logic would have me pay off the smaller, cheaper one first. That would cost me real money.

I know he's going for a psychological thing, but it's pretty simple to understand that paying off high interest debt is cheaper long term. I'd rather watch my total debt go down than the number of debts.
 
2014-04-08 07:46:31 PM  
A couple months ago, I could've scrounged up a couple grand.

Oh, yeah, that's right, I did.

Stage 3 cancer took care of that in the first day of hospitalization, even with the best insurance my employer offers.

Now, a couple grand poorer, and much deeper in debt.
 
2014-04-08 08:01:54 PM  

fireclown: grimlock1972: fireclown: [www.mamascritics.com image 850x625]
Baby step 1:  set up an emergancy fund of $1500.

The guy is occasionally kind of nutty, but the bones of his plan are pretty sound.

your baby step is probably too big for many right now as $1,500 all at once is a big hit to alot of people, i for example would have to split it over 3 months.

Then take three months.  Heck, take 4.  Then take the money that you were putting to the emergency fund, cut WAY the hell back on your WRITTEN budget and start digging into the rest of the debt.    When I finally decided to get my financial shiat in order (and it was a basket case), it took me a little over two years to clear out credit card debt, car loan, and some misc debt.  I didn't get into that hole overnight, and I didn't get OUT overnight.


I am currently debt free other than my mortgage and i pay that on time,n= My bidget is damned tight and there is very little i could cut with out eating your average college kid's diet.
 
2014-04-08 08:36:34 PM  

Devo: Nutsac_Jim: lennavan: More than one-third of workers (36 percent) have only $1,000 saved for their later years

 
This article is about the 40 percent of people that don't have savings. We could be looking at 40 percent of grandmas walking around homeless. How would the economy be affected there were a bunch of homeless grandmas? Your social security is a no homeless grandma tax. I prefer it to t ...


Tough time reading?

I already went over that grandma has less money because of social security.

Why do you hate grandmas and want them to be homeless?
 
2014-04-08 08:38:50 PM  

impaler: And nobody keeps paying you after your retirement ran out because you fuked up and lived too long.

It's retirement insurance, not retirement savings.


Tough time reading?

The income I referred to will NEVER end.


Keep on mindlessly tooting the horn though.  Don't let numbers confuse you.

Toot Toot!
img.fark.net
 
2014-04-08 08:55:06 PM  

Nutsac_Jim: The income I referred to will NEVER end.


Holy shiat. 2008 was 6 years ago. The stock market hit bottom only just slightly more than 5 years ago. How the fark did you forget it?

If you're living off of your investments, you're assuming 8% yearly growth, and 2008 happens, you're SOL. The bills still have to be paid, so you're drawing down your account during the crash. What's that gonna do for you? How's the eventual recovery gonna work out when you had to draw down your capital to keep the heat on and you have no other source of income?

Oh, well, take less risky investments then, right? Good luck getting 8% on a conservative investment strategy. You don't get to assume 8% growth on average without assuming eating a shiat sandwich every now and then.
 
2014-04-08 09:00:06 PM  

Sergeant Grumbles: Nutsac_Jim: Except for nobody taking 2/3 of your money, nobody taking 100% of it if you die at or before 61, and your kids get nothing unless they are "lucky enough" that you die when they are 5 or so.

Other than that, sure,.. its *just* like social security.

Hey, you want to discuss turning Social Security into some kind of national pension/401K, I'm all ears, but don't pretend that your Save Dumbasses From Themselves Retirement Act doesn't address many of the very same problems Social Security was created to combat.


I never said it didn't address them.
It addresses them much the same as using a bucket fixes the leak in your boat.
Because it tries to address it, does not make it a good plan.

Yes, it gives you back some money.  1/3 of your own damn money.
Social security does pay about 62,000 people a fat assed salary though.  Who shiats on 100k a year?

Who pays for that?  Grandma.
She just doesn't know it.

Name one thing in Soc Sec that isn't already done better by yourself.

You can already put money in an IRA.
Free.

Fidelity will already print up disbursement checks for you.
Free.

Fidelity will tell you how much you have every month.
Free.

All you need to do is
-Make deposits mandatory.  Your payroll can automatically make the deposit for you, or have the IRS do it for you.

