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A Bad Offer for Urgent Care in Southern CA


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Just want to show you guys what's currently being offered in So Cal.

 

Exer Urgent Care has a few locations in SoCal and this is their offer:

$65/hr as a 1099

3.5 patients/hr

ER or urgent care experience required 

12hr shifts preferred (no OT)

You would have to start your own lines

Malpractice and tail coverage

 

As bad as this is, I'm sure they will hire easily with this offer :(

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Wow.  You get to see 3.5 pph while starting your own lines (and likely everything else)

 

Meanwhile you make $130K a year.  Minus $35K a year in federal tax, minus $18K social security, minus 7600 in state income tax.

 

You bring home $69K a year, or $2650 every two weeks.

Meanwhile you pay 7.5% sales tax to the State (plus any specials)

 

Oh, and the median home value in West Covina is over $500,000.  If you COULD come up with $100K down, your P&I mortgage payment would be $1796 a month (30 yr @ 3.5%).  Fortunately Prop 13 froze your property tax at 1% of assessed value, so $5K a year, so another $400 a month for taxes.  Let's say insurance is another $400, so your total mortgage payment is $2600 a month...so HALF of your take-home pay.

 

It just doesn't make sense to be a high wage earner in California.

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Wow.  You get to see 3.5 pph while starting your own lines (and likely everything else)

 

Meanwhile you make $130K a year.  Minus $35K a year in federal tax, minus $18K social security, minus 7600 in state income tax.

 

You bring home $69K a year, or $2650 every two weeks.

 

Meanwhile you pay 7.5% sales tax to the State (plus any specials)

 

Oh, and the median home value in West Covina is over $500,000.  If you COULD come up with $100K down, your P&I mortgage payment would be $1796 a month (30 yr @ 3.5%).  Fortunately Prop 13 froze your property tax at 1% of assessed value, so $5K a year, so another $400 a month for taxes.  Let's say insurance is another $400, so your total mortgage payment is $2600 a month...so HALF of your take-home pay.

 

It just doesn't make sense to be a high wage earner in California.

It makes sense to be a high wage earner in CA if you think its worth it.

 

Net tax burden on most people is nowhere near that high. The single renter is going to get hosed, but that's not unique to CA. The person who buys the house is likely to have kids too. At that income they may have a very modest federal tax burden. The high state and local taxes increase the offset to fed taxes and help keep more money local.

 

IMO 5K is a very modest property tax in 2017 for a place with good schools, regular trash collection, prompt road repairs etc. that looks nice. My mom paid 9K in NH for a house she sold for 250K before going to assisted living. She got minimal direct services for the money after we were gone, but chose to stay because she liked the place and part of that was bc. of what the taxes were spent on.

 

I am well aware of the problems in many municipalities in CA with legacy costs etc. But not all places that are set up for high service level are Bell or Vallejo.

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Yes, kids would reduce tax burden, especially if they qualify for child tax credit. However the child tax credit starts phasing out for incomes over 110,000. If 2 parents both make $130k the child tax credit is gone or negligible.

 

Yes, the state income tax is also deductible on federal rates, saving you about $2k on federal taxes.

 

And New Hampshire does not have a state sales tax, nor do they have income tax. They rely on property tax only.

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Here's what $450K gets you in West Corvina,  3 bed, 1 ba, 1100 sq ft home on a 7656 sq ft lot.  http://www.realtor.com/realestateandhomes-detail/216-S-Gardenglen-St_West-Covina_CA_91790_M11781-23629

​Here's what $400K gets you in Oklahoma City:  5 bed, 3 ba, 3400 sq ft home on 10 acres next to a lake.    http://www.realtor.com/realestateandhomes-detail/4800-SW-159th-St_Oklahoma-City_OK_73173_M70177-67208

 

Nice place outside of Omaha, NE for $450K:  4 bed, 3 ba, 2260 sq ft, 10 acres:  http://www.realtor.com/realestateandhomes-detail/7351-County-Road-7_Arlington_NE_68002_M73501-31203

Junction City, KS for $317K:  5 bed ,3 ba, 2870 sq ft, 30 acres:  http://www.realtor.com/realestateandhomes-detail/2504-Poland-Rd_Junction-City_KS_66441_M80651-88030

Franklin, TN for $450K:  5 bed, 3 bed, 2810 sq ft on 10 acres:  http://www.realtor.com/realestateandhomes-detail/7360-Taylor-Rd_Fairview_TN_37062_M76144-16164

These are not "out in the boondocks" places, but moderately suburban areas just outside of large cities with tertiary care centers.
 

