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Average American Family is POOR
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Sheriff
Admin
4063 posts
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 posted 7/12/2007 6:33:26 PM
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I am writing this in English, and then will translate for our russian friends.
I am making the following statement: AVERAGE AMERICAN LIVES IN POVERTY.
Proof:
1. Average american family income is about $50,000 give or take.
2. Let's assume that this is a family of 3.
3. About 30% of that goes to taxes. Let's for the sake of easy calculation say it's slightly less, leaving this family with $36000 of early income on hands. That's $3000 per month.
4. If this family rents an apartment, cost of rent + utilities will be around $1200. Townhouse - $1600-$2000, house - $2000-$3000. I'll show you below that this family can't afford to own, neither house nor townhouse. They must rent. So $3000-$1200=$1800
5. Food - about $800. $1800-$800=$1000
6. Automobile. It is a well-known fact that an average cost of owning an automobile in USA is $7500 per year (payments, insurance, gas, maintenance, tolls, etc.) Let's assume that this is a very old car (paid off) and doesn't need much in repairs, so $500/month. $1000-$500=$500.
Now, in the best case(!!!) scenario, this family is left with $500 for: kid's stuff (school, kids clothes, toys, etc.), medical expenses (drugs, copayments), minor life expenses, etc. Also, don't forget that this family wants to travel once a year on vacation. This money IS GONE, no doubt. There are also voulchers like financial companies, promoting "pension plans" etc.
SO, THIS AVERAGE AMERICAN FAMILY HAS NO MONEY LEFT IN THE BANK.
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Перевожу на русский.
Моё мнение таково, что средняя американская семья находится на черте бедности.
1. Средний годовой доход семьи $50000 долларов
2. Предположим, что это семья из 3-х человек
3. 30% - это налоги. Остаётся приблизительно $3000/месяц.
4. Такая семья не сможет купить дом или таунхаус (см. ниже). Предположим, что они арендуют апартмент. Это примерно $1200/месяц со всеми расходами.
5. Еда - примерно $800/месяц.
6. Машина. Согласно публикующейся статистике, среднегодовой расход на автомобиль - $7500 (выплаты, страховка, бензин, ремонт, платные дороги, парковка). Предположим, что наша семья владеет стареньким выплаченным авто без особых проблем, и что её расходы $500/месяц.
Итого, после необходимых расходов, остаётся $500, которые будут потрачены на ребёнка (школа, одежда, игрушки, памперсы, детский садик, и пр.), на медицину (лекарства, страховка, ко-пейменты), минимальные текущие расходы и пр. А ещё есть желание поехать раз в году в отпуск...итого:
Средняя Американская семья денег не имеет.
[Message edited by Sheriff on 7/12/2007 6:35:22 PM]
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Al_Bundy
528 posts
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posted 7/13/2007 1:36:16 AM
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То же самое можно сказать и про английскую семью.
Читал нежовно "Дневники (откровения) Адриана Моула". Там дйесвтие в с 80-го по 2000 г.г. происходит. Вроде как комедия, но тоже производит удручающее впечатление.
Могу скинуть ссылку на пиратскую библиотеку, хотя кому надо - сам найдет.
Страховые компании - убют на хрен Америку. Оно кончно заебись когда все застраховано, но платить, наверное заебывает. Taxes + insuranse = 70 off your income.
Нууу, наверное это плохо. Поэтому сейчас как бы идет отток желающих из России эмигрировать в Штаты и больше желающих просто потратить свои бабки, т.к. в АМЕРИКЕ, пока, еще все дешево, по сравнению с Москвой. Т.к. с образованием из зедь можно легко на 3000 работу найти, причем они у тебя будут почти все чистые. А маргиналам (как элегантно выражается Буржуа - банерлогам) везде хорошо и они в Америку не очень то стремятся. Так что не стоит печалиться.
Зато, несмотря на коммунизм, путинизм и прочую хунту, Россия своих граждан счетами не заебывает, как нектороые...
Ээээх, где ты sweet first half of 90-s!
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Акакий
2415 posts
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posted 7/13/2007 3:18:37 AM
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Bandij>> Ээээх, где ты sweet first half of 90-s!
yeap! it was golden times, literally!!!
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Bourgeois
297 posts
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posted 7/15/2007 9:59:52 AM
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Это очень хорошая тема. Прочитав такой пост житель Америки или пожмёт плечами или посмеётся, но зато этот пост может остановить хоть какое-то количество потенциальных экономических эмигрантов из России.
http://www.stretcher.com/stories/960722c.cfm
Если хотите, я могу доказать, что семья из 5 человек с годовым инкомом 200К «LIVES IN POVERTY» и глава семьи не может себе позволить даже такой малости как поехать поохотиться в Ю. Африку.