It would be difficult to replace though.  Ponzi schemes(or the more popular term, 'pay as you go' plans) fall apart when you cut down on the new joiners.

You will note that the  Save Dumbasses From Themselves Retirement Act does not fall apart if enrollment drops.
Nobody will ever say 'We have to 'fine tune it' now, before it is too late!"
 
2014-04-08 09:13:58 PM  

Tyrone Slothrop: Strange, Republicans and Libertarians keep saying that individuals should have total control of their money, because they know better how to handle it than the government. And yet it appears that if we did dump SS/Medicare/etc there would be millions that would have to work until they died just to make ends meet, or end up starving on the street.


Republicans say one thing but are every bit as big as welfare statists as the democrats.
http://www.lewrockwell.com/2014/04/laurence-m-vance/republicans-love -w elfare/

Libertarians are against the use of force. This is the source of objection to forced charity through the tax code. If the government wants to offer voluntary programs (actually voluntary, not like income tax is voluntary) then the primary libertarian objection falls away.

Those folks who think they can use the government to save people from themselves accomplish two things. 1) They enrich politicians and their friends. 2) They build better irresponsible idiots.

I would rather have the 12% of my earnings that has been taken from me for SS. Yes, the "employer half" is my earnings too. If I returned every penny my employer paid to keep me there except that 6% I'd get fired and they would find someone else. See if I had that money, then I wouldn't have to keep a separate reserve fund. I can't count on ever getting a dime of that money back from the fedgov, so I have to keep separate savings for job loss/retirement/etc.

Also the federal reserve for the federal government's benefit is keeping interest rates at essentially zero which means savers don't earn anything unless they enter the wall street casino, the commodities market, or other various risky gambles with their savings.

Meanwhile the irresponsible people this is supposed to help still end up destitute and so forth. That is of course those we are told it is supposed to help. It's helping the irresponsible folks on Wall Street and at the big banks quite well, which is probably the intent.

So exactly why is it worth punishing the prudent of this society because some people can't be bothered to be responsible for themselves?
 
2014-04-08 09:14:27 PM  

thurstonxhowell: Nutsac_Jim: The income I referred to will NEVER end.

Holy shiat. 2008 was 6 years ago. The stock market hit bottom only just slightly more than 5 years ago. How the fark did you forget it?

If you're living off of your investments, you're assuming 8% yearly growth, and 2008 happens, you're SOL. The bills still have to be paid, so you're drawing down your account during the crash. What's that gonna do for you? How's the eventual recovery gonna work out when you had to draw down your capital to keep the heat on and you have no other source of income?

Oh, well, take less risky investments then, right? Good luck getting 8% on a conservative investment strategy. You don't get to assume 8% growth on average without assuming eating a shiat sandwich every now and then.



HOLY shiat !
Really?

So.. you have 3x as much money, and you are going to be worried that you took a 40% dump, and that 4 years later, it was back 100%?

I am going to go on the assumption that arent going to have $24,000 monthly heating bills.  I'm sure you will be fine.

Besides, if you are retired.. and you are taking disbursements, you can walk it in with tbills and bonds for retirement.  So 2008 never happens for a second reason.
 
2014-04-08 09:18:17 PM  

Nutsac_Jim: You will note that the  Save Dumbasses From Themselves Retirement Act does not fall apart if enrollment drops.
Nobody will ever say 'We have to 'fine tune it' now, before it is too late!"


Yeah, it only falls apart if people start getting sub-8% returns. That's only happened for, like, half the years since 2000, so it'll totes be fine.
 
2014-04-08 09:25:37 PM  

Nutsac_Jim: So.. you have 3x as much money, and you are going to be worried that you took a 40% dump, and that 4 years later, it was back 100%?


It's not back 100% if I've been drawing it down.

Nutsac_Jim: Besides, if you are retired.. and you are taking disbursements, you can walk it in with tbills and bonds for retirement.


I thought I was living off of the interest. It will "NEVER" end. Obnoxious caps lock and everything. That's certainly what you keep saying. You're not getting 8% on "tbills and bonds", so say goodbye to that assumption. You're draining the account. If the stocks go negative, the account is draining itself without your help.
 
2014-04-08 09:29:55 PM  

thurstonxhowell: Nutsac_Jim: The income I referred to will NEVER end.


Holy shiat. 2008 was 6 years ago. The stock market hit bottom only just slightly more than 5 years ago. How the fark did you forget it?

