There is nothing claiming he's a neo nazi.
He just doesn't like the way the word Nazi is thrown around like it doesn't have the heavy weight it should.
It's insane the difference in pricing by location. When I was in Florida last you could be a 3-4 bedroom beach house for only $400k. In North Carolina nice houses in the Raleigh area were going for around $125-200k, and in Texas they were about 400k. These are all houses that were I live would be between 1.5-2 million dollars easily if they even had a lot much bigger than the house itself.
Home prices here are lower but property taxes are utterly ridiculous. I know people paying over $8500/year on $300K single family homes.
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deleted
· 6 years ago
Get a cheaper apartment or fucking share it
Jesus Christ
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deleted
· 6 years ago
Getting a roommate can cut that rent in half.
It's too late, but you shouldn't have taken out a student loan you couldn't repay in full within 4 years of graduating. And it's not too late to sell your car and buy a beater for a couple hundred bucks and eliminate that car payment.
From experience: the beater costs more in repairs. Most apartment complexes won’t let you do those in the parking lot, so you gotta pay to get ‘me done.
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deleted
· 6 years ago
If it'll last you a year, you just saved about $2.5k. put that into a better used car, and keep saving money on that car payment.
deleted
· 6 years ago
Alternatively, you can redirect that $229/mo into the student loan payment. Take a big chunk out of the principal every month, and you might be paying off that loan for six years instead of twelve.
Agree. Not living within your means doesnt automatically give the person the right to cry poverty. Every generation could use the economy as an excuse.
Idk if this is the case for this particular person, but I find A LOT of the people complaining about rent choose to live in some of the most expensive cities in the country ( lile San Fran and NYC and LA ) rather than live in some random Midwest city or get roommates to split the rent.
In fairness I'm not sure what job prospects in bio tech, npo, environmental law, sustainable accounting, or several tech industries are in the Midwest. I know they have companies which do those things, but I'm guessing that they don't have near as many- nor as many start ups or venture capital for such things. And if your goal is to work at a corporation like Tesla, Apple, etc- corporate is headquartered out west and many of the satalite offices are in major metro areas.
If your goal is to work at one of those companies but the combinations of available pay and housing costs tons add up to a positive number you need to change your goal. 50k salary for an accounting job in Rochester goes a lot further than the 65k salary in SanFrancisco.
That's the 2 sides of the coin. Some places only exist in certain locals. If you want to be at the top- the Philharmonic, Broadway, the Met, many research centers, think tanks, Hollywood blah blah. You'll end up in a high cost of living zone. The other misconception there @pokethebear is that you just go to apple and apply as VP or C level. (You can but only if you already have relevant qualifications.) most people need to start a little lower than they want to end up- sometimes at the bottom. So for those 5,10,20 years it takes to work to the top and make the $220K+ a year or more- you're struggling. To become the dean or a department head at a major and field leading university (many of which are in expensive areas) you have a better shot coming from a prestigious institution than Weskoge community college, or the university of tinytown. If you want to play big you have to be where the big opportunities are.
With food and internet, that's 24k a year, which is still less than a minimum wage job in any city where rent is 1.2k. You can still save, you just suck at financies and probably spend money on shit you don't need. You can literally mass buy decent quality chinese cotton clothes for dirt cheap.
I'm not sure where you got your math. At federal minimum wage annual salary is about $15k before tax. At California minimum wage ($10.50) before tax salary is $21,000 a year. Subtract about 20-25% for taxes and that's your take home. Arguably the car is an unnecessary expense- but they'll still have transportation costs and when I was living in the city and going to school close by it was cheaper after breaking down the per mile cost of ownership and operation to drive than use alternate transportation. The student loans they are stuck with since those are no longer absolved in bankruptcy. So I don't see where you're getting your figures from.
