FAFO

#501
theLBC said:
Click to expand...


I'm likely more sympathetic than most on this topic but this one is throwing all different kinds of smoke to me.

I can believe the $90K balance but 17% interest rates... I'm just not seeing how that is possible for someone her age.

If I remember my loans right (and I'm sure I'm darn close if not) the subsidized loans were 4.5% and the unsubsidized loans were 6.5% for my undergraduate. Granted- the interest rates were (at that time) quite a bit above what private loans offered BUT there were certain options/contingencies available by keeping the student loans with Sallie Mae rather than consolidating them with a private bank/credit union like most of my "smarter" colleagues did.

How this woman was able to move that large of a balance to a loan rate of 17%... I'm just racking my brain on how that could happen. As far as I know they don't offer consolidation loans with adjustable rates and if that's accurate- then the closest thing I can think of is she rolled the debt onto an unsecured credit card (hence the interest rate) and was suckered in with either promises of a reduced/0% interest rate for the first year or two and/or she'd get "points" or "cash back" from the debt she rolled over to said company.

If there's any accuracy in my assumptions- then the discussion can no longer be about a dumb 18 year old signing a note without knowing anything and instead becomes a college 'educated' 20 something or another having all those extra years of school and not having learned anything of any intrinsic value (which I have a much harder time being empathetic for).
 
#502
theLBC said:
she could get 40 years

Click to expand...

1757041906817.png
 
#504
packratt said:
And you need to choose a degree that you can actually earn a living with. A masters in underwater basket weaving or gender studies isn't going to pay the cell phone bill much less all the other bills.
Click to expand...

Your statement is absolutely correct but (respectfully speaking) even for the "good" degrees they continue to increase in expense (due to demand) and that increases the supply of new graduates in said field which in turn lowers the compensation for "late adopters" in those fields.

As hard as it is for me- I'll try to not be overly long winded. Some examples that I've seen personally...

-There was an absolute boom for anyone with a degree or certification in web design up until the early 2000's. For a time it was a foolproof career with unlimited growth... until it wasn't and we had the Dot com bubble bust and those in the pipeline to be web designers ended up working at Starbucks.

-A few years later I particularly remember finance being a hot degree, one you couldn't miss with, until the "Great Recession" came along and all the "finance bro's" were laid off in droves and the recently graduated... well many of them too ended up at the Starbucks equivalent because that profession/degree went flat.

-You heard it here first, the next major bubble we're going to see is in cybersecurity. There's only so many jobs in that field that exist & the professionals worth their salt have programming/networking/etc backgrounds and grew into cybersecurity. These recent grads become greater every year because that's the next "sure thing" for a career but I'm telling you the bubble is going to pop soon and drastically.

-On the topic of the IT career field, you've heard it here first (again) but one segment being decimated is networking professionals because the trend is for companies to outsource that to "cloud" companies (essentially just massive data centers) and they no longer need to employ networking staff. Remember a few years ago with the "learn to code" quip? Well the recent compsci majors are eating their words now because the tech industries are quietly but largely scaling back. Part of the phenomenon with this is how rapidly programing languages are changing. In my time a solid foundation were languages such as C++, C#, Java, HTML and then in short order you saw languages like Perl, Ruby, and now python come into vogue and in short order. The one programing language I've seen continue to stand the test of time is COBOL and that's because all the programs are "legacy" and nobody teaches it because COBOL is 'dead'.

I'm only going to rant if I keep going on and that's not the intention of this thread. I just want to say that college is increasingly more expensive, the "good" degrees are a shrinking commodity, and the only guarantee one has in graduating is that they' owe whatever note they carry with Uncle Sam's backing to Sallie Mae.
 
#505
theLBC said:
Click to expand...

What chaps my proverbial ass on this- the programs that enable this are set up as a safety net for children but due to how they are... I'll say "implemented" it's the very same children we sought to protect that suffer under it and perpetuates a cycle of said children repeating the learned & government enabled behavior.