If you're living off of your investments, you're assuming 8% yearly growth, and 2008 happens, you're SOL. The bills still have to be paid, so you're drawing down your account during the crash. What's that gonna do for you? How's the eventual recovery gonna work out when you had to draw down your capital to keep the heat on and you have no other source of income?


ok,.
So you are all on average and have 1,500,000 right up to 2008.  Worst possible scenario evar...
You lose 40% in a day !  ouch, your anus hurts.
You now have 900000.
The market is paying you D.I.K.   you get ZERO percent.
You have to liquidate to get your disbursement.
Do you get your shiat 1700$  Eff it.  you need the 5000 you expected without Social Security!
12x5000 is 60000.
year one  900,000 - 60,000 is 840,000
year two  840,000 - 60,000 is 780,000
year three 780,000 - 60,000 is 720,000
year four  720,000 - 60,000 is 660,000

OUCH   what an ass raping.   only 660k left.  What a fool, you spent 5000 a month, even though you should have planned for social securities 1700.
Oh well.. live and learn.  Next time.. no big screen TVs !

Now thats the worst case scenario.  Take money out at the worst possible time.
OK.  Now your money doubled because the market came back fully in 2012.   But Eff it.  No run up for you. compounding and shiat.. nope.
Just double it now.  1,320,000.

fark it.  Who can live off 1.3 million.   Not grandma!

Now, at 4%.  you are only making $4,333 instead of social securities $1700.

WHAT ARE YOU GOING TO DO?>?>??!?!??!!?!!  O NOOOOES
 
2014-04-08 09:31:50 PM  

thurstonxhowell: Nutsac_Jim: You will note that the  Save Dumbasses From Themselves Retirement Act does not fall apart if enrollment drops.
Nobody will ever say 'We have to 'fine tune it' now, before it is too late!"

Yeah, it only falls apart if people start getting sub-8% returns. That's only happened for, like, half the years since 2000, so it'll totes be fine.


And the other half of the years since 2000?
 
2014-04-08 09:35:22 PM  

thurstonxhowell: Nutsac_Jim: So.. you have 3x as much money, and you are going to be worried that you took a 40% dump, and that 4 years later, it was back 100%?

It's not back 100% if I've been drawing it down.

Nutsac_Jim: Besides, if you are retired.. and you are taking disbursements, you can walk it in with tbills and bonds for retirement.

I thought I was living off of the interest. It will "NEVER" end. Obnoxious caps lock and everything. That's certainly what you keep saying. You're not getting 8% on "tbills and bonds", so say goodbye to that assumption. You're draining the account. If the stocks go negative, the account is draining itself without your help.


"It's not back 100% if I've been drawing it down. "
Insignifigant when looking at the big picture.  You still make 4333 instead of 1700.   You don't make $4950.   Boo hoo.

"You're not getting 8% on "tbills and bonds",
That is why the calculation was based on 4%.
 
2014-04-08 09:37:16 PM  

thurstonxhowell: Yeah, it only falls apart if people start getting sub-8% returns. That's only happened for, like, half the years since 2000, so it'll totes be fine.


And that's only if Wall Street doesn't specifically try and screw with the SS money. They've been trying to get their hands on that money for ten years or more, and you can be sure it's not so anyone but themselves can have a nicer retirement.
 
2014-04-08 09:38:52 PM  
THIS IS OBNOXIOUS CAPS LOCK.

THIS is emphasis.


I guess if you can't do math, be a grammar Nazi.
 
2014-04-08 09:39:11 PM  
Well sure if you exclude blue collar crime as a means.
 
2014-04-08 09:44:14 PM  

Sergeant Grumbles: thurstonxhowell: Yeah, it only falls apart if people start getting sub-8% returns. That's only happened for, like, half the years since 2000, so it'll totes be fine.


And that's only if Wall Street doesn't specifically try and screw with the SS money. They've been trying to get their hands on that money for ten years or more, and you can be sure it's not so anyone but themselves can have a nicer retirement.



