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Posted 7/5/17
I got some PMs about this but my last post was deleted for sounding like "recruiting"so i'll rephrase it ..

if you want more information on working from home, Amazon is not the only company that is hiring

http://www.womansday.com/life/work-money/g934/best-work-at-home-jobs/
http://www.careerbuilder.com/jobs-work-from-home


if you can speak another language beside English fluently - look into over the phone interpretation
https://www.indeed.com/q-Over-Phone-Interpreter-jobs.html


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Posted 7/5/17 , edited 7/5/17

dulun18 wrote:

are you single ?

there are many scenarios when $20/hr is not enough- a family to provide for ? supporting 2-3 kids ?

back then you just need 1 parent working and you can support the whole family, now ? both parents are working and yet they are still struggling. I would not assume anything unless you know their situation.




back on topic.. working from home

$10 with benefits or $30/hr with no benefits ?

which one will you guys choose ?


Making only a dollar less and about the same hours.

Truthfully, the NE coast is kinda brutal with its high cost of living (NJ here).

I'm doing OK,but have a crapton of side jobs, and stress is damned near killing me.

EDIT: also, I'd probably take more money. benefits in no way shape or form cost $20 more an hour, and, quite frankly, if I could, I'd probably go without anyhow till I'm 45 (about ten more years).

You gotta remember that benefits are "nice" if you use them a lot,but otherwise it's money that you're basically giving to a company "in case" you need it, which, that company isn't likely to give you full coverage of anything, as their business is basically to part you from your money. Sure, you might have an AMAZING plan, but chances are that plan costs through the nose to get, and over time, as I said, if you're not likely to use it much, you're probably better off with the money.

Honestly, I wish we went with either a socialist single payer plan, OR, eliminated the insurance companies altogether and dropped the paperwork and billing/administration portion of the typical medical bill down to nearly zero. More money is tied up between insurance and paperwork than there ever needs to be.

Less than 9% of health care costs are tied to physician wages: https://www.jacksonhealthcare.com/media-room/news/us-physician-compensation-among-lowest-of-western-nations/

Meanwhile, administrative costs are 30% of your bill: (it's up from the 25% this article form 2014 says: http://www.commonwealthfund.org/publications/in-the-literature/2014/sep/hospital-administrative-costs)
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Posted 7/5/17

serifsansserif wrote:



Making only a dollar less and about the same hours.

Truthfully, the NE coast is kinda brutal with its high cost of living (NJ here).

I' doing OK,but have a crapton of side jobs, and stress is damned near killing me.


a dollar less of $20/hr ?

I knew a manager of a local Blockbuster store. I don't know what he is doing now but he was working 3 different jobs back then. It's tiring working multiple jobs.

You saw this documentary movie ?

http://inequalityforall.com/

INEQUALITY FOR ALL - Official Trailer
https://www.youtube.com/watch?v=9REdcxfie3M


Someone could work 3 jobs-- making 60-70K/year and still struggling...
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Posted 7/5/17 , edited 7/5/17

dulun18 wrote:


a dollar less of $20/hr ?

I knew a manager of a local Blockbuster store. I don't know what he is doing now but he was working 3 different jobs back then. It's tiring working multiple jobs.

You saw this documentary movie ?

http://inequalityforall.com/

INEQUALITY FOR ALL - Official Trailer
https://www.youtube.com/watch?v=9REdcxfie3M


Someone could work 3 jobs-- making 60-70K/year and still struggling...



Yeah $19 an hour,45 hours a week... Plus side work that might total an extra $500 a month.

I end up putting some towards saving, much like the above dude does with the hopes of having a financial cushion should I get the wherewithall to move... (or perhaps, if not, maybe one day retire?)

I live in a very very wealthy rural area.

Truthfully though, I have fuck all idea where it might be better. I might be able to trade for a lower cost of living, but then lower wages, and TBH, my opportunities are limited here, but I kinda fear what limitations might be elsewhere...

So, for now, I save... At least till I can sense that things might be on the up and up.

Stress is just because of coworkers, company finances, and a boss that likes to take risks.... And give me grey hairs and make me want to drink.

EDIT: as for the movie.... I have complex feelings about minimum wage, taxation, and cost of living. I think you need to set all three variables in such a way that they are interlinked and inflation resistant while allowing for some economic mobility. It's complex math above me, but nevertheless it should be simplified and made such that taxation provides downward pressure to the very tippy top, minimum wage applies upward pressure from the very bottom rung, and cost of living is a barometric reading as to what the lower to middle ground should be. (lower middle class should be able to easily make the cost of living, the very bottom shouldn't be struggling as much, and no more multibillionaires or their equivalents.. in fact, let's at least cap it at multimillionaires or their equivalents.)
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Posted 7/5/17
i dont need to work
moving is my job already.
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Posted 7/6/17

serifsansserif wrote:

Yeah $19 an hour,45 hours a week... Plus side work that might total an extra $500 a month.