But "we" pat ourselves on the back and say we threw money at something so clearly we care & fixed things while buying our heads in the sand that the war on poverty for 60+ year or so hasn't fixed a goddamned thing and that's all hunky-dory because the problem is we haven't thrown enough money at it for decades.
 
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#508
theLBC said:
what we have here, is a failure to communicate....

Click to expand...

Not enough to go on to form an opinion here...

Up until a few years ago I likely would have blindly taken one side- now, I just don't know.

Let me put this a different way-

Authority figure (cop) disrupts your business and immediately demands to see your "papers". Not a wild accusation here- that's exactly what happened. No explanation as to why they were pulled over, just "give me your papers". As the traffic stop progresses, he then says he pulled her over because her "license" was expired.

Now that I'll need to know more about what he means with "license". Driver's license? How would he know that without stopping her in the first place? Vehicle registration/"license"? He already said her tags were good. So the unanswered question is WTF is this conversation occurring in the first place because the video hasn't shown any evidence of probable cause that I can see.

And I'll reiterate- I really do hate that I now think the way I do about this, but my eyes have been opened to the inner workings or our legal system and as such I can no longer give the police the benefit of the doubt and have a much greater understanding of the "concept" of innocent until proven guilty although bitter on the reality of how it's more often the inverse of that with the primary witness being the arresting officer (who likely was incentivized for making such arrests and up until recently with body cam footage are we now seeing how prevalent the corruption has become).
 
#509
Sean the Nailer said:
Dumber than a sack of hammer-handles. At least a sack of hammer-heads would be useful to beat somebody into comprehension. This broad is a wonderful candidate as an organ donor.

So that OTHERS may live.....
Click to expand...
That's not what I'm seeing here at all. I still don't have a grasp on why she was pulled over in the first place & maintain the belief that for no reason other than breathing air in this nation she should be afforded the expectation to go about her business without harassment provided she does so in a legal manner.

We can't "make up" bullshit to "fish" for further bullshit and call that professionalism. That shit doesn't fly.

-LD
 
#517
The D said:
I’m certainly not against sending the illegals back but these raids of people just trying to work is not a good look.
Click to expand...
Illegals are able to find work. Work that pays well enough to live off of (a living wage). Maybe welfare is paying too good?

There's plenty of ways for someone to come into the country legally and work. As with the clot shots. No sympathy.
 
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#518
The D said:
I’m certainly not against sending the illegals back but these raids of people just trying to work is not a good look.
Click to expand...
we don't always know what the operations are targeting and why.
maybe they were looking for specific individuals that had committed crimes...or maybe the business was reported by a law abiding citizen.
people make a big deal over "home depot" arrests, but if a known criminal day laborer has no listed address, where are they supposed to look?

my wife (a citizen from el salvador) often complained about illegals at her work. she wanted me to call somebody :p
some of her co-workers (legal residents) were replaced by illegals. i gave her the number to call (this was many years ago)..
 
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#519
softcock said:
What ?
-
They Not Doing This Enough
-
Click to expand...

DarnYankeeUSMC said:
Illegals are able to find work. Work that pays well enough to live off of (a living wage). Maybe welfare is paying too good?

There's plenty of ways for someone to come into the country legally and work. As with the clot shots. No sympathy.
Click to expand...
Highest priority illegals should be the violent ones. Once they are taken care of, sure go after people who are just here working
 
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#523
LuckyDuck said:
Your statement is absolutely correct but (respectfully speaking) even for the "good" degrees they continue to increase in expense (due to demand) and that increases the supply of new graduates in said field which in turn lowers the compensation for "late adopters" in those fields.

As hard as it is for me- I'll try to not be overly long winded. Some examples that I've seen personally...

-There was an absolute boom for anyone with a degree or certification in web design up until the early 2000's. For a time it was a foolproof career with unlimited growth... until it wasn't and we had the Dot com bubble bust and those in the pipeline to be web designers ended up working at Starbucks.

