Is she in poverty? No. However, she is counting every single penny, living frugally
Nothing wrong with that. Living frugally is what most people have to do.
Is she in poverty? No. However, she is counting every single penny, living frugally
So you’re using Colorado to justify your insurance costs in WV? For a single person making 36k, according to Peia for 2017-18 she’s pay at most $122/month
fvcking obamacare. prove me wrong.And you'd be wrong:
Brandon Harrison, a 10th-grade US history teacher in the Denver Public Schools, told me he used to pay $30 a month for health care premiums when he started his career as a 22-year-old in another Colorado district. He said he was earning a little shy of $40,000 a year — and now, with seven years’ experience, he’s up to about $50,000. But his health insurance premiums at his current school have skyrocketed to $350 a month just to cover himself, a rate of increase that offsets whatever raises he gets.
I guess I should have gone with $350 instead of $250, huh?
.
You stated Huntington, WV. You did not state Denver, CO.And you'd be wrong:
Brandon Harrison, a 10th-grade US history teacher in the Denver Public Schools, told me he used to pay $30 a month for health care premiums when he started his career as a 22-year-old in another Colorado district. He said he was earning a little shy of $40,000 a year — and now, with seven years’ experience, he’s up to about $50,000. But his health insurance premiums at his current school have skyrocketed to $350 a month just to cover himself, a rate of increase that offsets whatever raises he gets.
I guess I should have gone with $350 instead of $250, huh?
Again, I only deducted $1150 for her housing and ALL utilities, including cell phone. It doesn't matter if she bought the fvcking house or is renting. If she has to rent a one bedroom apartment with all utilities (including television, wifi, cell phone), she is going to pay about that same amount for a modest place.
Uhh, yeah. You guys were still in school and didn't have careers. That's the whole fvcking point. A teacher with a master's degree has completed her schooling (at a higher level), has a career, and is pinching pennies.
Read better. It doesn't matter if she bought a modest house or lived in an apartment. Same cost. I said she wasn't able to travel at all, so where did you get "travel all over" from? Go to Outback? I said she eats out once per month.
So you’re using Colorado to justify your insurance costs in WV? For a single person making 36k, according to Peia for 2017-18 she’s pay at most $122/month
Nothing wrong with that. Living frugally is what most people have to do.
Come on 429. You can’t expect him to understand this little fact when he expects an income should guarantee weekend getaways, wedding trips, and other vacations.
You stated Huntington, WV. You did not state Denver, CO.
The point is we were making it with 2 people not one with half the money you are talking about.
I'm using a teacher's insurance cost to prove Herdman's claim that "it is damn near free" is bogus. It would be $123, not $122. And the point remains the same.
And somebody with a Master's who has an important job shouldn't have to "live at home" like BC claims most do or pinch every penny.
No, it should allow at least taking a weekend trip and be able to pay for gas, lodging, and food. Under the numbers I showed, that isn't allowed.
And you claimed it was damn near free, which is bogus. The point? The point is that you're trying to compare two people without degrees with a person with an advanced degree. That's the entire point. She shouldn't have to pinch pennies with an advanced degree in that job. The point is that $17,000 in 1990 is almost as much as this teacher's income now. Considering you both lived together, could cut down on food costs since it was being shared, could have only one vehicle, etc. would give you a huge advantage. In other words, it's not much different of a scenario AND she has an advanced degree and neither of you had any degrees.
You forget I know some teacher's very well. A single participant for someone I know very well is $80 per month. Hence, damn near free.
And, we didn't have degrees at the time.
OK, $123. that is still low cost and damn near free. That is pretty low cost.In what state? The PEIA table states $614 per month. The teacher only has to pay 20% of that as a premium, which is $123 (and very close to the $122 the children’s backrubber quoted).
And $80/month is nearly free? Not to a person pinching pennies due to being underpaid.
OK, $123. that is still low cost and damn near free. That is pretty low cost.
what do PEIA participants pay for their family plans?That’s about 10% of her take home pay after normal housing costs. Hardly “damn near free.”
what do PEIA participants pay for their family plans?
28 bucks a month?employee only, plan b, salary of $35,000:
employee premium: $28/monthly
family plan b, salary of $35,000:
employee premium: $109/monthly
these numbers are straight from the "shoppers guide" for peia employees in the state of wv.
don't forget to reduce premiums in the chart by $25/$50 for employee only/family coverage if you look it up in an attempt to prove me wrong.
And they went on strike? Geeebus28 bucks a month?
109 for a family????
I'm using a teacher's insurance cost to prove Herdman's claim that "it is damn near free" is bogus. It would be $123, not $122. And the point remains the same
Except an extra $127 or more a month depending on which plan she selected makes a difference in your original claimIn what state? The PEIA table states $614 per month. The teacher only has to pay 20% of that as a premium, which is $123 (and very close to the $122 the children’s backrubber quoted).
And $80/month is nearly free? Not to a person pinching pennies due to being underpaid.
28 bucks a month??
employee only, plan b, salary of $35,000:
employee premium: $28/monthly
family plan b, salary of $35,000:
employee premium: $109/monthly
these numbers are straight from the "shoppers guide" for peia employees in the state of wv.
don't forget to reduce premiums in the chart by $25/$50 for employee only/family coverage if you look it up in an attempt to prove me wrong.
Oh, the point remains the same, does it? I didn't think we were allowed to make up lies and use different states in an attempt to prove our point? Odd, that double standard.
