what are y'all saving from the wild to deal with coming crisis?

[trumpeting_angel]

An interesting article on surviving a global crisis; it's funny in parts. #1 is about banding together as a community, even creating an internet communication system in your neighborhood. It's a thought-provoking read.

https://www.theguardian.com/technology/2016/feb/10/how-to-survive-a-global-disaster-handy-guide

[This post is not intended to start a big argument. Friendly discussion on the topics invited.]

 

[Wee Farmer Sarah]

At a very high income level, the fee for Part B goes up. I remember something over $300K MAGI.

I think the threshold for that is closer to $75K per year.

 

[HenOnAJuneBug]

Where did you get that from?

I don't remember, but this will do:

"... it’s often a lot cheaper to ship recyclable materials from the United States to China than to transport the same materials by road or rail even a short distance domestically.

Because of our huge trade deficit with China, a large number of container ships transport consumer goods from China to American ports. But there is almost nothing to return on the empty ships, so shipping companies offer major discounts on return runs to China. This benefits our recycling industry immensely."

https://www.forbes.com/sites/jamesc...o-longer-take-our-recycled-junk/#4b56d0d32122

 

[trumpeting_angel]

Aha! I figured out why we have different numbers.

I think the threshold for that is closer to $75K per year.

SSA publishes a booklet that explains all about it. Of course, it's more complicated than you or I thought! It's much easier to read (in a nice little chart) in the booklet, which is https://www.ssa.gov/pubs/EN-05-10536.pdf

Essentially, as you make more (Modified Adjusted Gross Income), you pay more, after $85,000. As you make a lot more, you pay a LOT more.

The standard Part B premium for 2019 is $135.50. If you’re single and filed an individual tax return, or married and filed a joint tax return, the following chart applies to you:

Modified Adjusted Gross Income (MAGI)

Part B monthly premium amount

Prescription drug coverage monthly premium amount

Individuals with a MAGI of $85,000 or less

Married couples with a MAGI of $170,000 or less

2019 standard premium= $135.50

Your plan premium

Individuals with a MAGI above $85,000 up to $107,000

Married couples with a MAGI above $170,000 up to $214,000

Standard premium + $54.10

Your plan premium + $12.40

Individuals with a MAGI above $107,000 up to $133,500

Married couples with a MAGI above $214,000 up to $267,000

Standard premium + $135.40

Your plan premium + $31.90

Individuals with a MAGI above $133,500 up to $160,000

Married couples with a MAGI above $267,000 up to $320,000

Standard premium + $216.70

Your plan premium + $51.40

Modified Adjusted Gross Income (MAGI)

Part B monthly premium amount

Prescription drug coverage monthly premium amount

Individuals with a MAGI above $160,000 up to $500,000

Married couples with a MAGI above $320,000 up to $750,000

Standard premium + $297.90

Your plan premium + $70.90

Individuals with a MAGI equal to or above $500,000

Married couples with a MAGI equal to or above $750,000

Standard premium + $325.00

Your plan premium + $77.40

If you’re married and lived with your spouse at some time during the taxable year, but filed a separate tax return, the following chart applies to you:

Modified Adjusted Gross Income (MAGI)

Part B monthly premium amount

Prescription drug coverage monthly premium amount

Individuals with a MAGI of $85,000 or less

2019 standard premium= $135.50

Your plan premium

Individuals with a MAGI above $85,000 up to $415,000

Standard premium + $297.90

Your plan premium + $70.90

Individuals with a MAGI equal to or above $415,000

Standard premium + $325.00

Your plan premium + $77.40


Maybe I shouldn't have copied all that. It's impossible to make sense of without looking at the chart. </end dumb Medicare premiums>

 

[Mimi13]

I don’t know any kids promised “a full ride” unless they were athletes.

And not all athletic scholarships provide a full ride. There are many, many academic scholarships, not to mention Fine Arts scholarships. I’m not going to provide links to anything because my kids are grown now and I’m not fond of doing internet research, but high school counselors should be able to help. My family went to school in Georgia and benefited from the HOPE scholarship. It paid well for public schooling, but also provided some assistance for those attending private post secondary schools.

 

[Attila the Hen]

Dear Kids and Parents,


Do not believe this poster who claims a liberal arts degree is a waste of money.

This is simply not true.

The idea that the degree has to match your career or you wasted your money is demonstrably false.

Many positions require a person with a college degree and have no requirement as to the field of study.

Moreover, the college degree itself is a step on the path to making more money over the entire career path, regardless of the major.



