RANT: Deadlifts & pizza help to prevent ebola. YA RLY!

[ThickAsABrick]

She has that as well. But Christ, that doesn't even cover 4 months.

Yeah. Some of the Freps around here pay 2500/month for the "fancy pants schools. Wat.

Wife did a good job of finding a good one that is modestly priced (relatively speaking.)

Edit: Frepcko'd

[ThickAsABrick]

defer or deduct?

Tax deferred. Saves more than deducting, which you can also do. This is available here through employers.

[Ctrainer]

You guys are funny with your daycare and diapers whine..

Try car, car repairs, car insurance, college, travel sports, grocery bill...just gets worse....

[Dominik]

Yeah, it is shocking. We are fortunate to have each set of grandparents take one day per week, so we only pay for 3 days/wk. Still very pricey, though. 2 is going to totally break the bank.

Wish that was an option. Her parents work and while mine are retired they haven't helped at all. I haven't had a single day off in almost 15 months.

Nice perk.

We can defer 5k pre-tax, which certainly helps, but still more out of pocket to cover it all.

What's the average rate for daycare in your area?

The rebate covers up to $7500 per child which is certainly better than nothing. The average cost of childcare is around $80/day so 5 days a week x 40-45 weeks a year, that's around $8-10K out of pocket.

[Sir_Malak]

You guys are funny with your daycare and diapers whine..

Try car, car repairs, car insurance, college, travel sports, grocery bill...just gets worse....

Sad part is my grocery bill is among the top three highest monthly bills. Poultry, fish, beef, even good pork have very high prices these days as I am sure we all understand.

[Final_Rep]

I thought deferred meant you still have to pay it eventually? /confused

[ThickAsABrick]

Wish that was an option. Her parents work and while mine are retired they haven't helped at all. I haven't had a single day off in almost 15 months.

What's the average rate for daycare in your area?

The rebate covers up to $7500 per child which is certainly better than nothing. The average cost of childcare is around $80/day so 5 days a week x 40-45 weeks a year, that's around $8-10K out of pocket.

I'd guess 15k or so. We pay close to 10 and ours is modest for the area and part time. I know some ppl paying double that.

[ThickAsABrick]

I thought deferred meant you still have to pay it eventually? /confused

Comes directly out of your check like a 401k. Saves more than claiming it at year end. Check with your employer.

[im2manly]

You guys are funny with your daycare and diapers whine..

Try car, car repairs, car insurance, college, travel sports, grocery bill...just gets worse....

I believe my car issues and student loan situation are well documented unfortunately. I also just got hit with entirely unreasonable numbers for adding wife and baby to insurance.

[Dominik]

I believe my car issues and student loan situation is well documented unfortunately. I also just got hit with entirely unreasonable numbers for adding wife and baby to insurance.

Try not to let the stress of these future costs consume you, especially for your wife who is pregnant.

It's a lot of money but nothing in your life will ever be more important than raising a child. As tight as things get you know you'll find a way to make ends meet.

[therorschach]

Yeah, maybe I should not get married or have kids.

[Orlando1234977]

I thought deferred meant you still have to pay it eventually? /confused

It's possible taab is using incorrect terminology.

401k is (typically) both tax deferred and deductible. It is deferred until withdrawal. Then it's possible to get slammed. How long is day care tax deferred???? >? .?? hmmm

Hopefully it's tax credit/exemptions to complement the deduction. Where's taxGEEK

[im2manly]

The most important thing is to not let the stress of these future costs consume you, especially for your wife who is pregnant.

It's a lot of money but nothing in your life will ever be more important than raising a child. As tight as things get you know you'll find a way to make ends meet.

Yea she is getting very nervous about it. I am just reassuring her that everything will be ok. Internally though I am very worried. No gecko, but for how much we make we should not be THIS worried about necessary expenses.

[Ctrainer]

I believe my car issues and student loan situation are well documented unfortunately. I also just got hit with entirely unreasonable numbers for adding wife and baby to insurance.