Yes, that is what it is.  It isn't about not screwing grandma some more.   It's about  imagining Wall Street 1%ers are all saying "We almost have it.  Muahahahaha! Wait until they put it in private accounts!  Then its OURS"

//With all caps goodness
 
2014-04-08 09:47:47 PM  

Nutsac_Jim: It's about imagining Wall Street 1%ers are all saying "We almost have it. Muahahahaha! Wait until they put it in private accounts! Then its OURS"


And you're under the assumption that this isn't occuring? Why would they want to gamble with their own money when they can gamble with grandma's?
 
2014-04-08 10:00:24 PM  

Nutsac_Jim: THIS IS OBNOXIOUS CAPS LOCK.

THIS is emphasis.


Nutsac_Jim: WHAT ARE YOU GOING TO DO?>?>??!?!??!!?!!  O NOOOOES


Nutsac_Jim: I guess if you can't do math, be a grammar Nazi.


I guess if you're a dickhead, be a dickhead.
 
2014-04-08 10:04:02 PM  

thurstonxhowell: I guess if you're a dickhead, be a dickhead.


He had to earn a nickname like Nutsac somehow.
 
2014-04-08 10:31:51 PM  

radarlove: lennavan: Especially when you're highly motivated to sell now rather than hold out for a better price.

Bingo.  Can't tell you how often we wished we'd just had more time to sell that stuff.  But landlords hold little respect for the nuances of successful negotiation.

lennavan: Did you consider food stamps/unemployment/welfare/etc? I know it's a giant blow to the ego but that really helps weather the emergency hump.

I've held off on doing that at great expense to my health.  I'm at the point now where I only eat once every two or three days and sometimes sleep even less.  I could describe a litany of symptoms that would rid the thread of the squeamish.

So why hold off?  Why not get on government assistance?

FARK-dot-motherfarking-com

I've been coming to this website since I was a teen and on some level of our minds all voices register.  Somewhere, in the deep dark recesses of my subconscious, there is a breathy voice in a cloud of Maker's Mark that tells me that if I go on public assistance, I am a parasitic leach draining the lives of innocent people and families to serve my own selfish needs and to cover up my own foolish mistakes.  And that isn't something I ever want to be.  I loathe inflicting hardship or even mere inconvenience upon people.  That's just who I am.  I also have particularly low self-worth at this point, so statements that the poor are poor because of what shiatty failures of people they are resonate particularly strongly with me.

I'm trying to look past those voices lately.  I'm not in a location where there are people to assist me with any kind of governmental assistance but my primary focus right now needs to be mental healthcare.  As I'm sure you can infer at this point, a rough spell has taken its toll on an already unstable psychology, so progress on that needs to be made before any more can.  There's a center a couple of hours away that I've heard might offer indigent care, so I'm going to try to find a way to check them out to see if they can get me some help.

To the Farkers on the right-hand side of this thread, I am really, truly, genuinely sorry that I am going to have to do that.  It absolutely rends my heart to take from those who have not offered to give.  But I fear that the harm I may cause some of you by not going on some form of government assistance may be far greater than the harm I will surely inflict upon all of you if I do.

lennavan: Money is supposedly the #1 reason people fight and divorce. If you guys made it through that, you should be set.

I'm afraid this looks to be far from over.  The strain on the marriage is incredible.  Several times I've told myself and her that I'd leave her just to save her from the inevitable implosion, but she insists on staying.  Now I'm in freefall and she's still holding this whole thing together.  She's got to work just to keep us alive AND take care of this psychotic mess when she gets home.  And she's still around.  Says she ain't going nowhere and neither am I (though I don't know where the hell I'd go if we ever did split up).  She's an amazing woman and I'm acutely aware of how lucky I am.  =)


Hey. If you are still around, drop me a line. B­eng­aley*summe­rc­at[nospam-﹫-backwards]li­a­mg­*co­m

You might be asleep; goodness knows i might be in two hours. Worst case i respond in the morning :)
 
2014-04-08 10:38:58 PM  
As for the question...

I could, maybe. If it was omfg important. Got about 1.5k liquid in checking and savings... But in terms of assets i dont have much in the way of salable items. Most of my valuables are only so to a tiny market (furry fandom) and only to a small minority of em (pre2000 items, obscure comics, etc) that i got cheap because almost nobody else want em.

And im the richest member of my family, and throuhly depressed that my best hourly rate ever is less than Australian minimum wage.

/friend dragged me over there for two weeks
//goddamn it was awesome.
 