Look up the material for yourself. There are a ton of FACTS out there. Do not listen to a single person's story to determine important facts. A short, interesting story about a single person is an anecdote. Seek out the facts from large reliable pools of information.



An undergrad degree is very valuable in any major.



[this is supposed to be a calculator to figure the difference]

https://www.calcxml.com/calculators/...n?skn=#results

It may surprise you that, on average, an individual with a bachelor's degree earns approximately $66,872 per year, compared to the $37,076 average yearly salary of a worker with a high school diploma. Use this calculator to see the value of a college education.

Source: Bureau of Labor Statistics, 2018.

https://www.aacu.org/sites/default/f...EAP/nchems.pdf

see, e.g.
http://time.com/3964415/ceo-degree-liberal-arts/

see, also:

According to the Bureau of Labor Statistics for 2016, people with these degrees experienced the following unemployment rates:

5.2 percent with a high school diploma
2.7 percent with a bachelor's degree
2.4 percent with a master's degree
1.6 percent with a doctorate or professional degree





A person with a 4 yr degree will make a lot more than a person without one, on average.
https://www.bls.gov/careeroutlook/20...ation-pays.htm

"A key reason why a degree remains a relatively valuable asset despite rising tuition is that the wages of those Americans without a degree have been falling, keeping the college wage premium near an alltime high, according to the report. Between 1970 and 2013, workers with a bachelor’s degree (excluding those who went on to a postgraduate degree) had annual earnings of about $64,500 after adjustment for inflation. Workers with an associate’s degree earned an adjusted $50,000 per year, and those with only a high school diploma earned $41,000. The authors calculate that, over four decades, workers with a bachelor’s degree earned on average 56 percent more and workers with an associate’s degree averaged 21 percent more than high school graduates.

Assuming that all workers retire at age 65 and that those who went to college spent 4 years in school to earn a bachelor’s degree or 2 years for an associate’s degree, workers with a bachelor’s degree earn well over $1 million more than high school graduates during their working lives. Workers with an associate’s degree earn about $325,000 more than high school graduates."
https://www.bls.gov/opub/mlr/2014/be...l-worth-it.htm



"The average student loan debt last year for graduates of four-year colleges who took out loans was $28,650, according to the latest version of an annual report from the Institute for College Access and Success (TICAS). The average amount was up $300, or 1 percent, from 2016."
https://www.insidehighered.com/quick...colleges-28650


"Experts predict that the future job market will require a significant increase in skilled workers. According to the Georgetown Center on Education and the Workforce, by 2020, 65 percent of all jobs in the American economy will require education beyond high school. However, the U.S. Census estimates that just 33 percent of American adults currently possess a bachelor’s degree or more."
https://www.cnbc.com/2018/02/15/here...-graduate.html


So go out there and get a degree in the field you love. It will pay off. you will learn how to learn, and you will be having a great time doing it.

I couldn’t agree more. You cited reliable sources used by business everywhere—the bureau of labor statistics.
I got my MA in applied anthropology. My degree demonstrated that I could write and communicate even if I couldn’t use it directly in my work every day. Communicating effectively is very valuable.

 

[ocap]

I couldn’t agree more. You cited reliable sources used by business everywhere—the bureau of labor statistics.
I got my MA in applied anthropology. My degree demonstrated that I could write and communicate even if I couldn’t use it directly in my work every day. Communicating effectively is very valuable.

Do you think we are communicating effectively on this thread?

 

[Stiletto]

I don't remember, but this will do:

"... it’s often a lot cheaper to ship recyclable materials from the United States to China than to transport the same materials by road or rail even a short distance domestically.

Because of our huge trade deficit with China, a large number of container ships transport consumer goods from China to American ports. But there is almost nothing to return on the empty ships, so shipping companies offer major discounts on return runs to China. This benefits our recycling industry immensely."

https://www.forbes.com/sites/jamesc...o-longer-take-our-recycled-junk/#4b56d0d32122

No... The article you reference does not back your assertion that:

They didn't do that for environmental reasons.

or that:

For some reason the economics changed.

Quite the contrary; the first paragraph of the article you quoted from and linked says:

"Beijing notified the World Trade Organization in July that it planned to ban imports of 24 varieties of solid waste, including types of plastic and unsorted paper commonly sent from the United States. The reason given was environmental protection: Large amounts of dirty and hazardous constituents are often mixed with these materials, which can lead to serious environmental pollution."

and

"The Chinese ban is part of a broader customs program called Operation Green Fence, which endeavors to reduce imports of contaminated materials into the country."

 

[perchie.girl]

Ok I will enter the thread devolution

Son has a Bachelor Degree of arts in Geology and a minor in English from San Diego State All on Grants... Right now hes working in Customer Service for the USS Midway Museum.

