Distribution of Wealth in SD County

[sdcellar]

AN– I attack your example because it’s ludicrous and a poster child for your typical approach. It’s not off by the cable bill, or even childcare. It’s so atypical that it’s meaningless.

We’ve had this discussion countless times, but you generally tend toward the outer bounds. In this case, someone who consistently tucks away a full third of their gross income (and half of the net). Then, even if it can be granted that some extraordinary miser socks it away, you dial it up and say that a typical long term return is 8% like that’s easy to pull off.

Why do you do that? Because if you were to say someone saving $1,000 a month and 4% for 15 years would only have $250K. Certainly not as compelling, but decidely more realistic.

And if your “point” is to demonstrate the power of compound interest and regular contributions, then say it. You “tempering” your crazy numbers by dialing down the contribution, but then suggesting they can still get 8% annually over an even longer period, just increases the ludicrousity.

[sdcellar]

[quote=AN]Only in the context of the scientific method. They are synonymous in colloquial use. But you know that. So, please tell me, are we discussing scientific method here?[/quote]I’d agree in colloquial use, but I wasn’t using them colloquially.

Oddly enough, precision has little bearing on scientific method. If you disagree with me, you can take it up with Galileo or Newton or somebody. Perhaps you meant scientific notation?

Anyway, I thought you would appreciate the distinction, since I have it my head you do something with software, but I guess I was mistaken.

[sdcellar]

[quote=AN]Only in the context of the scientific method. They are synonymous in colloquial use. But you know that. So, please tell me, are we discussing scientific method here?[/quote]I’d agree in colloquial use, but I wasn’t using them colloquially.

Oddly enough, precision has little bearing on scientific method. If you disagree with me, you can take it up with Galileo or Newton or somebody. Perhaps you meant scientific notation?

Anyway, I thought you would appreciate the distinction, since I have it my head you do something with software, but I guess I was mistaken.

[sdcellar]

[quote=AN]Only in the context of the scientific method. They are synonymous in colloquial use. But you know that. So, please tell me, are we discussing scientific method here?[/quote]I’d agree in colloquial use, but I wasn’t using them colloquially.

Oddly enough, precision has little bearing on scientific method. If you disagree with me, you can take it up with Galileo or Newton or somebody. Perhaps you meant scientific notation?

Anyway, I thought you would appreciate the distinction, since I have it my head you do something with software, but I guess I was mistaken.

[sdcellar]

[quote=AN]Only in the context of the scientific method. They are synonymous in colloquial use. But you know that. So, please tell me, are we discussing scientific method here?[/quote]I’d agree in colloquial use, but I wasn’t using them colloquially.

Oddly enough, precision has little bearing on scientific method. If you disagree with me, you can take it up with Galileo or Newton or somebody. Perhaps you meant scientific notation?

Anyway, I thought you would appreciate the distinction, since I have it my head you do something with software, but I guess I was mistaken.

[sdcellar]

[quote=AN]Only in the context of the scientific method. They are synonymous in colloquial use. But you know that. So, please tell me, are we discussing scientific method here?[/quote]I’d agree in colloquial use, but I wasn’t using them colloquially.

Oddly enough, precision has little bearing on scientific method. If you disagree with me, you can take it up with Galileo or Newton or somebody. Perhaps you meant scientific notation?

Anyway, I thought you would appreciate the distinction, since I have it my head you do something with software, but I guess I was mistaken.

[Coronita]

[quote=UCGal][quote=flu]

UCGal…You really should consider shopping on Gymboree online. I’ve been able to find really fashionable stuff that are slightly out of style for less than what you could find on sale at Target. There were these deals for tops and pants that were $6 on gymbo.

Just gotta know where and when to shop…Also, good place for good shoes at discounts are endless.com or zappos.com
usually with free next day shipping, no sales tax, and free return shipping.[/quote]

I do use Zappos. And I only buy sale items at target… $6 is more than the $5 or $3.88 I typically pay for tops/pants for the kids. And they look ok… at least as stylish as their classmates.

Maybe if I had girls I’d be more into it… Girls clothes are cuter. Boys clothes, even from the high end brands, are boring… You have “preppy”, “sporty”, and “surfer” looks… That’s it. And the boys are in grade school – so shorts and t-shirts are the rule.