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brad62
2373 posts
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posted 7/15/2007 10:52:57 AM
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I wish you would have written that in English
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Bourgeois
297 posts
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posted 7/15/2007 11:53:44 AM
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**I wish you would have written that in English**
That is a very good subject. After reading this post an American will shrug shoulders or laugh, but this post can stop some potential economic emigrants from Russia.
If you want I can prove that the family of 5 with 200K annual income “LIVES IN POVERTY” and the husband even can’t let himself a hunting trip to South Africa.
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Акакий
2415 posts
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posted 7/15/2007 12:22:31 PM
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i don't think its that poor. "average" is statistics but everybody has their own numbers(expenses).
also it depends what you compare it to. compared to many people in many countries it's still not bad. also money in bank do not mean much unless they're spent or make substantial income.
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brad62
2373 posts
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posted 7/15/2007 11:14:21 PM
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Bourgeois; Thank you.
I didn't want to be the first one to jump into this post. But I will show how flawed the Sheriffs assessments of American poverty are.
He is only using an average. Thus, meaning the person who does not work. Compared to the hard working person.
BUT. Before I do that. I'm going to search more. So I may offer irrefutable, concrete evidence of how rich American life is compared to say,,, Africa.
The Sheriff and Alex Jones would make great bed fellows. They like to spin the facts to their favor.
I'm not going to do this tonight. But I will make more posts on this subject. I will show how if you are not lazy. You can make 70,000 dollars in the town I live in, in one year.
And where I live. The average is 38,000 dollars a year.
The thing is. An average is just that. An average. You take the people with zero income. Then include them. That's nao an actual income. That's a drain on society.
OK. Enough for now. I'm going to the Station for a drink
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Al_Bundy
528 posts
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posted 7/17/2007 1:09:01 AM
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Прикол в том, что манагер среденего звена из моей конторы ездил на сафари в эту самую южную АФрику этой весной. Пищит от вострога. Правда трофея не добыл, но все равно всем остался доволен. Буржуа там тебе не понравится. Там руссо туристо до хрена.
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Funny. Middle range manager from my company was in safari in S.A. this spring. He shouts from happy been there. Actually he did not get a trophy but any way he liked all the trip. But, Bougeois, you'll be disappointed when you get there. There're lots of ****ing russo-touristo therein.
[Message edited by Al_Bundy on 7/17/2007 1:19:49 AM]
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Акакий
2415 posts
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posted 7/17/2007 1:36:51 AM
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ха, прикол!
ну если Буржую не понравится сафари в южной африке, то сафари куда мы с тобой едем ему точно не понравится:-)
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brad62
2373 posts
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posted 7/17/2007 1:40:32 AM
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Al. I'm just a middle Ameerican. This is what I made last week
I grossed.652.62. I netted 519.69. And I do that every week. So, times that by 4. There is 2000.00 a month net income
America is poor, PSSSTT. You don't know what you're talking about Sheriff
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Акакий
2415 posts
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posted 7/17/2007 2:39:00 AM
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Bro, everything is relative and individual. it depends what you like and what you need. so a person with 2K income might(or might not) be much better than with a person 10K.
i think discussion about numbers only does make not any sense.
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brad62
2373 posts
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posted 7/17/2007 7:33:09 AM
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Akakiy, that's very true. It's all relative to where you live. Actually my math was fuzzy when I posted my comment.It's more like 3000.oo a month. But if I lived in N.Y.C.? I would have a different job. Then I would make 3000.oo a week, To be able to enjoy the same life style as I have here in N.H..
I pay for my rent 625.00 a month. That's half of what the Sheriff says is the average. There are places in this town that are as low as 325.00 per month.
Education in America is cheap. All you have to do is apply to various organizations for scholarships. Or apply for Pell grants. Or, if you're smart enough? All of the Universities in America will give you a free education.
So it's not to expensive to live here in America if you do your research. If you Immigrated to the Delta region of Mississippi where the average income is 6000.00 a year. With unemployment at 40%. Then I say shame on you.
That's enough for now.
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Leny
813 posts
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posted 7/17/2007 10:27:18 AM
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Poor or not is all a matter of perspective. For example, Brad, making 3k/monthly in NH feels that he is a middle class American, and rightfully so. I think what contributes to Brad’s conviction is that he lives in NH (I also lived there for 3 years), and most people around him are in exactly the same boat, both socially and financially. In NY, however, even living in Brooklyn or Queens on the same salary and most likely enjoying the same amenities, I believe Brad would not feel as comfortably convinced of his “midddleclasseness” mostly because across the bridges he would be able to observe a totally different lifestyle, where 3k just buys you dinner and a drink…;-) The whole thing about hunting in Africa as any kind of social or financial indicator was silly and just another vehicle for Mr. B to flaunt his own “lifestyle and income”…(thankfully, I am not a psychiatrist, or Mr. B would be a fantastic study subject)    
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brad62
2373 posts
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posted 7/17/2007 10:54:15 AM
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Leny, Do you know what Sigmund Fruad said about the Irish? They are the only group of people immune to phsycoananalist.. " HOWEVER it's spelled ".
