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The brag post... *laughs out loud* (an Eff you post)

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So... here is the story.

For many years I have taught dance and hubby works with his parents in a development business plus real estate. At one point we were able to afford health insurance....

Then came the economy crash :( We are not the only people that had to move fast downgrading everything you worked hard for. We sold our house and downgraded into a rental, downgrading our budget, getting rid of things we couldn't afford, preparing for the worse financially. Let me tell you we moved fast!!!!

Three years of hell we went from making 75,000 a year to 45,000 a year. We were lucky we made 45,000 a year. On top of that back then health insurance was 680 a month and believe me thats a lot not including the 2 grand deductible. Sadly that had to go too because the amount we were making was just getting so low we couldnt afford it anymore. We cleaned our savings, college, retirement trying to stay afloat... When you are in the housing market, sometimes you go months before you have income or a pay.... It was awful.

During this time I continued to argue with hubby about me going back to college. He resisted. I wish had let me go back sooner (although it worked out in the end). Eventually at the end of our debts he let me go back I am graduating this Saturday.

So now we are slowly working our way back up, slowly trying to put back the savings and unfortunately since the last time we had health insurance it has gone up to 980 a month for the cheapest with 2500 grand deductible, one was 3 grand! At this time we simply cannot afford insurance PLUS unpaid medical bills from the 3-4 year economical crash and building our way back up.

I have watched people around me plus those online struggle the same struggle we have gone through, there are still many out there that simply cannot afford the rates.... I understand oh believe me I understand. Then you got arrogant asshats that brag how their hubby works good bucks and great heath insurance and pay only 200 a month for extra benefits and blah blah.... Ya well good for fucking you!

I recently got hired (yes got the job I wanted my ideal job) at the university as a computer specialist. I will work part time however, I will earn a little over the part time hours so I can qualify for health care benefits. After all these years me working part time and hubby busting his ass and barely having health care insurance we will finally be where others are (the employment paid health benefits). So for those that cursed me and others for not having it EFF YOU I HAVE IT NOW!

The end.

~~~~~         =^..^=        ~~~~~
I'm not the cat lady type. I'm more like an actual cat. I want affection when I want it and on my own terms. The rest of the time I want to claw out your eyes and piss in your shoes.  

It's wrong to be a bully with one exception. It's ok to bully those you THINK are a bully.

by on May. 1, 2013 at 10:29 AM
Replies (31-40):
Anonymous
by Anonymous on May. 1, 2013 at 10:59 AM
We have a high deductible health insurance. It works wonders for us. We only pay 140$ a month (for individual +1). Then I deposit 100$ (before taxes come out) a month into a health savings account. That's my money and can be used on health costs.

Our deductible is 3k. So we have to pay 3k out before the actual insurance kicks in, then they cover 90%.

I like it because you pay for what you use. Plus well visits are free and my yearly women's visit is free.

I couldn't imagine paying close to a 1000$ a month for health insurance. That's ridiculous.
thetrollcat
by Meow on May. 1, 2013 at 11:02 AM

in smaller towns unless you are working for the mines there isnt much for jobs.... The reason for housing being high in montana not limited to Billings, but also in Great Falls, Bozeman is MOST expensive along with Missoula due to limited room for development. Again I have lived in Montana all my life, my inlaws and hubby are in marketing, we know what the market is in Montana and AGAIN montana is not considered one of the better paying rates for jobs.... Again unless you work for the mines.......

Quoting Anonymous:

You said you would be lucky to find a house for less than $100,000
Maybe so for Billings but there are plenty of houses under $100,000 in smaller towns. We enjoy the small town living. The only down side is you have to travel for several hours to get anywhere around here. We do have a small hospital 20 min away and grocery stores and retail but if we want to gi to bigger stores, even walmart, we have to travel. If we have to see a specialist, chances are we are going to have to drive 2 to 5 hours to get there.



Quoting thetrollcat:

the wage pay in Montana is low.... You are lucky if you get a good paying job anywhere in Montana. Montana is an expensive state to live in when the wage pay is low. I know I have lived in montana all my life. We watch people come and go all the time... We see it in the housing market.

It also explains our population rate, it never increases and stays....

Quoting Anonymous:

It depends on what area of your state you are in. It is more expensive in Billings because of its size. There are nice little towns to move to. Yes, MT didnt get hit as hard. That is why we moved from the East coast to MT.





Quoting thetrollcat:I know its hard my state was one of the states that didnt get hit as hard except the housing market it came to a stall! We were very worried for several years. It has picked up again but it can stall again in the future. My hubby's business is not dependable and based on the market. Anything can happen any day... Me getting employed is probably for the best overall. As for the income earned., some areas are higher priced... You are lucky to find a house for less than 100,000 in my state. I kid you not.Quoting Anonymous:Seven years ago, when our economy crashed, we became homeless with three children and had to move 2,000 miles away from our friends and family to survive.

We have never made $75,000 a year or even $45,000 a year. Still, my husband works hard for his money and we are on our feet once again.




