# Bus monitor bullied **URL:** \ **Category:** NYSpeed Off Topic\ **Created:** [June 21, 2012, 6:52am UTC](https://forums.speedlife.net/t/bus-monitor-bullied/224041 "2012-06-21T06:52:42Z")\ **Posts on this page:** 20\ **Page:** 9
**Author:** ![misteroman](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/misteroman/32/7423_2.png) [@misteroman](https://forums.speedlife.net/u/misteroman)\ **Post date:** [June 23, 2012, 9:21pm UTC](https://forums.speedlife.net/t/bus-monitor-bullied/224041/161 "2012-06-23T21:21:27Z")
yes I see a few misspelled words and the dreaded your\* ---------- Post added at 12:21 AM ---------- Previous post was at 12:21 AM ---------- you’re renting an apt ---
**Author:** ![Motocrossx23](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/motocrossx23/32/5120_2.png) [@Motocrossx23](https://forums.speedlife.net/u/Motocrossx23)\ **Post date:** [June 23, 2012, 9:57pm UTC](https://forums.speedlife.net/t/bus-monitor-bullied/224041/162 "2012-06-23T21:57:03Z")
Fuck having kids. We have enough damn people on this planet. Why bother making more mediocre shitbags? I’ll take my 40k a year and find a hottie and call it a day. Thanks. ---
**Author:** ![TradersBASE](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/tradersbase/32/5321_2.png) [@TradersBASE](https://forums.speedlife.net/u/TradersBASE)\ **Post date:** [June 23, 2012, 10:13pm UTC](https://forums.speedlife.net/t/bus-monitor-bullied/224041/163 "2012-06-23T22:13:13Z")
> [@misteroman](#): > > and man I just cant believe I typed all this LOL And I can’t believe I just read it all. 😉 Kidding, organized a little bit further and it makes a great template/guide for a reasonable cost of living. ---
**Author:** ![ProgRocker](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/progrocker/32/5434_2.png) [@ProgRocker](https://forums.speedlife.net/u/ProgRocker)\ **Post date:** [June 23, 2012, 10:29pm UTC](https://forums.speedlife.net/t/bus-monitor-bullied/224041/164 "2012-06-23T22:29:12Z")
> [@Motocrossx23](#): > > Fuck having kids. > > We have enough damn people on this planet. Why bother making more mediocre shitbags? > > I’ll take my 40k a year and find a hottie and call it a day. > > Thanks. +1 the ROI for children just isn’t there. ---
**Author:** ![Willybeen](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/willybeen/32/7351_2.png) [@Willybeen](https://forums.speedlife.net/u/Willybeen)\ **Post date:** [June 23, 2012, 10:37pm UTC](https://forums.speedlife.net/t/bus-monitor-bullied/224041/165 "2012-06-23T22:37:54Z")
> [@ProgRocker](#): > > +1 the ROI for children just isn’t there. [http://www.nyc.gov/html/hra/downloads/pdf/income\_level.pdf](http://www.nyc.gov/html/hra/downloads/pdf/income_level.pdf) DISAGREE 😉 ---
**Author:** ![ProgRocker](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/progrocker/32/5434_2.png) [@ProgRocker](https://forums.speedlife.net/u/ProgRocker)\ **Post date:** [June 23, 2012, 10:46pm UTC](https://forums.speedlife.net/t/bus-monitor-bullied/224041/166 "2012-06-23T22:46:51Z")
now subtract that from the cost to feed, house, clothe, bathe, etc. ---
**Author:** ![TradersBASE](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/tradersbase/32/5321_2.png) [@TradersBASE](https://forums.speedlife.net/u/TradersBASE)\ **Post date:** [June 24, 2012, 12:21am UTC](https://forums.speedlife.net/t/bus-monitor-bullied/224041/167 "2012-06-24T00:21:47Z")
> [@ProgRocker](#): > > now subtract that from the cost to feed, house, clothe, bathe, etc. Indeed, and people wonder why kids are being found in closets or offered up for sale…pffft. [http://news.yahoo.com/texas-mom-accused-trying-sell-infant-4-000-230737818--abc-news-topstories.html](http://news.yahoo.com/texas-mom-accused-trying-sell-infant-4-000-230737818--abc-news-topstories.html) [http://news.yahoo.com/32-pound-10-old-found-locked-mo-closet-001500033.html](http://news.yahoo.com/32-pound-10-old-found-locked-mo-closet-001500033.html) ---
