Discussion in 'The Bathysphere' started by Apollo, Dec 8, 2015.
at least it is still cheaper than rent for a 1 bedroom apartment in NYC
That's true. I just look at it as being thankful that I live in an area that has plenty of decent paying jobs with areas of cheaper real estate. Add in the daycare costs to my mortgage and it's close to $2500 each month. That would be rent in a 2 bedroom apartment in Boston, let alone places like NYC or California cities.
I can't imagine looking at $2500 - $3000 rent or mortgages for my lifetime. I know the salaries in cities make it closer but give me low rent/mortgage and I'll find a way to live comfortably.
Isn't this the problem facing society? Cost of living is increasing exponentially, but the wages aren't scaling to match. Honestly, I personally think the cost of living should decrease dramatically rather than wages scaling, but what do I know?
To quote Mr. Robot... "fuck society."
I think it is true overall but there are ways to live at means comfortably. Most people I know that are skilled and qualified to work make a decent living. I come from a blue collar family and extended family, and all are doing decent to well so I don't get to see a lot of hardship. I take people's word for it, I think I'm just in a good location in terms of wage/cost balance.
I feel like the biggest problem of all is student loan debt. It makes the cost of living feel worse than it is.
Yes and no, in my opinion.
I think cost of living is still too high. It wasn't long ago that a father could work a 40 hour a week job and provide comfortably for his family of 4 or 5 while his wife stayed home, maybe a part time job, and took care of the kids/house/transportation.
Now, that same family has both parents working 40 hours a week while the kids have to attend daycare and they can't afford the same size house and "luxuries" like food, transportation and private schools.
My parents bought their house (4 bedrooms, 1 bath, two floors, large yard) in 1980 for around $30,000ish. My dad worked full time (making around $35k), my mom worked as an at-home babysitter (making around 15k). My sister and I were both put through private school. Nothing luxurious. But we got by.
Now, that same house costs $260k. I make about $37k. My wife makes about the same. My kids have to be in public school and daycare because my wife has to work. We rent because we can't get a mortgage for a house. And we are in constant financial issues.
People can say it's all about the pay all they want. To me, it's horseshit. If I made more, the houses would just go up more to match. The cost of living is what's increasing while pay for similar jobs are remaining relatively static. And since both parents need to work, kids need to be in daycare which is also stupid expensive. Not to mention that they need to be in public school because private schools are expensive AF.
Don't get me wrong, school loans are horrid. They force you to either spend a ton on them or default and kill your credit forcing you to never be able to get a loan later in life. I still say all private debt needs to be eliminated by the government, or at least forgiven 90% to give people a chance to repay. I myself owe around $120k in school debt. It's not the reason I can't make ends meet though. I make enough to be happy. But I can't save money when rent is more than a mortgage (but I can't get a mortgage because I don't have the down payment because I don't have the savings...). It's a very vicious cycle. I constantly have to skip one payment to make another. It's not about the money I make. It's about the money that it costs to live.
You know houses go sky high when my dad bought his first house in 1983 for $30,000 and sold it in 2005 for $310,000. I bought mine in 2012 for $145,000 and its probably only ever going to be worth $200,000 if I fix it up to look amazing.
Totally anecdotal here but because I bought a house I could afford (was approved for twice the mortgage we went ended up with), cut cable and have cheap cars with no payments, I was able to sustain my family of 3 on one income, which was a below average income according to the census. It can still be done IF student loans weren't such a big thing. If I had student loans, none of that would have been possible.
What annoys me is that people say that in the past people lived very comfortably on one income. They were living with no cable, internet, cell phones, computers, video games, massive student loans, exotic vacations were only for the rich, families owned 1 car. It wasn't exactly a paradise of luxury like some people make it out to be, they were slaving away at that one job just to "put food on the table and wearing whatever clothes they could afford/make.