Its a given for every thousand dollars per year you search for a Job it takes one month of job search. After he finished school he was burned out somewhat so he didnt really start his job search till now.

His degree is a Bachelors of Arts in Geology.... That and his English skills will directly allow him to write Documents and Articles and proposals.... His skills in science will get him the job he wants....

Oh he can do the math is first love was Astronomy.... he was taking classes even the Math majors were washing out from. He worked on the Kepplar array searching data for Exo planets.... Then one Grad student gave him a ration over something and he had a nervous break down. And switched his credits over to Geology... a second love.

When a Cousin who has PHDS in both Math and Computer science criticized me for Allowing him to go for an Astronomy major.... She was at one time an analyst that advised the Joint Chiefs on computer warfare....

I told her.... Hes going on his own ticket... its his life I wont interfere except to encourage. But there is one thing you need to know.... He is going to come away with very marketable skills weather or not he gets into Astronomy.

But If he decides he wants to go further in Customer Service within the museum system I will be happy and proud that he will be doing something he loves.

YOu see you spend a third of your life working at something Why not enjoy it as well.

Oh an for what its worth The Midway Museum is not run by the government.

deb

 

[Wee Farmer Sarah]

Dear Kids and Parents,


Do not believe this poster who claims a liberal arts degree is a waste of money.

This is simply not true.

The idea that the degree has to match your career or you wasted your money is demonstrably false.

Many positions require a person with a college degree and have no requirement as to the field of study.

Moreover, the college degree itself is a step on the path to making more money over the entire career path, regardless of the major.



Look up the material for yourself. There are a ton of FACTS out there. Do not listen to a single person's story to determine important facts. A short, interesting story about a single person is an anecdote. Seek out the facts from large reliable pools of information.



An undergrad degree is very valuable in any major.



[this is supposed to be a calculator to figure the difference]

https://www.calcxml.com/calculators/...n?skn=#results

It may surprise you that, on average, an individual with a bachelor's degree earns approximately $66,872 per year, compared to the $37,076 average yearly salary of a worker with a high school diploma. Use this calculator to see the value of a college education.

Source: Bureau of Labor Statistics, 2018.

https://www.aacu.org/sites/default/f...EAP/nchems.pdf

see, e.g.
http://time.com/3964415/ceo-degree-liberal-arts/

see, also:

According to the Bureau of Labor Statistics for 2016, people with these degrees experienced the following unemployment rates:

5.2 percent with a high school diploma
2.7 percent with a bachelor's degree
2.4 percent with a master's degree
1.6 percent with a doctorate or professional degree





A person with a 4 yr degree will make a lot more than a person without one, on average.
https://www.bls.gov/careeroutlook/20...ation-pays.htm

"A key reason why a degree remains a relatively valuable asset despite rising tuition is that the wages of those Americans without a degree have been falling, keeping the college wage premium near an alltime high, according to the report. Between 1970 and 2013, workers with a bachelor’s degree (excluding those who went on to a postgraduate degree) had annual earnings of about $64,500 after adjustment for inflation. Workers with an associate’s degree earned an adjusted $50,000 per year, and those with only a high school diploma earned $41,000. The authors calculate that, over four decades, workers with a bachelor’s degree earned on average 56 percent more and workers with an associate’s degree averaged 21 percent more than high school graduates.

Assuming that all workers retire at age 65 and that those who went to college spent 4 years in school to earn a bachelor’s degree or 2 years for an associate’s degree, workers with a bachelor’s degree earn well over $1 million more than high school graduates during their working lives. Workers with an associate’s degree earn about $325,000 more than high school graduates."
https://www.bls.gov/opub/mlr/2014/be...l-worth-it.htm



"The average student loan debt last year for graduates of four-year colleges who took out loans was $28,650, according to the latest version of an annual report from the Institute for College Access and Success (TICAS). The average amount was up $300, or 1 percent, from 2016."
https://www.insidehighered.com/quick...colleges-28650


"Experts predict that the future job market will require a significant increase in skilled workers. According to the Georgetown Center on Education and the Workforce, by 2020, 65 percent of all jobs in the American economy will require education beyond high school. However, the U.S. Census estimates that just 33 percent of American adults currently possess a bachelor’s degree or more."
https://www.cnbc.com/2018/02/15/here...-graduate.html


So go out there and get a degree in the field you love. It will pay off. you will learn how to learn, and you will be having a great time doing it.

A college education also broadens your “world view.” Translated : college educated people are more likely to be less narrow minded.