2014-04-08 10:48:06 PM  

thurstonxhowell: I guess if you're a dickhead, be a dickhead.


I am sorry that math is hard for you Thurston.
 
2014-04-08 10:51:35 PM  

Sergeant Grumbles: Jument: You're missing the point: it's really not a lot of money. Take a hard look at where your money is going.

And you're missing the point. It really IS a lot of money when you're poor.


It is a shiatload of money if you're really poor. An extra $100 a week would kick me up from not even surviving right now to just barely making it (at least, I could pay the bills I've been ignoring for two months). I got behind on my bare edge of survival when I took the bar exam and had to skip a week of work, plus spend half an extra week's pay on food and travel expenses--that was all it took. Now lucky for me, I have a home to stay in; but if I didn't, I'd be in a world of hurt. It's taken me two months to dig myself back out of a very small hole.

This business of "looking at where your money is going" is b/s. I know where my money is going: out of a take-home monthly pay of $800/month, $200 goes to Aunt Sallie Mae, $100 goes to dental insurance, $50 to my sole credit card, $80 for gas, $25 for Internet access and email, $150 for token rent and utilities to my mom, $30 for my meds, and the rest to keep my bank account from having overdraft fees. If I'm not mistaken, that equals just under $800. Where shall I start cutting? It is true, I could be working more than I do, although it's difficult to quit a good part-time job to wait for a better full-time job; still, I do what I can. However, the idea that even impoverished people are somehow wasting money on unneeded frivolities and just need to "cut back" is ludicrous. If I'm spending $800/mo on barest necessities, what's happening to people with, you know, families and actual rent and things?
 
2014-04-08 10:54:29 PM  
 

thurstonxhowell: Nutsac_Jim: THIS IS OBNOXIOUS CAPS LOCK.

THIS is emphasis.

Nutsac_Jim: WHAT ARE YOU GOING TO DO?>?>??!?!??!!?!!  O NOOOOES

Nutsac_Jim: I guess if you can't do math, be a grammar Nazi.

I guess if you're a dickhead, be a dickhead.


Being a dickhead.   You mean like switching around the order of my quotes so they appear to prove your point?

That kind of dickhead?
 
2014-04-08 11:00:58 PM  

Nutsac_Jim: thurstonxhowell: I guess if you're a dickhead, be a dickhead.

I am sorry that math is hard for you Thurston.


Wow, you're really rocking this "defending your point and not just being a dickhead for no reason" thing, huh?
 
2014-04-08 11:03:21 PM  

Nutsac_Jim: Being a dickhead.   You mean like switching around the order of my quotes so they appear to prove your point?


So that was a totally non-obnoxious and not at all dickheadish use of CAPS lock, then?
 
2014-04-08 11:11:56 PM  

Gyrfalcon: This business of "looking at where your money is going" is b/s. I know where my money is going: out of a take-home monthly pay of $800/month, $200 goes to Aunt Sallie Mae, $100 goes to dental insurance, $50 to my sole credit card, $80 for gas, $25 for Internet access and email, $150 for token rent and utilities to my mom, $30 for my meds, and the rest to keep my bank account from having overdraft fees. If I'm not mistaken, that equals just under $800. Where shall I start cutting? It is true, I could be working more than I do, although it's difficult to quit a good part-time job to wait for a better full-time job; still, I do what I can. However, the idea that even impoverished people are somehow wasting money on unneeded frivolities and just need to "cut back" is ludicrous. If I'm spending $800/mo on barest necessities, what's happening to people with, you know, families and actual rent and things?


Get off you ass and work.

"It is true, I could be working more than I do, "  --You think?

"it's difficult to quit a good part-time job to wait for a better full-time job "  --How about this?  Go get another part time job and pretend you have a full time job, until the full time job shows up in your lap.

take-home monthly pay of $800/month
WTF.  I made that working part time FedEx until midnight, after my 8-6 job, because I had a kid and needed the money more than I needed to sit on my ass.
What are you doing with yourself the rest of the day?  Doesn't it bother you that your mother is disappointed in you?  That should be enough of an incentive for you.

Where shall I start cutting?
Start off with cutting $100 mo for dental and brush your teeth more often.  Buy a bottle of Listerine once a month.  It's $5.83

Sallie Mae.   What for.  I worked waiting tables and delivered pizzas and delivered newspapers.. at the same time.. None of these are sexy and get you blow jobs.  What they do is pay for school.  I didn't have a loan.  Didn't want one.   Now you have a loan, and no job.  Nice.