-A few years later I particularly remember finance being a hot degree, one you couldn't miss with, until the "Great Recession" came along and all the "finance bro's" were laid off in droves and the recently graduated... well many of them too ended up at the Starbucks equivalent because that profession/degree went flat.

-You heard it here first, the next major bubble we're going to see is in cybersecurity. There's only so many jobs in that field that exist & the professionals worth their salt have programming/networking/etc backgrounds and grew into cybersecurity. These recent grads become greater every year because that's the next "sure thing" for a career but I'm telling you the bubble is going to pop soon and drastically.

-On the topic of the IT career field, you've heard it here first (again) but one segment being decimated is networking professionals because the trend is for companies to outsource that to "cloud" companies (essentially just massive data centers) and they no longer need to employ networking staff. Remember a few years ago with the "learn to code" quip? Well the recent compsci majors are eating their words now because the tech industries are quietly but largely scaling back. Part of the phenomenon with this is how rapidly programing languages are changing. In my time a solid foundation were languages such as C++, C#, Java, HTML and then in short order you saw languages like Perl, Ruby, and now python come into vogue and in short order. The one programing language I've seen continue to stand the test of time is COBOL and that's because all the programs are "legacy" and nobody teaches it because COBOL is 'dead'.

I'm only going to rant if I keep going on and that's not the intention of this thread. I just want to say that college is increasingly more expensive, the "good" degrees are a shrinking commodity, and the only guarantee one has in graduating is that they' owe whatever note they carry with Uncle Sam's backing to Sallie Mae.
Click to expand...
I'll sum it up for you , college degree bad , trade school good.......
 
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#524
The D said:
Highest priority illegals should be the violent ones. Once they are taken care of, sure go after people who are just here working
Click to expand...
Blue collar crime vs white collar crime. The non violent are breeding anchor babies, their children are occupying schools costing untold dollars and the education of the citizens children, they are a burden on the healthcare system, they abuse the social handouts of welfare, food stamps etc, identity theft, driving without insurance or a license, auto accidents causing injury and death of citizens and the list goes on and on.
Violent or not. Get rid of every one of them. When they start snatching the white collar illegals the self deportation may just increase enough to make a difference.
You have a low probability of violent crime against you by an illegal but you have a 100% chance of the non violent illegal effecting you. States, counties and cities are raising taxes to cover the cost of them. Insurance companies are raising prices to cover the non insured liability. Areas of every city are turning into third world slums of non English speaking illegals.
 
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#525
NoDopes said:
Go hard after the people employing the illegals. It will fix itself quick. The only solution.
Click to expand...
I dont think problems stem from those who come here to work. You can leave those people alone in my opinion. I think we actually want those people, right? They are actually doing something with their lives!
 
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#526
Bullfrog08 said:
I dont think problems stem from those who come here to work. You can leave those people alone in my opinion. I think we actually want those people, right? They are actually doing something with their lives!
Click to expand...

I remember throughout Obamas administration everyone was claiming there were only 11 million illegals and now we find out that 20 million more came in under Biden. We all know the 11 million figure was a lie. We can’t have a country where 10% of the population is illegal. That is not acceptable. It is not workable. The US is for Americans.
 
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#527
And, I'll add yet again where those who immigrate properly AND are here because they WANT to be, then they assimilate into our society. Why? Because our society is (was?) good, and that is what/why/how-come they wanted to come here to begin with.

DON'T come here, and try to turn this great continent into the shithole that you fled from, because we don't want that shit here. This is why we, and our ancestors, built this continent this way.... to get away from that crap in which you fled. If "that" system of lifestyle is so damned good, then go back there and live like that. THERE.

Not here.
 
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#528
L
Bullfrog08 said:
I dont think problems stem from those who come here to work. You can leave those people alone in my opinion. I think we actually want those people, right? They are actually doing something with their lives!
Click to expand...
Just to play Devils Advocate. Having an illegal workforce creates a permanent underclass that can be abused by unscrupulous employers and landlords. Often crime victims, for fear of reporting. Can depress wages, because wage and hourly laws can often be violated with immunity. Can easily harbor a criminal element. An example, the now overwhelming fleet of uninsured and unregistered Venezuelan moped Door Dashers in some of our large cities.
 
