Over 21% of homeowners in SD County have paid off houses

[UCGal]

zzz –
interesting article.
But it’s still possible to save/build equity when single.

I didn’t get married and have kids till my late 30’s. I was already in my second “owned” home at the time. I was able to get some savings on the mortgage burden by having housemates.

Kids are definitely a cost adder. Not so much feeding clothing them, but the costs of college savings, medical coverage, etc. It adds up.

[Coronita]

[quote=zzz]FLU, i agree, i actually dont thnk its my place or anyones to judge what “fair” compensation is, but i’m really tired of listening to entitlement defenses. people arent entitled to pensions. they aren’t entitled to anything. if you are lucky and have a pension, great, i’m happy for them, but don’t argue its because they are “entitled” or worked harder. there are no guarantees in life.[/quote]

I know, but what can you do. I’m sure everyone feels everyone else is overpaid and/or how everyone else should pay more taxes…What can you do?

[bearishgurl]

[quote=AN][quote=bearishgurl]Yes, AN. I am WELL AWARE of what nurses do. HOWEVER, the FT ones got paid and get paid more than twice as much as I did/do.

People who major in nursing want to do this kind of work, no?

From your prior posts, I understand your spouse is a nurse and that she only worked one day a week (or something like that). A part, part-time nurse gig can’t possibly be as stressful as having to show up at a hospital 4-5 days per week on time for an 8-12 hr shift on your feet.[/quote]So, because you want to be a RN, somehow, all of that $hit is OK? So, are you saying you don’t want to do your kind of work?

It has nothing to do with me or my wife. I’m talking about general here. Your diatribe some like whining about things that’s hardly difficult when compare to other professions. I bet 1 day as a nurse is harder on your body than a week at your job. I have much respect for all nurses out there and the kind of $hit they have to deal with, literally.[/quote]

Obviously, people who major in nursing already KNOW what they will be getting into. Why should they complain about the working conditions when they went into the profession with their eyes wide open?

I’m not “whining.” I’m simply stating that workers today have so much better working conditions than workers in decades past. In every way, shape and form …. including many “worker-friendly laws” that boomers didn’t have.

There’s nothing anyone can do about that. Even though these same jobs are much more automated today, 50% of Gen Y’s hired don’t even stay long enough to vest. If they don’t have student loans to pay off, many generally hate it and leave just before or after passing their initial probationary period.

That has been my “anecdotal” experience with hearing about and talking with friends’ and neighbors’ children.

Nurses today (even part-timers) at both Sharp Healthcare and ScrippsHealth can avail themselves of a funds-matching retirement plan (emp contributes 40% and org contributes 60%, I believe).

These are GREAT PLANS!

I’ve been incarcerated in the hospital for a few short visits and have also visited several relatives in ICU for several days at a time. In observing and talking to nurses, the job seemed to me to be prestigious and rewarding to them, especially for those who have many years tenure 🙂

[zzz]

[quote=flu][quote=zzz]FLU, i agree, i actually dont thnk its my place or anyones to judge what “fair” compensation is, but i’m really tired of listening to entitlement defenses. people arent entitled to pensions. they aren’t entitled to anything. if you are lucky and have a pension, great, i’m happy for them, but don’t argue its because they are “entitled” or worked harder. there are no guarantees in life.[/quote]

I know, but what can you do. I’m sure everyone feels everyone else is overpaid and/or how everyone else should pay more taxes…What can you do?[/quote]

thats the thing, i don’t care if someone is overpaid, good for them if they can get it. good for people who have pension. my issue is “entitlement”. its that BG feels entitled and is judging how hard she works compared to others. its irrelevant how hard she worked compared to others, that doesn’t entitle her to anything.

[zzz]

UCG- i’m not saying its not possible, i’m just saying its a heck of a lot easier when you’re dual income, living together to buy 1-5 years out of college. keep in mind that for someone my age, housing was already overpriced 4+ yrs out of college. in nyc, most people out of college don’t make enough in their first 5 years to buy anything or save for a down payment, with roommates or not

[earlyretirement]

[quote=bearishgurl]

I have to laugh at the Piggs’ (primarly Gen Y on this forum who have worked less than a decade and already want to “retire,” lol) opinions on why I don’t deserve my small pension. [/quote]

BG,

I was in no way, shape or form hinting that you somehow didn’t deserve your pension so I hope you didn’t take it that way at all. Absolutely I think that almost most people that are receiving a pension these days probably earned it through lots of years of hard work or service to their employer.

