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CommieGIR
Aug 22, 2006

The blue glow is a feature, not a bug


Pillbug
We had one kid. She wants a second one, but I want her to finish her degree. Besides, I don't think nature is smiling on us having another one. It took us 6 years of trying to even have the one.

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FAT32 SHAMER
Aug 16, 2012



Ether Frenzy posted:

At about 14 I began to recognize that if you remove

$20k a year in childcare costs from age 0-3
$40k a year in childcare costs from age 3-18
$100k a year in college fund from age 18-23
$5k a year in "My kid needs to buy an Evo X but ended up having his own kids so now he wants me to dip into my retirement" fund from age 23-42

Then all the funds for yourself get real full, you can buy those crazy presents for your nieces and nephews that their MEAN parents won't buy them, eventually your mattress also fills up with $100 bills with no kids stealing them and you end up having to find dumb things to spend money on, like $40k cars.

No Ragrats.

where in the world are you spending $100k/yr on university jesus christ

Queen_Combat
Jan 15, 2011
My snip was $400. Then I got into a relationship with two existing kids.

nm
Jan 28, 2008

"I saw Minos the Space Judge holding a golden sceptre and passing sentence upon the Martians. There he presided, and around him the noble Space Prosecutors sought the firm justice of space law."

funny Star Wars parody posted:

where in the world are you spending $100k/yr on university jesus christ

This place called 'murica. If you don't live in one of the few states with good public options, it can get pricey. Even out of state tuition at a good state school ia expensive as balls. Also, in 18 years, it will be way more.

FAT32 SHAMER
Aug 16, 2012



nm posted:

This place called 'murica. If you don't live in one of the few states with good public options, it can get pricey. Even out of state tuition at a good state school ia expensive as balls. Also, in 18 years, it will be way more.

in 18 years there probbo wont be much of america left but i see

somehow michigan has decent universities i guess

randomidiot
May 12, 2006

by Fluffdaddy

(and can't post for 11 years!)

There's plenty of (non-Ivy League) universities that have an annual cost of attendance of about $70k. Today. One of them is right here in DFW.

randomidiot fucked around with this message at 20:44 on May 30, 2017

nm
Jan 28, 2008

"I saw Minos the Space Judge holding a golden sceptre and passing sentence upon the Martians. There he presided, and around him the noble Space Prosecutors sought the firm justice of space law."

funny Star Wars parody posted:

in 18 years there probbo wont be much of america left but i see

somehow michigan has decent universities i guess

They do, but go look at what university of michigan costs out of state (45 loving grand tuition only).
Also, I will say that if your kid is smart/jard working enough to get into the really big name privates, it would be really nice to actually be able to afford that. The networking opportunities are just loving amazing at like harvard, stanford, and yale -- it is a big part as to why my stanford and yale educated aunt is rich as gently caress. It has less to do with the quality of education, but the doors it opens.
If you make to much money for scholarships (but not enough to just pay easy) the $300k in debt is kinda a killer.

meatpimp
May 15, 2004

Psst -- Wanna buy

:) EVERYWHERE :)
some high-quality thread's DESTROYED!

:kheldragar:

nm posted:

They do, but go look at what university of michigan costs out of state (45 loving grand tuition only).
Also, I will say that if your kid is smart/jard working enough to get into the really big name privates, it would be really nice to actually be able to afford that. The networking opportunities are just loving amazing at like harvard, stanford, and yale -- it is a big part as to why my stanford and yale educated aunt is rich as gently caress. It has less to do with the quality of education, but the doors it opens.
If you make to much money for scholarships (but not enough to just pay easy) the $300k in debt is kinda a killer.

The really big league schools don't cost much to attend, they have endowments out the rear end to pay for everything. I was interviewed by MIT way back and they pretty much said "if you get in, don't worry about tuition, that's usually handled from grants/scholarships." But I didn't make the cut. :eng99:

And, speaking of cuts, my snip in the US didn't cost more than $100 all told with copays for office visits.

meatpimp fucked around with this message at 20:56 on May 30, 2017

Somewhat Heroic
Oct 11, 2007

(Insert Mad Max related text)



Kazinsal posted:

I like to think of it as being "either I can have kids or have a house with a garage and a nice car AND not want to kill myself".