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#530
DarnYankeeUSMC said:
Blue collar crime vs white collar crime. The non violent are breeding anchor babies, their children are occupying schools costing untold dollars and the education of the citizens children, they are a burden on the healthcare system, they abuse the social handouts of welfare, food stamps etc, identity theft, driving without insurance or a license, auto accidents causing injury and death of citizens and the list goes on and on.
Violent or not. Get rid of every one of them. When they start snatching the white collar illegals the self deportation may just increase enough to make a difference.
You have a low probability of violent crime against you by an illegal but you have a 100% chance of the non violent illegal effecting you. States, counties and cities are raising taxes to cover the cost of them. Insurance companies are raising prices to cover the non insured liability. Areas of every city are turning into third world slums of non English speaking illegals.
Click to expand...
^^^this. So much this.
 
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#531
LuckyDuck said:
I'm likely more sympathetic than most on this topic but this one is throwing all different kinds of smoke to me.

I can believe the $90K balance but 17% interest rates... I'm just not seeing how that is possible for someone her age.

If I remember my loans right (and I'm sure I'm darn close if not) the subsidized loans were 4.5% and the unsubsidized loans were 6.5% for my undergraduate. Granted- the interest rates were (at that time) quite a bit above what private loans offered BUT there were certain options/contingencies available by keeping the student loans with Sallie Mae rather than consolidating them with a private bank/credit union like most of my "smarter" colleagues did.

How this woman was able to move that large of a balance to a loan rate of 17%... I'm just racking my brain on how that could happen. As far as I know they don't offer consolidation loans with adjustable rates and if that's accurate- then the closest thing I can think of is she rolled the debt onto an unsecured credit card (hence the interest rate) and was suckered in with either promises of a reduced/0% interest rate for the first year or two and/or she'd get "points" or "cash back" from the debt she rolled over to said company.

If there's any accuracy in my assumptions- then the discussion can no longer be about a dumb 18 year old signing a note without knowing anything and instead becomes a college 'educated' 20 something or another having all those extra years of school and not having learned anything of any intrinsic value (which I have a much harder time being empathetic for).
Click to expand...
federal student loans are 6.39% to 8.94% now, but private student loans can be 2.95% to 17.99% or higher.
 
#532
I enjoy seeing all of the closet democrats here coming out in support of criminal invaders.

Entering a country illegally is a crime.

Obtaining public assistance when you are not a citizen is a crime in most cases.

Stealing housing. Want to make a dent in the homeless problem? Deport 20,000,000 people who should have never been here in the first place.

Stealing a job. Working without a proper visa is a crime. Then you can add the actual crimes of trafficking drugs and kids and whatever else they are doing.

Exploiting undocumented foreign workers is a crime. Start charging employers too.

These people send tens of billions of dollars a year back to their home countries because they live rent free, eat free, enjoy free medical, dental and vision on the government dime. They are cheap labor because my tax dollars pay their benefits. This cheap labor will destroy the country.

Deport them all. I'm sure some of them are nice enough but they ALL broke the law. Enough already.
 
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#533
lonegunman762x51 said:
I enjoy seeing all of the closet democrats here coming out in support of criminal invaders.

Entering a country illegally is a crime.

Obtaining public assistance when you are not a citizen is a crime in most cases.

Stealing housing. Want to make a dent in the homeless problem? Deport 20,000,000 people who should have never been here in the first place.

Stealing a job. Working without a proper visa is a crime. Then you can add the actual crimes of trafficking drugs and kids and whatever else they are doing.

Exploiting undocumented foreign workers is a crime. Start charging employers too.

These people send tens of billions of dollars a year back to their home countries be they live rent free, eat free, enjoy free medical, dental and vision on the government dime. This cheap labor will destroy the country.

