Amen! We are just at a six-figure income..
Posted By: phillychick on 2008-05-13
In Reply to: I agree. They also don't state how much their mortgage - is or what kind of car they drive
but you would never know it by our lifestyle. We don't need to impress anyone or put ourselves in debt for material things that depreciate the minute you walk out of store with it or drive it off the lot. Americans need to SAVE money, a concept that has been long lost through the generations.
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that's nonsense! I make a six-figure income all my myself being an MT. Hubby has no need to wor
xx
As long as you have an income
As long as you have an income you file. Over 70 is for social security where you can earn as much as you want and still collect your full SS. Boy is that was true all of the rich would be lying about their ages so that they did not have to pay taxes.
Too much house for you on your income...
especially with a new baby and all that requires...take into consideration if you have car payments, credit card payments, student loans, plus utilities, etc. Talk to a mortgage lender, what is your mortgage rate going to be, how much can you put down on the house, see what the lender says. Don't get in over your head...some people want it all right away, instant gratification. Take your time. Good luck
probably since any income is taxable
income for the year it is received. That is why you get a statement of earnings for it.
It is possible to increase your income
Pay off the house! Congratulations!:-)
Is it possible to increase you income temporarily to put towards the cc debt? Can your dh work side jobs or a second job?
After you pay off the house, I would start pay off the cc from the smallest balance first.
200
2K
4K
10K
I would not withdraw from retirement but stop paying it right now. After you pay off the house, put all your money into paying off the cc debt.
For the 4K and 10K I would write them a letter and try to get a lower APR.
If your income has been cut in half (sm)
I have to ask - what are you spending the money on? Rent is the first thing you should pay, then food, and then transportation. If you are worried about paying credit cards first, or some other debt, you are cutting your own throat.
I would advise you to do some looking at Dave Ramsey. He has several excellent books, available usually from the local library.
Also, as for the husband, sit down with him and talk to him - I don't know if you have done this or not, but his playing the video games may be a way for him to escape. If he has always been responsible in the past, then his irresponsibility now is probably a defense mechanism.
You both need to step back and take the emotion out of it. If you are not able to do that, the situation is not going to improve. You both have to show commitment to making the relationship work, even on so little money.
If you have a pastor or some sort of mentor/advisor, that might be a good place to start, once you have talked to your husband. A neutral party who can look at the situation from all sides can help.
Good luck, from someone in similar shoes.
HC
if we get to their 75,000 annual income qualification
then they can qualify us for that. 
How do you manage at income tax time?
Do you file separate returns?
Would you also want your income taxed at the 40% rate?
At one time England did that. The friends we had in Cananda said they were taxed to death on their income, but they were pretty pleased with their healthcare. There is no easy solution.
That puts me in the low income bracket. . . SM
Wonder why I don't quality for any help if that is the case. I have no medical insurance and was just at the ER and it cost me $1800 (so far as lab work not returned yet) to wait for 5 1/2 hours altogether and get a port and three meds administered with a CT scan of head. They charged me $396.00 for the attending on duty to talk to me 15 seconds after the resident saw me. A nurse told me in the ER that they would trim some of the cost for me, but when I called the hospital they said I did not quality. A working person falls between the cracks. Makes me angry they could not help me at all.
If he's elderly and low income, he needs to check sm
with senior services to see if he qualifies for some type of medical assistance aid.
PS! One more - check to see if you qualify for low-income
It depends on your income range sm
I just got my taxes back and I had IC and employee income on there totally $38K. I worried. End result? $298 more to pay in, a VERY far cry from the $8K I paid in each of the last 2 years as an IC. (I have no expenses to speak of, no mortgage or rent, which really hurts as an IC.)
While on the phone with the tax accountant, I asked if withholding had changed. He said yes for most segments of the so-called middle class. He said that while I lived well and had the biggest ever year as an MT, my income is considered the low end of the middle class, so I get a break. I have noticed about a $100 INCREASE in my paychecks from lower withholding.
This is going to depend on your income range to some extent and also how you have your W-4 set. Mine is single with no exemptions, the highest amount you can have withheld automatically (unless you ask for an additional amount).