I do partly agree with your point that it is laughable at some Gen Y’s (I’m not referring to anyone on this forum) that want to retire early without many years of hard work. I’ve met several young Gen Y’s that want to get rich with a good idea or the next Iphone App. Sure, that can happen but it’s not likely.

At the same time, I don’t think you can look at some of the Gen X’ers and Y’s and assume they have done no hard work or have it easy. I’m sure some people that I don’t know mistakenly think that I’m some trust fund kid or something. But what they don’t see is many many years of 17 hour days, lots of stress, difficult working environment, etc. The path to early retirement can’t always be assumed that someone had it easy just by looking at their age.

Some of these Gen Y’s or X’s might work in one 24 hour period what a Boomer might have done in 3 normal business days. I guess it just depends on the exact situation. But you have to keep everything relative. Just because someone worked 25-30 years for a company doesn’t necessarily mean they worked as hard or as many hours as someone else working 10-15 years for another company/industry. It’s all relative.

I can almost assure you that my 18 years working since graduating college is going to be more long hard hours working vs. some boomers and probably more stress as well.

[quote=flyer]
Agree, ER. As I mentioned in the response to flu, we’ve pretty much lived a “retirement lifestyle, ” most of our lives, and tried to enjoy life to the max, even as we planned for the future.[/quote]

Absolutely! This is the best way to go, IMHO. You have to have a good balance. I’ve seen and met people that didn’t really live life at all. Some have never left the State they were born and raised. (and it’s perfectly ok if they didn’t like to travel) but some always talked about that exotic trip they were going to take or had magazines stacked up in their house of all the things they planned to do in retirement. Some drove crappy cars around their entire lives, never dined out at a nice place, and were very stingy with money with their kids who could have used it.

Then they die and all of a sudden you hear that they had an estate worth millions and millions. I always kind of laugh in that situation. While I do agree that you should save and prepare for your retirement and older age….. there are lots of people that don’t really “live”.

You said it best flyer.. “enjoy life to the max”. That’s what we do too. I’d rather really enjoy life, travel and see things and go places that I’ve always dreamed. Expose my kids to new cultures, new languages, new cities, new countries, new experiences. Try not to spoil them but to give them things my parents could never give me. That vs. leaving my future grandkids sizable fortunes.

“Enjoy life to the max” like you said. Which if you can afford it means living in a great house in a great area, driving a nice car, traveling to the places you want to go, etc. You only live once.

[quote=UCGal] (Heck, I don’t count my primary home’s equity since I don’t plan to move,sell, or borrow against…. ever. So in my mind it’s kind of like a car… an expense that provides shelter.)[/quote]

That’s exactly right UCGal. I don’t count my primary home’s equity either in my “#”. Although it’s completely paid off, I don’t plan to move, sell it or borrow against it. If I did sell it, I’d buy another place to live in so I look at it like you and just look at it as shelter.

Too many people count their nest egg on the value of their house.

[bearishgurl]

[quote=zzz][quote=bearishgurl].
I have to laugh at the Piggs’ (primarly Gen Y on this forum who have worked less than a decade and already want to “retire,” lol) opinions on why I don’t deserve my small pension. These “workers” are obviously either “working from home” or sitting in the office with their feet up on the desk in private offices with jeans, a t-shirt and flip flops on with a laptop/tablet on their lap, music playing in headphones and Piggington on their taskbar. 🙂 They no doubt have access to free parking, company coffee carts, company gyms, company jogging trails and wide-screens in their company cafeteria serving healthy food, etc. These workers really have no idea what most boomers did all day to earn their pay. Not a clue.

