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Post by Nonniedee on Apr 26, 2018 9:07:35 GMT -6
The federal government sets the poverty level, so... The poverty level in rural BFE and the level in NYC should not be the same. TELL ME ABOUT IT |
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Post by angelashly on Apr 26, 2018 9:07:58 GMT -6
It is something I talk about often with SO. He hates talking about death etc, but right now his mom would get everything including our house since we are not married and our daughter is obviously too young. We don't share finances in the bank sense so my money would not be a problem with separating, but the rest yes. He likes to see the best in his mom and she always acts like she would turn everything over to me, but she loves money and she has different religious beliefs that make me worry for him/us if he is in the hospital ever. He can make a will, health care proxy Yeah I have been pushing that more now |
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Post by sheilathetank on Apr 26, 2018 9:08:11 GMT -6
But with the amount that CT grad schools cost, since teachers need a Masters, and COL here, that is really not that much. At all. |
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Post by yoginikiki on Apr 26, 2018 9:08:11 GMT -6
Maybe I need him to teach K instead of HS lol
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piratecat
Diamond
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Post by piratecat on Apr 26, 2018 9:08:24 GMT -6
UO: spousal benefits are one of the main reasons I head tilt people who live together, Have joint finances and/or children but aren’t married. I feel like so you but that’s something I feel is setting your self up for headache and heartbreak when someone dies and those family swoops in and take everything. It is something I talk about often with SO. He hates talking about death etc, but right now his mom would get everything including our house since we are not married and our daughter is obviously too young. We don't share finances in the bank sense so my money would not be a problem with separating, but the rest yes. He likes to see the best in his mom and she always acts like she would turn everything over to me, but she loves money and she has different religious beliefs that make me worry for him/us if he is in the hospital ever. Is domestic partnership an option in your state? In my state, domestic partnership affords you many of the same rights as marriage, including inheritance, I believe. And it is very easy to register. Even if you intend to get married some day, it could be a good option in the meantime. |
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5280
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Post by 5280 on Apr 26, 2018 9:08:26 GMT -6
UO: spousal benefits are one of the main reasons I head tilt people who live together, Have joint finances and/or children but aren’t married. I feel like so you but that’s something I feel is setting your self up for headache and heartbreak when someone dies and those family swoops in and take everything. Being married can bite you in the ass when it comes to Medicare and Medicaid. One of my parents friends had to burn through their entire life savings when her husband got sick. Her financial advisor advised her to get divorced, but she didn’t want too and now has effectively no savings. |
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emma
Ruby
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Post by emma on Apr 26, 2018 9:08:28 GMT -6
Sounds like an UO around here - but I don't want to go to work and have nothing to do. That would make the days drag on and shit. It is the worst |
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Post by spicysalmonroll on Apr 26, 2018 9:08:53 GMT -6
Westchester County, CT is like the richest and google is telling me their average public school salary is 95k
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gimmeaQ
Opal
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Post by gimmeaQ on Apr 26, 2018 9:08:58 GMT -6
Wait, are we talking about the MAXIMUM for a teacher who has worked 30+ years being $100,000?? Because, that's not nearly as impressive as what was implied, which I thought was that the younger teachers started anywhere near that.
To be clear, my teacher husband will never make $100K, but it's less insane that I previously thought. Especially for a HCOL/VHCOL
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emma
Ruby
Posts: 18,832
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Post by emma on Apr 26, 2018 9:10:11 GMT -6
UO - managers should have to go through personality training to learn about how to interact with their team members better Ours do. They have the test results from their employees (we filled them out when we started) and she said they are frighteningly accurate, and it gives pointers on how to deal with the different personalities. My last company did and it was enlightening. My current manager is an asshole who thinks anyone that isn’t like him is lazy and incompetent |
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Post by Deleted on Apr 26, 2018 9:10:31 GMT -6
UO: spousal benefits are one of the main reasons I head tilt people who live together, Have joint finances and/or children but aren’t married. I feel like so you but that’s something I feel is setting your self up for headache and heartbreak when someone dies and those family swoops in and take everything. Being married can bite you in the ass when it comes to Medicare and Medicaid. One of my parents friends had to burn through their entire life savings when her husband got sick. Her financial advisor advised her to get divorced, but she didn’t want too and now has effectively no savings. I think the pros outweigh the cons though in the grand scheme of things.
But yeah shit like this example shows how broken the system is sometimes.
