FAFO

[LuckyDuck]

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).

 

[LuckyDuck]

she could get 40 years

 

[LeftyJason]

Speaking of FAFO l, who's going start Ukraine Bullshit part 3?

Pretty sure it will be up to part 4.

 

[LuckyDuck]

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.

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.

 

[LuckyDuck]

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.

 

[LuckyDuck]

I don't want to be drunk in public..
I want to be drunk, in the bar

Please tell me I'm not the only one who noticed/got a kick out of this...

-LD

 

[LuckyDuck]

What a joke this woman is.

 

[LuckyDuck]

what we have here, is a failure to communicate....

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).

 

[LuckyDuck]

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.....

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

 

[Eostech]

Speaking of FAFO l, who's going start Ukraine Bullshit part 3?

WTF did I miss? it'd also be part 4.

 

[The D]

WTF did I miss? it'd also be part 4.

I haven’t checked into that thread in a while either. There can’t be anyone in there that’s arguing in favor of Ukraine, can there?

 

[Baron23]

Authority figure (cop) disrupts your business and immediately demands to see your "papers".

And exactly when the fuck were you ever pulled over and the cop didn't first ask for your driver's license, registration, and proof of insurance. WTF....I'm sorry but this is just stupid.

 

[theLBC]

 

[The D]

I’m certainly not against sending the illegals back but these raids of people just trying to work is not a good look.

 

[softcock]

LOL ...

 

[softcock]

I’m certainly not against sending the illegals back but these raids of people just trying to work is not a good look.

What ?
-
They Not Doing This Enough
-

 

[DarnYankeeUSMC]

I’m certainly not against sending the illegals back but these raids of people just trying to work is not a good look.

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.

 

[theLBC]

I’m certainly not against sending the illegals back but these raids of people just trying to work is not a good look.

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
some of her co-workers (legal residents) were replaced by illegals. i gave her the number to call (this was many years ago)..

 

[The D]

What ?
-
They Not Doing This Enough
-

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.

Highest priority illegals should be the violent ones. Once they are taken care of, sure go after people who are just here working

 

[softcock]

Highest priority illegals should be the violent ones. Once they are taken care of, sure go after people who are just here working

Lowest hanging fruit always the easy fast pickings . One thing I am positive of. There NOT going to enough deportation done before 2028.
.

 

[NoDopes]

Go hard after the people employing the illegals. It will fix itself quick. The only solution.

 

[Eostech]

I haven’t checked into that thread in a while either. There can’t be anyone in there that’s arguing in favor of Ukraine, can there?

There were Ukrainian shills, they pop out in bursts, probably when the foreign aid money comes in.

 

[ironman56]

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.

I'll sum it up for you , college degree bad , trade school good.......

 

[DarnYankeeUSMC]

Highest priority illegals should be the violent ones. Once they are taken care of, sure go after people who are just here working

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.