Existing on a LOWER CLASS Income

WendyTerry420

The idiocy of small businesses NOT offering benefits options for full-time employees:

If you have to call out sick, you lose a day's wage. Not only do you have to cross your fingers that you will still have a job when you are healthy again (right-to-work states for the lose) and not only do you NOT get to stay home and recuperate, but, since you have no insurance, you have to spend two to three times a day's wage to pay a doctor to write a note you can bring your employer stating what you already knew: that you are ill and need to stay home and rest.

All so you can keep your job and struggle to stay afloat on your nationally-recognized poverty-level income schedule. There is something very wrong with this process.

I would be willing to work EXTRA DAYS on my healthy days to EARN sick pay, vacation pay and health benefits. But it's not even an OPTION.

I can't wait til I can figure out how to afford school, finally get a degree and leave this retail bull**** behind.

I feel like a prostitute.

You can thank the government and the benevolence of central planners for all that.

All Hail Central Planning! In the Federal Reserve we Trust!

odusgolp

BAN HISTORY DEGREES!!!

Who needs history? Clearly most of our current politicians don't get it and things seem JUST fine to me. So yeah... BAN HISTORY DEGREES!!!

CorvusCorax77

wow. i think i'm not like any of y'all. Small business owners are in a tight spot, too.

And folks who think the only point in education is making yourself marketable...wowser. I find intelligence to be of value outside the market.

And this is for the folks who poo-poo study of music and art:
http://www.psychologytoday.com/blog/imagine/201003/einstein-creative-thinking-music-and-the-intuitive-art-scientific-imagination

corn63

BAN HISTORY DEGREES!!!

Who needs history? Clearly most of our current politicians don't get it and things seem JUST fine to me. So yeah... BAN HISTORY DEGREES!!!

You're not worth my second strike.

odusgolp

BAN HISTORY DEGREES!!!

Who needs history? Clearly most of our current politicians don't get it and things seem JUST fine to me. So yeah... BAN HISTORY DEGREES!!!

You're not worth my second strike.

Come on, Corn! I'm trying here!!!! *lick lick*

CorvusCorax77

BAN HISTORY DEGREES!!!

Who needs history? Clearly most of our current politicians don't get it and things seem JUST fine to me. So yeah... BAN HISTORY DEGREES!!!

You're not worth my second strike.

"Those who don't know history are...."

Oh geez. On the regular I catch my life being enriched by quoting the likes of philosophers and spirtuallists and artists and poets...who have little to no value in the market.

pawnstarNate

The idiocy of small businesses NOT offering benefits options for full-time employees:

If you have to call out sick, you lose a day's wage. Not only do you have to cross your fingers that you will still have a job when you are healthy again (right-to-work states for the lose) and not only do you NOT get to stay home and recuperate, but, since you have no insurance, you have to spend two to three times a day's wage to pay a doctor to write a note you can bring your employer stating what you already knew: that you are ill and need to stay home and rest.

All so you can keep your job and struggle to stay afloat on your nationally-recognized poverty-level income schedule. There is something very wrong with this process.

I would be willing to work EXTRA DAYS on my healthy days to EARN sick pay, vacation pay and health benefits. But it's not even an OPTION.

I can't wait til I can figure out how to afford school, finally get a degree and leave this retail bull**** behind.

I feel like a prostitute.

I read all that but, all I remember is the last line :smokin:

corn63

BAN HISTORY DEGREES!!!

Who needs history? Clearly most of our current politicians don't get it and things seem JUST fine to me. So yeah... BAN HISTORY DEGREES!!!

You're not worth my second strike.

Come on, Corn! I'm trying here!!!! *lick lick*

You know that's not the spot.

lat2935

Have you thought about some kinda trade. Something that won't take you four years but will add to your resume and open doors for better jobs that offer tuition reimbursement . This is what I had to do.

JesGilb

Become a nurse. Huge shortage. Good pay too.

doorki

A degree in history? Who do you think is going to hire you?? A friend of mine has a Degree in history of war. He's written a book on the civil war, working on his 2nd and is now a substitute teacher barely scraping by. A degree in French? Music? Where do you think that will lead you? Not far! Everyone needs a back up plan if they're getting a leisurely degree.

Excuse me? Quite presumptuous of you. "Who is going to hire you??" I have a degree in history. You know who hired me? One of the fastest growing SEC software companies in the country. So suck it, lady.

I have a degree in Philosophy and Religion and I am not an derivatives trader. My view, Philosophy teaches you HOW to think about a problem for angles and can be transported to any industry. Religion helps you to understand people (it was also an interest of mine).

AuntieMC

bump

Justkeepswimmin

My husband works for a small business (7 employees). There is no way his employer could ever afford to provide health insurance and the employees probably couldn't afford to kick in their share even if it was offered.