**Author:** ![LZ1](https://avatars.discourse-cdn.com/v4/letter/l/7ab992/32.png) [@LZ1](https://forums.speedlife.net/u/LZ1)\ **Post date:** [June 24, 2012, 6:24am UTC](https://forums.speedlife.net/t/bus-monitor-bullied/224041/168 "2012-06-24T06:24:33Z")
**Health Insurance** Derek a 40k a year job that has health insurance for a family that is $200 a month good luck? Here - [http://money.cnn.com/2012/03/29/pf/healthcare-costs/index.htm](http://money.cnn.com/2012/03/29/pf/healthcare-costs/index.htm) - Average health of health care for a family of for is 20k a year in the US. Here - [http://finance.yahoo.com/news/How-Much-Does-Health-iw-1773357078.html](http://finance.yahoo.com/news/How-Much-Does-Health-iw-1773357078.html) - Average monthly health insurance premium is $414 a month for a family. This isn’t covering co pays/out of pocket/etc so hope no one ever gets sick or goes to the emergency room? **long term** You haven’t invested a dime so you will probably never retire and die working since social security is :lol: I also don’t see working 65 hours a week for life being useful to your health or long term well being. **misc expenses** Doesn’t look like you factored in items like toilet paper, paper towels, cleaning supplies, kids clothes, toys, computer? , tv, any entertainment? etc **cost of raising a child** And the cost of raising a child? [http://money.cnn.com/2011/09/21/pf/cost\_raising\_child/index.htm](http://money.cnn.com/2011/09/21/pf/cost_raising_child/index.htm) - $226,920 last year (not including college), **House** And the assumption is you got a house for 75 more a month and nothing ever breaks goes wrong? Not to mention heating bill should defiantly increase along with other maintenance costs vs the apartment. **Your math** Withholding Results Check date: June 24, 2012 Federal effective date: January 1, 2012 New York effective date: January 1, 2012 Gross pay $769.23 Federal income tax $53.37 Social Security $32.31 Medicare $11.15 New York $32.39 Net pay (take home) $640.01 So 2560 a month The total of your expenses you listed was 2175 leaving you with 385 + 150(2nd job) is 535 extra a month from 65 hours of work. “Now you’re up to 1200 a month clear after paying all your bills. You’re only wooking 65 hrs a week which is more then you’d probably like buy still very manigable and plenty of time to see your family.” You’re not even at half that 1200 a month figure you tossed out…Its 535. You also mentioned buy a car well sadly with the correct math you only saved 6420 in a year…So what were you driving to work and delivering pizzas in previously? Something that obviously never breaks or needs any money? The actual number to make this happen is much closer to 55-60k(With both parents working is very obtainable btw) What kind of school district are you living in? If your child going to have the same level of success? Hopefully the child now has a better life because mommy stayed home and dad work 65 hours a week :tup: ---
**Author:** ![bing](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/bing/32/7211_2.png) [@bing](https://forums.speedlife.net/u/bing)\ **Post date:** [June 24, 2012, 7:19am UTC](https://forums.speedlife.net/t/bus-monitor-bullied/224041/169 "2012-06-24T07:19:04Z")
> [@Motocrossx23](#): > > Fuck having kids. > > We have enough damn people on this planet. Why bother making more mediocre shitbags? incorrect. there are too many malnutritioned people living in abject poverty in war-torn dictatorships or unstable nations or China / India. the native (post-occupation) populations of all Western nations are shrinking because people would rather have nicer cars than bigger families and then complain that there are too many immigrants being allowed into their respective countries even though nations need the immigrants to take all the bottom-end labour and to build the tax base for future generations of under-procreated, well-to-do whities. also derek, too much math and words in that post. this is the internet, there is no point in using facts to argue opinions. ---
**Author:** ![cougarspeed](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/cougarspeed/32/7468_2.png) [@cougarspeed](https://forums.speedlife.net/u/cougarspeed)\ **Post date:** [June 24, 2012, 8:41am UTC](https://forums.speedlife.net/t/bus-monitor-bullied/224041/170 "2012-06-24T08:41:27Z")
I think it is amusing when people have opinions and feel others should have to agree with them. ---
**Author:** ![TradersBASE](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/tradersbase/32/5321_2.png) [@TradersBASE](https://forums.speedlife.net/u/TradersBASE)\ **Post date:** [June 24, 2012, 8:55am UTC](https://forums.speedlife.net/t/bus-monitor-bullied/224041/171 "2012-06-24T08:55:23Z")
![http://donkeyts.com.s3.amazonaws.com/artifacts/images/design_data/thumb-275x274-design-609.png](http://donkeyts.com.s3.amazonaws.com/artifacts/images/design_data/thumb-275x274-design-609.png) ---
