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Old 02-27-2017, 07:11 PM
 
Location: Wasilla, AK
7,301 posts, read 4,171,218 times
Reputation: 15836

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Quote:
Originally Posted by TMKSarah View Post
Most of the subs are either women in their sixties and beyond that need the money or those trying to find a teaching job that also need the money. I know...I worked with these women. Not a lot of men. A few. If you were a teacher and still have your teaching license you can sometimes make a deal outside of the agency. There are not many. Schools say they can't afford them.

I have never met a woman that subbed for pin money. The job is way to tough just for fun money. Especially in Indiana.

The subs are contractors for a well known agency. What the agency gets is another story.
Quote:
Originally Posted by Escort Rider View Post
Interesting. Around here the school districts hire their own substitutes. There is no "agency". It's fascinating how things are done in different areas of the country.
Quote:
Originally Posted by TMKSarah View Post
The schools do not want the subs to have the right to belong to the union. Then they would have to pay benefits. It is almost an old saw now. Outsource out, no benefits. As one poster put it...things have changed over the last 10 years regarding the rules of employment....I see, going forward....a world in the USA of contractors without benefits. Or should I say....no medical care, no company man that puts his/her heart and life into a company....

It is every man/woman for themselves. I get the young people coming out. No loyalty to the company.

Why? Saw their parents get dumped at 55 or so.
Same in Alaska. You apply directly with the school district. Unions are for full time teachers, not subs.
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Old 02-27-2017, 07:13 PM
 
Location: Central IL
15,253 posts, read 8,564,754 times
Reputation: 35698
Quote:
Originally Posted by JOinGA View Post
The point is, many women took time out of the workforce never thinking they would end up divorced. So there they are, personal choice or not, on their own with a very small income in their later years. This thread was about running out of money, right? Well, social security shouldn't run out (unless the Republicans achieve their ultimate wet dream), but it can be quite meagre and difficult to live on when it is all you have. I am sure many of the women who took time off are now thinking shoulda woulda coulda, but that isn't going to change their circumstance.
I would say that husbands are much more vocal with their wives about "your salary hardly covers the cost of childcare so it makes no sense for you to work" than even thinking about how much their wive's social security will suffer, as well as retirement savings. As long as the guy can cover all the payments, no thought is given to future lower earnings, SS, and retirement for her. MAYBE there is a thought about divorce but that's tough to think about when you're raising his/your kids, right?
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Old 02-27-2017, 07:28 PM
 
Location: next up where ever I go
588 posts, read 345,491 times
Reputation: 2087
Quote:
Originally Posted by TMKSarah View Post
I am planning when I run out of money to start panhandling.

I figure I should bring in a whole heck of a lot more than I do now, however there is one caveat.

I will have SO MUCH COMPETITION!

Maybe I should start now. Under the table...you know.


Just stay off MY CORNER! You HEAR THAT!

That's MY CORNER!

Just practicing
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Old 02-27-2017, 08:11 PM
 
Location: Paranoid State
13,047 posts, read 10,463,702 times
Reputation: 15684
Quote:
Originally Posted by reneeh63 View Post
True...as unfair as to expect a working woman to shoulder more than half of the kid/household chores.

For women getting the "privilege" of working a "real" job they also got to keep all their other responsibilities, as well. Women were sold a bill of goods and some are still believing it.
When Mrs. SportyandMisty was about 8 months pregnant, she said she didn't want to go back to work after our child was born. "Yes, dear." She wanted to be a full time stay-at-home mom. "Yes, dear."

Two weeks after our daughter was born, she called me late in the afternoon in tears.

