Nicole

Top 25 Cities Where You Can Live Large on Less Than $70k

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We’ve all heard the real estate mantra: location, location, location. As far as price is concerned, where a house is located is typically more important than the actual features of the home. That’s why you can buy a sprawling six-bedroom, six-bath house for less than $250,000 in some markets and pay close to $1 million for a tiny one-bedroom condo in New York City.

Beyond real estate values, location also affects the overall cost of living – what you pay not just for housing, but also for food, transportation, healthcare and other everyday expenses. Salaries, of course, play an important role: A smaller salary goes further in places with a lower cost of living, while a large salary might be barely enough to get by on in an expensive city. (See also: 5 U.S. Cities with High Paychecks and a Low Cost of Living).

Top 25 Cities Where You Can Live Large on $70K a Year

With this in mind, job-hunting site Glassdoor recently came up with a cost-of-living ratio – calculated by taking a city’s median base salary and dividing it by its median home value – to find cities in the U.S. where your pay will go the furthest. Here it is: a countdown of the top 25 cities where you can live like a king or queen on less than $70K a year, along with each city’s cost of living ratio (a higher ratio number is better), median base salary, median home value and number of open jobs.

25. Raleigh, N.C.

Cost-of-living ratio: 30%

Median base salary: $62,000

Median home value: $209,400

Number of open jobs: 22,339

24. Minneapolis-St. Paul

Cost-of-living ratio: 30%

Median base salary: $65,000

Median home value: $219,400

Number of open jobs: 64,026

Read more: Top 25 Cities Where You Can Live Large on Less Than $70k | Investopedia http://www.investopedia.com/articles/personal-finance/010417/top-25-cities-where-you-can-live-large-less-70k.asp#ixzz4jbp6fMBh Follow us: Investopedia on Facebook

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        Make more money. You have to be able to make more money than you did last year. If you do this every year you work, you’ll end up ok. Invest 10% of your paycheck before anything else. Use a company 401(k) or automatic investment into an IRA to automatically invest 10% of what you make for your future. Retirement will be the biggest purchase you will ever make, be sure to prepare accordingly. Prepare for the worst. Don’t skip out on insurance and be sure to have an emergency fund. You should have disability, life, car, health, and home insurance. You also need to have at least 3-months worth of expenses in cash in a savings account as your emergency fund. Track your money. Use one of the million free money tracking apps to find out what you are spending money on. You’ll find out really fast if you are spending money on bullshit or on things you actually value. Be patient. Money does grow on trees, but trees take a long time to grow. Just keep watering that little hole in the ground and you’ll be good one day. Don’t borrow money to buy anything that won’t make you money. Don’t buy a car with a loan, because cars go down in value. Don’t buy clothes with a credit card, because clothes go down in value. Unless you are purchasing real estate or a business, you probably shouldn’t borrow money. Spend money. Life is meant to be lived. Spend money on what you care about. Travel the world, buy a nice pair of shoes, and go have a fancy dinner. Just be sure to pay cash.
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      Unless you have aBlue Apron subscription, the idea of having regular, home-cooked meals is probably more nostalgic than realistic. It’s tough to get motivated to pack a lunch every day when you work across the street from Panera. But you may be surprised to learn just how much you’re spending on meals out, and how that’s influencing your health.
      From June 2014 to July 2015, the average American household spent about $6,887 on food, according to household data from the United States Department of Labor Consumer Expenditure Survey. Of that amount, they spent about $3,983 on food for eating-in and another $2,904 on dining out at restaurants and takeout joints. That means the typical household is spending a whopping 42% of its food budget in restaurants.
      Now compare that to stats from the 1972-1973 Consumer Expenditure Survey, when Americans were spending a total of $1,154 a year on food, but only $422 (or 37%) eating out.
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    • QUICK REVIEW So, we have these six words or terms from Matthew 24 (Mark 13 & Luke 21) for which we are trying to evaluate whether we have chosen a more likely meaning of the term, or a less likely meaning in order to arrive at the INVISIBLE PAROUSIA doctrine. It might even be possible to trace how some of the terms were apparently forced into their special meaning after the decision was made to declare that the PAROUSIA had indeed already begun. BACKGROUND Most of the persons who set dates for the visible return of Christ in the 19th century just stopped setting them as soon as a date didn't pan out. But some had invested so much time and effort into it that this was apparently impossible. Hundreds of thousands paid close attention to the 1843 date set initially by William Miller. When it failed another 1843 date was set, then an 1844 date, and Miller quit setting dates. 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(Miller himself had mentioned the possibility of the 1870's date, half a century earlier.) When it failed in 1873, Barbour had spent as much of his life as Miller had on these dates. He changed it to 1874, and when that failed he was truly depressed. One of his contributors, B W Keith, went back to some teachings that had been promoted in the 1820's about a two-stage parousia. The first stage would be invisible, and Benjamin Wilson who also believed in a two-stage parousia had published the "Diaglott" as an aid to supporting this idea. (Later the Watch Tower Society--Russell--bought the rights to reprint Benjamin Wilson's Diaglott so that most available copies today have the Watch Tower's name in them.) Barbour credited Keith with the two-stage idea in his tract ("magazine") and it got Barbour back on track. Barbour spoke about possibly picking up an extra 5,000 of the Second Adventists each month as new subscribers. He fully expected at least 20,000 of the current number of Second Adventists to subscribe. In 1877, Barbour convinced Russell of the urgency of this chronology, because just 3.5 years after the presence had begun, they expected Christ's bride to be changed and to have gone up to heaven in 1878 while "lesser" Christians awaited heaven at a later date. So the Russells sold off most of the assets of their largest company so that Barbour could distribute his tracts and booklets more widely. When 1878 failed, subscribers dropped, and trouble also broke out between Barbour and Russell. Barbour blamed it on disagreements with Russell about money. Russell blamed it on a doctrinal disagreement. (Russell had "crazy" views about the ransom that are no longer considered valid, and Barbour had his own "crazy" view.) By mid-1879 Russell had convinced three major contributors to Barbour to come over to his own new magazine. 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