While substantively true, I think you're undervaluing the effect the cost of living increases have had on society. Yes, there is a lot more to be had now. But things like electricity and gas have increased exponentially too. Things like that are still necessary in today's world. The problem is that the cost of those things are increasing at a rate unsustainable by today's income standards. The solution is not to make more money, but to have those things cost less. All making more money is going to do it cause those already outrageous prices to increase further and devalue the money. (EDIT - Upon re-reading that, I may get misunderstood when I say "make more money." I meant print more money. Though making more money also constitutes getting a second job, which is a second income, which is what I'm avoiding in the sake of my argument.)
Thing is, how you did it, is not the case for the clear majority of the country. Most people can't get a mortgage (though those that do do not follow your wise path). Most people don't have the desire to cut cable (mostly for their kids, I find). Some can't get cheap cars (because they either get a lemon that breaks down or that cheap cars are still $10k and need a loan), not to mention one car isn't a reality for most families.
For example, I could have my wife quit her job, put both my kids in public school, sell my car and keep my wife's paid off car (which needs TONS of work done), cut cable and internet (which is almost impossible nowadays), sell off/cancel anything other than cell phones because they are required by today's standard, and yet with only rent, I STILL could not afford living. One full paycheck doesn't cover rent. Then I still need to paid, gas, electric, insurance and phones and I'm tapped out. Can't buy food or clothes. Either way, I see complete validity in your statement, though. School loans are a boon, big time. I just think the complete elimination of them doesn't solve the problem. Not for everyone, anyway.
I found the hardest part about cutting cable was thinking about doing it. Once I committed to it, I haven't missed it and its been 3 years now. I'm sure I'll get it again when my kids are a bit older but by then, daycare will be over and I'll be able to budget it back in.
I will admit that Playstation Vue made me seriously consider signing up since it month-to-month and only $30 a month...
I just pay for internet and not cable tv. There are ways to stream or otherwise view any tv shows you want on the computer that do not involve paying money...
NO THERE AREN'T, I DON'T DO THAT AT ALL. NOTHING TO SEE HERE!
Yeah, I've been talking about it for a while now. We mostly watch Netflix anyway. The rest, I can piggyback off my parent's Verizon account and stream through my xbox one and ps4 for things like HBO, Starz and Showtime. It would save a good $100 a month, I just haven't done it yet. Honestly I'm blaming pure laziness and fear as the reasons.
Related to cable, it was funny, I let a Direct TV rep try to persuade me back with special offers because I keep ignoring them. The last bill I paid to them was $112 after all the promos ended and the 2 year contract ended.
After 25 minutes of me saying no to all their offers, they ended with 2 year locked in rate of $19.99 with no equipment charges, free Sunday Ticket, NHL Center Ice, Extra Innings for 1 year, a $200 Visa gift card and 6 months of HBO, Showtime and Stars.
Still said no because screw them. They tell me when I cancelled that they can't do better than $65 a month and now they can give me a $20 cable bill for 2 years locked in? Nope, after a year I have to pay around $40 a month for the sports and $30 for the primo channels after 6 months. Its so sleazy and I want no part of it. The cost isn't the problem, its the principle. I'd gladly pay a company a flat rate of $60 a month for cable that doesn't screw around with pricing packages over what the cable companies do.
That's how my internet is - locked in at $50 a month. I'm fine with it. It has never changed. Which is good, because I have no other internet options. :\
Signed up to run a table for my weekly Pathfinder session. Only one person signed up for it, but I offered to run a table- so I had to show up in case we had some curious onlookers or people who don't sign up via the website.
But I had to walk to the bus because my other rides were otherwise occupied. So, I get on the bus and dig through my bag for the scenario to review it and get it ready... When I couldn't find it, i realized- i left the session at home.
Texting my friend, i asked him to get me a copy- he's a coordinator, so he access to all the scenarios. And I get there, and grab the scenario and realize that he doesn't have reward sheets. so, the post-its i brought will have to act as an IOU.
Luckily for me, (or unfortunately, as I wanted to join the DnD5.0 table with a character I haven't played since a game convention), three people showed up and I had enough for a full table.
We managed to get through the scenario, and I got a ride home from one of my players; whom I gave his reward sheet upon arrival.
also, picked up the new NonPoint album.
