Non food groceries covers cleaning supplies,toileteries, any one time purchases like books, online movies,shoes,movie tickets etc.
Eating out for a family of 4 easily costs 60 dollars at a fast casual restaurant. Movies are 12 dollars a ticket.
Also 1000 dollar a month for food is not excessive it works out to 250 per person so 4 dollar per meal per person. Milk is 4$ a gallon. 6 Sausages will cost you 5$. Food is extremely expensive in California say compared to Texas.
Typically by using Costco you can get down to 800 a month but that balances out with eating out once a week to get to 1000 a month.
Even with this budget note there is no extra to put into an emergency fund, save for college or save for a downpayment. The extra classes for kids become a necessity so that they can get a scholarship to college for you wont be able to fund them as you are going paycheque to paycheque . So you cut having vacations,avoid going to the dentist,dont max your 401K so you have money to pay for Piano/Soccer lessons.
For many in the valley who are on work visas the spouse is not allowed to work legally and since software engineers are educated folks with respect for the law the spouse doesn't work illegally. And once you have a kid, the second kid is kind of necessary as an only child grows up to be self centered and spoilt unless you want software engineers to not have kids at all.
Even if the wife did work all her income would be taxed at the highest bracket so the effective taxation on the wifes income would be 50%(FICA+28% Fed+9% California). So a 60000 USD job would fetch 30000 take home so around 2500 a month. 2 kids would cost 2000 in childcare so a net 500 which would get blown in the additional eating out which happens when both parents are working and too tired to cook.
Sample Bay area budget for family of 4 with 1 income
125K a year = 10400 pm -401K 1000 -FICA taxes 900 - Fed Taxes 700 - Health Insurance 600 -CA Taxes/SDI 300
6900 Take Home -3000 Rent for 2 BR Apt -550 Utilities (150 PGE, 125 Water&Garbage,80 Internet, 150 2 Cellphones+Vonage, Netflix+Hulu+Amazon 30 ) -350 Gas, insurance,maintenance,registration for 2 paid off used cars 3000 Flexible income -2000 For Food and non food Groceries for family of 4 including clothes, shoes, school supplies,sports equipment 1000 Disposable income -1000 Paying medical copays/Saving for a downpayment/saving for college/Maxing out 401K/Vacation/Paying down student debt if any etc 0 This is living very frugallly. If you start having coffees and eating out or sending your kids to piano lessons than suddenly 125K is not enough.
Yeah but the curve of technology evolution has a greater slope than that of biological evolution. Soon we will have robots smarter than humans. Then Humans will go the way of horses. Civilization will live on in robotic form.
Yes. They are replaced with 70 years of working at a series of 3 year jobs with no scope of a retirement and you dying while at work. With salaries no longer supporting living and saving for retirement at the same time and job breaks eating up savings and emergency funds retirement is obsolete. Unless you want to move to India in your old age and live on Social Security (India has cheap healthcare which is the main cost for old people)
As robots do more of the productive work we have three options - the ot of work workers eventually revolt and kill the robot owners and destroy the robots, the unemployed get employed in govt as robot safety inspectors, the robot owners are taxed at a very high rate and the amount is used to provide Basic income to most people so they can either work on something which interests them but doesnt pay or they can play video games all day. Currently we seem to be going down the path of option 2 but I like option 3 better. Of course if we are really unlucky it could go option 1.
Use it on international trips and when you come back and CBP wants to spy on your phone tell them its a Note 7 and watch them clear you immediately so they dont have to deal with it. Alternately you can offer to let them keep it in their evidence locker but if it blows up all their evidence not to blame you.
Well probably because he was letting his hot wife sleep with senior management he had a pass. What really needs to be investigated was was the guy pressured into having an open relationship so senior management cold bang his wife and hence thought it OK to bang subordinates.
Because drivers are not their employees. They are vendors who are contracting with Uber to provide services. The engineers are Uber's employees. Just because I hire a cleaning service to clean our office toilets does not make the cleaners my employees and me responsible for their pay. I pay what is in the contract. Its the job of the vendor signing the contract to make sure all laws are followed.
No wonder more and more men are choosing to be gay. And dont tell me people are born Gay or Hetero. Its not digital its Analog. Everyone is somewhere on the scale from 90% hetero to 90% gay. While the 90% hetero guy would never turn to men even after multiple hearbreaks and the 90% gay guy would never turn to a woman even in mediaval Europe (he would just become a monk or priest) there are those who are 60-40 or 40-60. Depending on how hostile society becomes to hetero relationships and accepting of homo relationships more and more people will choose to go the gay way. Its way less complicated (men understand men much better than women). With how hostile Silicon Valley or ManJose has become to men (the lopsided men-women ratio makes dating really difficult) I would say event the 70-30 or 80-20 are temptem to act upon their 30 and 20 natures.
Someone should build a phone which blows up if someone tries to tamper with it. Wait Samsung already built one. Someone should just build a case for phones which makes them look like a Note 7. No CBP agent will try to read it.
