Showing posts with label american. Show all posts
Showing posts with label american. Show all posts

Wednesday, March 19, 2014

Thank you for nothing. Time to Adapt.




I'm a fan of flying by the seat of your pants--if you know what you're doing--but Americans have really messed up the last couple of generations. First and foremost, people are taught that monogamous, heterosexual, marriage is the only respectable relationship option in society. Second, we've distorted reality to the point that people think that all of their fantasy dreams are going to happen. Third, we tell people what to think and do, more than we let people think for themselves because we're afraid of what would happen if people thought for themselves.
The debate is out, and society is changing to be more accepting of the LGBT community, but I don't think we should end there (when it does get there). There is no word in the English language that is an antenym for Monogomy:

Antonyms for monogamy


Why is that? And why are there still laws in society against anything other than monogamy (most are not enforced...until a divorce begins)?
Statistically, more Single Mothers are in the bottom tier of society as far as the economy is concerned, and maybe even if you compared on some scale of stress you might find them on the bottom tier as well. But why? Single dad's aren't found down there?
I hope that question worked to lead you into what I'm going to say next: If your initial answer that question was "well, because single fathers don't have to take care of the kids"--Okay...why? Why don't more single dad's have primary responsibility to take care of the kids?--If you follow cultural trends, you'll realize that this is rapidly changing: more single dads ARE taking care of kids as primary caregiver. Are these single dads found in the bottom tier? --not as far as any statisticians are concerned.
Why do our tax systems support marriage? It is more costly to live alone than to have two working adults living together. And even if one of them isn't working, that person still boosts the household gross production by taking care of the home. There is only so much one person can do alone, but together we are powerful. Why does the U.S. give tax breaks to married couples? Does having a polygamous relationship make you more disobedient to the laws (aside from the anti-polygamy laws)? What about a poly-amorous relationship? Do these relationships make you less of a contributor to society?
We raise our kids to believe that if they don't want to, or don't ever, marry there is something wrong with them. That somehow everyone is expected to pair off, have kids, and then give their wealth to their kids.

Another thing we do is teach kids that they can do whatever they want with their life and be whatever they want to be. --That's cool, don't get me wrong, it's good to dream, but it's also good to be realistic and teach kids to be realistic. Years ago, the whole world operated on the order of apprenticeships, then we realized that the world was a lot bigger than we thought and so we started believing in the dream that you could be whatever you wanted to be. We started training people to be generic so that they could fit into many different positions--but we didn't change our beliefs. Our training is geared to teaching kids to be skilled in many ways and not necessarily specialized. Specialization comes when you're older...which...is probably closer to 45-65 than 35-45 as it was a few generations ago. And with the life expectancy rising...that may mean that that age will only continue to rise as people work more and more years.
The point is, mankind is maxing out on some of its resources. --That's not to say that they can't be replenished, or that we aren't sitting out proverbial oil fields in our backyards--it means that we can't sustain our rate of consumption until further breakthroughs are made. What is the job market like right now? What are the prices of oil doing? Where are the polar ice caps? --These are signs that we're starting to breach that point--or perhaps we've already breached it?
We have too many people living in too tight of spaces. We have run out of land to give away for free, which, up until the end of American Imperialism, Land was the real source of power for America--it attracted people which were the driving force of the world. Now, immigration is centered more around where the wealth is than it is about where the land is--and where does their money go? Back to their home countries to where they have an investment in land. But this isn't sustainable! --We have people living 10 people in a 2 bedroom home because they can't afford or don't want to pay for living expenses in their work country.--not legally anyway.
When you have kids, you need to be responsible for creating space for them in this world. Your kids are going to make an impact on the world after you're gone--every one that you bring into the world someone else has to exit the world. One day you will die and the person you mate with will too, but how many more people can you count on to die to leave room for your additional kids?

Lastly, Why do we tell people what to do, what do think? Why don't we teach people to ask questions and think for themselves? Our public education teaches people what is universally true, rather than how to think for themselves. Several important fields have been removed from our schools, such as mandatory courses on Rhetoric and Philosophy and instead we teach people how to optionally "debate." We keep telling people that one day some genius is going to come along and invent something new to save us all, but doesn't it seem that only an outlier, a maverick, could be that genius? Those people are rare. No one teaches you the skills to think outside of the box and we're slowly losing those individuals.
Our schools, our religions, our cultures--they create sheep, they breed followers. And sheep can't protect themselves from wolves, from mavericks. We are setting kids up to submit to ANYONE who can come along and solve our problems rather than setting our kids up to solve problems for themselves. We don't need sheep, we need men and women. Real men and women. Who are open to whatever life throws at them, who are confident and comfortable to stand up and voice their opinion and recognize that it is only an opinion and subject to change the moment something better comes along.