You can have all though, no promises for the last part.
Trying not to humblebrag appreciation station. It's a lot of work and has taken a lot of work to get where we are, and I've caught some good breaks in life and it looks like more work is in the future but I've got the house and garage and the car(s) and two kids with our third coming in ~2-3 weeks. Wife stays home and does the mom thing full time. That's without a formal education as well. It can be done friends :unsmith:

FAT32 SHAMER
Aug 16, 2012



nm posted:

They do, but go look at what university of michigan costs out of state (45 loving grand tuition only).
Also, I will say that if your kid is smart/jard working enough to get into the really big name privates, it would be really nice to actually be able to afford that. The networking opportunities are just loving amazing at like harvard, stanford, and yale -- it is a big part as to why my stanford and yale educated aunt is rich as gently caress. It has less to do with the quality of education, but the doors it opens.
If you make to much money for scholarships (but not enough to just pay easy) the $300k in debt is kinda a killer.

ah man i thought i had it rough with $13,000/semester with no room and board

:rip: america

Kazinsal
Dec 13, 2011



What the gently caress is wrong with your country? I paid 4000 canadian pesos per semester for tuition :psyduck:

scuz
Aug 29, 2003

You can't be angry ALL the time!




Fun Shoe
Having spent just 3 days in Canada as an American, it was very hard to go back home. I fuckin' love Canada.

FAT32 SHAMER
Aug 16, 2012



scuz posted:

Having spent just 3 days in Canada as an American, it was very hard to go back home. I fuckin' love Canada.

go back in january

scuz
Aug 29, 2003

You can't be angry ALL the time!




Fun Shoe

funny Star Wars parody posted:

go back in january
I live in Minnesota and enjoy the weather here so v:shobon:v

FAT32 SHAMER
Aug 16, 2012



scuz posted:

I live in Minnesota and enjoy the weather here so v:shobon:v

ok uh well enjoy canada, friend

Sadi
Jan 18, 2005
SC - Where there are more rednecks than people
So I ran some mountain bike trails for the first time with my brother in DuPont state park (on a loving pimp Santa Cruz Bronson CC). I kind of want to get into it but have a real lovely bike. He gets a hell of a deal on Raleigh bikes so i could pike up a tokul 3 for about $600. Any good reason not to? Only thing I think id want to add would be a dropper post.

https://www.raleighusa.com/tokul-5003

GnarlyCharlie4u
Sep 23, 2007

I have an unhealthy obsession with motorcycles.

Proof

funny Star Wars parody posted:

I checked out the truck today, turns out it has 28k miles and he's selling it cheap because he's an old man who can't drive and there are some dings, scratches, and missing parts from various run ins with trees that he's had





He's going to get a quote for how much it'd cost to fix and send me the specs for me to KBB then we'll get a price sorted out with my Saturn for trade included. I'm guessing I'll get it for $15k-25k which is still an insane deal

I wouldn't say that's an INSANE deal, but you'd be nuts not to take it. I paid $19500 for my 2011 F150 ecoboost with 40k miles on it. There wasn't a scratch on it and the guy basically just parked it in his garage and rubbed it with a diaper.

eyebeem
Jul 18, 2013

by R. Guyovich

nm posted:

What does the snip cost?

Wife may or may not want one more. A snip now costs approximately one Wife-that-would-own-everything.

I already have one ex-wife-that-owns-most-things.

InitialDave
Jun 14, 2007

I Want To Believe.

Sadi posted:

So I ran some mountain bike trails for the first time with my brother in DuPont state park (on a loving pimp Santa Cruz Bronson CC). I kind of want to get into it but have a real lovely bike. He gets a hell of a deal on Raleigh bikes so i could pike up a tokul 3 for about $600. Any good reason not to? Only thing I think id want to add would be a dropper post.

https://www.raleighusa.com/tokul-5003

https://www.youtube.com/watch?v=aR2oLA9mSXw

eyebeem
Jul 18, 2013

by R. Guyovich

Sadi posted:

So I ran some mountain bike trails for the first time with my brother in DuPont state park (on a loving pimp Santa Cruz Bronson CC). I kind of want to get into it but have a real lovely bike. He gets a hell of a deal on Raleigh bikes so i could pike up a tokul 3 for about $600. Any good reason not to? Only thing I think id want to add would be a dropper post.

https://www.raleighusa.com/tokul-5003

Everyone gets insane deals on Raleigh and Diamondback bikes thanks to the corp codes that have been floating around for the last 8 months.

That being said, the Tokul is a decent enough deal at $600. The fork is just over the line where they transition from garbage to passable. You can probably find a "better" used bike for $600, but for a new bike with a warranty, you won't beat that for the price.

Is $600 your max?

Diamondback has the Sync-r at $880 on their corporate site (you won't see this pricing when you open the link) and comes with a much better fork and overall build. https://www.diamondback.com/mountain-bikes/sync-r

I bought a Raleigh Stuntman on a whim a few months ago and it's been an absolute blast. It was stupid cheap at $1,200 and the build quality is very good. I have no qualms recommending Raleigh if you are looking for a new bike on a budget.

OBAMNA PHONE
Aug 7, 2002

eyebeem posted:

Wife may or may not want one more. A snip now costs approximately one Wife-that-would-own-everything.