So Alexander Boris de Pfeffel Johnson, like Lazarus rising, has become Foreign Secretary.
Will he engage with the United States?
Although perhaps it's better posting him abroad, given that he described Portsmouth as "too full of drugs, obesity, underachievement and Labour MPs" and was forced to make an apology tour to Liverpool after accusing the city's residents of wallowing in their "victim status"
Well, Boris wasn't wrong...
My car has been in the shop getting a new clutch, clutch seals, uh, something else and having 2 warranty recalls fixed so they lent me a 2016 Ford Fusion with all the options and it is glorious. I kind of want to ask them to keep my car, I'll give them like $5000 and let me keep this one...
Either way, at least my car is finally going to be properly fixed. Ford has been stingy with these full clutch rebuilds but I finally got in on it. And it will still retain the 150,000 warranty, too!
...those days where you wake up and all you want to do is crawl back into bed...
You mean Mondays through Fridays?
I like Mondays because I get to look forward to salmon for dinner. Also, work is way less work than being home with the family.
Heh, I have salmon every Monday as well.
Great minds think alike. Perhaps it's all the good stuff in the salmon?
Probably. I was never introduced to fish until I was later on in my teen years and by then, it was hard to get used to. Now I pretty much eat anything fish or seafood so we introduced it early to the kids. Wild salmon in particular is supposed to be the most healthy to your body and mind so its worth it.
Nah, I like work, I just hate those days where you can't get yourself going and everything feels like it takes every ounce of energy to complete.
Saw Flogging Molly last night, great show- haven't been to a concert in a while.
didn't get home until 2am- concert got out just before midnight, had to walk several block to catch a train to where i parked, then a half-hour nap to where i parked, than a drive home.
next concert in a couple of months- Megadeth, Metal Church, Amon Amarth, and others. gonna be a great show.
That's one hell of a lineup, should definitely be a great show!
I love Amon Amarth's new album. I thought their previous two before were a little generic. I've listened to the new one almost as much as Twilight of the Thunder God.
I went to the Thunder God tour - they had no opener and played over 3 hours with a 15 minute intermission. It was amazing and only cost $15 for tickets.
doing errands, i asked my friend whether or not i should try to get tickets for concert in September at the mall or at a concert venue on the bus route. The venue on the bus route used to sell tickets for other venues- being a Ticketmaster Outpost- but no longer. They only sell tickets for their venue. So... an hour out of my way for nothing. well, not for "nothing" grabbed lunch at a small burger joint it hadn't gone to since June, and visited another gaming store. still, long detour.
And I expected all the damned "fees" ticketmaster plasters all over, but after buying 4 tickets at $40 each, all the "extra fees" were practically the cost of another ticket. :/
Make sure you get there in time for Havok. They're an amazing thrash band!
I actually went to a show last night (Nervosa), which ruled. I won free tickets to Heavy Montreal while there, and managed to reconfigure my weekend plans so now I'm driving to Montreal tomorrow morning! I get to see Blind Guardian, Sabaton, Nightwish, and many more awesome bands
Nice! Blind Guardian is my favorite power metal band. I never really got into Sabaton, but my brother loves them. They aren't bad by any means; they just don't do anything for me for some reason. But that will be a killer show. Have a blast!
My brother and I are discussing going to see Blind Guardian in Omaha (about a three hour drive from KC) in September. I hear they are playing the Imaginations From the Other Side album in its entirety during their North American tour.
You guys and your metal bands... I'm planning to see Chvrches in September... yes, female led electronic-pop. Leave me alone.
Yesterday was awesome. We went to a local place that has a beach and 3 big waterslides. Since my daughter is only 3, she had to ride with an adult. My wife took her 4 times down the slide, but I went with her 10 or 11 times. I'm so sore today from that and chasing her in the lake. Then we got chinese food on the way home. Everyone passed out at around 8 and I enjoyed my dinner and a beer then passed out at 9.
One more week until my birthday, guys. Start planning your gifts accordingly.
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