Lol, Cali charges that much income tax on minimum wage workers? At $10.5/ hour for 2080 hours you would gross $21840, NY standard deduction (single non-dependent) is 8000 so your NY state tax would be $596/year or less. Federal standard deduction is 6350 and your federal tax burden would be $1855/year or less (your previous year’s State tax is deductible). That would leave your income tax burden at 11.22% leaving $19389 for you. This does not include your property tax or sales tax, but if you are renting and making an effort to go Galt you can minimize these burdens. (If you plug a $40K income into the equations your tax percentage goes way up.)
Rough figure, apologies. In California at that bracket you'd Pay about 7.7%, actual tax, FICA another 7.7., then any medical, dental, etc. your take home would be essentially $771 a check before you paid your medical coverage and any pre tax deductions like a 401k. Some will scoff at that one- and I know that many at minimum wage can't or don't have an IRA or 401, but they should in scope to this conversation. Poorer now or later in life when people can start saying "they are only poor because they foolishly spent money and didn't save for retirement." So that's a no win argument. So total with only "taxes" is 14-16% roughly. After health care etc is a conservative 20-25% if you skimp on medical and run that risk. At federal minimum wage though you're looking at ~$16k a year not ~$22k.
At minimum wage you won't have property tax here unless you inherited. A cheap house in the boonies can be had for maybe $400k at a fixer up deal. Anything that doesn't need work will start about $600k. Closer to the city not much under $1mill. Rent for a single occupant room runs from about $800 for an illegal room like a storage shed with no kitchen use, bathroom, heat, power, or water, to $1-1.2k for a small room, and up from there with the highest I've seen being $4k for a prime rental room with a nice view in the city. So deduct an aromatic $10-14k from income for housing.
It's got ups and downs like anywhere. One thing you'd like is the property tax is one of the lowest in the US. Of course property costs so much most places that it's still a damn big bill. But there's small town California too. The town my father was born in just put up their first ever traffic light a few years back. It towards the borders things tend to get a little less "California." I'd move, but only if I could keep my salary here. My partner is from back east though and won't do snow, and having dreamed of living her their whole life isn't in a hurry to leave unless it's for a vacation.
My town might have to get a traffic signal soon. I hate our property taxes. NYC is sucking us dry buy all our friends and most of our relatives are here.
My house payment is half her rent. Why? I didn't feel obligated/entitled/required to live in an area that charges that much. Also, majoring in a field that has a need so its graduates get paid decently also helps.
You speak of entitlement yet you yourself come in with an entitled attitude. You assume that everyone is willing and able to restructure their lives and their desires to match yours. It might be hard for a marine biologist or a longshoreman to get paid decently in Kansas, not to mention demand. I suspect states and areas with larger coast lines or more large ports might have more use for these people, so in moving they might have trouble finding a job. I suspect that if you trade stocks for a living, being near the stock market on Wallstreet would be beneficial. I suspect that if you moved the major market, all the traders would follow and you’d need the cleaners and retailers and supporting roles to facilitate that. If even 1/3rd the population of NYC followed your lead and moved to your town, the real estate situation would likely go up. If people telecommute from high paying jobs in high cost areas from low cost ones they create gentrification and price out locals.
Thenpeople make the city more than the city makes the people. Where they go, the same problems follow. So maybe be happy that you have a career and a life and priorities that allow you to happily live somewhere that you don’t fave these problems. Maybe don’t reduce the lives of others to such simple terms and try to undermine their challenges by saying they did it to themselves. Even if you somehow spread all those people out in a way that wouldn’t over burden any one area, you’d still have massive social and economic ripples that you too would feel. Not everyone can uproot their life to move, nor should people have to. As one nation you benefit from the economic halo of these centers for commerce.
He just doesn't like the way the word Nazi is thrown around like it doesn't have the heavy weight it should.
Jesus Christ
It's too late, but you shouldn't have taken out a student loan you couldn't repay in full within 4 years of graduating. And it's not too late to sell your car and buy a beater for a couple hundred bucks and eliminate that car payment.
I hate that smiley.
But, yeah, it's always someone else's fault.