I already have one ex-wife-that-owns-most-things.

what? isn't it your dick?

eyebeem
Jul 18, 2013

by R. Guyovich

BraveUlysses posted:

what? isn't it your dick?

Sure. I can do whatever I want with it, but I can't expect my wife to stay with me if she wanted more kids and I can no longer provide that.

Sadi
Jan 18, 2005
SC - Where there are more rednecks than people

eyebeem posted:

Everyone gets insane deals on Raleigh and Diamondback bikes thanks to the corp codes that have been floating around for the last 8 months.

That being said, the Tokul is a decent enough deal at $600. The fork is just over the line where they transition from garbage to passable. You can probably find a "better" used bike for $600, but for a new bike with a warranty, you won't beat that for the price.

Is $600 your max?

Diamondback has the Sync-r at $880 on their corporate site (you won't see this pricing when you open the link) and comes with a much better fork and overall build. https://www.diamondback.com/mountain-bikes/sync-r

I bought a Raleigh Stuntman on a whim a few months ago and it's been an absolute blast. It was stupid cheap at $1,200 and the build quality is very good. I have no qualms recommending Raleigh if you are looking for a new bike on a budget.

I haven't really established a budget. I'd like to stay under $1k for sure. There's a Sata Cruz Heckler R locally for sale with a dropper for 1.6k that really caught my attention but I don't want to drop that sort of cash on a bike to try out a new hobby.

eyebeem
Jul 18, 2013

by R. Guyovich

Sadi posted:

I haven't really established a budget. I'd like to stay under $1k for sure. There's a Sata Cruz Heckler R locally for sale with a dropper for 1.6k that really caught my attention but I don't want to drop that sort of cash on a bike to try out a new hobby.

The heckler is a completely different type of bike than the Tokul. It's a long travel full suspension bike, and is more like the Bronson your brother was riding. I suggest you find a local demo day somewhere and try out a few different bikes, including a hard tail, before you decide on what you want.

Personally, I suggest hard tails to most people when they are looking for bike #1, as you get way more for your money and they teach you more about how to ride a bike. Cheap full suspension bikes are garbage, and used full suspension bikes that are a "good deal" are almost always not property maintained.

Sadi
Jan 18, 2005
SC - Where there are more rednecks than people
I rode the Bronson, my brother has a carbon Ibis Mojo 3. It was a ton of fun running little drops and rock gardens (that I doubt were that sketchy) and letting the suspension eat it up. But yeah, i'm leaning towards hard tail for my first bike because it certainly doesn't seem like you can get a good full suspension bike near the same price as a good hard tail.

jammyozzy
Dec 7, 2006

Is that a challenge?
Come move to southern England, where you can have a decent job, be in a decent DINK relationship and still not be able to afford a home. :smith:

Also, gently caress this bike shop:



That's not how you seal a hydraulic lever you fuckhats. :argh:

eyebeem
Jul 18, 2013

by R. Guyovich

jammyozzy posted:

Come move to southern England, where you can have a decent job, be in a decent DINK relationship and still not be able to afford a home. :smith:

Pretty sure I have the same situation.

I live in Southern California.

nm
Jan 28, 2008

"I saw Minos the Space Judge holding a golden sceptre and passing sentence upon the Martians. There he presided, and around him the noble Space Prosecutors sought the firm justice of space law."

Seminal Flu posted:

The really big league schools don't cost much to attend, they have endowments out the rear end to pay for everything. I was interviewed by MIT way back and they pretty much said "if you get in, don't worry about tuition, that's usually handled from grants/scholarships." But I didn't make the cut. :eng99:


Kinda. If your parents bought a 300k house in the bay area 20 years ago, good loving luck.
Need based aid is great, but there is a pretty significant swath of people in high cost areas who get missed and hopefully they have savings or they're gonna get missed.
My school had 100% need based aid, but there were a fair number of people from those coasts who just missed out and needed loans. This was 15 years ago though and maybe they've improved a bit.

rdb
Jul 8, 2002
chicken mctesticles?

nm posted:

Kinda. If your parents bought a 300k house in the bay area 20 years ago, good loving luck.
Need based aid is great, but there is a pretty significant swath of people in high cost areas who get missed and hopefully they have savings or they're gonna get missed.
My school had 100% need based aid, but there were a fair number of people from those coasts who just missed out and needed loans. This was 15 years ago though and maybe they've improved a bit.

Dear god this. Need based things only seem to exist to gently caress over the middle class. The other issue that came up for me is what if your parents just plain refuse to help out but figured out that if they provide $250 a month for food your still their dependent. If I could only go back 18 years and tell myself this...

Education and health care just need to be affordable for everyone, somehow.

Also my pilot today was nice and did a low holding pattern over Niagara Falls. About the only time I have ever been thankful for a window seat on a regional jet. My contract got extended to September so I still have to fly for a while.

