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My 19-year-old son refuses to look for a job and he doesn’t want to go to college. Should I continue supporting him or make him leave the house?

My story is very different from your son’s. I had been a straight A student through high school with many scholarships and colleges lined up-and then I was felled by a systemic infection my senior year that caused me to drop out. I was devastated. But, after 13 months spent flat on my back, in and out of hospitals, wondering if I would die, I recovered enough to start to reclaim my life.My parents were divorced. I lived with my father, which was the better arrangement, except that several factors including the divorce, job loss, and my illness drove him into a severe depression. The house belonged to my grandmother, who wanted someone to look after her, but it was over 200 years old and was in very poor condition. It was far from an ideal home, but it was somewhere that at least had enough roof left to keep us mostly dry.And so at 19, trying to come back from being so sidelined and feeling I had already lost the race, I watched my friends start their sophomore years as I went to look for a job. I started looking in May (immediately after getting my GED), and didn’t find anything until October. Nobody wanted the failure. Nobody wanted someone who hadn’t worked a job during high school because the promise of a college scholarship was enough to warrant not having work experience. I had no car. I didn’t have a license because there was no car to practice on. I had no real promise of being able to get back and forth to work easily because there was no public transit where I lived. And my health issues always came up in interviews when I was asked why I had a GED but could reference all my clubs and awards, which scared off employers.My first job was as a seasonal cashier at Toys ‘R’ Us. It lasted until the last week of December. I made pennies. I had no health insurance. I was promised full-time due to my sales record and was cut last minute with no warning. After a good 20 minute cry, I marched into Staples and landed a job there. I still lived at home with no car.Staples granted me health insurance, and about $.75 more per hour. I started at community college that year for Business Administration. Put myself through it with no familial help at all. Paid out of pocket on a payment plan and survived on canned soup while I bought the groceries for the whole house, as I was the only one with a job. In my second year there, my grandmother found an envelope tucked away in the corner of her closet with my name on it. It was from my late grandfather. $1200. He had been putting a little away for me at a time and had intended to give it to me when I turned 18. This $1200 bought my first car in April at 21 years old, exactly one month after I had passed my drivers test in the world’s scariest how-is-that-Street-legal-Toyota.It didn’t run when I got it. Had to flatbed it back to the house and worked on it, incurring registration penalties all the time, until it was road ready in July. Had to do all the work between my dad and I, who was able to pitch in some money here and there, because I couldn’t afford a garage. I had to borrow the money for registration and inspection, and even the first tank of gas. I had nothing left in the bank, because I wasn’t making enough to save. But now I had transportation. I still lived at home.Because I had wheels, I could expand my horizon for places to get a job. Now that I had some experience to back me up, a few avenues had opened. I got a job as a website coordinator (basically helping people who bought a custom website package from a canned site company get exactly what they wanted from the designers), which paid significantly more and had more benefits. Now I had dental and I could afford what had gone wrong with my teeth in the years of canned soup and no insurance. I got my associates degree, and applied to transfer for my bachelors. I still lived at home, but I thought a lot about moving out. I just didn’t have a lot in the bank. I’d been taught to keep money for an emergency fund, and I didn’t have that. Putting myself through college was expensive, even with scholarships and aid. Paying my car insurance and maintenance was expensive, as a new driver with a very old and rusty car. Still, I felt great. Like an adult. Like the world was my oyster.And then they told me they were selling the house and they weren’t getting a new one.I panicked. No one knows exactly how long the process will take from start to finish. Would I have weeks to find a place? Or months? Out of my social circle, a third were permanently dorming, a third were almost-or-over 40s with their own children and lives, and a third were the kinds of kids who planned to live at home for as long as possible (much to the chagrin of their parents) so I was certainly not welcome there. I started the search in earnest.I got extremely lucky. Most places were way out of my reach financially, except one 600 square foot apartment two towns over from where I spent the first 22 years of my life (and conveniently one town over from my job). It was the first one I saw online that would fit what I could do all by myself. My dad went with me to view it, of the opinion that I shouldn't take the first one I viewed, but I left with a rental agreement. I moved out on my own in May of 2014.The story goes downhill from there. It was a nice enough starter place, but it had unusually strict rules (no singing allowed, even along to the radio, no matter what time of day, as an example) and very strange neighbors. I went to the hospital more than once with swelling of the airway due to whatever the people using the laundry room across from my apartment were washing their clothes with. The plumbing broke down and flooded the place often, and sometimes I had to drive a couple towns over just to park my car at a friend’s, and then uber or walk back home because someone was having a party and had taken over the entire