So thank you.

Thank you for nothing.

Because we have nothing left to lose.

Those of us who want to change and improve.
We have nothing to lose and everything to gain.
So to those who believe in the powers that be,
We who are different will surpass you some day,
and you'll lose everything,
because you've gambled everything on your fantasy life:
one where you believe only certain ways of life are respectable
where you preach the ideal and never mention the realistic
Where you keep repeating the same old patterns and never adapt to the new world.

This is survival of the fittest
 

Saturday, April 20, 2013

Typical Expenses of the Entry Level American in Weber County, UT

Ever wanted to get to the details of why you couldn't survive living on your own? Or why your budget seems to be stretched all of the time?

I have started a research project based around that very concept and I will be publishing it here on this blog in a series of reports. The concept is simple home economics...but applied to the averages of the present market (April 2013).



Report of Expenses for the Entry Level American

Report Summary

The following report outlines the expenses of a typical entry level American. It is a collection of data presented in an understandable way as applied to citizens of Weber County, UT. Most of the data is easily applicable to other counties in the US. This report does not take into consideration the retirement plans of such individuals and merely focuses on the early stages of adult life, living independent, marrying, and having children. The report operates on the American assumption, that an individual will start at the bottom level of the workforce and work their way up; and as they do so will progress into marrying and having children.

Objective

The primary objective of this report is to explain the minimum wage necessary for an individual to follow the American dream and America's cultural ideals. These ideals are defined as living on their own, starting a family, and having children.

Findings of Fact

It has been discovered that in order to enter adult life, i.e. live on their own, an individual will need to earn $25,800 per year or $12.40 wages working 40 hrs per week. Married without kids, a couple will need to earn $48,600 per year and with kids $64,050.

Conclusion

In order to maintain the American culture of becoming an adult by moving away from one's parents, marrying, and having kids; and to keep up the American lifestyle by consuming the average amount of goods, individuals will need to earn at least $12.01 per hour or $25000 annually before moving out of their parents' homes. Alternatively, ambitious individuals may get married and move in with their spouse and earn $23.07 per hour, or an average of $11.54 per hour each, where both husband and wife work 40 hours per week. 

Based on the findings of this report, it is my opinion that our society will face several negative changes in the near future relating to the structuring of the family. In previous generations only the husband worked; now both husband and wife are required to work in order to survive. With the cost of primary expenses rising, individuals will need to postpone having a family for much longer to ensure that they can both survive. The cost of primary expenses may also lead to a lower standard of living for Americans.

Data


Situation A


Single Shared Home

Primary Expenses
Name Year Month Week Day
Housing $4,488.65 $374.05 $86.32 $12.30
Gasoline $2,123.54 $176.96 $40.84 $5.82
Groceries $2,964.00 $247.00 $57.00 $8.12
Wireless Bill $600.00 $50.00 $11.54 $1.64
Utilities $1,004.09 $83.67 $19.31 $2.75
Car insurance $2,099.00 $174.92 $40.37 $5.75
Medical Insurance $4,281.00 $356.75 $82.33 $11.73
Student loans $0.00 $0.00 $0.00 $0.00
Clothing $1,698.50 $141.54 $32.66 $4.65
Discretionary Income $1,375.00 $114.58 $26.44 $3.77
Total Expenses before tax $20,633.78 $1,719.48 $396.80 $56.53
Esimated Individual Income $25,000.00 $2,083.33 $480.77 $68.49
Federal Taxes $3,112.50
State Taxes $1,250.00
Total Estimated Taxes $4,362.50
Total Balance $3.72

Married (no children)