I end up putting some towards saving, much like the above dude does with the hopes of having a financial cushion should I get the wherewithall to move... (or perhaps, if not, maybe one day retire?)

I live in a very very wealthy rural area.


Truthfully though, I have fuck all idea where it might be better. I might be able to trade for a lower cost of living, but then lower wages, and TBH, my opportunities are limited here, but I kinda fear what limitations might be elsewhere...

So, for now, I save... At least till I can sense that things might be on the up and up.

Stress is just because of coworkers, company finances, and a boss that likes to take risks.... And give me grey hairs and make me want to drink.

EDIT: as for the movie.... I have complex feelings about minimum wage, taxation, and cost of living. I think you need to set all three variables in such a way that they are interlinked and inflation resistant while allowing for some economic mobility. It's complex math above me, but nevertheless it should be simplified and made such that taxation provides downward pressure to the very tippy top, minimum wage applies upward pressure from the very bottom rung, and cost of living is a barometric reading as to what the lower to middle ground should be. (lower middle class should be able to easily make the cost of living, the very bottom shouldn't be struggling as much, and no more multibillionaires or their equivalents.. in fact, let's at least cap it at multimillionaires or their equivalents.)


wealthy rural area ?

There are those who will drive 40- 60 minutes (each way) to work to keep down cost. I know people who are living outside of the the city limit where they can get a house that is similar to mine but for 1/2 the half the price! Everything is cheaper when you are in the middle of nowhere.

Tax is necessary evil. You can sell thing on craiglist or other local sites without having to pay tax for some extra incomes or you can barter with another person. There are those who will do that around here. DIY will also help you save money as well
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Posted 7/6/17 , edited 7/6/17

dulun18 wrote:


wealthy rural area ?

There are those who will drive 40- 60 minutes (each way) to work to keep down cost. I know people who are living outside of the the city limit where they can get a house that is similar to mine but for 1/2 the half the price! Everything is cheaper when you are in the middle of nowhere.

Tax is necessary evil. You can sell thing on craiglist or other local sites without having to pay tax for some extra incomes or you can barter with another person. There are those who will do that around here. DIY will also help you save money as well


Smack dab between Philly and NYC, in one of the top 5 wealthiest counties in the US....

https://en.wikipedia.org/wiki/List_of_highest-income_counties_in_the_United_States

consistently in either the top 10 or the top 5 for at least 2 decades

So... yeah.
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Posted 7/6/17 , edited 7/6/17

serifsansserif wrote:

Smack dab between Philly and NYC, in one of the top 5 wealthiest counties in the US....

https://en.wikipedia.org/wiki/List_of_highest-income_counties_in_the_United_States

consistently in either the top 10 or the top 5 for at least 2 decades

So... yeah.


Moving is not an option for you ?


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Posted 7/6/17

dulun18 wrote:


serifsansserif wrote:

Smack dab between Philly and NYC, in one of the top 5 wealthiest counties in the US....

https://en.wikipedia.org/wiki/List_of_highest-income_counties_in_the_United_States

consistently in either the top 10 or the top 5 for at least 2 decades

So... yeah.


Moving is not an option for you ?




I kinda explained that in my first comment that you quoted.

Lower cost of living in an area will probably mean lower wages, and although long term it may work, it's best to save little by little right now until better options open.
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Posted 7/6/17

serifsansserif wrote:

I kinda explained that in my first comment that you quoted.

Lower cost of living in an area will probably mean lower wages, and although long term it may work, it's best to save little by little right now until better options open.


I stated this in my previous comment. There are people who will drive 40-60 minutes each way to work. This is what i mean by "moving". You income will remain the same but the costs of living will go down while your travel time will go up + cost of car maintenance, etc.

I guess it will come down to whenever you are willing to travel that far each day or not. You will need a new/reliable car that is for sure since this is how a person can put 20,000+ miles a year on the car odometer. It's a trade off that i know a few people took.
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Posted 7/6/17 , edited 7/6/17

dulun18 wrote:


serifsansserif wrote:

I kinda explained that in my first comment that you quoted.

Lower cost of living in an area will probably mean lower wages, and although long term it may work, it's best to save little by little right now until better options open.


I stated this in my previous comment. There are people who will drive 40-60 minutes each way to work. This is what i mean by "moving". You income will remain the same but the costs of living will go down while your travel time will go up + cost of car maintenance, etc.

I guess it will come down to whenever you are willing to travel that far each day or not. You will need a new/reliable car that is for sure since this is how a person can put 20,000+ miles a year on the car odometer. It's a trade off that i know a few people took.