Most chumps defer their student loans until after school.  You chose otherwise and work part time for internet and smokes.  Explain.
 
2014-04-08 11:12:48 PM  

Gyrfalcon: This business of "looking at where your money is going" is b/s.


There needs to be a distinction made. There are people who are bad with money, and "look where your money is going" is helpful to them to live more securely and comfortably, but these people are, by and large, not poor. They have money coming in, but aren't utilizing it properly or efficiently. They can see significant savings by cutting out the Starbucks, cutting their $200 cable package, or not springing for a new phone every year. They can and will be hit hard by emergencies because they keep nothing in reserve, but they still have the capability to create a reserve.
They're the kind of people that Dave Ramsey and the like's plan can help, but I must reiterate that these people are not poor and such plans will not work for the poor.

Then, there are the actual poor. They can't cut because there's nothing to cut. Telling them to sell their car or cut the $35/month internet bill will significantly degrade their flexibility, impede networking and job search potential, (is also some of the cheapest entertainment you can find), and more importantly, will do nothing to actually lift them out of poverty. It will literally do more harm than good.
Asking them to save up money they don't have is a non-starter, because even if they did squirrel away $20 every month, the emergencies can and do come much faster than anything that paltry amount of savings is likely to handle.

And add to any of that student loans, and you definitely won't be finding anything to cut. Sallie Mae demands blood, and being a stone is no excuse.
 
2014-04-08 11:15:03 PM  
Every day on my way home, I drive past Waste Management, inc.

They have a sign up.  Now Hiring Full time.

It has been up for at least two years.

If you want, I can get the number for you.
 
2014-04-08 11:15:25 PM  

Nutsac_Jim: I worked waiting tables and delivered pizzas and delivered newspapers.. at the same time.. None of these are sexy and get you blow jobs. What they do is pay for school.


Know how i know you haven't been to college in the last 10 years?
 
2014-04-08 11:19:22 PM  

Sergeant Grumbles: Nutsac_Jim: I worked waiting tables and delivered pizzas and delivered newspapers.. at the same time.. None of these are sexy and get you blow jobs. What they do is pay for school.

Know how i know you haven't been to college in the last 10 years?


You pulled it out of your ass?


Because I am not talking about delivering the morning paper on my bike.
 
2014-04-08 11:19:45 PM  

Nutsac_Jim: Every day on my way home, I drive past Waste Management, inc.

They have a sign up.  Now Hiring Full time.

It has been up for at least two years.

If you want, I can get the number for you.


Ah, wonderful.

We're finally down to "If you'd just look, you'd find a great job."
 
2014-04-08 11:29:08 PM  

Nutsac_Jim: Because I am not talking about delivering the morning paper on my bike.


Even so, the cost of tuition coupled with the cost of living expenses far outpaces what you can make working even multiple jobs in the minimum wage vein.
The cost of a public institution for the 2013-2014 year cost an average $22,826 dollars. Working enough to put a dent in that as well still affording food and shelter, and you might actually have time to go to class if you give up bullshiat like sleeping.
 
2014-04-08 11:36:32 PM  

Sergeant Grumbles: Working enough to put a dent in that as well still affording food and shelter,


Before I get dinged on that, the $22,826 was including room and board.
 
2014-04-08 11:39:29 PM  

Nutsac_Jim: Sergeant Grumbles: Nutsac_Jim: I worked waiting tables and delivered pizzas and delivered newspapers.. at the same time.. None of these are sexy and get you blow jobs. What they do is pay for school.

Know how i know you haven't been to college in the last 10 years?

You pulled it out of your ass?


Because I am not talking about delivering the morning paper on my bike.


Well, since you delivered the morning paper on your bike, that must be a thing that happened in the last 10 years. That was a totally valid response and not at all a non sequitur.
 
2014-04-09 12:43:21 AM  

Nutsac_Jim: Sallie Mae.   What for.  I worked waiting tables and delivered pizzas and delivered newspapers.. at the same time.. None of these are sexy and get you blow jobs.  What they do is pay for school.  I didn't have a loan.  Didn't want one.


Someone went to college in the 90s or earlier.
 