**Author:** ![misteroman](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/misteroman/32/7423_2.png) [@misteroman](https://forums.speedlife.net/u/misteroman)\ **Post date:** [June 24, 2012, 9:00am UTC](https://forums.speedlife.net/t/bus-monitor-bullied/224041/172 "2012-06-24T09:00:36Z")
Lol I think my numbers were pretty close im pretty sure but was solo tired last night from typing that( working 77 hrs now lol) a lil hard to do it on my cracked up phone. No internet at home saving money!!! Also im not saying I lived this way or it is a dream life but it is possible and while it would be hard in 5 yrs it would really start paying off. As far as the house, remember u bought a nice little house that was all redone and I gave ya 2$28k for repairs on this new house over 15 yrs which is very high!!! ---
**Author:** ![Beck](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/beck/32/28683_2.png) [@Beck](https://forums.speedlife.net/u/Beck)\ **Post date:** [June 24, 2012, 9:16am UTC](https://forums.speedlife.net/t/bus-monitor-bullied/224041/173 "2012-06-24T09:16:50Z")
> [@misteroman](#): > > ## I think a family of 3 can live extremely comfortable on a $40k a yr salary. That is a 12.90 an hr job working 53 hrs a week. Take home would be 561.5385 a wk or $2433 a mo 800 a mo for a decent 2 bdrm including utilities 300 car payment should get ya something pretty nice I hope ya can at least have a 2nd cheaper car paid for. 400 mo food If you spend more than that stop eating like you’re rich and start clipping coupons. This is about what I spend 50 mo cable. Ill even let ya have that 250 mo gas any more, get rid of the Tahoe 200 mo Health Ins any more than that need to start looking into a better job 100 misc (laundry,gifts,etc) 75 mo 2 cell phones. You don’t need smart phone when trying to get by > > 2175 > Leaves you $250+ a mo for other stuff( co pays, clothes, oil changes, etc) Ya want to be even more comfortable, get rid of that $300 a mo car payment and go spend $1500 on a nice reliable car( 99 Century, 97 civic, etc) Might have rust and a dent or two but will last you for yrs with very little work. > Now you’re up to $550 a mo. You want to make a little more pick up a 2nd job. Maybe its only 12 hrs a week delivering pizzas but it will Net you an extra $150 a week. Don’t tell me that it will kill your car either. If you drive normally it won’t hurt it and you will still get decent tips if you’re polite and smile. > Now you’re up to 1200 a month clear after paying all your bills. You’re only wooking 65 hrs a week which is more then you’d probably like buy still very manigable and plenty of time to see your family. > Now your saving 14k+ a yr + any interest which is probably not much but could add alittle. > Maybe reward yourself and go buy a $7500 2008ish car from someone like Justin who has the best service after the sale I’ve ever seen. Car will come with a 3 yr warranty too > While you’re at it go spend $1k on some new clothes and another $500 on a little mini vaction for you and the misses. > > You still have $5K left > > After yr 2 you should have $20K dollars now. You spend $5K on a nice second car for the wife. Another $1k on clothes, $2K on a nice little family vacation and another little one for the wife. We’ll even say an extra $1k on something that came up. Remember the cars have warranties for the bigger stuff. Also you sold your other two cars so more profit. $11K left > > Yr 3 you have $25K now 2 nicer cars, everythings paid. I’ll give ya $2K in unexpected bills which not sure what they could be that high for but stuff does happen You have 22K left. > Yr 4 up too 37K. I’ll give ya another $2K for additional expenses. $35K left > > Yr 5 You have $50K now!!! Again I’ll give ya 2k for expenses and since your warranty is up I would sell your car for $3000 and take another $7K and go buy a nice $10K car off Justin again with a nice warranty and paid for cash. Another family trip. Lets say Disney World for a week and couple small weekend getaways with the wife to keep it fresh $3K. You have. $38K left > Yr 6 You now have $53K cash Lets get a house!!! Well wait we have $53 Grand saved we can almost pay cash for one. Well lets not cut it too close lets put $40K down on a nice newly remodeled $80K house. We take out a 15yr loan, our payment is $316 a mo, taxes 200 a mo. , water/sewer $50mo, utilities 300 a mo( anymore and turn the lights off or keep the heat at 68 and if still, you shoul’ve bought a better insulated house!) > Gee we have our own house and our bills only went up 75 a mo!!!Still clearing $14K a yr and if we have to put more then $30K in the house over the next 15 yrs we’re pretty silly. So two of the next 15 yrs of $14K savings will be used for the house. I’ll give ya an extra $56k for misc over the next 15 yrs. 9 yrs left spend another $42 on cars or 2,500 a yr plus you can