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Wow.  You get to see 3.5 pph while starting your own lines (and likely everything else)

 

Meanwhile you make $130K a year.  Minus $35K a year in federal tax, minus $18K social security, minus 7600 in state income tax.

 

You bring home $69K a year, or $2650 every two weeks.

 

Meanwhile you pay 7.5% sales tax to the State (plus any specials)

 

Oh, and the median home value in West Covina is over $500,000.  If you COULD come up with $100K down, your P&I mortgage payment would be $1796 a month (30 yr @ 3.5%).  Fortunately Prop 13 froze your property tax at 1% of assessed value, so $5K a year, so another $400 a month for taxes.  Let's say insurance is another $400, so your total mortgage payment is $2600 a month...so HALF of your take-home pay.

 

It just doesn't make sense to be a high wage earner in California.

 

But, but, but...the location is part of your "benefits!"

 

hahahaha, ridiculous - and I've literally had people tell me that when interviewing for "desirable" locations.

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Here's what $450K gets you in West Corvina, 3 bed, 1 ba, 1100 sq ft home on a 7656 sq ft lot. http://www.realtor.com/realestateandhomes-detail/216-S-Gardenglen-St_West-Covina_CA_91790_M11781-23629

 

​Here's what $400K gets you in Oklahoma City: 5 bed, 3 ba, 3400 sq ft home on 10 acres next to a lake. http://www.realtor.com/realestateandhomes-detail/4800-SW-159th-St_Oklahoma-City_OK_73173_M70177-67208

 

Nice place outside of Omaha, NE for $450K: 4 bed, 3 ba, 2260 sq ft, 10 acres: http://www.realtor.com/realestateandhomes-detail/7351-County-Road-7_Arlington_NE_68002_M73501-31203

 

Junction City, KS for $317K: 5 bed ,3 ba, 2870 sq ft, 30 acres: http://www.realtor.com/realestateandhomes-detail/2504-Poland-Rd_Junction-City_KS_66441_M80651-88030

 

Franklin, TN for $450K: 5 bed, 3 bed, 2810 sq ft on 10 acres: http://www.realtor.com/realestateandhomes-detail/7360-Taylor-Rd_Fairview_TN_37062_M76144-16164

 

These are not "out in the boondocks" places, but moderately suburban areas just outside of large cities with tertiary care centers.

 

Different strokes for different folks. Personally I'd have little interest in living a plane ride away from the ocean. For the same price (or less) as those houses I can get a beautiful house the same size in Connecticut. 5 minutes from the beach, fantastic schools, easy train/drive to NYC or Boston, and no worries about tornados and fracking-induced earthquakes. That's the beauty of such a big nation; we can all find our spot.

 

 

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Here's what $450K gets you in West Corvina, 3 bed, 1 ba, 1100 sq ft home on a 7656 sq ft lot. http://www.realtor.com/realestateandhomes-detail/216-S-Gardenglen-St_West-Covina_CA_91790_M11781-23629

 

​Here's what $400K gets you in Oklahoma City: 5 bed, 3 ba, 3400 sq ft home on 10 acres next to a lake. http://www.realtor.com/realestateandhomes-detail/4800-SW-159th-St_Oklahoma-City_OK_73173_M70177-67208

 

Nice place outside of Omaha, NE for $450K: 4 bed, 3 ba, 2260 sq ft, 10 acres: http://www.realtor.com/realestateandhomes-detail/7351-County-Road-7_Arlington_NE_68002_M73501-31203

 

Junction City, KS for $317K: 5 bed ,3 ba, 2870 sq ft, 30 acres: http://www.realtor.com/realestateandhomes-detail/2504-Poland-Rd_Junction-City_KS_66441_M80651-88030

 

Franklin, TN for $450K: 5 bed, 3 bed, 2810 sq ft on 10 acres: http://www.realtor.com/realestateandhomes-detail/7360-Taylor-Rd_Fairview_TN_37062_M76144-16164

 

These are not "out in the boondocks" places, but moderately suburban areas just outside of large cities with tertiary care centers.

