Does earning $65k per year mean you're poor? - Page 28 - Other Topics Forum - Discuss Pop Culture, Arts and Entertainment

yeah I would stay at home for a year after getting that CC debt paid off. Save up some money and move out, assuming the car payment + student loans are manageable debt. If you move out before taking care of the CC debt, it will be like an albatross around your neck for years. Don't mind what Henry said, he's wrong on this.

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05-25-2010 , 03:48 PM

#677

phantom_lord

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Quote:

Originally Posted by Cosines11

lol. dont listen to this.

work hard to pay off your debt and save as much as you can for another 6 mo's/year.

What kind of work are you in? If you've been doing it for a couple years or so and have some solid experience I'm sure you can find a job close to the loop, eliminating the need for a car.

This is a level right?

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05-25-2010 , 04:23 PM

#678

MacGuyV

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According to that cost of living link, Chicago is cheaper than Philly & Boston? Not shocking, but mildly surprising to me.
Also lol @ the next 6 most expensive cities after NY are all in Cali.

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05-25-2010 , 04:29 PM

#679

Henry17

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I think Vancouver would likely compete with NYC these days.

http://www.mls.ca/propertyDetails.as...ertyId=9416882

That is what $960,000 buys you.

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05-25-2010 , 04:40 PM

#680

2OutsNoProb

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Originally Posted by Henry17

25 and living with mommy and daddy --- move out. The cost of living at home this late in life is something you'll never recover from if you don't act fast.

I agree and I wouldn't want to have lived at home at this age, but rest assured (at least that I know of in the NY area) a huge number of people are still in the nest at 25 and beyond. Also, I don't think it will scar him for life in the sense that you're suggesting.

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05-25-2010 , 04:47 PM

#681

Henry17

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Originally Posted by 2OutsNoProb

It is becoming common everywhere even into the late twenties and early thirties especially amount some Western European nationalities -- that doesn't make it less pathetic. In this case it is even more pathetic since he is paying for a semi-decent car while mooching off his parents.

I don't think it will scar him -- I think it will kill off any chance at success. Taking the easy way out just leads to taking the easy way out again and again. If you just throw yourself in and put yourself in sink or swim situation then you actually develop the skills to make something of yourself.

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05-25-2010 , 04:49 PM

#682

snagglepuss

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this is what 850-950k (and it wouldnt surprise me to get any of these properties for 80-100k less) buys you in terrible louisville, kentucky:

http://www.louisvillerealtors.com/ml...operty/1272591

http://www.louisvillerealtors.com/ml...operty/1215402

http://www.louisvillerealtors.com/ml...operty/1268408

different strokes for different folks obv, and i know some people would rather put a bullet in their head than live outside the top 15 north american cities

i am just happy/fortunate that all of my family and many close friends live around louisville instead of a far more expensive area

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05-25-2010 , 04:56 PM

#683

ThaSaltCracka

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lol Canada

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05-25-2010 , 04:57 PM

#684

runLOLArun

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There a few older people who reside in my building, that have adult children ranging in age from 25-33 that still with them! They all have college degree's, some even working full-time, and the excuse for not moving out from all of them is the same, "can't afford it yet, still trying to save money."

I can tell you that none of these people have significant others, and must have a hard time dating. I hope I'm wrong, but I imagine the longer they live with their parents the less socially adjusted they will be in the long run.

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05-25-2010 , 05:03 PM

#685

2OutsNoProb

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Quote:

Originally Posted by Henry17

It is becoming common everywhere even into the late twenties and early thirties especially amount some Western European nationalities -- that doesn't make it less pathetic. In this case it is even more pathetic since he is paying for a semi-decent car while mooching off his parents.

I don't think it will scar him -- I think it will kill off any chance at success. Taking the easy way out just leads to taking the easy way out again and again. If you just throw yourself in and put yourself in sink or swim situation then you actually develop the skills to make something of yourself.

As far as this particular guy? Maybe. In general? Absolutely and utterly incorrect. I can think of tons of people in my peer group who are now happy, successful intelligent people who for whatever reason lived at home until they were 22, 24, 27, whatever. It's extremely difficult in the NY area to find both solid employment and affordable living quarters. Mix in travel costs, student loans, etc, and it's an uphill battle with an obscene incline.

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05-25-2010 , 05:10 PM

#686

IlliniLou

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Originally Posted by Cosines11

im a staff accountant at a small to medium construction company, im due a raise soon but work is slow here so i doubt it'll get it. it'll be my 2nd year on the job in September.

Quote:

Originally Posted by ThaSaltCracka

yeah, i have a social life, plenty of friends, there is stuff to do around here but obviously its not like living in the city. also, its not like im completely mooching everything off my mom. i do all the upkeep around the house and will buy dinner/whatever is needed when they want me to

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05-25-2010 , 05:13 PM

#687

ThaSaltCracka

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I do think you should move out sooner than later, but get the CC paid off and save up some money. I would give yourself a timeline to be out in one year with CC debt gone.

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05-25-2010 , 05:14 PM

#688

stabn

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Originally Posted by sledghammer

From what I've heard, all grocery store fish from the counter is previously frozen, so you can get equivalent quality in the frozen section.

Buy fish at an asian grocer a lot of it will have come to the store live and either be in tanks or freshly cleaned and gutted. Filets, steaks, or whole fish.

