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it seems the two of you have a spending problem. $ K on credit card bills seem a excessive for middle class people. also daycare is expensive for 2 year olds. mothers should really be exclusively with their up to age 5 or 6. since neither of you can afford to do that, i suggest finding a passive source of income. since you found this great new job, is there a way you could get a to make an investment or otherwise start a method for a passive source of income? also as a stay at home mother, is your wife helping you with your business or is she just out shopping all the time? you need to come up with a business plan for how to financially manage your life together and come up with a list of rules. your first rule should be- no shopping unless absolutely necessary. similarly not going out to extravagant dinners all the time. second rule should be she should help you with your consulting firm no 3 find a passive source of income. houses are never a great investment, unless it's already paid off and you are using it as rental property as a passive source of income. instead of selling your seattle house, why don't you use it as a rental property? my cousins recently bought a second house, and they are using the first house income to support their parents in which they are getting a large tax break. they also bought their parents a new house and the second house is paying for their mortgage. just "getting a job" isn't a great idea unless she is going to paid mid 6 figures because the daycare expenses add up significantly. most of all, you need to work as a team to solve your problems and come up with some viable solutions. if both of you are bad with money, then make an appointment with a financial advisor or personal wealth management or accountant and how you can benefit from tax breaks, tax incentives and getting a for attaining a passive source of income. good luck~ find local sluts tattooed and sexs in Smyrna Tennessee
The Los Times reports that , illegals live in the counties comprising the greater Los area. Their economic activity is mostly underground, which means the employers pay low cash wages, no overtime, no benefits and no taxes . Chiang of the State Board of Equalization, California's tax oversight agency, estimates that the state loses $7 billion a year in unpaid taxes because of the underground sector." And while the tax collections are miniscule, the payments to immigrant groups overall is large: "The. Census Bureau reports that percent of Hispanics receive means-tested government benefits compared to 9 percent of whites." Education also takes a hit due to illegal immigration. The same source notes: "Even though California spends $ billion to educate who are illegally in this country, nearly half of Hispanic adults have not graduated from high school." The total cost nationwide to teach of illegal aliens is $ billion nationwide. The cost extends into the area of and law enforcement. "Almost 25 percent of all inmates in California prisons are from Mexico." begging the question, why arent they deported? Which would only beg the response, if they are deported, how can you stop them from coming back? These costs get in the latest Medicare, the Federal Government is picking up the tab for illegal alien health care:. hospitals in border states provide at least $ million a year in uncompensated emergency care to illegal aliens. "Mr Borjas, an economist at the University of California, San, and Trejo, another economist at that university's campus, completed a research paper in looking at immigrant population in the welfare system. Its findings dispel the myth widely propagated that only economic benefits arise from rising immigration. The two confirm the "widespread perception that unskilled immigrants are particularly prone to enter the welfare system, and that entry of large of immigrants in the past decades has increased taxpayer expenditures on income transfer programs"-that is, welfare and other government programs . The two also found that immigrant households receive a higher level of welfare payments than do native households." hosting private encounterI'm sorry you are in this situation. First, because even though you have a good income, your expenses exceed your income and your hubby is still of the mindset that he is earning the big bucks he was earning before. Also, it must be extremely frustrating that he won't listen to you. It sounds like you might need a couples counselor as much as an outside financial adviser, but I would bet Hubby would resist both. As someone who was in a similar situation, I can tell you that harping on it not help. He think you are not supportive or that you are undermining his potential success with negativity. You need to remind him that you him and appreciate his hard work. Do not quibble over which Chinese restaurant is cheaper. In fact, try not to talk about money at all for a while. Then one day, go for a picnic in the park and while he is in a good mood, tell him you need his help. Tell him you are sad. Tell him you are worried about the future. If he loves you, he want to make you happy. He want to help you. Put the ball in his court. But you must insist he start handling the finances or at least sit down with you to go over the bills. Divorce is not the answer. It sounds like you need each other. You have family members whom you have helped in the past with no expectation of repayment. You might have to rely on their help without expectation of repayment. Finally, you should consider filing bankruptcy to get out from under your debt. He might think that is immoral too, but you might have no choice. girls dating
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