Primary Expenses
Name Year Month Week Day
Housing $7,918.30 $659.86 $152.27 $21.69
Gasoline $4,247.08 $353.92 $81.67 $11.64
Groceries $5,928.00 $494.00 $114.00 $16.24
Wireless Bill $1,200.00 $100.00 $23.08 $3.29
Utilities $1,048.11 $87.34 $20.16 $2.87
Car insurance $4,198.00 $349.83 $80.73 $11.50
Medical Insurance $8,562.00 $713.50 $164.65 $23.46
Student loans $0.00 $0.00 $0.00 $0.00
Clothing $3,397.00 $283.08 $65.33 $9.31
Discretionary Income $2,640.00 $220.00 $50.77 $7.23
Total Expenses before tax $39,138.48 $3,261.54 $752.66 $107.23
Estimated Combined Income $48,000.00 $4,000.00 $923.08 $131.51
Federal Tax $6,307.50
State Taxes $2,400.00
Total Estimated Taxes $8,707.50
Total Balance $154.02

Married with two Children Early life stages(1 boy, 1 girl)

Primary Expenses
Name Year Month Week Day
Housing $11,090.62 $924.22 $213.28 $30.39
Gasoline $4,247.08 $353.92 $81.67 $11.64
Groceries $8,892.00 $741.00 $171.00 $24.36
Wireless Bill $600.00 $50.00 $11.54 $1.64
Utilities $1,114.14 $92.84 $21.43 $3.05
Car insurance $4,198.00 $349.83 $80.73 $11.50
Medical Insurance $12,213.00 $1,017.75 $234.87 $33.46
Student loans $0.00 $0.00 $0.00 $0.00
Clothing $5,095.50 $424.63 $97.99 $13.96
Discretionary Income $3,437.50 $286.46 $66.11 $9.42
Total Expenses before tax $50,887.83 $4,240.65 $978.61 $139.42
Estimated Combined Income $62,500.00 $5,208.33 $1,201.92 $171.23
Federal Taxes $8,482.50
State Taxes $3,125.00
Total Estimated Taxes $11,607.50
Total Balance $4.67

Situation B

Single Shared Home

Primary Expenses
Name Year Month Week Day
Housing $4,488.65 $374.05 $86.32 $12.30
Gasoline $2,123.54 $176.96 $40.84 $5.82
Groceries $2,964.00 $247.00 $57.00 $8.12
Wireless Bill $600.00 $50.00 $11.54 $1.64
Utilities $1,004.09 $83.67 $19.31 $2.75
Car insurance $2,099.00 $174.92 $40.37 $5.75
Medical Insurance $4,281.00 $356.75 $82.33 $11.73
Student loans $574.23 $47.85 $11.04 $1.57
Clothing $1,698.50 $141.54 $32.66 $4.65
Discretionary Income $1,419.00 $118.25 $27.29 $3.89
Total Expenses before tax $21,252.01 $1,771.00 $408.69 $58.22
Esimated Individual Income $25,800.00 $2,150.00 $496.15 $70.68
Federal Taxes $3,232.50
State Taxes $1,290.00
Total Estimated Taxes $4,522.50
Total Balance $25.49

Married (no children)

Primary Expenses
Name Year Month Week Day
Housing $7,918.30 $659.86 $152.27 $21.69
Gasoline $4,247.08 $353.92 $81.67 $11.64
Groceries $5,928.00 $494.00 $114.00 $16.24
Wireless Bill $1,200.00 $100.00 $23.08 $3.29
Utilities $1,048.11 $87.34 $20.16 $2.87
Car insurance $4,198.00 $349.83 $80.73 $11.50
Medical Insurance $8,562.00 $713.50 $164.65 $23.46
Student loans $574.23 $47.85 $11.04 $1.57
Clothing $3,397.00 $283.08 $65.33 $9.31
Discretionary Income $2,673.00 $222.75 $51.40 $7.32
Total Expenses before tax $39,745.72 $3,312.14 $764.34 $108.89
Estimated Combined Income $48,600.00 $4,050.00 $934.62 $133.15
Federal Tax $6,397.50
State Taxes $2,430.00
Total Estimated Taxes $8,827.50
Total Balance $26.78

Married with two Children Early life stages(1 boy, 1 girl)