2014-04-09 12:46:23 AM  

thurstonxhowell: Well, since you delivered the morning paper on your bike,


Ha ha!

Delivering a PAPER newspaper.

Not showing his age at all.

What an idiot. I'm 38 BTW, so the moron is describing an economic reality that was valid when I was a kid.
 
2014-04-09 12:56:17 AM  

impaler: Nutsac_Jim: Sallie Mae.   What for.  I worked waiting tables and delivered pizzas and delivered newspapers.. at the same time.. None of these are sexy and get you blow jobs.  What they do is pay for school.  I didn't have a loan.  Didn't want one.

Someone went to college in the 90s or earlier.


I have Nutsac_Jim tagged as "favors flat tax $11000 each individual annually" from some long forgotten economic thread.

So, Nutsac_Jim, let's hear how that person that struggles to save $40 a week, is going to come up with the weekly $211 "Nutsack_Jim" income tax.

God help them if they have a child or two. $844 a week for a family of four, for their flat tax contribution to the greatness of America?
 
2014-04-09 12:56:58 AM  
All of these poors just need to work more.

I was telling my nanny this just the other day.
 
2014-04-09 01:02:11 AM  
affordableluxuryblog.com

My JOOS Orange Solar battery and USB charger hooked up to my laptop with entire offline Wikipedia (via Kiwix) laughs at your monetarily dependent lifestyle.
 
2014-04-09 01:20:05 AM  

impaler: Nutsac_Jim: Sallie Mae.   What for.  I worked waiting tables and delivered pizzas and delivered newspapers.. at the same time.. None of these are sexy and get you blow jobs.  What they do is pay for school.  I didn't have a loan.  Didn't want one.

Someone went to college in the 90s or earlier.


Hell, he paid for school on just the tip money!
 
2014-04-09 01:33:00 AM  
I might be able to get $500-$1000 for my junk car. Getting more than that though, not seeing it happen. I have $0.06 in the bank.
 
2014-04-09 01:33:57 AM  
28-odd years ago, I started putting a whopping $13 per week into my 401K, and even that was painful given my student loans.  Despite my best efforts to screw it up, it's now above half a million.  The truly amazing thing is that it isn't amazing in any way: I've seen it grow by little bitty amounts every month for all these years, except for the white-knuckle times when it took all I could muster to NOT transfer things this way and that.

Time can be your enemy, or time can be your friend.  Make friends with time.
 
2014-04-09 02:21:06 AM  

mofa: 28-odd years ago, I started putting a whopping $13 per week into my 401K, and even that was painful given my student loans.  Despite my best efforts to screw it up, it's now above half a million.  The truly amazing thing is that it isn't amazing in any way: I've seen it grow by little bitty amounts every month for all these years, except for the white-knuckle times when it took all I could muster to NOT transfer things this way and that.

Time can be your enemy, or time can be your friend.  Make friends with time.


But did you have a decent job? It offered a 401K, so it must not have been that bad. Did you have a company match? Have you remained gainfully employed for the majority?
The thing with the poor is that they don't have access to a lot of that stuff, and time is more their enemy because of all the little costs that life throws at them. That $13 a week could be the difference between eating and not eating.
I don't put shiat into my 401K because there's no company match where I work, and the entire idea is a moot point if my student loans aren't paid off.
 
2014-04-09 02:49:14 AM  
Yes; good job, opportunities, meritocracy, Reagan's bloated defense budgets.  I've recently been helping a cousin of mine 20 years younger than me go through a messy divorce and losing custody of her kids, and she'd kill for $10/hour and 20 hours per week.  I was on welfare and food stamps as a kid, so I am constitutionally unable to leave a stable job with benefits.

It's not anyone's imagination: everything is shiat these days.  Please kill the older boomers first; they're assholes.  I am, too, most likely.
 
2014-04-09 03:00:58 AM  

Delawheredad: Before my divorce i had access to that kind of money readily. Since my divorce I have come perilously close to homeless several times. I have a good job with great benefits but i was so taken to the cleaners by my ex wife that my credit union at work turned me down for a measly $3,000 loan!

I once owned a five bedroom house now i live in a rented room in some other guy's house!

DIVORCE SUCKS!


It gets better.  I was sleeping in my car three months after my divorce, while working a full time job.  She was going to Vegas on the child support.
 
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