Maybe the same space, ideally the same space, but idealism and reality aren't always an option.
But there in lies the rub.
When I was divorced my financials where tied up because of that nonsense. So I worked my ass off for the last year keeping up on my payments and expenses.
It's funny.
"we don't want to lend to you because you do not strike us as someone that will be able make the payments.
And it's all like : "Honey:\; I've been making those payments without fail for nearly 20 years to rental properties, utility companies, and every other necesity for living and doing business. I pay my bills and I work my ass off to do it. Just because yall don't want to help me consolidate all of these expenses into a home or business loan because "your income doesn't support it." is a bunch of bullshit.
Here's the truth of it.
I work for others just enough to pay my bills.
I work for myself and doing community service with the rest of my time.
Because in the modern economy, and for my generation, retierment (save for a lucky few) is an option that was removed from the table decades ago.
So the question I have is, why should I break my back and put my health and safety at risk to increase my income if the income is unnecissary beyond covering the costs of living. And since, if I (or others of this generation) are going to be able to retire it will be on such a low fixed income that we'll have to work to continue to support ourselves?
It all goes back to labor negotiations
These companies posting billion dollar profit margins need to weight that against the abilities of their employees to support themselves or paying taxes to programs and social services that will suppliment their workforce. Because as it stands most of the funding for those programs comes from taxes on the work force and donations from people that oftend do not have enough to donate but they do anyway.
When I was divorced my financials where tied up because of that nonsense. So I worked my ass off for the last year keeping up on my payments and expenses.
It's funny.
"we don't want to lend to you because you do not strike us as someone that will be able make the payments.
And it's all like : "Honey:\; I've been making those payments without fail for nearly 20 years to rental properties, utility companies, and every other necesity for living and doing business. I pay my bills and I work my ass off to do it. Just because yall don't want to help me consolidate all of these expenses into a home or business loan because "your income doesn't support it." is a bunch of bullshit.
Here's the truth of it.
I work for others just enough to pay my bills.
I work for myself and doing community service with the rest of my time.
Because in the modern economy, and for my generation, retierment (save for a lucky few) is an option that was removed from the table decades ago.
So the question I have is, why should I break my back and put my health and safety at risk to increase my income if the income is unnecissary beyond covering the costs of living. And since, if I (or others of this generation) are going to be able to retire it will be on such a low fixed income that we'll have to work to continue to support ourselves?
It all goes back to labor negotiations
These companies posting billion dollar profit margins need to weight that against the abilities of their employees to support themselves or paying taxes to programs and social services that will suppliment their workforce. Because as it stands most of the funding for those programs comes from taxes on the work force and donations from people that oftend do not have enough to donate but they do anyway.
While the employer does cover a large portion of those taxes in many situations Whould such a high tax rate be neccissary if the workforce was able to recive more of those funds directly in the form of a living wage requiring less dependance on public resources and charitable donations so that those resources can be saved for true emergencies like natural disasters and other threats to public safety/health.
A self sufficiant wage is about 50k a year for a single individual and 100k a year for a family of four or less.
But people don't need that much to survive some might argue. You can support yourself on less...yes you can, and I have been doing so on and average less than 20k/year for a number of years.
I got rid of my car which reduced my yearly overhead by nearly 15k in fuel, mantanannce and insurance. then, when it comes to dinners out and going to the movies....well...to do those things I skip meals. So if you see me at the theater, chances are I skipped more than a couple of days worth of eating during the week.
Is that a healthy way to do it?
No, but it's the only way to maintain self suffency in the current market place when the largest and most essential work forces (outside of emergency services and healthcare professionals...though both of those need the agricultural and supply line supports afforded them by low wage workers) are unable to be self sufficent on the employment available to them.
Why, as family units become smaller and more contained, multi and large family living are the majority of housing available, and the single/double occupancy living situations are prohibitivly expense compared to offered wages by the largest employers, the very same employers that have gotten to the point of almost completly destroying family owned and small businesses in the communities they inhabit.
Lower costs on goods at what cost?
Utilizing a work force that is essential to keep everyone fed and housed by alowing them no other work options aside from non livable wages for a singular employer or having to cobble together multiple part time jobs just to make ends meet.