Thats like saying Christianity needs to be made illegal as its a communist religion -"From each according to his ability to each according to his need"
Given that he did multi million deals as a CEO pretty sure his phone is more secure than any govt phone Private sector does security beter than the govt
I love that the President uses an unsecured phone. He will care about the privacy of all us normal folks using unsecured phones and rein in the NSA. At least hes not allowing the washington apparatus to put him inside a bubble and neuter him like they did to Obama
India is a capitalist democracy. The 600 million are given a chance to succeed in a free market. If they dont its not the govts job to make sure losers succeed. India is not being run by DOnald Trump.
India has a very active population control program. Condoms, pills and abortions are provided for free by the govt. Most educated people have 1-2 kids and even the villages have stopped having large families. In fact India is not at 2.1 children/woman fecundity so essentially replacement rate though the population will keep growing through 2050 as the large mass of young people have kids but after that it will start falling. The best way to feed the children is by generating jobs for their parents rather than generating lavish lifestyles for NGO employees who spend most of your donations on First class flights and 5 star hotel stays and advertizing.
Also better access to porn. Its proven in multiple studies that countries which watch more porn have lesser sex (the standards become just too high and the real thing is dissapointing). The mobile revolution in India has increased the access to porn so birth rates should be going down soon.
Well most of them are in the US. Outsourcing has affected Indian industrial growth in a bad way. Since IT jobs make so much most civil and mechanical engineers have moved to coding and an entire generation of progress has been lost in India. Banning the H1 would probably help India's development a lot though it would personally suck for those who have to go back.
Most Indian coal plants built since the 80s have Coal Scrubbing Chimneys. This is old tech. Coal plants are not the issue.
The main problem in the cities is vehicular pollution, dust from construction and burning of wood and leaves by homeless people.
The solution to most of these problems is cheaper electricity- Metro trains, electric cars, cheaper electricity=more industry=more jobs= less homeless people, more industry=more taxes=better enforcement of construction norms.
Anything which drives up the price of electricity like the Renewables drivel is worsening the problems.
Greenpeace has killed more people in the last 30 years by slowing down development than died in both World Wars.
If I have to choose between Hitler and the eco-terrrorists I would choose Hitler every time.
Slashdot Mirror
Non food groceries covers cleaning supplies,toileteries, any one time purchases like books, online movies,shoes,movie tickets etc.
Eating out for a family of 4 easily costs 60 dollars at a fast casual restaurant. Movies are 12 dollars a ticket.
Also 1000 dollar a month for food is not excessive it works out to 250 per person so 4 dollar per meal per person. Milk is 4$ a gallon. 6 Sausages will cost you 5$. Food is extremely expensive in California say compared to Texas.
Typically by using Costco you can get down to 800 a month but that balances out with eating out once a week to get to 1000 a month.
Even with this budget note there is no extra to put into an emergency fund, save for college or save for a downpayment. The extra classes for kids become a necessity so that they can get a scholarship to college for you wont be able to fund them as you are going paycheque to paycheque . So you cut having vacations,avoid going to the dentist ,dont max your 401K so you have money to pay for Piano/Soccer lessons.
Nice try about Austin. We Californians are still moving there and let the traffic on Mopac go to shit.
For many in the valley who are on work visas the spouse is not allowed to work legally and since software engineers are educated folks with respect for the law the spouse doesn't work illegally. And once you have a kid, the second kid is kind of necessary as an only child grows up to be self centered and spoilt unless you want software engineers to not have kids at all.
Even if the wife did work all her income would be taxed at the highest bracket so the effective taxation on the wifes income would be 50%(FICA+28% Fed+9% California). So a 60000 USD job would fetch 30000 take home so around 2500 a month. 2 kids would cost 2000 in childcare so a net 500 which would get blown in the additional eating out which happens when both parents are working and too tired to cook.
So a nonworking wife and 2 kids are not a luxury.
Sample Bay area budget for family of 4 with 1 income
125K a year = 10400 pm
-401K 1000
-FICA taxes 900
- Fed Taxes 700
- Health Insurance 600
-CA Taxes/SDI 300
6900 Take Home
-3000 Rent for 2 BR Apt
-550 Utilities (150 PGE, 125 Water&Garbage,80 Internet, 150 2 Cellphones+Vonage, Netflix+Hulu+Amazon 30 )
-350 Gas, insurance,maintenance,registration for 2 paid off used cars
3000 Flexible income
-2000 For Food and non food Groceries for family of 4 including clothes, shoes, school supplies,sports equipment
1000 Disposable income
-1000 Paying medical copays/Saving for a downpayment/saving for college/Maxing out 401K/Vacation/Paying down student debt if any etc
0
This is living very frugallly. If you start having coffees and eating out or sending your kids to piano lessons than suddenly 125K is not enough.
What obvious reason? Racism?
Take a laptop to your meeting and keep coding
So what does a Zombie robot say - CPUs, I want to eat some CPUs!!!
Yeah but the curve of technology evolution has a greater slope than that of biological evolution. Soon we will have robots smarter than humans. Then Humans will go the way of horses. Civilization will live on in robotic form.
