Living paycheck to paycheck - must be hard wired

[Mav88]

If I were 24, no kids, I would not be bitching about health care. Major medical insurance with a high deductable is about $150 a month. Why would a healthy 24 year old need anything else? Health care would not even be a concern, just take care of yourself and you shouldn't have to go to the doctor much. Your out of pocket may be $500 a year.

Some people always see roadblocks, others are determined to overcome.

 

[Sandybestdog]

Quote from ashatet:

I am not totally disagreeing with you. I say that both get hurt, rich and poor. Remember that it is mostly poor that get the aid in printed money.

No, the rich do not get hurt through inflation, they benefit. Yea sure they pay more for gas and food, but who cares, they own the companies that are selling the products at an increased price. They pay a little bit more for the things they buy, but their assets and net worth increase substantiallly because of the increased prices everybody else pays to them. I don’t know what you mean that the poor get the aid in printed money.

 

[Sandybestdog]

Quote from poyayan:

Sure debt is debt. Genius..

Typical ET poster who has to resort to snide comments rather than a legitmate discussion. Actually when you think about it, credit cards are better than student loans. While student loans have lower interest rates and you don’t really have the risk of the government screwing you like the CC company’s do, they are not really negotiable, not bankruptable, there is no statute of limitations, and they must be paid back. Credit cards are a little more flexible in that area.

 

[Sandybestdog]

Quote from Mav88:

If I were 24, no kids, I would not be bitching about health care. Major medical insurance with a high deductable is about $150 a month. Why would a healthy 24 year old need anything else? Health care would not even be a concern, just take care of yourself and you shouldn't have to go to the doctor much. Your out of pocket may be $500 a year.

Some people always see roadblocks, others are determined to overcome.

Actually it’s $272 a month for a standard HMO with $30 co-pays, $150 prescription deductible, no vision and no dental. But you know, whatever makes you feel better.

I love it when people talk about taking care of yourself and then you won’t have to go to the doctor much. I have glaucoma. I’ve had it since I was born and have to go to the doctor a few times a year. A few years ago it got bad enough and the medication wasn’t working, so I had to have 2 surgeries to fix it because I have lost about 90% of my sight in my right eye. Now I don’t need any medication. Last time I checked, diet and exercise ain’t gonna fix that. It’s ok, it’s manageable. A doctor’s visit every few months, but that costs money. Each surgery was about 3 hours in and out, but the insurance paid out about $2500 for each.

Then for about the past 5 years, everytime I go to the doctor, they say my blood pressure is too high. They always gave me this, “well just excerise some and watch your diet and keep an eye on it. It’s not a problem now, but will be in 25 years.” Well I got sick of hearing that so, they started me on a minor BP pill ($10 for a 3 month supply). After a few months though, it’s only lowered it a little bit. I asked the doctor what’s the deal? I’m 25, not fat, my diet isn’t the best but it could be worse, and over the past few months I have been working as a caddie at a golf course so I have been running about 6 miles, 3 or 4 times a week. She said a lot of times it’s just genetic and there’s nothing you can do about it.

But like I said, whatever makes you feel better. You can use your Fox news thinking all day, or you can listen to real people and realize we need to come up with some solutions to fix problems rather than cute little lines like “Some people always see roadblocks, others are determined to overcome.”

 

[Zentrickster]

Are you mentally Ill?

 

[college_trad3r]

Quote from Sandybestdog:

Actually it’s $272 a month for a standard HMO with $30 co-pays, $150 prescription deductible, no vision and no dental. But you know, whatever makes you feel better.

Wow Sandy thats tough.
How much money do you make caddying?

I live in Europe, pay €130 a month for university, €30 a month (€80 but get €50 refund from government) for healthcare which includes dental up to €250 coverage a year and €10 for mobile phone subscription.

Total monthly expenses that can't be avoided are €170.

I am studying for a bachelors degree in science. When I look at education costs in US of $50k/year+ I am very glad it's subsidized here. It only costs €1600 a year which is very feasible. I don't have any loans at all.

Also, none of my friends have credit cards, they all have debit cards. Only a few have a debt which is mostly due to renting high priced student rooms. Yes, I still live at home to save €300+ a month in housing.

It sure seems it sucks to live in the US.

 

[Lawrence Chan]

Quote from college_trad3r:

Wow Sandy thats tough.
How much money do you make caddying?

I live in Europe, pay €130 a month for university, €30 a month (€80 but get €50 refund from government) for healthcare which includes dental up to €250 coverage a year and €10 for mobile phone subscription.

Total monthly expenses that can't be avoided are €170.

I am studying for a bachelors degree in science. When I look at education costs in US of $50k/year+ I am very glad it's subsidized here. It only costs €1600 a year which is very feasible. I don't have any loans at all.

Also, none of my friends have credit cards, they all have debit cards. Only a few have a debt which is mostly due to renting high priced student rooms. Yes, I still live at home to save €300+ a month in housing.

It sure seems it sucks to live in the US.

Some students cannot choose to not renting their rooms because their families live far away ...

 

[IanMacQuaide]

Quote from Lawrence Chan:

Some students cannot choose to not renting their rooms because their families live far away ...

So go to a local school!

 

[ammo]

nutmeg, keep 20% of your kids check for a savings account, they will just be broke 1 extra day per week, tell them when the acct gets to $1000, they can take over. The feeling they get from being broke and not broke at the same time will give them a choice, hopefully they will see the lite

 

[Mav88]

When I look at education costs in US of $50k/year+...

A full year at Ohio state costs about $20K including room and board. You also have summers to work and part time work in between. It's not nearly as bad as people make it out to be.