I would compare my “career” (which earned me a small pension) to serving in the military (except for no deployments and 8-5 pm only) :=0

Basically, it was all about proper “face time” and getting ALL your work done before 5:00 pm.[/quote]

BG, I’m sorry, but your list of why you’re entitled to a pension is laughable. The work you did, the expectations at work, um this is life and no it hasn’t changed that much. There are people my age or younger who have to deal with far worse, work much longer hours, in shitty neighborhoods and with little to no perks to speak of. Hardly anyone I know outside of silicon valley or NYC has free gym, free lunch, free anything at work. And if they do, its because they work 15hrs days. No they don’t put in “face time” as you said, they are actually productive.

You really need to get in touch with what’s going on in the world. And stop being so entitled.[/quote]

zzz, I never said those “perks” at your company were “free” (exc maybe the parking, widescreen and “jogging trail”). I said they were “available” to you.

Let me ask you, zzz. Would you rather have a job where you had to “dress up” and have 8 hours of completely accountable “face time” per day (plus commute time) or work at home (for “15hrs days” as you say, lol)

What if you were a parent of infant(s), toddler(s) or small children (maybe your are)?

And I won’t even post the zip codes that I lived in while working in my “cushy” gubment positions. There is no need to here. Why?

Because you wouldn’t even drive thru them, let alone live in them.

Your post describes the badge of youth. Everyone’s got (or had) the same problem.

[Coronita]

meh.. it’s just a blog… 🙂

I’m just kicking time. Because I’m in between software builds… I can’t really trade right now on the equity markets (prices are too high…even so, I am sort of..Watch flu get his ass kicked)…I’ve already looked at sdlookup 92130 and 92126 for today’s inventory…for the sixth time…(still the same, although AN did point out to me a 1/1 that was already ridiculously priced, just went even more ridiculously higher), already checked craigslist for new miata parts (none)…And I’m waiting for my damn escrow papers to get done…..

Man, my to be lender is really anal.. I signed one paper slightly different from the rest, and the lender requires me to resign it, and am going to dispatch a courier to do it….

[bearishgurl]

[quote=flu]meh.. it’s just a blog… 🙂

I’m just kicking time. Because I’m in between software builds… I can’t really trade right now on the equity markets (prices are too high…even so, I am sort of..Watch flu get his ass kicked)…I’ve already looked at sdlookup 92130 and 92126 for today’s inventory…for the sixth time…(still the same, although AN did point out to me a 1/1 that was already ridiculously priced, just went even more ridiculously higher), already checked craigslist for new miata parts (none)…And I’m waiting for my damn escrow papers to get done…..

Man, my to be lender is really anal.. I signed one paper slightly different from the rest, and the lender requires me to resign it, and am going to dispatch a courier to do it….[/quote]

This is just another “on-the-clock” description of a “day in the life of highly-paid Pigg, `flu’.”

Thank you for making my point so eloquently ;=]

[zzz]

BG, reality check, but most people don’t have those perks, free, subsidized or otherwise. And yes, I had to dress up in suits every day for years and years and still do for biz meetings. And yes I know people who were sent home because their top was too low. I and many other colleagues had to put up with sexist remarks, sexual harrassment, getting screamed at by clients, cursed out, 15 hour days, long hours at client meetings or in the office. No I didn’t work from home, yes I had to play politics, pretending to like higher ups, living on planes and extensive travel, had to lift heavy boxes to unpack or pack up booths at trade shows. No its not a descriptor of youth, its called work and corporate America BG…and you know what, I had it better than most because I got paid well to put up with this. But a lot of people actually don’t get paid well to work in much less desirable environments. And no, most people I know don’t wear flip flops to work, nor do they work from home. Lots of people have to drive or commute 30 mins or 2 hours each way. I have friends who work in underserved neighborhoods and get peed and shit on by kids they counsel, hit or bitten by kids, and have to leave their work escorted by security guards because people get shot in the neighborhood all the time.

And these are just the white collar jobs. The blue collar jobs, people I know break their bodies or toil over their jobs for low wages. They don’t make enough to afford health insurance for their family so they live without. Their companies don’t offer retirement contributions, forget pensions. They don’t have nice cars, homes, or anything fancy. They work long hard hours in sometimes shitty or dangerous conditions.

