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Do you think we’ll see a better economy in this new year?
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    • 0 votes vote up vote up

      Tuliplady wrote Jan 1, 2013
    • Not a chance.

      Sorry to be so negative on the first day of the new year, but I have no hope.




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    • 0 votes vote up vote up

      Cynthia Schmidt wrote Jan 1, 2013
    • I’m not feeling it either. In our household, we‘re spending less, saving more, and not using credit for anything we can’t pay off at the end of the month. We‘re simplifying and getting ready for Joe to retire in 2 1/2 years.




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    • 0 votes vote up vote up

      Vikki Hall wrote Jan 1, 2013
    • I can’t say either way. The economy took a huge hit and needs time to recover. But the upside to the poor economy is that in some cases it has brought people back together. Taught others that they CAN live without some things. And for others to plan better for the future.

      For me it has definitely made me think twice about any purchases vs financial freedom and a secure retirement.

      So I guess my NEw Years resolution is going to be from a saying i heard at a seminar and it stuck with me.
      ” is what I want now worth giving up what I want later?”




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    • 0 votes vote up vote up

      Tuliplady wrote Jan 2, 2013
    • Excellent quote Vikki!  I’ve been telling myself a version of that for about a year now.  Sometimes it’s aggravating, but it works.




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    • 0 votes vote up vote up

      Marya1961 wrote Jan 3, 2013
    • I am a bit unnerved by everything right now.  Hub has seen his pension earnings drop little by little, and that should just not be.  The man has worked at the same place for 32 years, it is not right.

      I do agree with Vikki, that it has caused a lot of people to wake up and realize that living outrageously is not the answer.

      I wonder if anyone has seen a raise at all?  If you work in a medical setting..you may be much luckier as the years go by as nurses, lab technicians, x-ray techs, physical therapy, medical assistants, dental assistants, etc..will always have a place as their occupations are always needed.
      Plus, fitness and nutrition will be on the rise.

      I just don’t know how the young generation getting out of college will be able to make it unless they are in a big demand field.  

      Our generation will need to be their rock, it is just reality as the deficit will affect them the worst in years to come.  Sorry to be a downer, but I am a realist.




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    • 0 votes vote up vote up

      Vikki Hall wrote Jan 3, 2013
    • Mary I don’t think you‘re being a downer. But I am wondering if we could have prevented the rise in education prices that has put our youth in debt before they even hit the real world???

      On the flip side tho not every young person can or wants to go to college. Have we done anything to secure their future?  Are they any less deserving because they didn’t go to college?




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    • 0 votes vote up vote up

      Tuliplady wrote Jan 3, 2013
    • The younger generation is doing, and will do just fine.  But only IF- if they’ve grown up with some reasonable expectations about life, IF they’ve been taught to be independent, IF and this is most important—IF they’ve got a good work ethic.

      Most of the young adults I know are doing real well for themselves, but the ones that are doing the best are the ones that DIDN‘T go to college.




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    • 0 votes vote up vote up

      Marya1961 wrote Jan 4, 2013
    • I absolutely agree with you, as our son went to a six month training school and now he is in the working field and earning pretty good money for a young, single man.

      I wonder why four years and beyond of college has been pushed on so many young people anyway, if that is not what they wanted in the first place.  For some it is necessary, but I bet there are many others who were coerced into it by parents, friends, teachers, etc..because it is “the thing to do“...so many young people are so far in debt and were brainwashed by their professors into thinking, “oh, you deserve to make X amount of money when you graduate” and they are not seeing it...then they become angry and disgruntled.

      I know a few young people that are in this boat because they followed a dream of education and are working minimum wage.frown




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    • 0 votes vote up vote up

      Vikki Hall wrote Jan 4, 2013
    • I believe like Tulip said IF you were taught to have a good work ethic and you do have one anything can be accomplished. But when you go into it with an entitled attitude you limit your opportunities.  

      So was the college thing pushed as an agenda for business to make more money? I’m not saying college is not important. It just may not be right for everyone.  

      If I were to go back to school it would totally be just for the education on a subject. It would not in any way aid me in my job. Now if I decided to change what I know that would be different.




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    • 0 votes vote up vote up

      Marya1961 wrote Jan 4, 2013
    • A work ethic is very important, which makes me wonder if there are parents out there who did not incorporate a work ethic of any kind into their kids..whether they are wealthy, middle class, or of course living off the government.

      The couple of kids I know went to college to pursue a dream that may not have necessarily been functional in today’s world and therefore they are working minimum wage jobs and who knows if they will be able to advance and pay their bills as it gets more and more expensive to live.  