 

Please stop giving away secrets haha!

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None of the places you mentioned allow for you to snowboard, surf, scuba dive, ride dirt bikes in the desert, be in a major city, go to major amusement parks, and hike in a forrest within an hour of each other as well as have great schools with the amount of cultural diversity offered here in California. Sorry, I've traveled around the US a lot in my old job as a consultant, and sure some places I liked like Tampa, Asheville, Austin, etc, but none of them compare to CA.

 

No I don't want to live in a desert with monsoons, dust storms, flash floods, and extreme hot and cold climate. I really don't care for snow or windy / icy conditions in winter and humid summers. I could care less for hurricanes and blizzards. Tornados do way more damage than earthquakes when you look at the frequency of events. Earthquakes are silly and I sleep through / don't feel most of them anyways.

 

Now pardon me as I take my kids to Disneyland with my annual pass after visiting my condo on PCH in Huntington Beach and having breakfast on main st (where regular world surfing competitions are held) with our beautiful 70 degree weather that fluctuates +/- 10 degrees year round and 6th largest global GDP.

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Point of parliamentary procedure!  

 

Flagstaff is less than 80 miles from where I am sitting and there are areas still metro a lot closer.  They get around 100 inches of snow per year.  Between the two, are all the other things you have mentioned, easily verified on a map.  There aren't any good ski resorts here though, because tribes, so point to you there.

 

You can carry concealed without a permit (unless you are underage or a felon) and shoot all you want on BLM land away from the city.  Being a libertarian state, criminals are dealt with and cops are routinely fired or arrested for violating people's civil rights.  This is public record.

 

I will grant you your ocean (and the 58 degree water if that is your thing) and Disneyland, a place I am quite fond of, that's a ~five hour drive. 

 

But it's sunnier here, the weather is the same/better 9 months out of the year, our government and economy are not punchlines, traffic is manageable 95% of the time and the cost of living is about half.  (I've never been in a traffic delay for more than about 20 minutes one time and that's when there was a fatal accident).    

 

I'll take the hot weather and the occasional (2-3 x / year) dust storm, which by the way are dramatic looking but almost completely harmless. They certainly don't burn anyone's house down.  And other than the strip near the water, southern california is most decidedly desert so there's no difference for the 85% who live inland.

 

Pardon me while I commute easily, and save and retire comfortably while living in a nice house without the need for bars on the windows.

 

EDIT:  I'll play too.  Here's $409K in Chandler (one corner)  http://www.realtor.com/realestateandhomes-detail/700-W-Oriole-Way_Chandler_AZ_85286_M17981-35886#photo0

 

Here's $364K in Peoria, (the opposite corner)  http://www.realtor.com/realestateandhomes-detail/19512-N-89th-Dr_Peoria_AZ_85382_M26570-73703#photo11

 

damn that's really nice...must resist...

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Well heck, if we are all playing Realtor.com:

 

$399k on the CT shoreline, 4br on 9 acres

 

http://www.realtor.com/realestateandhomes-detail/132-River-Rd_Clinton_CT_06413_M30970-36423#photo35

 

$390k, 3200sf 4br colonial, surrounded by farmland, 15 minutes from New Haven

 

http://www.realtor.com/realestateandhomes-detail/708-Totoket-Rd_Northford_CT_06472_M30598-37829#photo14

 

 

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Timon, agreed.   I live in rural California, in the eastern sierras, and actually, the location definitely is why I'm here.  I make a great living in Family Practice, house is paid off, student loan is paid off. California is not all beach, people. 

Eastern California is almost as different of a state (from coastal CA) as North is from Southern.