Your time is worth more than the money you'll be compensated for it. Always. Your expenses will go up for that travel, your free time drops significantly (an hour extra travel each way means an 8- 9 hour day (typically including a half an hour to an hour for lunch) turns into a 10-11 hour day. If you have 16 waking hours of the day, that takes you from half your waking hours being your own to basically just enough time to get home, eat and go to sleep). You're better with a second job.

And telling someone to travel just cause YOU'RE willing to be that sort of foolish, well...
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Posted 7/6/17

serifsansserif wrote:

Your time is worth more than the money you'll be compensated for it. Always. Your expenses will go up for that travel, your free time drops significantly (an hour extra travel each way means an 8- 9 hour day (typically including a half an hour to an hour for lunch) turns into a 10-11 hour day. If you have 16 waking hours of the day, that takes you from half your waking hours being your own to basically just enough time to get home, eat and go to sleep). You're better with a second job.

And telling someone to travel just cause YOU'RE willing to be that sort of foolish, well...


wow.. interesting how a conversation can tun south pretty quickly. I think i should back off before things good worst...
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Posted 7/6/17

dulun18 wrote:


serifsansserif wrote:

Your time is worth more than the money you'll be compensated for it. Always. Your expenses will go up for that travel, your free time drops significantly (an hour extra travel each way means an 8- 9 hour day (typically including a half an hour to an hour for lunch) turns into a 10-11 hour day. If you have 16 waking hours of the day, that takes you from half your waking hours being your own to basically just enough time to get home, eat and go to sleep). You're better with a second job.

And telling someone to travel just cause YOU'RE willing to be that sort of foolish, well...


wow.. interesting how a conversation can tun south pretty quickly. I think i should back off before things good worst...


I used to commute for work out of necessity. And every time I had, the time spent didn't turn into huge gains. Typically I'd end up with less time and less money. Plus, if things stay on target, I may be able to say i can save $10K in the course of this year. It's painful having to live tight like that and take on extra work, but next year, I may (well, PROBABLY) will not have the extra jobs, and will probably save far less, and perhaps over the course of 3-5 years I'll build enough of a cushion that I CAN just GTFO and go somewhere else, or start a business, or basically have a decent amount of economic freedom, AND, hopefully, have weathered the current economic climate.

You think you can offer a better plan in a relatively crappy economy?
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Posted 7/6/17

serifsansserif wrote:


dulun18 wrote:


serifsansserif wrote:

Your time is worth more than the money you'll be compensated for it. Always. Your expenses will go up for that travel, your free time drops significantly (an hour extra travel each way means an 8- 9 hour day (typically including a half an hour to an hour for lunch) turns into a 10-11 hour day. If you have 16 waking hours of the day, that takes you from half your waking hours being your own to basically just enough time to get home, eat and go to sleep). You're better with a second job.

And telling someone to travel just cause YOU'RE willing to be that sort of foolish, well...


wow.. interesting how a conversation can tun south pretty quickly. I think i should back off before things good worst...


I used to commute for work out of necessity. And every time I had, the time spent didn't turn into huge gains. Typically I'd end up with less time and less money. Plus, if things stay on target, I may be able to say i can save $10K in the course of this year. It's painful having to live tight like that and take on extra work, but next year, I may (well, PROBABLY) will not have the extra jobs, and will probably save far less, and perhaps over the course of 3-5 years I'll build enough of a cushion that I CAN just GTFO and go somewhere else, or start a business, or basically have a decent amount of economic freedom, AND, hopefully, have weathered the current economic climate.

You think you can offer a better plan in a relatively crappy economy?


I work from home for the last 4 years so I'm not the type who will be willing to travel. I brought it up because i know some people who were willing to do that as one of their options.

I don't want to be "telling" you what to do... so thanks for the offer but i know when it's time to back off. You have the floor.
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Posted 7/7/17
So many reactives >>
So, my job works for me. I've made my life sustainable.
Get yer underwear out of a wad and stop being rude about my job.
If you want or need the job you'll take it and commute.
Don't act like you wouldn't.
Also, be willing to do the job you agree to. That includes getting there.
Can't complain about something you fully agreed to >>;
Wear and tear on your car is tax deductible for work purposes.
New vehicles are generally a poor financial move.
A slightly used car, even one year older, has already had that baseline depreciation in value.
Original owner took that hit when they signed the papers for it.
If you're not willing to drive two hours, which is better than walking two hours like I had to, don't apply to a job outside your bloody range.
Use common sense and don't forget to extricate your underwear.

As far as the cost we get from hospitals vs what the insurance companies get is insane.
The disparity is huge.
Some of the most profitable businesses are non profit hospitals.
Nobody should pay out the nose for, not even kidding, tylenol.
My itemized bill and what it cost my insurance... the difference was astounding.
35k vs 1.5k just for one of the tems<my total wouldve be about 65k>
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