The projected tax burden for lower income Americans has decreased and so some of us will see a difference. I have, but it was to my benefit.
You show proof of past income if you need to (sm)
and that should be enough - especially if you have excellent credit. I actually had a mortgage person tell me that self-employed people are basically stuck and can never make more money - needless to say I moved on to another company.
Stated Income Home Loan
I am a self-employed IC and have purchased 4 homes in 4 different states as a single person. I was able to obtain a Stated Income Mortgage based on my credit, rather than my W2. No tax info was used, needed or requested. I guess, if your income is needed along with your husband's to qualify for a loan, then you would need the W2 info. But as a single person you can obtain a home loan based on your credit and not your tax info. Also, if you don't have enough for a down payment, you can take out a "second" against the house you are purchasing to finance your downpayment. You will have a short-term payment for the downpayment and your 30 yr note on the home. I was also able to obtain very low interest rates based on my credit rating.
Good luck, I did have to provide extra documents when I purchased one home with my exhusband.
I also have to consider my income - not just whether I enjoy the job; that is my main concern. nm
x
Ideas to earn extra income
In addition to your regular career what do you or your family do to bring in a little extra cash? I started a garden this year and it is doing so well that I think I may try for the local farmer's market next year. Not looking to make a fortune but it would be great if it could pay for extra things like a day at the zoo or pizza and a movie.
eBay is great for extra income...
and also to get things on the cheap. I haven't done it in months so can't really you a monthly amount, but looking forward to getting back into. Good luck to you.
Sorry - for your sake I hope the reason was too much annual income. (nm)
Agreed to let hubby have all the refund on the income tax and drat!
See, it is like this. I told hubby to take his check book today because it costs quite a bit to get our taxes filed at H&R and I basically did not care about paying for it this time (between paydays really). I said if you will pay the charges to file, then they will have your check and anything we get back you can have and if we have to pay a really big amount, I will go and take that out of a bigger account in my name and I will pay, so it will be win, win situation for you. Drat! Can I take that back now? He has paid most all the income tax this year, as an independent I did not pay my fair share but yet, now he is getting close to 5,000. Can I renegiogate? Anyone else do this sort of crazy thing and then wish they could take it back? Darn, drat, dagnab it!!!!
Southern here, cracklins sold in lower income stores usually
I have been at roadside stands and never smelled them cooking nor saw them but mostly you see in stores like food depot. I know of no one who uses them. I am sure that various parts of the country have other foods that could turn a person's stomach. I remember a supposed pepperoni pizza I had 1 time in Buffalo and the tomatoes on it were whole like uncooked. Yuck for that. Everyone has a yuck I am sure.
Good advice. In this economy, lay low. Sounds like a PT job may be in order to increase income. (
dd
Make a list of budget/spending priorities for your self employment income
Dave Ramsey's book has a irregular income planning sheet. Basically you list your expenses with the cash flow sheet. With any steady income you allocate it. For irregular income, make a list from the cash flow sheet of what needs to be paid first. Keep a culmulative total.
what I cannot figure out
I cannot figure out why the judge will not do the DNA swab on the baby and get that part of it over with. Why make Burkhardt suffer, not knowing for sure?
How do you figure?
The Bible states a mark but that can be interpreted many ways. This was written in a time when all the technology we have now wasn't know.
But just as food for thought, the implantable tracking chip is already here and approved by the FDA- so far it is voluntary but they are talking about using it to track immigrants and guest workers. How far down the line will this become mandatory for all of us, much like this new national ID?
If this doesn't concern you you are not paying attention.
No, cannot figure it out
going to work to have money means then you start learning?? I think there are grades that start even before high school showing children how to manage money. It sounds really like she has been very sheltered and continues to be with you asking about how to set up a budget for her. Is not age 18 considered adulthood?? Take a step back and let her do it on her own.
:LOL, I am not the OP, trying to figure it out as well.
//
I'm still trying to figure out what
Hoffen Koos was supposed to be.