Oh, I am not talking about you or your wife's car. I am talking about having a 4 car family, two that are driven by teenagers. The car insurance rape that happens is epic...especially when one has already totaled a car...Good times.

[ThickAsABrick]

It's possible taab is using incorrect terminology.

401k is (typically) both tax deferred and deductible. It is deferred until withdrawal. Then it's possible to get slammed. How long is day care tax deferred???? >? .?? hmmm

Hopefully it's tax credit/exemptions to complement the deduction. Where's taxGEEK

Maybe. I ain't no tax expert.

He's touring with Journey.

[kvk1]

Oh, I am not talking about you or your wife's car. I am talking about having a 4 car family, two that are driven by teenagers. The car insurance rape that happens is epic...especially when one has already totaled a car...Good times.

plus you went for a white car

so there's an extra "terrible taste" surcharge

[Farley1324]

A Christmas gift for that special someone:


http://www.amazon.com/Dancing-Jesus-...7?tag=jhvgd-20

BookFetish.org
“What may seem like a simple, unnecessary child’s board-book for adults on the surface is actually an action-packed, step-by-step guide that might actually change your life. Or it may not… but can you really afford to take that chance? … Sam Stall firmly establishes that he has the necessary motor skills to write. By taking on a hard-hitting, polemic theme, Stall proves that one man’s blasphemy is another man’s sense of humor.”

I have no idea what to make of this.

Yeah, it is shocking. We are fortunate to have each set of grandparents take one day per week, so we only pay for 3 days/wk. Still very pricey, though. 2 is going to totally break the bank.

Our closest family is more than 700 miles away. Sucks especially for stuff like this.

[Ctrainer]

BUT...like Dom said, it's all good, it all works out and having a child is a wonderful thing!

[Ctrainer]

plus you went for a white car

so there's an extra "terrible taste" surcharge

But it is a Subaru Outback and white is an acceptable color in the lesbian community.

[kvk1]

But it is a Subaru Outback and white is an acceptable color in the lesbian community.

[Dominik]

plus you went for a white car

so there's an extra "terrible taste" surcharge

Now you're rustling Frep's jimmies.

But it is a Subaru Outback and white is an acceptable color in the lesbian community.

[VoxExMachina]

Y'all need to start a commune. Send a bunch out to work to make coin, and leave kvk back at home to watch the young'uns. He can talk to them about the three branches of government, give them a milk and they'll have a nice nap.

Enroll them in Lencho's school to save some extra money.

[kvk1]

Hey, Virginia is for lovers.

[Final_Rep]

Now you're rustling Frep's jimmies

I don't take style comments very seriously when coming from a no-avi DOTA nerd who has had the same faux leather wallet for a decade.

[ZoranM]

I reaally wanna see Interstellar. Stupid German cinemas, everything is in German. Dear thepiratebay, hurry the fawk up.

[kvk1]

Send a bunch out to work to make coin, and leave kvk back at home to watch the young'uns.

08:00 - 09:00: Breakfast

10:00 - 12:00: Bleeding Heart 101

12:00 - 13:00: Lunch

14:00 - 15:00: Studying the works of Aaron Sorkin

16:00 - 18:00: Video Games (DOTA DOTA DOTA)

19:00 - 20:00: Dinner

20:00 - 22:00: Falling asleep to onboard footage of F1 cars over the years.

On weekends we will practice how not to post on the internet by going through the entire catalog of Frep's spew on this website.

[ThickAsABrick]

I don't take style comments very seriously when coming from a no-avi DOTA nerd who has had the same faux leather wallet for a decade.

You should be saving up for head reduction surgery.

No more trinkets.

[Final_Rep]

On weekends we will practice how not to post on the internet by going through the entire catalog of Frep's spew on this website.

You are such a warm hearted person.

[kvk1]

You are such a warm hearted person.

I'm a carer.

[ZoranM]

I think Dom should ban the 2 of you for dissing a Mod.