Plus – I abhor shopping. Seriously- I may be the only female on the planet that would rather get a root canal than go to the mall to shop for clothes and/or accessories. So to invest time in shopping for designer clothing bargains… nope. Designer labels don’t do it for me. I shop 2x year – get enough shorts/jeans/t-shirts to cover their growth spurts, and I’m done.[/quote]

Hijack. I forgot about this thread. Wait.. When can you get shirts/pants for $3.88-$5 @ target? I always thought they were closer to $7-8. I guess I don’t go to brick-and-mortar stores regularly to spot the sales anymore. Is this online?

FWIW dudette, I could care less about the “brand” at this age, but I’d like to be able to wash things a couple of times without it coming apart, and never saw deals like that at the red dot store.

[Coronita]

[quote=UCGal][quote=flu]

UCGal…You really should consider shopping on Gymboree online. I’ve been able to find really fashionable stuff that are slightly out of style for less than what you could find on sale at Target. There were these deals for tops and pants that were $6 on gymbo.

Just gotta know where and when to shop…Also, good place for good shoes at discounts are endless.com or zappos.com
usually with free next day shipping, no sales tax, and free return shipping.[/quote]

I do use Zappos. And I only buy sale items at target… $6 is more than the $5 or $3.88 I typically pay for tops/pants for the kids. And they look ok… at least as stylish as their classmates.

Maybe if I had girls I’d be more into it… Girls clothes are cuter. Boys clothes, even from the high end brands, are boring… You have “preppy”, “sporty”, and “surfer” looks… That’s it. And the boys are in grade school – so shorts and t-shirts are the rule.

Plus – I abhor shopping. Seriously- I may be the only female on the planet that would rather get a root canal than go to the mall to shop for clothes and/or accessories. So to invest time in shopping for designer clothing bargains… nope. Designer labels don’t do it for me. I shop 2x year – get enough shorts/jeans/t-shirts to cover their growth spurts, and I’m done.[/quote]

Hijack. I forgot about this thread. Wait.. When can you get shirts/pants for $3.88-$5 @ target? I always thought they were closer to $7-8. I guess I don’t go to brick-and-mortar stores regularly to spot the sales anymore. Is this online?

FWIW dudette, I could care less about the “brand” at this age, but I’d like to be able to wash things a couple of times without it coming apart, and never saw deals like that at the red dot store.

[Coronita]

[quote=UCGal][quote=flu]

UCGal…You really should consider shopping on Gymboree online. I’ve been able to find really fashionable stuff that are slightly out of style for less than what you could find on sale at Target. There were these deals for tops and pants that were $6 on gymbo.

Just gotta know where and when to shop…Also, good place for good shoes at discounts are endless.com or zappos.com
usually with free next day shipping, no sales tax, and free return shipping.[/quote]

I do use Zappos. And I only buy sale items at target… $6 is more than the $5 or $3.88 I typically pay for tops/pants for the kids. And they look ok… at least as stylish as their classmates.

Maybe if I had girls I’d be more into it… Girls clothes are cuter. Boys clothes, even from the high end brands, are boring… You have “preppy”, “sporty”, and “surfer” looks… That’s it. And the boys are in grade school – so shorts and t-shirts are the rule.

Plus – I abhor shopping. Seriously- I may be the only female on the planet that would rather get a root canal than go to the mall to shop for clothes and/or accessories. So to invest time in shopping for designer clothing bargains… nope. Designer labels don’t do it for me. I shop 2x year – get enough shorts/jeans/t-shirts to cover their growth spurts, and I’m done.[/quote]

Hijack. I forgot about this thread. Wait.. When can you get shirts/pants for $3.88-$5 @ target? I always thought they were closer to $7-8. I guess I don’t go to brick-and-mortar stores regularly to spot the sales anymore. Is this online?

FWIW dudette, I could care less about the “brand” at this age, but I’d like to be able to wash things a couple of times without it coming apart, and never saw deals like that at the red dot store.

[Coronita]

[quote=UCGal][quote=flu]

UCGal…You really should consider shopping on Gymboree online. I’ve been able to find really fashionable stuff that are slightly out of style for less than what you could find on sale at Target. There were these deals for tops and pants that were $6 on gymbo.

Just gotta know where and when to shop…Also, good place for good shoes at discounts are endless.com or zappos.com
usually with free next day shipping, no sales tax, and free return shipping.[/quote]

I do use Zappos. And I only buy sale items at target… $6 is more than the $5 or $3.88 I typically pay for tops/pants for the kids. And they look ok… at least as stylish as their classmates.