[Coronita]

[quote=bearishgurl][quote=flu]meh.. it’s just a blog… 🙂

I’m just kicking time. Because I’m in between software builds… I can’t really trade right now on the equity markets (prices are too high…even so, I am sort of..Watch flu get his ass kicked)…I’ve already looked at sdlookup 92130 and 92126 for today’s inventory…for the sixth time…(still the same, although AN did point out to me a 1/1 that was already ridiculously priced, just went even more ridiculously higher), already checked craigslist for new miata parts (none)…And I’m waiting for my damn escrow papers to get done…..

Man, my to be lender is really anal.. I signed one paper slightly different from the rest, and the lender requires me to resign it, and am going to dispatch a courier to do it….[/quote]

This is just another “on-the-clock” description of a “day in the life of highly-paid Pigg, `flu’.”

Thank you for making my point so eloquently ;=][/quote]

You forget I’m in conference calls from 9pm to 11:30pm W/Th/Fri in addition to make regular hours…And unlike you, there is no overtime.
Plus i paid my dues at a top ranked college with countless all nighters…and also startups some of which failed and some of which succeeded.

But thanks for proving my point 🙂

You see BG. Here’s the rub.. You really can’t make an argument that I have soo much free time and am overpaid..When you’re on the same blog, posting at the same time, can you ? And plus, I’m exempt. I’m paid to get my job done, whether it’s 1 hr or 14 hrs in one day. If you’re hourly or bill hourly, that’s an entire different story 🙂

[SD Realtor]

FLU get back to work and pay your taxes man! We need to keep those pensions funded.

[bearishgurl]

[quote=zzz]BG, reality check, but most people don’t have those perks, free, subsidized or otherwise. And yes, I had to dress up in suits every day for years and years and still do for biz meetings. And yes I know people who were sent home because their top was too low. I and many other colleagues had to put up with sexist remarks, sexual harrassment, 15 hour days, long hours at client meetings or in the office. No I didn’t work from home, meetings, pretending to like higher ups, living on planes and extensive travel, had to lift heavy boxes to unpack or pack up booths at trade shows. No its not a descriptor of youth, its called work BG…and you know what, I had it better than most because I got paid well to put up with this. But a lot of people actually don’t get paid well to work in much less desirable environments. And no, most people I know don’t wear flip flops to work, nor do they work from home. Lots of people have to drive or commute 30 mins or 2 hours each way. I have friends who work in underserved neighborhoods and get peed and shit on by kids they counsel, hit or bitten by kids, and have to leave their work escorted by security guards because people get shot in the neighborhood all the time.[/quote]

Yes, zzz, we can both agree that …. “…a lot of people actually don’t get paid well to work in much less desirable environments.”

I see from your post that you have been a “road warrior” at least part of your “career.”

I have another couple of questions of you, zzz. Do you have children? And if so, if they are (or when they were) pre-school age, is or was there someone at your home to “mind the store?” Or were your children in FT daycare from infancy?

I am well aware of what CPS and County social workers do. Yes, everything you say about those jobs are true and there is much more.

HOWEVER . . . again, these people MAJOR in social work and nursing in college all the while KNOWING exactly what the job entails.

btw, you must know that County CPS workers and social workers will receive defined benefit pensions when they retire.

Do you think they “deserve” them?

[all]

[quote=bearishgurl]
Not really psychotic … or “poorly managed.” We just did the very best we could with what we had to work with. I think we did a “bang up” job!

The difference between craptcha (a Gen Y?) and a boomer is that the Gen Y thinks a supervisor is “psychotic” when they want face time and want to know what their subordinates are constantly doing. Perhaps this isn’t so important when this stuff can now be done in a cubicle with intranet and and pdf files. But it was VERY important when humans had to physically and properly produce everything and hand-carry it into a courtroom.[/quote]

But also
[quote=bearishgurl]You better give the impression of liking and respecting your supervisor or your life could be made hell really fast . . .[/quote]

So, did you earn your pension by hand-carrying documents or by pretending that you respect your supervisor?

[Coronita]

[quote=SD Realtor]FLU get back to work and pay your taxes man! We need to keep those pensions funded.[/quote]

I’m on my tea break…. Pouring it right down the sink…Over and over again…

[Author]

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