It really is awful how dumbed down our nation is getting. I don't know if it is just me but in the past when I have gone on internet dating sites and they send me profiles that are full of misspelled words and poor grammar it turns me right off and I am not even interested in finding out more about them. I hope that doesn't make me a snob!
How do you figure?
What does the N in LPN and RN stand for then? Nurse. At the hospital and clinic in my city, the only people allowed to take patient vitals are LPNs or RNs. No CNAs or unlicensed people allowed. Secretaries and scheduling clerks certainly don't do it.
Don't try to figure this out
Years ago, probably around the 1990s, when I found my backbone, too long story for now, I decided to go straight to the top when inept people were rude, gave poor service and how I hate stupid, but try to overlook that if possible. If anyone fits into the categories above, I immediately ask for their supv or if in a store for example ask to see the supv. I did this just last week in Wal-Mart when going thru the 10 only item line 2 different people in front of me with at least 25 items each, went thru and nothing said, well not until it was my time to check out and then asking the cashier why she let them go thru, she seemed to ignore me, no good. I asked her again and then when did not get the answer sufficient for me, went to the supv. I did live in a huge city and the service there horrible, especially gov. I now live in much smaller town and that sure is an improvement there.
Two weeks ago had run-in with cable person. Guy showed up, worked here in my home, left and experienced same problem. I called back and the guy answering the phone argued with me that I HAD canceled the appt for that morning!!! I was blowing smoke out my ears and had to ask for supv once again. It is like fighting city hall sometimes just for decent service. The OP apparently just noticing the doctor's places being like this. This I personally have dealt with since probably the 80s and don't know why. I know with dr's office.
I totally agree with Pulling about getting names and time you called regarding appt. I do that all the time because my DH and I both have had that happen in times past. I am a real stickler for time anyway as I do my line count on an hourly basis so have clock right at my desk and use it for verification.
You need to figure out something first
You need to know how long the dictation itself is in minutes. If you record an mp3 of your own voice speaking at a normal dictation rate of speed, you could go back and see how many MB your own dictation took up when you dictated for 5 minutes, 10 minutes, 15 minutes, etc.
You also need to factor in the kind of formatting the customer is asking for (straight reports, letters, etc).
Does the customer know how long the dictation is in minutes?
When you figure it out, please let me know...
we have the same problem. The neighbors car radio and home radio shakes my house and we are on acreage, so their house is a good 200 yards away. We can feel their car coming before we see it. We complained to their landlord on Saturday and they turned it down for a while, but it is gradually getting louder again. They do this at 2:00 in the morning. My husband has to get up at 4:00 a.m. for work and I get up around that time, too. I have called the cops and they have received a ticket, and apparently three others prior to our moving in, but it does not stop them. I am irritated because my landlord specifically told me that "those people don't live next door. That house is vacant and being foreclosed upon," before we moved in when I said that I did not want to live next to people who are that loud. Sorry, now I am venting, but I really dislike my scumbag neighbors!
Make your own income, hire a plumber. Total unnecessary. Men are useless in the family plan.
x
If I can only figure out what she is meaning, then
it is alright. One time she said had made a cake from strap?? I wondered and thought, hmmmmmm and then she was telling me how you mix all the flour, pinch of salt and so forth and then I knew she meant from scratch, not a strap! She is a trip though, has been around now for about 14 years, does any and everything I want, including the grass if need be!
Yes, I married one, and he's from NY. Go figure! LOL
x
Still trying to figure out what woodpeckers
you have - one is probably the red-bellied because it has red head but because there was already a red-headed they named it because of a little blush of pink on its belly - it is big - looks more like a flicker. Do you have a pileated - with a red crest on top? I have red-belly, downy, and yellow-belly which I have to chase away because it makes holes in my Crimson King Maple.
hospital ~ go figure!
I have it in my Expander to autocorrect.
How hard is it to figure out whether
the doc is saying the first or last name. Some people will complain about anything.
well I figure if I don't teach them sm
they won't get it when they have to get out in the real world. If they are not going to school and want to live with you why should you pay all their bills?
BTW, what I did was put half of what they gave me away and when they left home I had a nice little nest egg to give back to them to get them started. But they didn't know I was doing that until the time came for them to move out.