parking lot. But it was MY home. I was free! I was an adult!And then adulthood set in. Medical bills my insurance wouldn’t cover started piling up. My car was in the shop a lot. I had to take out student loans for the first time at high rates and was no longer receiving financial aid because I made “too much money.” I had no choice but to go into credit debt to keep up. I went back to eating soup and ramen. I got sick again. My grades slipped. And then my car broke down and wasn’t coming back.I had to get a new-to-me car. I did my homework, I shopped around, I asked for reviews and advice, and still ended up with a lemon on a loan. I didn’t even have the down payment- I had to borrow that, too. This started a tailspin chain of events. I had to fix the car, which cost money and meant I had trouble getting to work. So I got a new job. This time, it was a work-from-home remote job with some benefits and a $20,000 increase. But the debt kept piling up.I cut out entertainment, coffee, fitness expenses, and all extraneous expenses that weren’t utilities, rent, insurance, debt payment, and what little food I could live off of. Prices rose, I suffered. The job that promised flexible hours worked me 18 hour days, 7 days a week. The garage swindled me for an egregious amount of money with parts that had been superglued together. I dropped out of school my senior year due to experiencing an ulcerated stomach and a TIA.I was 25.So where does it end? Well, I got the car running- for the most part-but I still have it and my check engine light is baffling every one I take it to, which means I can’t get it inspected. I ended up in a serious relationship with someone who was stuck in a bad situation, but also had a cat, which was not allowed in my apartment, so we had to move. I lined up a better job when we moved two states away, but it fell through after we paid $10,000-almost my entire life savings-to get here. I have a nicer house, sure, but I still rent, I have no collateral, and I’m paying more for the place in rent than it’s worth in a mortgage, but I don’t have any down payment to buy. My student loans came due. I had an ER trip for surprise kidney stones two weeks ago that is costing me $2,000 out of pocket. I make $3,500 a month. I pay $1,600 in rent. My fiancé works in a deli and almost everything he makes goes to groceries because prices are so high here. We can’t afford a cubic zirconia ring. I am in shambles most of the time wondering if today is the day I will end up homeless.Today is my 26th birthday.So what does any of this have to do with your son? I was reading through a lot of the comments here, which speak from the perspective of a parent old enough to have a child at or just after college age that they have had to kick out. And, in your case, I agree with them-he needs to find motivation to live, and if consequence is what will make that happen, then so be it. But a word of caution to you that I can offer from this perspective. I am struggling, and I am nothing if not motivated. It is destroying me. I don’t even feel like a person anymore-just some sort of zombie that’s been tarred and feathered by debt and pain. I job hunt, I have degrees, I have experience, I don’t even have tattoos or piercings or an exciting hair color in order to maximize my chances of working in a boomer-based world, and I’m getting nowhere. We can’t move again because there’s no first, last, and security available. If my car breaks down one more time I’m parting it out and we will walk the six miles to the grocery store (and a headlight went out today that will cost $35 to replace, so I’m on the brink). I spend most of my days doubled over in agony from the ulcers. And I have nowhere to go. My dad is homeless, my grandmother lives somewhere I cannot, and my sister and her child take up my mothers house. My fiance’s family is not an option. It is agonizing to know there is nowhere but down to go if I make a mistake because I’m human, or if something else goes wrong, God-forbid.So my advice is this: when you pull the trigger on kicking out your son, remember that finding a job and being able to get out on his own for real will not be instant in today’s world. If he opts not to go to school and dorm, sit him down and set a date a couple months out for when he needs to be out by. Explain to him how it works-this is not taught or talked about in most schools or by most people. You will need to tell him he will probably need to work multiple jobs, you will need to tell him how renting works and what questions to ask, you will need to tell him how best to budget what he makes. Let him know that if he does not find or seriously attempt to find a job and a place to live by x date, he will wake up to find all his belongings on the corner and he will need to fend for himself. Alternatively, the same could happen if he does not, for example, start paying you rent to live with you from that point forward. But also let him know you can answer his questions if he has any. It may sound like coddling, but trust me, a little extra compassion in the world we live in goes a long way. I imagine he may get mad, he may not even take you at face value at first. But your compassion in this matter will hopefully prevent your son from becoming someone like myself.Because, I may be 26, but if I could go back, if I could go home for just one more night, even just to sleep on the couch with the broken spring that poked you in the behind, I would do it in a heartbeat. This world is not a good place to become an adult. We do it because we have to. We often want to. But we miss you. We miss security. We miss having someone to turn to that always seemed to know better than us. We are scared, and we are losing the battle to make it to a place of peace and calm where we can become like you and have homes and kids and a sense of stability. Give him consequence, and follow through by all means, but don’t anticipate him to facilitate change quickly, because the world just isn’t built for that anymore.Good luck, I wish you and your son well.