When I get sick I pay $60 to my local urgent care. No biggie.

^^ This...my husband had a small business with 3 employees before he met me which he closed. When he was laid off (after we were together) we oppened it for literally 2-3 months for some contracts we had found, but switched to a large corporate job the second we could because it just wans't worth the

A) Health insurance costs (I wasn't working so private was impossibly rediculously hard even as an employer)
TAXES

These two things helped us decide not to permanently reopen the business.

wow29

bump

oregonzoo

I would just say on a lower income. I don't like the word "class" in references to finances.

k8blujay2

So either it can be done or these people are lying out their arses:

http://thepeacefulmom.com/living-on-less-than-28000-a-year-series/

Of course it can be done! I have lived on less than that my whole life. I have a family or four. it still sucks. (especially when the Dept of Ed takes my annual income subsidy (EITC/CTC) when they are the reason that my salary is still a pittance)

I'm not saying it doesn't or it won't suck... but such is life... I don't have the brains (or the education) to be an engineer... thus I shouldn't be paid like one for data entry or other simple IT related things... nor should those pressing buttons with pictures of food items (that can't even count change backwards) make as much as I do with a degree in a position that requires an education... in the end, you make things work and you learn to survive. BTW, yes, I know what it's like to not have a lot of money.... that was my life growing up.

MrsPong

I understand this 100%. All i wanted to do was go to college, and I had to take out loans to do so. My mom made to much money for me to qualify for a grant, yet she didn't have enough to pay 17,000 a year for college. She paid about half my first year, and the second year I was an RA (free room and board).


I ended up getting pregnant and not even finishing that fancy University. I transfered to a CC and got my AA degree. For 2.5 years I have $20,000 in loan debt.

Luckly I married my husband who is in the Marines, we didnt make enough so I got Pell grant to cover my school costs, and the military gives you like $7,000 just to go back to school and get a degree if ur spouse is at a certain rank.

So I took online school and finished with my BA in 5years with the militarys help. (never would of been able to do so without it)
I got a job in our new home with 5 employees in the office, its home health care so we have alot of caregivers but its still a small business. We do not give insurance to our caregivers, simply because we would b out of business.
I'm on salary and thank goodness because I miss alot of days due to my daughter.
If I was on my own with my daughter I would never b able to make ends meet with my $300 loan bill each month.

If I could do it over, I would of gone to a CC and spend 1/3 of that $20,000 and got my AA and then transfer.

k8blujay2

Student loans should be illegal.

Disagree. The companies that RUN and loan student loans and manage your loans should be disassembled and the people managing those companies should be put in jail. But the loans themselves are not bad. I have a fixed loan at 4.8% and learned my lesson on private loans. Definitely NEVER get a private loan for school. 12$% on that bad boy. It's on the fast track to repayment, that's for sure.

My main student loan was through the Department of Education. Then it got bought out by Mohela. I was not notified via mail, email, phone call, carrier pigeon that this was done. I didn't catch it until two months later when I realized my loans weren't being taken out of my bank account. Had to buy arrears and everything. What a f'n fiasco that was.

College is available to those that want to go. And no, a degree doesn't guarantee you a job, but it helps a great deal. And opens up your employment opportunities beyond those that just require a diploma. Even an AA or AS is better than nothing.

Oh I totally agree here... It's ridiculous... If I had known then what I know now (I was the first in my family to go to school) I would have looked much harder and longer for student loans... as my parents were so bad off credit wise that they couldn't co-sign a loan for me... they tried and we were denied. I had to have all signiture loans and they are kicking us in the *kitten*. My husband has been working to get them all refinanced to a lower fixed rate... other than the 12% that they were/are.

karenjoy

just wow, I am glad I like in the UK and don't have to worry about health care etc

and its good to see so many caring sharing people on this thread

magj0y

A degree in history? Who do you think is going to hire you?? A friend of mine has a Degree in history of war. He's written a book on the civil war, working on his 2nd and is now a substitute teacher barely scraping by. A degree in French? Music? Where do you think that will lead you? Not far! Everyone needs a back up plan if they're getting a leisurely degree.

Excuse me? Quite presumptuous of you. "Who is going to hire you??" I have a degree in history. You know who hired me? One of the fastest growing SEC software companies in the country. So suck it, lady.

I have a degree in Philosophy and Religion and I am not an derivatives trader. My view, Philosophy teaches you HOW to think about a problem for angles and can be transported to any industry. Religion helps you to understand people (it was also an interest of mine).

If your knowledge does not surpass history, you won't have many bites. So before you tell me to "suck it", how many jobs do you think are out there for people with the sole degree in history? Not many. I seriously doubt they would have hired you if you have no knowledge of how software works.

You lucked out, plain and simple. I guarantee you weren't the only person who applied for that job. And when they're done with you, what do you think you'll do next?