Maybe if I had girls I’d be more into it… Girls clothes are cuter. Boys clothes, even from the high end brands, are boring… You have “preppy”, “sporty”, and “surfer” looks… That’s it. And the boys are in grade school – so shorts and t-shirts are the rule.

Plus – I abhor shopping. Seriously- I may be the only female on the planet that would rather get a root canal than go to the mall to shop for clothes and/or accessories. So to invest time in shopping for designer clothing bargains… nope. Designer labels don’t do it for me. I shop 2x year – get enough shorts/jeans/t-shirts to cover their growth spurts, and I’m done.[/quote]

Hijack. I forgot about this thread. Wait.. When can you get shirts/pants for $3.88-$5 @ target? I always thought they were closer to $7-8. I guess I don’t go to brick-and-mortar stores regularly to spot the sales anymore. Is this online?

FWIW dudette, I could care less about the “brand” at this age, but I’d like to be able to wash things a couple of times without it coming apart, and never saw deals like that at the red dot store.

[Coronita]

[quote=UCGal][quote=flu]

UCGal…You really should consider shopping on Gymboree online. I’ve been able to find really fashionable stuff that are slightly out of style for less than what you could find on sale at Target. There were these deals for tops and pants that were $6 on gymbo.

Just gotta know where and when to shop…Also, good place for good shoes at discounts are endless.com or zappos.com
usually with free next day shipping, no sales tax, and free return shipping.[/quote]

I do use Zappos. And I only buy sale items at target… $6 is more than the $5 or $3.88 I typically pay for tops/pants for the kids. And they look ok… at least as stylish as their classmates.

Maybe if I had girls I’d be more into it… Girls clothes are cuter. Boys clothes, even from the high end brands, are boring… You have “preppy”, “sporty”, and “surfer” looks… That’s it. And the boys are in grade school – so shorts and t-shirts are the rule.

Plus – I abhor shopping. Seriously- I may be the only female on the planet that would rather get a root canal than go to the mall to shop for clothes and/or accessories. So to invest time in shopping for designer clothing bargains… nope. Designer labels don’t do it for me. I shop 2x year – get enough shorts/jeans/t-shirts to cover their growth spurts, and I’m done.[/quote]

Hijack. I forgot about this thread. Wait.. When can you get shirts/pants for $3.88-$5 @ target? I always thought they were closer to $7-8. I guess I don’t go to brick-and-mortar stores regularly to spot the sales anymore. Is this online?

FWIW dudette, I could care less about the “brand” at this age, but I’d like to be able to wash things a couple of times without it coming apart, and never saw deals like that at the red dot store.

[Coronita]

[quote=Scarlett]

[quote=AN]Are you disputing that it’s possible to save $4k/month for a HH that make $150k/yr?[/quote]

Impossible? No. But HIGHLY IMPROBABLE. that’s why we are saying it’s not realistic. Spending the best part of your life living like a miser and pinching pennies is not many’s idea of living.

[/quote]

Probably, not so much in this country for most people. Probably CAN be done, but given the U.S. savings rate, well never mind.

[Coronita]

[quote=Scarlett]

[quote=AN]Are you disputing that it’s possible to save $4k/month for a HH that make $150k/yr?[/quote]

Impossible? No. But HIGHLY IMPROBABLE. that’s why we are saying it’s not realistic. Spending the best part of your life living like a miser and pinching pennies is not many’s idea of living.

[/quote]

Probably, not so much in this country for most people. Probably CAN be done, but given the U.S. savings rate, well never mind.

[Coronita]

[quote=Scarlett]

[quote=AN]Are you disputing that it’s possible to save $4k/month for a HH that make $150k/yr?[/quote]

Impossible? No. But HIGHLY IMPROBABLE. that’s why we are saying it’s not realistic. Spending the best part of your life living like a miser and pinching pennies is not many’s idea of living.

[/quote]

Probably, not so much in this country for most people. Probably CAN be done, but given the U.S. savings rate, well never mind.

[Coronita]

[quote=Scarlett]

[quote=AN]Are you disputing that it’s possible to save $4k/month for a HH that make $150k/yr?[/quote]

Impossible? No. But HIGHLY IMPROBABLE. that’s why we are saying it’s not realistic. Spending the best part of your life living like a miser and pinching pennies is not many’s idea of living.

[/quote]

Probably, not so much in this country for most people. Probably CAN be done, but given the U.S. savings rate, well never mind.

[Author]

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