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Post by GhoatMonket on Apr 26, 2018 9:11:27 GMT -6
Connecticut is also home to some of the most bougie private schools in the country, so frankly those salaries are a separate discussion than public school salaries. You will never convince me, until I see the contract, that a freaking kindergarten teacher in Bridgeport is making anywhere near $100,000. I lived and grew up in probably Top 3 snobbiest towns in all of Connecticut, went to public school there the entire time, and I can tell you our teachers didn't live in the town and were not rolling in money. I would also see someone getting a Mercedes (maybe rebuilt or managed to get it at an auction) in order to fit in with the bougie crowd. |
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pobre
Ruby
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Post by pobre on Apr 26, 2018 9:11:35 GMT -6
Even if you’re married, you should have a will. Basic adulting 101.
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Post by misskilljoy on Apr 26, 2018 9:11:46 GMT -6
Wait, are we talking about the MAXIMUM for a teacher who has worked 30+ years being $100,000?? Because, that's not nearly as impressive as what was implied, which I thought was that the younger teachers started anywhere near that. Well, we're still waiting to hear about this magical land where starting salary for teachers is $100K, but I wouldn't hold your breath. |
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Post by angelashly on Apr 26, 2018 9:11:58 GMT -6
It is something I talk about often with SO. He hates talking about death etc, but right now his mom would get everything including our house since we are not married and our daughter is obviously too young. We don't share finances in the bank sense so my money would not be a problem with separating, but the rest yes. He likes to see the best in his mom and she always acts like she would turn everything over to me, but she loves money and she has different religious beliefs that make me worry for him/us if he is in the hospital ever. I would walk over this. It’s not ok. You need to prioritize getting this legally corrected or save like mad and assume you are on your own. Maybe your state has common law policies that are protecting you though? Nope I've looked. I have looked into survivor benefits for the child if under 18 and I should be able to still get them for her if something happened and honestly if she wanted our house I would be fine with it because it is not where I would choose to live and I luckily have family that would help me out at first, but yes I basically work as if I would be on my own if something happened. To be fair and honest we don't have a lot so it isn't like he is sitting on a pile of money that she will get or anything and I am the beneficiary on the small life insurance through his work so I wouldn't walk away completely broke, but it is the principal of things. |
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brux
Diamond
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Post by brux on Apr 26, 2018 9:12:16 GMT -6
Average salary does not equal starting salaries.
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wasabi
Moderator 
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Post by wasabi on Apr 26, 2018 9:12:23 GMT -6
I love popping in to the UO and immediately wanting to breathe into a paper bag
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rachydc
Sapphire
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Post by rachydc on Apr 26, 2018 9:13:08 GMT -6
Please tell me where you live so I can move there. I'm 7 years in on a teaching career and just cracked the 40k mark this year. We live in CT. My daughters K teacher drives a Mercedes. SIL in NJ makes a ton being a teacher, even starting out. SIL in MD doesnt make as much, but I'd assume from what she tells us, around $50k to start |
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Post by spicysalmonroll on Apr 26, 2018 9:13:44 GMT -6
Westchester County, CT is like the richest and google is telling me their average public school salary is 95k Westchester Country is in New York. Fairfield County is in Connecticut right across the border. oh yea you're totally right, my bad!! |
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brux
Diamond
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Post by brux on Apr 26, 2018 9:13:57 GMT -6
There are issues I have with the compensation and employment structure in education, but salaries are not one of them.
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gimmeaQ
Opal
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Post by gimmeaQ on Apr 26, 2018 9:14:39 GMT -6
Wait, are we talking about the MAXIMUM for a teacher who has worked 30+ years being $100,000?? Because, that's not nearly as impressive as what was implied, which I thought was that the younger teachers started anywhere near that. Well, we're still waiting to hear about this magical land where starting salary for teachers is $100K, but I wouldn't hold your breath. |
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Post by angelashly on Apr 26, 2018 9:14:45 GMT -6
It is something I talk about often with SO. He hates talking about death etc, but right now his mom would get everything including our house since we are not married and our daughter is obviously too young. We don't share finances in the bank sense so my money would not be a problem with separating, but the rest yes. He likes to see the best in his mom and she always acts like she would turn everything over to me, but she loves money and she has different religious beliefs that make me worry for him/us if he is in the hospital ever. Let me be frank: if his first priority isn’t securing you and his kid? That’s a big mother fucking issue. Money brings out the nastiest sides of people. His mother will say all she can to keep to status quo but fuck her niceness. He either needs a will ASAPually or y’all get married. I can’t understand not wanting to talk about provisions for loved one. Tell homeboy we all die but he needs to secure you and yours. Yes it is our biggest argument to date. |
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Post by sheilathetank on Apr 26, 2018 9:15:17 GMT -6