Deport them all. I'm sure some of them are nice enough but they ALL broke the law. Enough already.
Click to expand...
Meanwhile, in Durham, North Carolina. . .

www.foxnews.com

North Carolina city declares itself a 'Fourth Amendment Workplace' to protect illegal immigrants from ICE

A city in North Carolina has approved a measure declaring itself a "Fourth Amendment Workplace" and boosting protections for illegal immigrant workers targeted by ICE.
www.foxnews.com www.foxnews.com
 
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#534
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#535
DarnYankeeUSMC said:
Blue collar crime vs white collar crime. The non violent are breeding anchor babies, their children are occupying schools costing untold dollars and the education of the citizens children, they are a burden on the healthcare system, they abuse the social handouts of welfare, food stamps etc, identity theft, driving without insurance or a license, auto accidents causing injury and death of citizens and the list goes on and on.
Violent or not. Get rid of every one of them. When they start snatching the white collar illegals the self deportation may just increase enough to make a difference.
You have a low probability of violent crime against you by an illegal but you have a 100% chance of the non violent illegal effecting you. States, counties and cities are raising taxes to cover the cost of them. Insurance companies are raising prices to cover the non insured liability. Areas of every city are turning into third world slums of non English speaking illegals.
Click to expand...
I understand all of this and agree with it. The only thing I’m saying is that I would rather see the violent ones targeted before the ones who just want to provide for their families
 
#536
918v said:
I remember throughout Obamas administration everyone was claiming there were only 11 million illegals and now we find out that 20 million more came in under Biden. We all know the 11 million figure was a lie. We can’t have a country where 10% of the population is illegal. That is not acceptable. It is not workable. The US is for Americans.
Click to expand...
We can only hope that 20 million is the final number and that it doesn’t turn out to be false later.
 
#538
Bullfrog08 said:
I dont think problems stem from those who come here to work. You can leave those people alone in my opinion. I think we actually want those people, right? They are actually doing something with their lives!
Click to expand...
The illegals that work do not pay like you and I. They milk the system we fund while not putting $$ in like us retards do. We are not the same.
 
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#540
ironpony52 said:
The illegals are living off of the system and sending their paychecks back home. Fact. Yes many are hard workers doing jobs Americans do not want to do.
Click to expand...
The irony is that the ones who don’t work and live on welfare are out burning cars and showing the flag of the very country they escaped from, crossing a ten-meter wall to get here.
 
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#541
The D said:
I understand all of this and agree with it. The only thing I’m saying is that I would rather see the violent ones targeted before the ones who just want to provide for their families
Click to expand...
what about the companies that want to compete for business honestly, but they have to compete with companies that hire hundreds of illegals, ostensibly so they can pay them significantly less that american workers?
not only does this steal jobs from legal residents, but it prevents honest businesses that employ americans from thriving.
 
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#542
LuckyDuck said:
I'm likely more sympathetic than most on this topic but this one is throwing all different kinds of smoke to me.

I can believe the $90K balance but 17% interest rates... I'm just not seeing how that is possible for someone her age.

If I remember my loans right (and I'm sure I'm darn close if not) the subsidized loans were 4.5% and the unsubsidized loans were 6.5% for my undergraduate. Granted- the interest rates were (at that time) quite a bit above what private loans offered BUT there were certain options/contingencies available by keeping the student loans with Sallie Mae rather than consolidating them with a private bank/credit union like most of my "smarter" colleagues did.

How this woman was able to move that large of a balance to a loan rate of 17%... I'm just racking my brain on how that could happen. As far as I know they don't offer consolidation loans with adjustable rates and if that's accurate- then the closest thing I can think of is she rolled the debt onto an unsecured credit card (hence the interest rate) and was suckered in with either promises of a reduced/0% interest rate for the first year or two and/or she'd get "points" or "cash back" from the debt she rolled over to said company.

If there's any accuracy in my assumptions- then the discussion can no longer be about a dumb 18 year old signing a note without knowing anything and instead becomes a college 'educated' 20 something or another having all those extra years of school and not having learned anything of any intrinsic value (which I have a much harder time being empathetic for).
Click to expand...