~~~~~         =^..^=        ~~~~~
I'm not the cat lady type. I'm more like an actual cat. I want affection when I want it and on my own terms. The rest of the time I want to claw out your eyes and piss in your shoes.  

It's wrong to be a bully with one exception. It's ok to bully those you THINK are a bully.

thetrollcat
by Meow on May. 1, 2013 at 11:03 AM

We have no problem putting money out on health insurance however, 980 a  month??? We just cant afford it.... And ya you also end up paying 980 a month which does not include dental and other imporant goodies. Only for emergancies..... which really sucks. Last time we paid 680 it covered nothing we still got billed even after the deductible. I was pissed.....

Quoting Anonymous:

We have a high deductible health insurance. It works wonders for us. We only pay 140$ a month (for individual +1). Then I deposit 100$ (before taxes come out) a month into a health savings account. That's my money and can be used on health costs.

Our deductible is 3k. So we have to pay 3k out before the actual insurance kicks in, then they cover 90%.

I like it because you pay for what you use. Plus well visits are free and my yearly women's visit is free.

I couldn't imagine paying close to a 1000$ a month for health insurance. That's ridiculous.


~~~~~         =^..^=        ~~~~~
I'm not the cat lady type. I'm more like an actual cat. I want affection when I want it and on my own terms. The rest of the time I want to claw out your eyes and piss in your shoes.  

It's wrong to be a bully with one exception. It's ok to bully those you THINK are a bully.

Anonymous
by Anonymous on May. 1, 2013 at 11:04 AM
Have I been without health insurance? Yes. But my husband makes sure that the jobs he takes offer benefits. Some places, they don't kick in until after 90 days of employment. He has worked jobs that he absolutely hated so that we would have insurance. I do think that we need healthcare reform, but I do not think that ObamaCare is the answer. We are fortunate to live in a part if the country where the recession is almost nonexistent. But, my husband also acquired skills and a degree that make him valuable to many different companies. I understand that other parts of the country were not as lucky. I am understanding in some instances. When people refuse to work jobs with benefits because they believe the job to be beneath them, then I do not understand.

Quoting thetrollcat:

if you had read some of the posts about the Obama care and people without health insurance, you would understand... No wait you would not because it was people like you that condemed those without it saying how they were putting their whole family at risk and ... well maybe not you but a lot like you in your situation. Ya some were really fucking rude and lacking complete undersstanding or compassion to why some simply did not have it and could not afford it. I do not lack it because I have been there. Have you>?

Quoting Anonymous:

How is this post different that what you complained about the "arrogant asshats" doing?



My husbands job has great benefits (company pays all premiums and half of our deductible). That doesn't mean that we have worked any less hard than your family. We worked hard and he has a better job. It happens. Why does that anger you so?


svolkov
by Emerald Member on May. 1, 2013 at 11:07 AM


Yay! Im just glad this semester is almost done lol congrats on graduating and the job.
thetrollcat
by Meow on May. 1, 2013 at 11:08 AM

Im sorry but like cases with my husband why should he give up his business or my inlaws that have built this business for over 40 years? A lot of people have been in the business most their lives its all they know and have land/lots invested but cannot build due to the housing market why should they be forced to get a new job? My inlaws have rentals so they were lucky, we were not as lucky but my hubby is very good at what he does... He could have worked for the car sales places but you have any idea what the wages would be? Just as bad plus he would never get a day off and still no insurance.

Not everyone is skilled to be engineers, doctors, lawyers, or computer specialist. Thank GOD for small businesses and companies not everything is owned by chains and franchisers. Be a little sympathetic.

Quoting Anonymous:

Have I been without health insurance? Yes. But my husband makes sure that the jobs he takes offer benefits. Some places, they don't kick in until after 90 days of employment. He has worked jobs that he absolutely hated so that we would have insurance. I do think that we need healthcare reform, but I do not think that ObamaCare is the answer. We are fortunate to live in a part if the country where the recession is almost nonexistent. But, my husband also acquired skills and a degree that make him valuable to many different companies. I understand that other parts of the country were not as lucky. I am understanding in some instances. When people refuse to work jobs with benefits because they believe the job to be beneath them, then I do not understand.

Quoting thetrollcat:

if you had read some of the posts about the Obama care and people without health insurance, you would understand... No wait you would not because it was people like you that condemed those without it saying how they were putting their whole family at risk and ... well maybe not you but a lot like you in your situation. Ya some were really fucking rude and lacking complete undersstanding or compassion to why some simply did not have it and could not afford it. I do not lack it because I have been there. Have you>?

Quoting Anonymous:

How is this post different that what you complained about the "arrogant asshats" doing?



My husbands job has great benefits (company pays all premiums and half of our deductible). That doesn't mean that we have worked any less hard than your family. We worked hard and he has a better job. It happens. Why does that anger you so?