You couldn't get into my mind with a jackhammer.
But you know as well as I. If you lived in San Diego, Or, Los Angeles, Or, New York City. You would have a job to adjust your income to enjoy the lifestyle you lead.
I don't need a million dollars to enjoy life. I enjoyed life when I was hopping trains around this Country. Without a dime in my pocket
Leny, my biggest gripe is my electrical bill. I use about 14.00 dollars a month in electricity. But my bill is about 60.00 every month. We only have N.H. Elec. Co-op.Inc. up here. You probably have P.S.N.H.. So I don't know how your rates are structured. Most of what I pay is in some form of tax.
Also we pay about .30 more cents a gallon for gas than Concord
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brad62
2373 posts
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posted 7/17/2007 11:06:36 AM
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Leny. How do you figure I flaunt my middleclassness?
I believe onetime when Noshpa and I were chatting about getting me a Russian wife. She said she would help me. With the help from various people. Walker was included. But I would have to fly Walker here for the wedding. I said, you gotta be kidding me. I'm sure Walker makes more money than I, even though he lives in Russia. He can fly his own self over here
So if you want to go back and read it? I believe it is in LIFE TALK. new world order. You know, the post that the Sheriff won't let R.I.P.
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Leny
813 posts
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posted 7/17/2007 11:06:38 AM
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Brad, sorry for the confusion, my references to "Mr. B" were directed to Bourgua and not you.
I think that you are absolutely correct when you write about income adjustability; however, you don't see such a gap and fluctuation in income and lifestyle from one area to another in NH as you see in NY. Hence, perception of what other people make is significantly different in your state than in NY. My rent in Concord included utilities. I lived in school owned house. What a sweeettt deal that was...750/month for the whole damn house and seconds from school...;-)
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brad62
2373 posts
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posted 7/17/2007 11:13:07 AM
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Leny, I was also confused. I thought you were directing that to me. You know, The Mr B.
Yes, that is a sweet deal. 750.00 in Concord is cheap. Plus the income is a little better there.
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tostring
552 posts
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posted 7/18/2007 10:40:45 PM
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Ok, my 2 cents - there are poor people and there are those that are not poor. Avg income means nothing, it's like an average body temperature at a hospital. People that are poor generally :
don't have sufficient education
don't desire to make more money
are satisfied (no happy but satisfied) with their individual situation.
Most of us who came here long time ago (I am talking 8+ years) know what I mean. You start at the bottom and you move up. After a while there is a point where you could say, you know, I am satisfied with renting my household, buying a used car, shopping in WallMart, etc. Some people say - yes, that is all I ever need, others are determined to move forward. Making money in US (or Canada for that matter since this is where I live) is VERY easy. First of all, I have been selling to US customers for over 5 years now as my after work business to help pay for those extra things in life that I want for my family and myself. From observing what you could call a customer group - Americans do not have problem paying if they are given good service. Meaning that anyone with a half of brain can start making extra money at their own convenience. But you have to make your priorities clear for at least yourself. Right now I am working for a great company which pays me substantial amount of $. I could have been happy at the level where I am right now, but my wife and I have been running a business to make extra cash, and for that we have to make sacrifices. For instance - I don't go to bed until about 1:30 AM or so, got to many things to do. Why do we do this - well, we got two kids who will need education. Not just "some education" but a respectable education. We want a bigger house. Recently we've drove through this quiet little neighborhood which stood in the middle of a forest, damn, those houses are nice. I can go on and on.
Ok, I know I might not make much sense but here is the summary - those who really want it will make money. They will not be sitting on their ass and consume large quantities of Bud(Americans, your beer sucks) but will actually do something to make it happen.
I am not translated this in Russian since I am lazy and that is too much text already.
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brad62
2373 posts
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posted 7/18/2007 11:50:22 PM
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Tostring, Thank you. That was going to be my next thing to add.
But why do you say our beer sucks? BUDWEISER is not the only beer in America. I don't drink beer, so no offense taken by that statement I live around the corner from the Woodstock Station. They have a brewpub in the building. The financial advisers told the owner that it was going to take a minimum of 5 years to realize a profit from the pub. He started to make a profit in 18 months.
Now if I had put 10,000. American dollars in a Canadian savings account one year ago. I would have made a 12% gain on my investment.
Our dollar is down against a lot of other currencies. But that's okay. It makes it easier for people overseas to buy our goods. Thus giving the people who want to work jobs.
I can see why the Sheriff would make this post. He must have seen on T.V. about how the American Communist party has had to rent out part of their building in N.Y.C. Imagine that. The Communist Party having to stoop to Capitalistic ideals.But hey, they're making money. Rent isn't cheap in downtown Manhattan.
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