Who is responsible for 'food and lodging' type expenses of MLB players during the season, the team or the individual player?

In the home city of the team the player through his agent makes their own living arrangements. The agent will arrange an apartment for single players or married players who aren’t relocating their families. If the agent has several single players on the same team they may share a rental to reduce costs.When traded the agent makes arrangements to pack and move the player’s belongings to the new city, finds temporary living accommodations if needed, and oversees unpacking of the belongings.Players on long term contracts often buy a property so they are afforded more privacy.Travel arrangements are part of the Collective Bargaining Agreement. This year’s agreement significantly improved those arrangements but they have always been pretty nice in relation to the way you and I travel.The following is excerpted from the 2017–2021 CBA. I cleared up the legalese to make it shorter and easier to readARTICLE VII—Expenses and Expense AllowancesA (1) All proper and necessary traveling expenses of Players while “abroad,” or traveling with the Club in other cities, including board, and first-class jet air and hotel accommodations, if practicable, for any travel that is directed, requested or required by the Club.That’s pretty straight forward. If the team wants you someplace they pay for everything including first class air fare. In the following we are discussing players on the active roster; entitled players.Paragraph (1) (a) further defines air travel and seating requirements. If first class is not availablethe Club shall provide a single seat in the next highest premium seating classification(If) Players travel in the coach section, the Club shall provide three seats for each two Players and first-class mealsIf a Player is booked in a single seat and an upgrade . . . (is available) the Player may purchase such upgrade and the Club shall reimburse the PlayerIt also specifies that starting next season all flights will be nonstop.Paragraph (1) (b) lays out the requirements for hotelsClubs have to provide the team’s union rep a list of all the hotels they intend to use from spring training through the regular season.Starting in 2018 the hotel must have room service meals available until at least one in the morning. For some reason the union rep can waive this requirement.Players get private rooms all year; spring training through post season.No contract clauses may be added that give individual players better arrangements.Paragraph (1) (c) says bus travel other than to and from the ballpark is forbidden unless there are “extraordinary circumstances” making air travel impossible or the cities are less than 200 miles apart.On the road teams must provide two bus trips from the team hotel to the ballpark; one early and one late.Home games which are scheduled or rescheduled away from the park of the home Club shall be considered road games for the purposes of Players’ meal and tip allowances, hotel accommodations and transportation.On spring training bus trips each player gets two adjacent seats. This is primarily a factor in Florida where bus trips are long but under the 200 mile distance.When the last game is over players don’t always go back to the team’s home city. Paragraph (2) provides First-class jet air fare and meals for players going home after the season is over without regard to where the season ended.It goes on to cover the possibility that a team “abroad” may not provide transportation back to its home city. That seems an odd situation but apparently has happened or it wouldn’t be in the CBA. In that situation a player who elects to fly to the team’s home city before flying to his home is paid reimbursed for first-class jet air fare and meals on both legs of his trip.If a player has two homes he gets paid for travel to the one he actually flies to, not necessarily the one farthest away.Paragraph (3) requires players on major league contracts receive “necessary traveling expenses, including first-class jet air fare and meals en route from their home to the spring training location.Paragraph (4) requires that players traded in-season or during spring training receive “all traveling expenses, including first-class jet air fare and meals” needed to get him to the new location. Teams must also pay to fly the spouse (and presumably the kids though that isn’t specified) for one assignment during the championship season.The paragraph also includes language recognizing the spring training allowances in section Section C and prevents double payment while allowing offsetting the amount due by such allowances.Paragraph (5) guarantees the same