CAT INTERCEPTOR
Nov 9, 2004

Basically a male Margaret Thatcher

rdb posted:


Education and health care just need to be socialised as gently caress so everyone can afford it

That's how everyone can afford both. Oh and taxes used for both rather than bombing another ME country.

meatpimp
May 15, 2004

Psst -- Wanna buy

:) EVERYWHERE :)
some high-quality thread's DESTROYED!

:kheldragar:

nm posted:

This was 15 years ago though and maybe they've improved a bit.

My data is 15 years old, too, so I fully believe that my data is out of date. For sure, nothing has gotten better for students in this past 15 years.

InitialDave
Jun 14, 2007

I Want To Believe.

CAT INTERCEPTOR posted:

That's how everyone can afford both. Oh and taxes used for both rather than bombing another ME country.
Well, good luck getting people to understand that having healthy, not-stupid people populating your country is a net benefit. Or that getting your collective knickers in a twist about hilariously small expenditures of public funds on contraception etc is totally backward when you consider the costs of the inevitable alternative result.

Though on the other side, pushing university as the "best" education path is mistaken. It should be a tool for enhancing knowledge/learning of a specific subject, as and when academia is the best approach to do so. You need good general education that's fit-for-purpose, and to respect that vocational training and apprenticehips are not a "lesser" option. There's a lot to be said for becoming a good plumber or electrician etc as a way to secure your ability to put food on the table, even better if you have an affinity for something where society at large is looking down the barrel of upcoming "natural wastage" of the current skilled providers of it. Something needs to be done about the feedback loop of "Everyone goes for a degree because you need a degree to get a job because everyone goes for a degree of some kind now". hosed if I know what though, I'd imagine it's a bit of a house of cards at present, and poking it too hard will be very much worse-before-it-gets-better territory.

CAT INTERCEPTOR
Nov 9, 2004

Basically a male Margaret Thatcher

InitialDave posted:

Well, good luck getting people to understand that having healthy, not-stupid people populating your country is a net benefit. Or that getting your collective knickers in a twist about hilariously small expenditures of public funds on contraception etc is totally backward when you consider the costs of the inevitable alternative result.


Most of the Western world seems to be able to do that. Even some of the third world.

ExplodingSims
Aug 17, 2010

RAGDOLL
FLIPPIN IN A MOVIE
HOT DAMN
THINK I MADE A POOPIE


The AC at the place I'm staying at is fuuuuuucked

Ever since it got super hot it just can't keep up. I did some preventive maintenance before the season started, but it's just gotten worse. The coils are disintegrating and it's just a lovely unit to begin with.
Last night it got up to 80* at around 5 and took until 11 to drop to 77"

Welp, time to quote the Landlord for a new unit! :V

Applebees Appetizer
Jan 23, 2006

eyebeem posted:

Currently paying $3,000~/month for two kids in daycare. It's going to be an insane windfall in a few years.

That's why we decided on mom staying home for awhile, what's the point of working if most or all of your paycheck goes to childcare? Yeah it was tough for awhile and I worked 50 and 60 hour weeks for what seemed like forever, but my son was taken care of by his mother until he was 7yrs old and you can't buy that. Now the wife is making great money and making up for the lost work time :v:

eyebeem
Jul 18, 2013

by R. Guyovich

Applebees Appetizer posted:

That's why we decided on mom staying home for awhile, what's the point of working if most or all of your paycheck goes to childcare? Yeah it was tough for awhile and I worked 50 and 60 hour weeks for what seemed like forever, but my son was taken care of by his mother until he was 7yrs old and you can't buy that. Now the wife is making great money and making up for the lost work time :v:

We talked about it, but in my wife's industry it can be a real killer to have a lapse in your career. Coupled with her INSANE amount of student loan debt and the fact that she went nuts just being home for 8 weeks with the babies..... daycare it is.

We're currently looking for a daytime nanny because we are terrible parents and work a lot of hours. One of us has to leave work earlier than we would like to get the kids before the place closes. Not having to handle the transportation back and forth would be so much better. And it might be the same price as daycare.

Adiabatic
Nov 18, 2007

What have you assholes done now?
I worked 80 hours last week and I need to go in at 1am tonight to start up some poo poo and whats weird is I really really enjoyed it. This poo poo is cool.

eyebeem
Jul 18, 2013

by R. Guyovich
I wonder how much I would have made last year if I was paid my wage hourly instead of salary.

Previa_fun
Nov 10, 2004

eyebeem posted:

I wonder how much I would have made last year if I was paid my wage hourly instead of salary.

Just a warning: you can't un-know this fact.

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eyebeem
Jul 18, 2013

by R. Guyovich

Previa_fun posted:

Just a warning: you can't un-know this fact.

Eh. In an alternate universe my hourly rate would be less to compensate. That's how free market employment works.

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