Westchester County, CT is like the richest and google is telling me their average public school salary is 95k I would assume the richest would be Fairfield seeing that a lot of people live there and commute into the city and make $$$$$$$ So many obscenely bougie houses in Wilton, Westport, Norwolk, Greenwich |
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rvasc
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Post by rvasc on Apr 26, 2018 9:15:25 GMT -6
pensions are an antiquated construct and will go away. It's an insane level of entitlement to assume that a company should continue to pay you just because you used to work there and don't anymore. It's the weirdest thing. My uncle has an absolutely insane pension and while I love him to death, it's undeserved and a relic of a bygone era. I disagree. It was a different social contract. People stayed forever, didn’t take huge bonuses or large salary increases, and dealt with the bad times. The deal was you were there forever. Also, why should shareholders take all the value and then leave the taxpayers footing the bill for this stuff? Our culture thinks it’s ok for a few people to take all the rewards while everyone else kicks rocks. It’s awful. This is interesting. My pension is through my denomination, and this is still pretty true. They expect you’ll stick it out, pay you fairly but not excessively, and then take care of you when you’re old. But I’m not hanging my retirement hat on the solvency of a church. |
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Post by thankfully on Apr 26, 2018 9:16:15 GMT -6
It is easy to look up the town teacher salary schedule and verify this. In my non-gold coast CT town starting teachers earn around 47k, and the top tier (requiring training equivalent to a doctoral degree) can earn up to 96k with many years of experience under their belts. It would be realllllly tight living on that starting single salary here without a second earner in the household.
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jorkzy
Emerald
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Post by jorkzy on Apr 26, 2018 9:16:22 GMT -6
I would walk over this. It’s not ok. You need to prioritize getting this legally corrected or save like mad and assume you are on your own. Maybe your state has common law policies that are protecting you though? Nope I've looked. I have looked into survivor benefits for the child if under 18 and I should be able to still get them for her if something happened and honestly if she wanted our house I would be fine with it because it is not where I would choose to live and I luckily have family that would help me out at first, but yes I basically work as if I would be on my own if something happened. To be fair and honest we don't have a lot so it isn't like he is sitting on a pile of money that she will get or anything and I am the beneficiary on the small life insurance through his work so I wouldn't walk away completely broke, but it is the principal of things. You're ok with losing your house, hypothetically? I... would not be, even if I hated it. What about any equity that's built up? It's not like she would buy you out. |
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Post by GhoatMonket on Apr 26, 2018 9:18:19 GMT -6
Nope I've looked. I have looked into survivor benefits for the child if under 18 and I should be able to still get them for her if something happened and honestly if she wanted our house I would be fine with it because it is not where I would choose to live and I luckily have family that would help me out at first, but yes I basically work as if I would be on my own if something happened. To be fair and honest we don't have a lot so it isn't like he is sitting on a pile of money that she will get or anything and I am the beneficiary on the small life insurance through his work so I wouldn't walk away completely broke, but it is the principal of things. You're ok with losing your house, hypothetically? I... would not be, even if I hated it. What about any equity that's built up? It's not like she would buy you out. And likely the life insurance will get any final costs taken out of it for burial/cremation services before it is disbursed, so his mom will likely balk on any of that. That would end with the small life insurance policy going toward final costs and then losing one's house and getting nothing for it. That is not a good outcome. |
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Post by misskilljoy on Apr 26, 2018 9:18:46 GMT -6
Yes it is our biggest argument to date. I would walk. Like bounce out. Peaches out. Throw my deuces up. Because your kid? That’s priority. You? Priority? His mama? Fuck her. And Id side eye the fuck out of my SO if we wasn’t jam right click click Click clack on that. I said what I said. I'm trying to even imagine my partner saying it's all going to his mom. Especially after kids. I do not think that conversation would go well for him. |
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brux
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Post by brux on Apr 26, 2018 9:19:05 GMT -6
Yes it is our biggest argument to date. I would walk. Like bounce out. Peaches out. Throw my deuces up. Because your kid? That’s priority. You? Priority? His mama? Fuck her. And Id side eye the fuck out of my SO if we wasn’t jam right click click Click clack on that. I said what I said. this but also I know it's hard to talk money and death, angelashly. But I would work towards either getting married or getting some property agreements and wills/health care directives in place no matter what. Tell your SO it's very important to you. Look for a third party to help you guys navigate and mediate sticky situations. Your SO is a good guy, so he really should step up tot he plate if you communicate how important this is to you and DD. |
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Post by lucilleaustero on Apr 26, 2018 9:19:40 GMT -6
I live in an area that is ranked #1 in teacher's salaries int he country by US News and World Report. We start around 68k and end at around 130k. I have a hard time believing that public school teachers anywhere start at 100k.
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