But anyways...balancing the economy isnn't just a problem with finding the right tax rate v.s. the corporations/rich
It is finding the true cost of modern living and making sure that wages match or there is properly funded social nets to support the cost of modern living.
But people don't need that much to survive some might argue. You can support yourself on less...yes you can, and I have been doing so on and average less than 20k/year for a number of years.
I got rid of my car which reduced my yearly overhead by nearly 15k in fuel, mantanannce and insurance. then, when it comes to dinners out and going to the movies....well...to do those things I skip meals. So if you see me at the theater, chances are I skipped more than a couple of days worth of eating during the week.
Is that a healthy way to do it?
No, but it's the only way to maintain self suffency in the current market place when the largest and most essential work forces (outside of emergency services and healthcare professionals...though both of those need the agricultural and supply line supports afforded them by low wage workers) are unable to be self sufficent on the employment available to them.
Why, as family units become smaller and more contained, multi and large family living are the majority of housing available, and the single/double occupancy living situations are prohibitivly expense compared to offered wages by the largest employers, the very same employers that have gotten to the point of almost completly destroying family owned and small businesses in the communities they inhabit.
Lower costs on goods at what cost?
Utilizing a work force that is essential to keep everyone fed and housed by alowing them no other work options aside from non livable wages for a singular employer or having to cobble together multiple part time jobs just to make ends meet.
But anyways...balancing the economy isnn't just a problem with finding the right tax rate v.s. the corporations/rich
It is finding the true cost of modern living and making sure that wages match or there is properly funded social nets to support the cost of modern living.
Largely a balnace between the two would both create a more stable government funding system to the point where the only true negotiations are for new projects and funding of existing programs is guranteed for those that need them. That way, if a new budgetary standeard isn't passed the maching continues steaming ahead while people nitpick over how to spend/save the overage.
How have I survived on suh low funs over these many years. Shared living, setting a budget based on my minmum income and only giving myself a small allowance for extras to keep sanity and health stable. Then about once or twice a year seeing what I've saved and then utilizing that savings to pay for larger expenditures that I would not normally alow myself. Usually an update to my tech but usually paying off the balance of what ever borrowing I did during that time.
I follow the "succesful with money" rules.
But I am yet to find a job that is willing to pay either a minimum living wage as reflected by modern costs and overhead or qualify for the lending necissary to be self sufficient. Anyways, aide from digital rights the other issue i'm researching and crunching is what a modern minum wage looks like while avoiding destroying small buisness with the costs or scaring large coporations onto hiking their prices to the point of making the minum wage unsustainable again.
That's the hard part, the scary part, and the scary part.
Finding the balance.
And being able to succesfully negotiate it without putting lives or livelyhoods in danger beyond the possibility of a carrer change as the economy continues to evolve with the instant connectivity that modern technoloogy offers.
Stay Safe.
I'm going to keep my ear to the ground and crunching possibilities v.s. probabilities while trying to find an economic balance that will be healthy on a local, state, national, and global scale.
How have I survived on suh low funs over these many years. Shared living, setting a budget based on my minmum income and only giving myself a small allowance for extras to keep sanity and health stable. Then about once or twice a year seeing what I've saved and then utilizing that savings to pay for larger expenditures that I would not normally alow myself. Usually an update to my tech but usually paying off the balance of what ever borrowing I did during that time.
I follow the "succesful with money" rules.
But I am yet to find a job that is willing to pay either a minimum living wage as reflected by modern costs and overhead or qualify for the lending necissary to be self sufficient. Anyways, aide from digital rights the other issue i'm researching and crunching is what a modern minum wage looks like while avoiding destroying small buisness with the costs or scaring large coporations onto hiking their prices to the point of making the minum wage unsustainable again.
That's the hard part, the scary part, and the scary part.
Finding the balance.
And being able to succesfully negotiate it without putting lives or livelyhoods in danger beyond the possibility of a carrer change as the economy continues to evolve with the instant connectivity that modern technoloogy offers.
Stay Safe.
I'm going to keep my ear to the ground and crunching possibilities v.s. probabilities while trying to find an economic balance that will be healthy on a local, state, national, and global scale.
