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6dle899 6dle899 is offline
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6dle899 Losing faith in humanity. One person at a time.

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Can_I_just_be_Jo wrote :
The system breaks down when you don't actually have enough money to begin with to have a child. Just thought I would throw that out there.
Oh man. You sure hit on a major truth there.


In the Latin quarter of San Francisco, where I would go to shop at times (till a few years ago when I moved out),


I would see, a LOT, some 22-23 yo woman pregnant out to "here", pushing a baby carriage, down the sidewalk, with three small children following behind, like ducks.


WHAT was the dialog here:

"Well, we can't afford a baby, so hey, let's have TEN of them!!!"




UFB. < shakes head >

Population explosion scored a direct hit on yet another shabby SF apartment...
- November 7th, 2009, 12:19 am
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6dle899 6dle899 is offline
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D_Lion wrote :
Can I sell it to you on credit?

No, because I don't like the idea that if I should default on "payments", couple of Guido boyz will come over and give me a quick, impersonal lecture about the difficulties of trying to make a living with TWO broken arms.

And the high cost of dental care.


Nien, danke.
- November 7th, 2009, 12:23 am
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LizziePooh LizziePooh is offline
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littlebluemonkeymind wrote :
The jig is up, Frogboy.
I missed the dancing frog? Man, I always miss the good stuff.
- November 7th, 2009, 12:36 am
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Can_I_just_be_Jo Can_I_just_be_Jo is offline
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Can_I_just_be_Jo Blissfully happy!

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LizziePooh wrote :
I missed the dancing frog? Man, I always miss the good stuff.
Yeah I think he fell asleep with his socks.
- November 7th, 2009, 12:38 am
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LizziePooh LizziePooh is offline
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Can_I_just_be_Jo wrote :
Yeah I think he fell asleep with his socks.
Ohhhh, my mind went dirty with that remark. lol!!
- November 7th, 2009, 12:42 am
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Can_I_just_be_Jo Can_I_just_be_Jo is offline
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LizziePooh wrote :
Ohhhh, my mind went dirty with that remark. lol!!
I think a few did, just not sure if it was in this thread.
- November 7th, 2009, 12:43 am
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meri75 wrote :
I'm a little confused. Are you saying your home is worth $150K? Or that you need a salary of $150K for your home and BAU living expenses? (You might have to really dumb this one down, I don't have a brain for numbers at all.)

Also - I have read your comments, how do you correlate between yourself and your Dad's life? I mean, you've written before you don't have children; is it a reasonable guess on my part your Dad was a father at your age? And therefore skews the correlation somewhat?
Hi Meri,

I think he just means that one assumes that the next generation does better than the previous generation so to determine if he has succeeded you would need to determine what would be the amount in today's dollar.

But don't quote me on that - nearDC, Cardguy and DL lost me a long time ago. What is CPI anyways?
- November 7th, 2009, 01:27 am
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Can_I_just_be_Jo Can_I_just_be_Jo is offline
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LizziePooh wrote :
Hi Meri,

I think he just means that one assumes that the next generation does better than the previous generation so to determine if he has succeeded you would need to determine what would be the amount in today's dollar.

But don't quote me on that - nearDC, Cardguy and DL lost me a long time ago. What is CPI anyways?
Consumer price index, duh. Just kidding. The hardest part of econ was learning all those acronyms.
- November 7th, 2009, 11:42 am
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meri75 wrote :
Are you saying your home is worth $150K? Or that you need a salary of $150K for your home and BAU living expenses? (You might have to really dumb this one down, I don't have a brain for numbers at all.)

Also - I have read your comments, how do you correlate between yourself and your Dad's life? I mean, you've written before you don't have children; is it a reasonable guess on my part your Dad was a father at your age? And therefore skews the correlation somewhat?

I need approximately $150 k salary to afford the home I own, based on customary mortgage approval criteria; it is (I suppose still) possible to get other forms of loans and buy similar homes on less than that. This was the least expensive house readily available (without an unacceptable wait) when I moved here, which was constrained by my job – if I didn’t move I’d be out of work. I consider any form of mandated payments to an ex-partner which would drive me below that to be a moral abomination, as it would – in theory, based on factors like loan underwriting criteria – drive me into homelessness, which I do not consider acceptable. However, that is still not the neighborhood I ought to be in, based on my employment qualifications.

LizziePooh has it correct: I consider it a minimal expectation that people with comparable ability maintain their standard of living over generations – and they should be gaining standard of living over time, due to productivity gains.

The data comparing my father’s income and housing cost is to illustrate just how badly off-track the US is (especially for men) in terms of falling real standards of living. All things being equal, as an equally-educated, equally-skilled person, I should have the same standard of living. This means I should receive a wage which provides the same articles of consumption. I do not, and by close to a factor of ten. Whether or not I have children is not relevant to that fact; children are substitute consumption (one form instead of another), but not a change in total consumption. The benchmark element I use is housing, as it is the largest (after taxes) cost, and most essential.

In any case, similar rates of inflation occurred in university tuition and health care (though the latter is more change in quantity consumed than change in the price level.)
- November 7th, 2009, 11:56 am
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LizziePooh LizziePooh is offline
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Can_I_just_be_Jo wrote :
Consumer price index, duh. Just kidding. The hardest part of econ was learning all those acronyms.
Ha! Ha! I woke up this morning and the first phrase that came into my head was Cost Price Inflation. Glad I did not post that!! lol!
- November 7th, 2009, 12:28 pm
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