In this economy it is very expensive to pay for everyones groceries, laundry soap, etc. I think its a disservice not to require something. Maybe not half or even a quarter, but something! I don't want anyone to wind up like my niece at 45 with no responsibility at all and living off her widowed mother and her fixed income while making 30 bucks an hour herself plus overtime and spending it as fast as she can. Oh yes this is also in the state with the worst economy in the nation..Michigan! But then I guess she thinks she is entitled.
Figure it has to be drugs of some sort.....
o
Give me a ballpark figure on
your pay per week as to whether it is better in the long run.
How do you figure leasing is less expensive?
I've tried doing the math on that several times when we were going in to buy a car, but I never see it as being a saving. If I plan to keep a car for as long as it's useful and relatively trouble-free, leasing makes no sense. If I pay off a car in 3 years, or even 5 years, I could drive it for another 10 years and not have any car payments. But if I continuously lease new cars, I'll always have a car payment. The years w/o payments are money straight in the bank for me. I could see it being cheaper if you plan to buy a new car every couple of years, but I plan to drive my cars until they sputter, cough and die.
Incidentally, I just looked at a camry hybrid today. time to replace a puffing 12 year old car with 189,000 miles on it. I like it. Not sure the gas savings will outweigh that sticker price, tho. wow!
Any father figure who can lay the smack down?
You're the mother, it's your nature to protect, but somebody needs to protect you in this situation as well. I have no advice at all...I've never been through something like that, and can't even begin to imagine what it's like to be in your shoes.
She really needs an intervention or something...too bad she has frigged up her life so bad that not even the military would take her. That's the only think I can think of that would strip a person down to their core and rebuild them up bit by bit all new like without costing a small fortune that the private "reform" places do. She is 19 though, a legal adult. Maybe a one-way bus ticket, some cash, a peck on the cheek, a "you are the weakest link--goodbye."
I have a dalek action figure!
and a box of Jelly Babies from around 1983 my mother bought from PBS! I absolutely ADORE the new Dr. Who series and Torchwood...but I get it off BBC3 and it's all unedited and just freakin' awesome!!
Figure skating outfits
 My oldest daughter has just begun to take figure skating lessons. Anyone have those outfits for warmups that they no longer need? The ones available on ebay mostly ship from China. Thanks!!! Any information on where else to find them would really be helpful!
ballpark figure just for extractions....sm
I've got a quote right in front of me from an oral surgeon.....all upper teeth plus two lowers including general anesthesia....$2863.000!!!!!....On estimate insurance would cover about $1900.00, but that wasn't guaranteed.....It was suggested by both the dentist and oral surgeon that I wait to have the dentures made about 3 months later for a good fit and after the swelling has gone down....reasoning for that is you have to have them realigned repeatedly at more cost and sometimes they'll never fit right.....Starting cost $450 on up to about $1000+....Good luck to you....I'm still trying to save up enough $$$. I've had root canals, crowns....thousands of dollars of great work done over the years, but now come to find out I have degenerative bone in my maxilla and they won't hold.
Yeah, and it took her 12 weeks to figure it out... boy - sm
If I was 16 and late more than a week I would have done a home pregnancy test then, not wait until I had missed at least 2 periods; then think about it for a week before telling anyone. I think she wanted to get pregnant and wanted to be far enough along before telling anyone so they wouldn't/couldn't push her to have an abortion. ----reminds me of my brother's best friend's girlfriend (now wife)----she was 5 months pregnant before she "discovered" she was pregnant, get this she was/is a nurse, and yes he married her, guess she figured he wasn't getting her to the alter fast enough. Need to ask my brother if they are still married (this was back in the late 80s)
Trying to figure out oatmeal calories
I used a cup of oatmeals, added 1 and 3/4 cups of water, a little skim milk and a teaspoon of sugar- I know other calories but have yet to figure out the calorie count on the oatmeal.
Sorry, I thought MTs were smart enough to figure it
x
If someone is young and has a great figure, they
xx
I disagree: Her figure is definitely not elegant
Tall is ok, but too tall is not. I also agree that she is bow-legged.
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