allowances for a player terminated in season to fly to his home city.Paragraph (6) provides the same standard of travel pay for a player with a military training commitment to and from his training.Section B of the same article covers player meal and tip allowances.Players who have to report for a flight before noon get a full day’s allowance while those reporting after noon get half a day’s allowance. Players arriving home after six PM get a full day’s allowance while those arriving before six PM get half a day’s allowance. There’s no deduction for in flight meals.Subsection B (3) provides that players entitled to the in-season meal and tip allowance in 2017 received $102 a day for “any day on the road or traveling day that the Club does not provide a meal in the Clubhouse” that comply with the standards in attachment 47. That attachment specifies nutritional requirements and that a chef be provided among other things.If a game is postponed two hours or less before first pitch players get $30 a day. Postponements announced more than two hours before first pitch entitle the player to the full $102.In addition:Article IV entitles “A Player required to be physically present during (contract) negotiations during the offseason shall be entitled to be paid by the Club for round trip first-class transportation and first-class hotel costs, and a daily meal and tip allowance, at the same rate as the in-season meal and tip allowance.”Article XIX(C)(3)(d) provides that a player on the disabled list but sent to a minor league club on a rehab assignment “. . . shall be treated as if they were Major League Players on the road for purposes of hotel accommodations and the daily meal and tip allowance.”A cost of living adjustment formula and procedure is included for each subsequent season.Spring training is different. I suggest reading the CBA to get that detail.

How much salary is enough to live comfortably in UK (London) for a family of 3?

Theoretically there is nothing called as enough salary, specially in London. There is no end to things you can spend on and what you can buy. So fact is you can spend all you earn or even save money with reasonable salary.However, coming to practical figures I will try to paint something that is achievable. Even though London is one of the most expensive city it is very liveable across zoned and distance from central London.Ground rules - if you are in London, ditch the car. A lot many good flats in zone 1–4 come without parking. Also you will end up using the tube as it is faster than driving your car inside London.Identify the zone you want to be. A lot many immigrants try to settle next or as close as possible to the work area. Given the excellent communication links, choosing a 10 mile commuting distance with reasonable travel time should be achievable.Avoid the cultural stereotype. Lot of my friends tried to get a flat where a particular community is known to be. They ended up paying a lot more for poorly maintained flats as those are always in demand.Now talkng figures. Your rent will be around £2200 for a 2 bed in decent locality within zone 1–2. South London can be an exception and you can look south of Clapham for more affordable 2 bed rentals. As you move to the outer zones the rent will keep dropping. Zone 3–4 will be about £1600–£1800. Zone 5–6 will be £1100-£1400.Note that your commuting cost and time increases as you go to the outer zones, assuming you will travel to the city (central London) everyday. You can get even cheaper rentals but be careful when you sign up. There can be many hidden facts of tenancy and you might have to cough up a lot as the tenancy agreement is rolled out.Your house hold groceries should be between £500-£800/month given where you shop and also your eating habits. There is a whole range of stores in order of Lidl, ASDA, Morrison, Tesco, Sainsbury’s, Waitrose, M&S. Again there are some stores in which I will never set my foot on even if they give free offers but that is a matter of choice and you will be able to figure that for yourself in 3 - 4 weeks.Eating out. If you go somewhere average twice a month in Cental London that will be about £300. You can again tweak your choices and eating out preferences. Throw in a bit of take away instead of fine dinning when you crave some new food.Finish it up with Pub crawls. Make a policy not to spend more than £20–30 in pubs every week and may be one judge blast of £40–50 once in two months.I hope that will give you enough idea on expenses in London. As I said in the beginning a lot will depend on your choice however make sure to enjoy London and the beautiful city through every season. Good luck.

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