      I saw a decrease in hub’s paycheck this week as of course taxes are now increased, it sickens me.  What will it be like for everyone down the road?  I know that every state is different, some places being a little less expensive to live, but we all need a roof over our heads, food to eat, clothes to wear, utilities..it is all overwhelming.




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    • 0 votes vote up vote up

      Vikki Hall wrote Jan 4, 2013
    • Mary do you have your hubz stubs from last year at this time? Usually the 1st quarter of every year (regardless of who is in office)  taxes are higher. Since I changed jobs and with it a pay change I can’t compare. My hubz also got a promotionso I can’t compare his either.

      Living in Memphis I have met people who actually don’t know that living on govt is not actually the best way to live. And I have also met people that were on govt assistance for a short time while getting it together.  There certainly is a break down somewhere!




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    • 0 votes vote up vote up

      Tuliplady wrote Jan 4, 2013
    • I think the whole four year college thing has been a very effective marketing scheme by colleges who are no longer in the business of educating, but of selling credits.  College degrees are big business and that’s why the cost has gone up and up and up, and kids futures have been sold down the river.




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    • 0 votes vote up vote up

      Linda L wrote Jan 4, 2013
    • I agree with Tulip re: that college has become a business of selling credits instead of good education. So sad...  

      College isn’t for everyone, yet the kids are pushed into it and if you don’t have a degree you‘re look down upon. I’m not knocking further education if you want to pursue it, but non-college people can do a good job too and deserve respect.




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    • 0 votes vote up vote up

      Vikki Hall wrote Jan 4, 2013
    • So true Linda!




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    • 0 votes vote up vote up

      Marya1961 wrote Jan 5, 2013
    • Absolutely, and the need for more on site jobs..plumbers, electricians, welders, etc..is so important, but many young people thumb their noses at it, again, because higher education and therefore big paying jobs has been pushed on them for so long...but many of them are not acquiring those jobs..plus, not to mention so much work has been sent out of the country, so the little businesses are racking their brains out.

      Vikki, I pulled out a pay stub of hub’s and he has most certainly lost money since the start of 2013. It makes me wonder if working for a small university is not really a good thing, although the teachers get a pay raise, just not the people who keep the whole place running (hub is manager of optical repair).




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    • 0 votes vote up vote up

      Vikki Hall wrote Jan 5, 2013
    • Hmmmm well there was suppose to be a 2% increase in taxes. Apparently it really did go into effect on 1/1.

      And honestly I thought if you work for a college your family received a discount????




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    • 0 votes vote up vote up

      Tuliplady wrote Jan 5, 2013
    • Taxes did not go up 2%.  

      Two years ago, they did a “stimulate the economy” thing where they started taking 6% out of our paycheck for social security tax instead of 6.2%.   They called it a temporary tax cut, but it didn’t actually cut our taxes, it cut the amount we paid into social security- which they should not mess around with!  

      Now that stimulus program has run out and so they are back to taking 6.2% out of our checks for social security.   Honestly, I never noticed the difference back then, and I’m sure I won’t now.   It is two tenths of a percent increase, not two percent.

      Any paycheck received so far in 2013 is still on 2012 pay period and so any tax increases wouldn’t be on it yet.




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    • 0 votes vote up vote up

      Tuliplady wrote Jan 5, 2013
    • As for work ethic, I want to know when people in this country got to good to do manual labor?   How did that happen?  And when did why does society look down on the people who clean your hospital room or your hotel room or make your sandwich for lunch?

      I know the original topic here was the economy.  I don’t think the economy will every get better until we get our heads screwed on right and start valuing and supporting people who want to work and start shunning (and not giving a handout to) those who are too lazy to work and those who won’t do work that is “beneath them“.




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    • 0 votes vote up vote up

      Vikki Hall wrote Jan 5, 2013
    • TL it’s all good conversation!

      And right when did our youth get too good for manual labor???? And what abou apprenticeships and trade skills? Why is there no value placed on that?




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    • +1 votes vote up vote up

      Marya1961 wrote Jan 9, 2013
    • Hub has been at that place for almost 34 years now, and in the beginning there were many perks, but each year it dwindles more and more and of course, the administration expects more and more for less.

      Have you noticed commercials on television that are constantly pushing trade schools?  That is because many young people have pursued education in higher paying positions and they don’t want manual labor jobs, yes, in some of their minds it is considered beneath them.  So in essence, the United States is producing a new breed of young intellectuals who are in debt up to their ass, consider manual labor as poo-poo, seem to be a whiz when it comes to technology but don’t know how to effectively communicate face to face..it is all confusing to me.

      As far as SS, don’t count on it for our generation, it will never happen, not with this debt we are in, and our kid’s generation (the ones who actually work) will be cleaning up the mess for years to come.




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