"I changed my mind. I've got to go back to work so I can get some rest!" 😀
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Old 02-27-2017, 08:19 PM
 
2,499 posts, read 6,402,372 times
Reputation: 2257
Kind of funny to read Vision67 post.I came out of same boat,I am 84.
My mother died in 1935 and father died in 1939.There were five of us.
The oldest brother was 18 and graduated from High School in 1939.He served in World War 2.
Our family survived,there was no welfare nor state aid at that time.The state of CT wanted to separate my sister and I,the legal guardian stopped them.
This brother went to college,started a business and died at 93 a millionaire,provided free college education for many.
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Old 02-27-2017, 08:53 PM
 
Location: next up where ever I go
588 posts, read 345,491 times
Reputation: 2087
Quote:
Originally Posted by SportyandMisty View Post
When Mrs. SportyandMisty was about 8 months pregnant, she said she didn't want to go back to work after our child was born. "Yes, dear." She wanted to be a full time stay-at-home mom. "Yes, dear."

Two weeks after our daughter was born, she called me late in the afternoon in tears.

"I changed my mind. I've got to go back to work so I can get some rest!" 😀
I recall having a conversation about the new addition in the family that my friend, a male, whom had already had a child with another wife back when, but she did the taking care of task

he said:

I'm tired. I am exhausted...with this glazed over look in his eyes, I have no one to talk to, he, the child, just wants, wants, wants,

This was just two days and his wife would be back.

BAAHHHHHAAAAAAAAAAAAAA!
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Old 02-27-2017, 09:07 PM
 
13,979 posts, read 7,452,675 times
Reputation: 25549
Quote:
Originally Posted by Coney View Post
It's just not economically practical for many women to return to work after having children, especially when you have more than one child. For many women, the childcare costs can make working an even wash or even cost more than the woman's salary. Some women worked in fields that have rotating shifts or nights/weekends work hours. It's hard to find childcare during "off-hours," although there are some 24 hour daycare centers in some locations (not mine). When you hire a babysitter/nanny, you still need a back-up for when the babysitter can't come. When the children reach school age, maybe it gets easier, but sometimes you still need to hire someone to take and pick up children from school or after-school program. And then there are some people who end up having children with special needs. No one expects that, but it happens. Tough trying to find someone willing to take care of a special needs infant or toddler at $10 per hour.
And this is why the birth rate among bright, educated professional women is so low. There's simply too much opportunity cost. If you're making $10.00/hour in a service sector job, there is little opportunity cost to popping out as many kids as you want.

From a social engineering point of view, it's the opposite of what you'd want. Educated, engaged parents tend to produce children with good economic outcomes. That's who society wants reproducing because their offspring will be the ones driving the economy.
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Old 02-27-2017, 10:17 PM
 
Location: Southwest Washington State
21,955 posts, read 14,435,970 times
Reputation: 30944
Quote:
Originally Posted by TMKSarah View Post
What do you think will happen to the retired population that runs out of money before they die?
Most retired people have Social Security, so they will get by. Social Security is a benefit that they would have paid into for their entire working lives and to which they are fully entitled. If they truly run out of money, they will have to change their lives, but they should be able to live frugal lives.

Most retired people have access to Medicare as well.

Some retired people are in the last group to have pensions as well.
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Old 02-28-2017, 03:16 AM
 
71,819 posts, read 71,919,037 times
Reputation: 49380
Quote:
Originally Posted by TMKSarah View Post
Agreed

I really hate to say it

Women have to say no to taking care of everybody and everything for no MONEY. A life long income from the spouse is a crap shoot and a gamble at best. Freedom is knowing you can and will stand on your own when the Sh@t comes down.
while 80%of married men die married , 80% of married women die alone . plus they live longer .

so they have extra financial demands put on them .the loss of an ss check or pension , having to file single ,etc are all things women as a whole (no pun intended ) run in to .

a life time of bad choice's and poor decision's will just make the outcome that much worse if they allow it to happen to themselves .
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Old 02-28-2017, 04:02 AM
 
5,431 posts, read 3,461,420 times
Reputation: 13714
Quote:
Originally Posted by mathjak107 View Post


a prime example is a single person who is just below the threshold for getting their social security taxed . they can make the mistake unknowingly of taking just 1k extra from an ira and having that extra 1k get hit with an effective marginal tax rate of 47% . that happens because the extra 1k got their ss taxed . poor planning saw almost 1/2 that extra 1k vanish .

. .
How does one avoid the above taxation?
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