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05-25-2010 , 05:15 PM

#689

Peter Harris

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Originally Posted by Henry17

I have several advanced degrees but thanks for trying.

Also I don't see how that is relevant given I was financially successful and supporting myself. If I had geographical access to a university that I respected currently I would return to being a student.

come on over to Edinburgh! The water's fine!

edit: so are the deep fried Mars bars :S

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05-25-2010 , 05:17 PM

#690

IlliniLou

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also Henry, might want to stop with all the generalizations, yeah am i successful and everything right now? nope. Am i done with school? nope. i plan on enrolling to get an MBA this fall and take night classes. just because you succeeded in a sink or swim situation and didnt rely on anybody doesn't mean other people won't be able to succeed if they are helped a little bit.

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05-25-2010 , 05:17 PM

#691

IlliniLou

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Originally Posted by ThaSaltCracka

I do think you should move out sooner than later, but get the CC paid off and save up some money. I would give yourself a timeline to be out in one year with CC debt gone.

yeah, thats my plan now, thanks man

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05-25-2010 , 05:29 PM

#692

SomethingClever

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Quote:

Originally Posted by Thremp

There is no nutritional difference. But to argue that you aren't lowering the quality is absurd. If you freeze a veggie and turn it into soggy mush, is that okay?

Be honest with yourself when you make suggestions. Also, GLHF trying to buy frozen higher quality meats. Suggestions like "Eat a lot of chicken thighs" are also lol as many people consider thighs a rather worthless piece of meat. Like a hangar steak or a flank steak. Sure with skillful preparation anyone can makes these delicious, but acting like using higher quality ingredients wouldn't improve the quality of dining is ****ing ******ed.

The real issue is that people are acting like frozen meat isn't a downgrade in quality when it certainly is. Next up: "A car is a means of transportation: Honda Fit = DBS"

Let's say you take two identical cuts of steak. You cook one today and eat it, and you vacuum-seal and freeze the other and eat it a week later.

Sure, the fresh cut will be marginally better. But assuming that you're starting with a good cut in the first place, the difference isn't really very noticeable. This also assumes that the person cooking the meat knows how to thaw it properly.

I eat high-quality frozen pork, salmon and beef pretty frequently.

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05-25-2010 , 06:29 PM

#693

runLOLArun

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Join Date: Mar 2008 Posts: 460

Quote:

Originally Posted by microbet

OP got someone to lend him a bunch of money at a high interest rate and then to forgive thousands or maybe tens of thousands of dollars and eliminate the interest.

OP, did this agreement mess up your credit or are you off scot free?

"Someone" lol. It was a credit card I maxed out. The interest rate was actually very low at the time, but again I maxed it out. When you stop making monthly payments, they can charge off the account. At that point you can offer to make a greatly reduced lump sum payment, for which "account settled in full for less than full amount owed" will appear on your credit report. It will stay on your credit reports for 6 years, but only during the first two years will it lower your FICO score.

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05-25-2010 , 06:46 PM

#694

Thremp

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Quote:

Originally Posted by SomethingClever

It will be more noticeable the higher quality the meat is.

But cool story bro.

lol @ high quality btw.

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05-25-2010 , 06:52 PM

#695

zugzwang83

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Join Date: Aug 2009 Posts: 3,588

Quote:

Originally Posted by SomethingClever

Let's say you take two identical cuts of steak. You cook one today and eat it, and you vacuum-seal and freeze the other and eat it a week later.

Sure, the fresh cut will be marginally better. But assuming that you're starting with a good cut in the first place, the difference isn't really very noticeable. This also assumes that the person cooking the meat knows how to thaw it properly.

I eat high-quality frozen pork, salmon and beef pretty frequently.

huh??? wouldnt a lower quality cut be less noticeable with regard to the differences? are you sure u know what ur talkin about m8, cuz doesnt seem like you do no offense.

Last edited by zugzwang83; 05-25-2010 at 07:08 PM.

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05-25-2010 , 06:56 PM

#696

ThaSaltCracka

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zugz, do you know what you are talking about? You think you can cook better than someone who is in culinary school ffs. I'd bet decent money you can't.

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05-25-2010 , 06:59 PM

#697

zugzwang83

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Join Date: Aug 2009 Posts: 3,588

my mom was a NY chef for like 9 years and is now editor for some rando food magazine so i grew up learning all about it. i wouldnt bet on myself vs someone in like an iron chef competition with a random ingredient, but id say for certain my top 10 crushes that guys top 10. hes in CULINARY school dude im not sure if you realize how much of a joke those places are.

edit: and now i see that my position agrees with thremp who i am sure has read enough to confirm that the guy doesnt know what he is talking about. so yeah. i stand firm.

edit 2: i mean.. SERIOUSLY!? hes paying money to learn how to scramble eggs rofl.

Last edited by zugzwang83; 05-25-2010 at 07:08 PM. Reason: .

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05-25-2010 , 07:15 PM

#698

ThaSaltCracka

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chances are you are far worse at cooking than you think and you still have no clue what you are talking about, or at the very least you can't understand what SC is trying to say. You apparently missed the whole discussion about how the only real noticeable difference between frozen meat and fresh is texture and maybe taste. Thremp argues that makes it higher quality, which is fine. I don't see how the difference is big enough to warrant "LOL" claims.

I can't tell if you are being purposely dense, but they learn a helluva lot more at culinary school than scrambling eggs. My guess is they learn far far far more than what your mom taught you growing up.