~~~~~         =^..^=        ~~~~~
I'm not the cat lady type. I'm more like an actual cat. I want affection when I want it and on my own terms. The rest of the time I want to claw out your eyes and piss in your shoes.  

It's wrong to be a bully with one exception. It's ok to bully those you THINK are a bully.

Anonymous
by Anonymous on May. 1, 2013 at 11:08 AM
There are a lot of ranch jobs. More options than you would think, if you know where to look. Carpentry, plumbing, mechanics, rainroad, oil rigs, law enforcment, etc. but Ranch work is real big around here.
It is to be expected for things to be more expensive in big cities. Im not surprised at all that the housing in Billings, Helena, Great Falls, etc. would be in the $100,000 price range.
I wouldnt want to live in any of them.


Quoting thetrollcat:in smaller towns unless you are working for the mines there isnt much for jobs.... The reason for housing being high in montana not limited to Billings, but also in Great Falls, Bozeman is MOST expensive along with Missoula due to limited room for development. Again I have lived in Montana all my life, my inlaws and hubby are in marketing, we know what the market is in Montana and AGAIN montana is not considered one of the better paying rates for jobs.... Again unless you work for the mines.......Quoting Anonymous:You said you would be lucky to find a house for less than $100,000
Maybe so for Billings but there are plenty of houses under $100,000 in smaller towns. We enjoy the small town living. The only down side is you have to travel for several hours to get anywhere around here. We do have a small hospital 20 min away and grocery stores and retail but if we want to gi to bigger stores, even walmart, we have to travel. If we have to see a specialist, chances are we are going to have to drive 2 to 5 hours to get there.



Quoting thetrollcat:the wage pay in Montana is low.... You are lucky if you get a good paying job anywhere in Montana. Montana is an expensive state to live in when the wage pay is low. I know I have lived in montana all my life. We watch people come and go all the time... We see it in the housing market.It also explains our population rate, it never increases and stays....Quoting Anonymous:It depends on what area of your state you are in. It is more expensive in Billings because of its size. There are nice little towns to move to. Yes, MT didnt get hit as hard. That is why we moved from the East coast to MT.