Meanwhile, you intentionally choose a hypothetical 26 year old, because you know she has to be off her parents' insurance. Then, you chose a state (WV) with one of the lowest salaries for teachers in the country. Then, you shifted to Colorado, where insurance is much higher, to keep your idiotic scenario going.
God dang, you're a hypocrite.
Except an extra $127 or more a month depending on which plan she selected makes a difference in your original claim
The problem here is that $28/month could go to buying airfare tickets for their spring break trip to the Bahamas...while they remain “frugal”.
ha, i knew you'd go for that. so predictable. the plan i used is comparable to the plan you chose from a different state when speaking to cost of living in west virginia.Nice job avoiding that the plan you chose has a deductible of $725 which just blew the monthly budget for her next three months. Sure hope she doesn't get sick!
If I was single I could live like a king on 30 grand a year. Can't afford a drive with two nights hotel stay? Seriously? And, gifts for the family? Most of us don't wear those cashmere sweaters and Gucci watches. You can bake your parents a cake or a pie on Christmas. Most parents are just happy to see their kids and Christmas. We don't need a Rolex.No, I chose 26 years old because that seems like a normal age for a teacher to be hired full-time after obtaining a master's. I didn't select Colorado for any reason other than a Google search about WV brought up an article which quoted the Colorado teacher and his individual premium. Let me know if you'd like to see the article for clarification and proof.
And yes, the point remains the same. I gave this woman quite a few breaks (community college with no debt, parents helping, no children, etc.) and she still is barely making it. In other words, the original quote that I challenged ("supporting a family") would be entirely accurate. If this girl is barely making it (assuming no major house/car breakdowns) it, having to support dependents wouldn't work.
Sure it does, just like any of the factors that I gave her a break on would eat away that $127 quickly.
That was never the issue. The issue is that this professional with a master's couldn't even afford a flight to a funeral, a weekend drive with a two night hotel stay, or gifts for family on holidays.
If I was single I could live like a king on 30 grand a year.
difference between the plans are basically pay now or pay later. bottom line is that a teacher can have easily affordable insurance. you knew that, though, which is why you used colorado premiums instead of premiums for the state you were speaking to because the available premiums for the state you were speaking to didn't support your argument.
carry on with your misinformation, though.
And by "king," you mean a double wide with a 10 year old car, dollar menu every night, and vacations consisting of going through the automotive department door at Walmart.
Oh, so an extra $30/month? Great!
And no, the Colorado thing is what I explained earlier. Google "West Virginia teacher insurance cost." One of the first handful of returns is this article:
https://www.vox.com/2018/3/16/17119366/teacher-health-insurance-cost-rising-data
The focus is on WV in the headline, but they use a quote from a Colorado teacher.
Again, the point remains the same. A single teacher under the situation I presented is living frugally and pinching pennies. If she had to support a family, as was the quote that I challenged, it wouldn't be possible.
and, my point is that if you use the correct numbers, you just freed up a $100 in her budget. not a huge deal, but still the point.And by "king," you mean a double wide with a 10 year old car, dollar menu every night, and vacations consisting of going through the automotive department door at Walmart.
Oh, so an extra $30/month? Great!
And no, the Colorado thing is what I explained earlier. Google "West Virginia teacher insurance cost." One of the first handful of returns is this article:
https://www.vox.com/2018/3/16/17119366/teacher-health-insurance-cost-rising-data
The focus is on WV in the headline, but they use a quote from a Colorado teacher.
Again, the point remains the same. A single teacher under the situation I presented is living frugally and pinching pennies. If she had to support a family, as was the quote that I challenged, it wouldn't be possible.
and, my point is that if you use the correct numbers, you just freed up a $100 in her budget. not a huge deal, but still the point.
the larger point, though, is if you're fabricating one number, who's to say you wouldn't fabricate the rest? nobody. hell, you fabricated the "damz boiz", or whatever it was. your word has gone to shit around here, can't believe a fvckin thing you say anymore.
At least she’s not on of rifles 16 year old fantasiesCall me a pervert if you like, but I'm wanting to see nudes of this 26 year old hypothetical school teacher
At least she’s not on of rifles 16 year old fantasies
I’m not blaming anyone R Kelly. You’re the one fantasizing about 16 year olds not me.You don't need to fantasize about 16 year olds, because you live them out daily in your "job," backrubber.
And everyone thinks you're a moron for blaming a guy for wanting to bang that girl.
bwahahaha, look at this faggit. sure, she needs to take the higher deductible, just so you can add that to your things she can't afford so she can afford that nicotine habit you just labeled her with.No, you're the one who took liberties in creating your own additions to the story. Who said she would qualify for the $25 deduction? Freeing up $100 is useless considering I gave her a bunch of breaks that many people don't have which would gobble up more than just that $100.
And it isn't even $100. The difference was $100 IF she qualifies for the discount and IF she takes the plan which fvcks her if she ever gets sick and has to go to the doctor's. She wouldn't be able to pay that type of deductible. She should opt for the larger monthly plan and lower deductible so she doesn't go underwater when she does get sick. Taking away the deductible and your assumed discount puts the difference around $30.
Link to your definition of "kid"......
I don't have the desire to teach you biology. A "kid" is considered a pre-pubescent human, puberty for girls generally kicks in between ages 11-13, although that's getting earlier these days. However, when Pocahantas was roaming the plains of Oklahoma, it was 12-13. Therefore, she was done being a kid no later than 1962.
I didn't ask for your opinion, I asked for a link to your definition of kid. Are you having trouble finding one?
And you're looking for another trivial detail to argue. This is just you, casting your line out with bait on the hook, hoping Banker will bite. Good luck, moron.
Extra, forget everything I said.