I recently underwent inpatient surgery. I have several plates in my leg from a work related accident.
Through it I accrued over 15,000 dollars in debt for the procedure. I am uninsured. Fortunately, my annual income fell below the poverty level. My biggest expenses are being covered. I am grateful, the system isn't that bad....
What of a family of 3-7, here are some statistics to toss around.
Ohio's average annual income
Ohio Estimate Margin of Error Total: 56,148 +/-388
2-person families 48,332 +/-640
3-person families 58,130 +/-970
4-person families 68,579 +/-1,189
5-person families 69,433 +/-1,611
6-person families 65,214 +/-3,809
7-or-more-person families 58,796 +/-3,785
Annual housing expense based on ownership, performed through a mortgage calculator. Taken with the average income release by census. Property taxes were taken at 12% of total value(may vary by locale). 6 percent interest rate is applied. The annual works out conservatively to 15,960 dollars.
57,000
5000 down
6%
3500
458 6 months
conservative: aggressive:
172,000 211,000
166,500 206,000
995. monthly mortgage 1235
331.75 insurance 331
1330. monthly payments 1567
15,960 annually
http://cgi.money.cnn.com/tools/houseafford/houseafford.html
Total grocery expense in a year. 3,700 dollars.
This is based on 1.9 visits a week at 35 dollars a visit for 52 weeks. A conservative estimate in my opinion
.
http://www.fmi.org/facts_figs/?fuseaction=superfact
utilities(gas, electric, water, phone) based on personal expense two person occupancy of 2,400 sqft. House
5,500 dollars annually
Based on 2006 study by USDA(United States Department of Agriculture)
Estimated average expense per child based on two-parent and single parent families 10,600 and 11,600
http://www.cnpp.usda.gov/Publications/CRC/crc2006.pdf
I could not find qoutable statistics on gasoline expenses. So we will work up our own. Tank of gas 15 gallons at 3.19 is 47.85 twice a week. 95.75. 52 weeks a year
4,979 dollars annually
basic car expense, again quoutable sources were limited. We will perform our own analysis. If you own it's obviously less than a lease in this equation. We can make it easy too.
200 dollars a month * 12 months=2,400 dollars.
Insurance conservatively: 50 dollars a month * 12 months = 600 annually.
Thats 3,000 dollars in car expense.
All total becomes 45,629 dollars a year spent from 57,000 leaving you with roughly 10,000 to play with. I don't know, can one live on that. Throw an accident similar to mine, and it's debt in the near future.
Meanwhile, profits soar for pharmaceutical companies, they are just now being reigned in. Petroleum companies have seen profits never higher. The health care industry is about to get it's hands on the biggest contract ever. That's right the American Public. The industry is going to be subsidized by the Federal Government. Not run by or administered by. They are going to be handing out money to privately run institutions to take care of us. Alright something is funny hear. The politicians and lobbyists have found a way to wrap up health care make it appear charitable while lining their pockets with tax money that I thought was meant for highways, and parks, and the armed forces.
So put your money away, spend it, I don't think it matters. How can one expect to rise out of a mess when we just keep tossing money around with no accountability. Insurance has become a racket to know no bounds. Watch sicko, it is gut wrenching, I don't care if you don't like Michael Moore. There is a scene in which a French government worker is interviewed, she states health care is for the people and the government must make the people happy. The publicae strike fear in the government. Interesting, I thought it was the other way around.
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i recently had a neck injury but i decided not to go to the doctor. I figured the majority would have to be out of pocket and my mom cant afford it now. it costs us around $100 bucks for a grocery trip Healthcare, gas, and food cost so much its the middle and lower class who should be getting the tax breaks and not the upperclass who can afford to spend 100 dollars on groceries.
It is amazing how families survive. A show of the human spirit is what happens in hard times. We as people of this Republic must show our strength by standing together and demonstrating we will not be pushed around for better stock value's and tax breaks. Money? it is what drives us, there has to be a way to better distribute it. So far the current experiment seems to work but the scales are tilting as companies report record profits while unemployment is at it's highest in 20 years.