Quoting thetrollcat:I know its hard my state was one of the states that didnt get hit as hard except the housing market it came to a stall! We were very worried for several years. It has picked up again but it can stall again in the future. My hubby's business is not dependable and based on the market. Anything can happen any day... Me getting employed is probably for the best overall. As for the income earned., some areas are higher priced... You are lucky to find a house for less than 100,000 in my state. I kid you not.Quoting Anonymous:Seven years ago, when our economy crashed, we became homeless with three children and had to move 2,000 miles away from our friends and family to survive.
We have never made $75,000 a year or even $45,000 a year. Still, my husband works hard for his money and we are on our feet once again.


thetrollcat
by Meow on May. 1, 2013 at 11:08 AM

are you graduating? Still got more to go? I am so damn tired meow I can hardly drag my furry ass to school! and thank  you :)

Quoting svolkov:



Yay! Im just glad this semester is almost done lol congrats on graduating and the job.


~~~~~         =^..^=        ~~~~~
I'm not the cat lady type. I'm more like an actual cat. I want affection when I want it and on my own terms. The rest of the time I want to claw out your eyes and piss in your shoes.  

It's wrong to be a bully with one exception. It's ok to bully those you THINK are a bully.

TheQueenOfChaos
by Gold Member on May. 1, 2013 at 11:09 AM

Congrats!!! We downgraded recently, were now in the high 20s for income. Thankfully our total expenses are only 26K, and we don't have health ins either.

DH is the opposite though. He will only let me work until August, then he says I need to focus on nursing school. He said if we have any chance of getting out of this hole, I need to have my degree. So for the next 2-3 years we're going to be scraping the barrel, but hopefully that improves soon.

thetrollcat
by Meow on May. 1, 2013 at 11:09 AM

how does ranch jobs provide insurance?

Quoting Anonymous:

There are a lot of ranch jobs. More options than you would think, if you know where to look. Carpentry, plumbing, mechanics, rainroad, oild rigs, law enforcment, etc. but Ranch work is real big around here.
It is to be expected for things to be more expensive in big cities. Im not surprised at all that the housing in Billings, Helena, Great Falls, etc. would be in the $100,000 price range.
I wouldnt want to live in any of them.


Quoting thetrollcat:

in smaller towns unless you are working for the mines there isnt much for jobs.... The reason for housing being high in montana not limited to Billings, but also in Great Falls, Bozeman is MOST expensive along with Missoula due to limited room for development. Again I have lived in Montana all my life, my inlaws and hubby are in marketing, we know what the market is in Montana and AGAIN montana is not considered one of the better paying rates for jobs.... Again unless you work for the mines.......

Quoting Anonymous:

You said you would be lucky to find a house for less than $100,000

Maybe so for Billings but there are plenty of houses under $100,000 in smaller towns. We enjoy the small town living. The only down side is you have to travel for several hours to get anywhere around here. We do have a small hospital 20 min away and grocery stores and retail but if we want to gi to bigger stores, even walmart, we have to travel. If we have to see a specialist, chances are we are going to have to drive 2 to 5 hours to get there.







Quoting thetrollcat:

the wage pay in Montana is low.... You are lucky if you get a good paying job anywhere in Montana. Montana is an expensive state to live in when the wage pay is low. I know I have lived in montana all my life. We watch people come and go all the time... We see it in the housing market.

It also explains our population rate, it never increases and stays....

Quoting Anonymous:

It depends on what area of your state you are in. It is more expensive in Billings because of its size. There are nice little towns to move to. Yes, MT didnt get hit as hard. That is why we moved from the East coast to MT.








Quoting thetrollcat:I know its hard my state was one of the states that didnt get hit as hard except the housing market it came to a stall! We were very worried for several years. It has picked up again but it can stall again in the future. My hubby's business is not dependable and based on the market. Anything can happen any day... Me getting employed is probably for the best overall. As for the income earned., some areas are higher priced... You are lucky to find a house for less than 100,000 in my state. I kid you not.Quoting Anonymous:Seven years ago, when our economy crashed, we became homeless with three children and had to move 2,000 miles away from our friends and family to survive.


We have never made $75,000 a year or even $45,000 a year. Still, my husband works hard for his money and we are on our feet once again.








~~~~~         =^..^=        ~~~~~
I'm not the cat lady type. I'm more like an actual cat. I want affection when I want it and on my own terms. The rest of the time I want to claw out your eyes and piss in your shoes.  

It's wrong to be a bully with one exception. It's ok to bully those you THINK are a bully.

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