sell the 2 you have and get something. Take a mega vacation with the $5K. > 6 yrs left or $90K without a penny from interest. Hey, guess what, The house is paid for!!! Now your saving $25K a yr on a $48 K a yr job. I would cut back the 2nd job or $8K a yr so you’re clearing $17K a yr !!! Wifey still isnt working > > Summary. Family of 3 making can live decently on a $40K a yr job. Had Dad Work an extra 12 hrs a week and 6 yrs later have 2 nice cars paid for. A nice home thats half paid for and will be totally paid for in 15yrs going on vacation(s) every year. This was without Dad getting a raise in 6 yrs either but I’ll cough that up match it with inflation. > No one killed themselves, Mom and Child are home safe and sound waiting to see Daddy When He gets home from work in there nice little home. You could not work the extra 12 hrs and it would just take lomger and you would have to be more aggressive. 2nd or third kid would slow it down as well but it is possible and man I just cant believe I typed all this LOL Who the hell would want to live like this? I would bet .0001% of people who make $40,000 a year could ever save up $50,000 with three kids in the house, and not live an incredibly uncomfortable, shitty life. ---
**Author:** ![Joe](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/joe/32/7219_2.png) [@Joe](https://forums.speedlife.net/u/Joe)\ **Post date:** [June 24, 2012, 10:32am UTC](https://forums.speedlife.net/t/bus-monitor-bullied/224041/174 "2012-06-24T10:32:57Z")
That life sounds awful. I need a lot more than that for a good solid period to live the life I want to live long term, WITHOUT kids. ---
**Author:** ![LZ1](https://avatars.discourse-cdn.com/v4/letter/l/7ab992/32.png) [@LZ1](https://forums.speedlife.net/u/LZ1)\ **Post date:** [June 24, 2012, 10:46am UTC](https://forums.speedlife.net/t/bus-monitor-bullied/224041/175 "2012-06-24T10:46:42Z")
:word: The whole debate was it being beneficial to a child having a parent home. I don’t think being poor to have a parent home counts lol To be middle class and have a parent home it really takes 75k+ and that being on the low side ---
**Author:** ![9c1ny](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/9c1ny/32/5050_2.png) [@9c1ny](https://forums.speedlife.net/u/9c1ny)\ **Post date:** [June 24, 2012, 11:20am UTC](https://forums.speedlife.net/t/bus-monitor-bullied/224041/176 "2012-06-24T11:20:44Z")
fuck this old crusty twat, it was her job to keep those little shits in line, not blubber like an idiot when someone calls her names… Not to mention her arrogance , “I don’t want to accept their apoligies” your almost 70!! they are 13! way to be a fucking adult and set an example! How about the guy who got his face eaten off by a bath salt crazed lunatic, doesn’t he deserve a “vacation”??! ---
**Author:** ![Motocrossx23](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/motocrossx23/32/5120_2.png) [@Motocrossx23](https://forums.speedlife.net/u/Motocrossx23)\ **Post date:** [June 24, 2012, 11:49am UTC](https://forums.speedlife.net/t/bus-monitor-bullied/224041/177 "2012-06-24T11:49:53Z")
He did get one, it’s called death. ---
**Author:** ![bing](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/bing/32/7211_2.png) [@bing](https://forums.speedlife.net/u/bing)\ **Post date:** [June 24, 2012, 11:53am UTC](https://forums.speedlife.net/t/bus-monitor-bullied/224041/178 "2012-06-24T11:53:00Z")
wasn’t the guy whose face got eaten also on bath salts? this thread is now about everything that has happened in the media in the month of June, 2012. ---
**Author:** ![Motocrossx23](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/motocrossx23/32/5120_2.png) [@Motocrossx23](https://forums.speedlife.net/u/Motocrossx23)\ **Post date:** [June 24, 2012, 11:55am UTC](https://forums.speedlife.net/t/bus-monitor-bullied/224041/179 "2012-06-24T11:55:35Z")
We should have an official “NYSPEED Trends/Current Issues Thread” Keep updating it with whatever is in the news, post different stories, let people rant and discuss. Thoughts? ---
**Author:** ![9c1ny](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/9c1ny/32/5050_2.png) [@9c1ny](https://forums.speedlife.net/u/9c1ny)\ **Post date:** [June 24, 2012, 1:09pm UTC](https://forums.speedlife.net/t/bus-monitor-bullied/224041/180 "2012-06-24T13:09:22Z")
> [@Motocrossx23](#): > > He did get one, it’s called death. I was talking about the eatee not the eater [Previous page](https://forums.speedlife.net/t/bus-monitor-bullied/224041.md?page=8) [Next page](https://forums.speedlife.net/t/bus-monitor-bullied/224041.md?page=10)