Yes. They are replaced with 70 years of working at a series of 3 year jobs with no scope of a retirement and you dying while at work. With salaries no longer supporting living and saving for retirement at the same time and job breaks eating up savings and emergency funds retirement is obsolete. Unless you want to move to India in your old age and live on Social Security (India has cheap healthcare which is the main cost for old people)
As robots do more of the productive work we have three options - the ot of work workers eventually revolt and kill the robot owners and destroy the robots, the unemployed get employed in govt as robot safety inspectors, the robot owners are taxed at a very high rate and the amount is used to provide Basic income to most people so they can either work on something which interests them but doesnt pay or they can play video games all day.
Currently we seem to be going down the path of option 2 but I like option 3 better. Of course if we are really unlucky it could go option 1.
I program Bugs into robots. Greater job security. Robots who try to fix robots cannot even imagine deliberate bugs.
Use it on international trips and when you come back and CBP wants to spy on your phone tell them its a Note 7 and watch them clear you immediately so they dont have to deal with it. Alternately you can offer to let them keep it in their evidence locker but if it blows up all their evidence not to blame you.
Well probably because he was letting his hot wife sleep with senior management he had a pass. What really needs to be investigated was was the guy pressured into having an open relationship so senior management cold bang his wife and hence thought it OK to bang subordinates.
Because drivers are not their employees. They are vendors who are contracting with Uber to provide services. The engineers are Uber's employees. Just because I hire a cleaning service to clean our office toilets does not make the cleaners my employees and me responsible for their pay. I pay what is in the contract. Its the job of the vendor signing the contract to make sure all laws are followed.
No wonder more and more men are choosing to be gay. And dont tell me people are born Gay or Hetero. Its not digital its Analog. Everyone is somewhere on the scale from 90% hetero to 90% gay. While the 90% hetero guy would never turn to men even after multiple hearbreaks and the 90% gay guy would never turn to a woman even in mediaval Europe (he would just become a monk or priest) there are those who are 60-40 or 40-60. Depending on how hostile society becomes to hetero relationships and accepting of homo relationships more and more people will choose to go the gay way. Its way less complicated (men understand men much better than women). With how hostile Silicon Valley or ManJose has become to men (the lopsided men-women ratio makes dating really difficult) I would say event the 70-30 or 80-20 are temptem to act upon their 30 and 20 natures.
Wasnt that what Ahmedijinad say about Israel? Jews are wonderful people but the current regime in Israel is racist and needs to be removed.
It was spun by the media that he said Israel needs to be destroyed.
What makes you think the Trump friendly media like Breitbart and Fox would not spin any such statement into foreign leaders threatening USA?
Someone should build a phone which blows up if someone tries to tamper with it.
Wait Samsung already built one.
Someone should just build a case for phones which makes them look like a Note 7.
No CBP agent will try to read it.
Thats like saying Christianity needs to be made illegal as its a communist religion -"From each according to his ability to each according to his need"
Given that he did multi million deals as a CEO pretty sure his phone is more secure than any govt phone Private sector does security beter than the govt
I love that the President uses an unsecured phone. He will care about the privacy of all us normal folks using unsecured phones and rein in the NSA. At least hes not allowing the washington apparatus to put him inside a bubble and neuter him like they did to Obama
India is a capitalist democracy. The 600 million are given a chance to succeed in a free market. If they dont its not the govts job to make sure losers succeed.
India is not being run by DOnald Trump.
And with this comment you have contributed to junk in cyberspace
India has a very active population control program. Condoms, pills and abortions are provided for free by the govt. Most educated people have 1-2 kids and even the villages have stopped having large families. In fact India is not at 2.1 children/woman fecundity so essentially replacement rate though the population will keep growing through 2050 as the large mass of young people have kids but after that it will start falling. The best way to feed the children is by generating jobs for their parents rather than generating lavish lifestyles for NGO employees who spend most of your donations on First class flights and 5 star hotel stays and advertizing.
Also better access to porn. Its proven in multiple studies that countries which watch more porn have lesser sex (the standards become just too high and the real thing is dissapointing). The mobile revolution in India has increased the access to porn so birth rates should be going down soon.
Well most of them are in the US. Outsourcing has affected Indian industrial growth in a bad way. Since IT jobs make so much most civil and mechanical engineers have moved to coding and an entire generation of progress has been lost in India. Banning the H1 would probably help India's development a lot though it would personally suck for those who have to go back.
Most Indian coal plants built since the 80s have Coal Scrubbing Chimneys. This is old tech. Coal plants are not the issue.
The main problem in the cities is vehicular pollution, dust from construction and burning of wood and leaves by homeless people.
The solution to most of these problems is cheaper electricity- Metro trains, electric cars, cheaper electricity=more industry=more jobs= less homeless people, more industry=more taxes=better enforcement of construction norms.
Anything which drives up the price of electricity like the Renewables drivel is worsening the problems.
Greenpeace has killed more people in the last 30 years by slowing down development than died in both World Wars.
If I have to choose between Hitler and the eco-terrrorists I would choose Hitler every time.