When I graduated college, the Federally subside loans had an 8% interest rate.
We were required to attend a class that spelled out the requirements of the loans before the funds would be transferred.
I assume its still that way today.
 
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#543
When you’re poor you need to take AP classes in HS and attend JC during summer and go to JC for a year then transfer to a state university. That way your tuition bill is manageable. Oh, and learn something practical that will satisfy your needs- emotional and financial.

By the time a degree appears to be in demand it is too late to pursue. You’ll make more money in landscaping.
 
#544
LuckyDuck said:
I'm likely more sympathetic than most on this topic but this one is throwing all different kinds of smoke to me.

I can believe the $90K balance but 17% interest rates... I'm just not seeing how that is possible for someone her age.

If I remember my loans right (and I'm sure I'm darn close if not) the subsidized loans were 4.5% and the unsubsidized loans were 6.5% for my undergraduate. Granted- the interest rates were (at that time) quite a bit above what private loans offered BUT there were certain options/contingencies available by keeping the student loans with Sallie Mae rather than consolidating them with a private bank/credit union like most of my "smarter" colleagues did.

How this woman was able to move that large of a balance to a loan rate of 17%... I'm just racking my brain on how that could happen. As far as I know they don't offer consolidation loans with adjustable rates and if that's accurate- then the closest thing I can think of is she rolled the debt onto an unsecured credit card (hence the interest rate) and was suckered in with either promises of a reduced/0% interest rate for the first year or two and/or she'd get "points" or "cash back" from the debt she rolled over to said company.

If there's any accuracy in my assumptions- then the discussion can no longer be about a dumb 18 year old signing a note without knowing anything and instead becomes a college 'educated' 20 something or another having all those extra years of school and not having learned anything of any intrinsic value (which I have a much harder time being empathetic for).
Click to expand...
Should have gone to a trade school instead. All I can say is 'you fucked up'... big time. I don't feel the least bit bad for her, SHE is the one who took out the loan. SHE should have read the fine print. SHE obviously hasn't got a clue about compounding interest. Maybe instead of $1500/mo she should be doing $2500 and live on ramen for a few years, which is what she should have done instead of taking out the loan in the first place.

Now she wants me to pay for HER loan??? F' OFF Bitch, welcome to life. Life is hard, it's even harder if you are stupid.
 
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#545
theLBC said:
what about the companies that want to compete for business honestly, but they have to compete with companies that hire hundreds of illegals, ostensibly so they can pay them significantly less that american workers?
not only does this steal jobs from legal residents, but it prevents honest businesses that employ americans from thriving.
Click to expand...
For fuck’s sake

I want the violent ones targeted BEFORE the ones who are just working. I still want anyone here illegally to be sent home. Not sure how many times or ways I can say this without it being strawmanned to death
 
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#546
The D said:
For fuck’s sake

I want the violent ones targeted BEFORE the ones who are just working. I still want anyone here illegally to be sent home. Not sure how many times or ways I can say this without it being strawmanned to death
Click to expand...
There's 80,000 new IRS agents that can go after the non violent illegals instead of looking for my 400 dollar payment through PayPal.
How's that for compromise?
 
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#547
The D said:
I want the violent ones targeted BEFORE the ones who are just working.
Click to expand...

Alley oop.

Same. I'm OK with taking extra baggage when the opportunity presents itself but target the violent, corrupt predators first.

I'm also OK with disappearing a few citizens tangled in the net. You know, not "intentionally" ... but if they get caught in "crossfire" what can you do? 🤷‍♂️
 
#550
The D said:
For fuck’s sake

I want the violent ones targeted BEFORE the ones who are just working. I still want anyone here illegally to be sent home. Not sure how many times or ways I can say this without it being strawmanned to death
Click to expand...
go ahead and tell us how we can separate the chaff from the wheat, and we can do that. or shut the fuck up if all you have is feelings.
 
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