Primary Expenses
Name Year Month Week Day
Housing $11,090.62 $924.22 $213.28 $30.39
Gasoline $4,247.08 $353.92 $81.67 $11.64
Groceries $8,892.00 $741.00 $171.00 $24.36
Wireless Bill $600.00 $50.00 $11.54 $1.64
Utilities $1,114.14 $92.84 $21.43 $3.05
Car insurance $4,198.00 $349.83 $80.73 $11.50
Medical Insurance $12,213.00 $1,017.75 $234.87 $33.46
Student loans $1,148.47 $95.71 $22.09 $3.15
Clothing $5,095.50 $424.63 $97.99 $13.96
Discretionary Income $3,522.75 $293.56 $67.75 $9.65
Total Expenses before tax $52,121.55 $4,343.46 $1,002.34 $142.80
Estimated Combined Income $64,050.00 $5,337.50 $1,231.73 $175.48
Federal Taxes $8,715.00
State Taxes $3,202.50
Total Estimated Taxes $11,917.50
Total Balance $10.95






Definitions

Summary of Scenarios (Single Shared Home, Married, Married with Children)

Single
This scenario represents non-married individuals who live with others. The cost of housing is calculated using the average cost per room. For example, if two people share the cost of a two bedroom apartment, they are each paying for the price of one room. 

Married
This scenario represents a married couple without children. All individual calculations are multiplied by two, but some expenses, such as housing take an alternate calculation method that is more cost effective, such as renting a one or two bedroom home. In situation B, where student loans are calculated, only one individual in the marriage is calculated to have student loans. 

Married with Children
This scenario is intended to represent a married couple with two children one by and one girl. This distinction is meant to compensate for differences in expenses between boys and girls in child development. I assumed that a child would consume one-half of water and food that an adult would and therefore I multiplied all individual numbers by 3.

Summary of Situations (A, B)

The only differences between situations A and B are the presence of student debt. The average student debt in Utah is $17,227 and 45% of students in the state have debt.* 


Summary of Expenses

When possible I tried to use data obtained from government websites and archives, however, not all data is stored by the government and 3rd party sources were used in such instances.

Housing
My housing statistics were taken from data collected off of rental listing sites such as KSL and Craigslist. The data was taken from Weber county specifically and was a sample of size 377. The confidence interval of this data representing the total rental marketplace in the county (21,619) is +/-5 with an alpha of 95%. 

Gasoline
The gasoline expense was taken from statistics on the average fuel economy of vehicles in the U.S (24.6 mpg)., the average number of miles driven by an individual age 20-34 (15,098 miles), and the average price of gas in Utah in April 2013 ($3.46/gal).

Groceries
Grocery data was taken from Chapter 2 of the USDA's Factbook 2010 in which the average American's consumption of food is broken down into the primary food groups (meat, dairy fat/oil, fruit, etc) and the expenditures per capita per year are outlined ($2,964/person).

Wireless Bill
The average wireless phone plan has leveled out recently to around $50/month according to several sources, including the wireless carriers themselves and publishers of wireless carrier data.

Utilities
Utility data was calculated using water (90/day) and power consumption (903Kw) of the average American and the average cost of electricity and water in Utah. 

Car Insurance
Car insurance data was calculated from average cost of premiums nationally based on years of experience 2-10 years. I maintained the assumption that most Utah drivers start driving when they are 16 and by age 26 they will have 10 years of experience and still apply to this formula. However, the car insurance data used in my research is subject to a lot of inaccuracy since many insurance companies offer discounts to individuals who combine in a family plan and many, if not most (I assume) individuals pay on some sort of family plan and get a much more discounted rate.

Medical Insurance
Medical insurance premium averages in Utah have been gathered as two rates: family and individual. The married with children scenarios apply a family medical plan whereas the other scenarios apply individual plans. 

Student Loans
Student loans are calculated based on the average student debt in Utah ($17,227) on an assumed 25 year loan. According to the same source, around 45% of students possess debt. I have created two scenarios, the first (A) without student debt to represent individuals who work in a job that merely requires a high school education. In the second scenario (B) student debt is calculated as above for all individuals. 

Clothing
Data used in the clothing expense section is calculated based on the average expenses from apparel annually and services for under 25 ($1,464) and 25-34 year olds ($1,933).   I averaged age shifts by taking the mean between the two numbers ($1,699).

Discretionary Income
In order to compensate for other expenses not included in this report (entertainment, saving for the future, religious expenses, etc.) I accounted for 5% of an individual's income. This is a conservative estimate considering that many religions in Utah ask for a 10% tithe.

Taxes
Calculations of taxes have been made based on state and federal tax data for 2013. The current Utah State Income Tax is 5% and the federal tax rate has been based on the 2013 tax table (about 15%).