 

Different strokes for different folks. Personally I'd have little interest in living a plane ride away from the ocean. For the same price (or less) as those houses I can get a beautiful house the same size in Connecticut. 5 minutes from the beach, fantastic schools, easy train/drive to NYC or Boston, and no worries about tornados and fracking-induced earthquakes. That's the beauty of such a big nation; we can all find our spot.

Absolutely, I'm not intending to bash anyone who chooses CA.  Just pointing out options.

 

What happened to CT real estate?  I am pretty familiar with CT (although never researched real estate there), and I'm surprised at the prices you have posted here.  I would've considered MUCH higher seeing as much of coastal CT is just a bedroom community of Long Island (with the ferry services).  

 

300k in my area in New England got me 2000 square foot house on just under 10 acres, with pastoral views and sunsets every day......

Where?  10 years ago I was working in Boston and looking as far out as Fitchburg (the end of the red line) and $300K would have gotten me a nice house with a yard the size of a postage stamp.  

 

Again, the places I listed were within easy commuting distance of tertiary care centers, and all of the "civilized" culture that comes along with it.

 

None of the places you mentioned allow for you to snowboard, surf, scuba dive, ride dirt bikes in the desert, be in a major city, go to major amusement parks, and hike in a forrest within an hour of each other as well as have great schools with the amount of cultural diversity offered here in California. Sorry, I've traveled around the US a lot in my old job as a consultant, and sure some places I liked like Tampa, Asheville, Austin, etc, but none of them compare to CA.

 

No I don't want to live in a desert with monsoons, dust storms, flash floods, and extreme hot and cold climate. I really don't care for snow or windy / icy conditions in winter and humid summers. I could care less for hurricanes and blizzards. Tornados do way more damage than earthquakes when you look at the frequency of events. Earthquakes are silly and I sleep through / don't feel most of them anyways.

 

Now pardon me as I take my kids to Disneyland with my annual pass after visiting my condo on PCH in Huntington Beach and having breakfast on main st (where regular world surfing competitions are held) with our beautiful 70 degree weather that fluctuates +/- 10 degrees year round and 6th largest global GDP.

But if your'e paying $100-$300K LESS for comparible real estate, you are able to vacation (with entire family) 3-4 times a year to do any of those.

 

Looked at house with 160 acres for less than $500K...had it's own forest complete with stream and beaver dam.  

 

Homeowners insurance covers tornado damage....gotta get specific rider for earthquake damage.   I've slept through a tornado (along with every earthquake I experienced in two tours in CA and two tours in OR...but then got woke up by an earthquake in the midwest!!!)

 

Have fund in Disneyland.  I took my family (including extended family) to Belize a few months ago, Yellowstone this summer.  Planning on Honduras this winter, and then central/northern CA next summer!

 

Seriously --- I'm glad you enjoy CA, and I'm not in any way trying to demean your choice to live there.  I've lived there (twice) and the weather really IS great (well, okay...I was in Northern CA, so not so much).  I'm just poking a bit of fun with you, and showing other options to people.

 

 

Well heck, if we are all playing Realtor.com:

 

$399k on the CT shoreline, 4br on 9 acres

 

http://www.realtor.com/realestateandhomes-detail/132-River-Rd_Clinton_CT_06413_M30970-36423#photo35

 

$390k, 3200sf 4br colonial, surrounded by farmland, 15 minutes from New Haven

 

http://www.realtor.com/realestateandhomes-detail/708-Totoket-Rd_Northford_CT_06472_M30598-37829#photo14

 

I am very surprised by those.  I assumed coastal CT prices would be much higher.

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I am very surprised by those. I assumed coastal CT prices would be much higher.

Once you get away from Fairfield County (closest commute to NYC) it gets much more reasonable. You'll still pay top dollar for property on the Sound, but drive a mile or two inland and it's a different story. I've got a vineyard and a horse farm on my road, and yesterday I was able to drive 5 minutes into town and take my kids for a walk on the beach, but most houses in our part of town are under 3-400k.

If you ever decide to reenlist and come work at the Academy let me know and I'll show you the neighborhood!

 

 

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