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Well holy crap my screen name is my beloved saddlebred show horse. Why don't you go ride? Horse people are far to opinionated in my opinion and you aren't helping matters.
I was responding to the other poster that called me 'Ms.' I am a guy. I don't ride anymore. Sold my Percherons 2 years ago.
'Helping matters' is when people will step up to the plate and be responsible for their own actions. It is really simple.
BTW, personal attacks really don't 'help matters' either. Moderator?
No, I think that if I say 'hit me' when I have a 20 at the blackjack table, that is being oblivious.
I also think that if the individual and their parent(s) didn't plan for college, then there is a much stronger word than 'oblivious'.
You take the loan, you get the money, you pay it off. If it doesn't work that way, then I think I am going on a spending spree, on your nickel.
Let me go get a 65' yacht, and your tax dollars can pay for it. Sounds like a good plan to me.
Have at it. But I'm guessing you won't find anyone to give you a loan for a 65' yacht, unless you are one of the recent megamillion winners. Now why is that, I wonder?
The decline of America, at the behest of our refusal to place a premimum on Personal Responsibility, is even steeper than we ever thought it could be in the United States of America. After 10 years of payments, federal student loans would be absorbed by taxpayers.
I do not consider you an American. You are what is destroying America.
I guess I should stop helping others, donating my time and effort to those who need it, and jump ship to New Zealand. Apparently my altruism (to responsible adults only) is unwelcome here.
Have at it. But I'm guessing you won't find anyone to give you a loan for a 65' yacht, unless you are one of the recent megamillion winners. Now why is that, I wonder?
It appears that there are many people that have no concept of a 'startup company'. Megamillions are for people that can't do math. My manager has a J135. But who cares?
It appears that there are many people that have no concept of a 'startup company'. Megamillions are for people that can't do math. My manager has a J135. But who cares?
So now individuals are startup companies? Guess it makes sense as corporations are individuals. But investors invest money in a startup company because of a promising idea, not simply because the company exists. And even in the case of a company that has a promising idea, the dot.com bust amply illustrated, investor beware!!
Have at it. But I'm guessing you won't find anyone to give you a loan for a 65' yacht, unless you are one of the recent megamillion winners. Now why is that, I wonder?
I just figured that if so many people can borrow money, and then default on it with no penalty, we might as well all get into the game.
It is quickly changing from "Land Of The Free" to "Home of the Charity Case".
To be fair, if I were a loan officer, and saw a student that wanted to borrow money for college to study "Why Sylvester the Cat and Tweety Bird cannot get along", (or about 50 other useless degrees), then I would require co-signers, and a bond placed to recoup the expense.
Simple enough.
So now individuals are startup companies? Guess it makes sense as corporations are individuals. But investors invest money in a startup company because of a promising idea, not simply because the company exists. And even in the case of a company that has a promising idea, the dot.com bust amply illustrated, investor beware!!
(Not to digress from the theme of this thread too much):
Individuals have nothing to do with companies (of any sort), other than they are what makes a company strong and successful. Not sure of your point.
What makes this country strong is the desire/motivation/skill/talent of its workforce. Not all industries (like tsome of the dot.com) survive (though google is $111B). Most of the successful start-ups I would wager you never heard about. (running under the radar). Perhaps we could get a response from an informed poster.
I think you don't get it. This isn't business as usual; employment in America has undergone a massive structural depletion of jobs.
Think of it as a statistical distribution. In the upper portion, there will always be people employed; your nephew is probably an outlier at the top of that distribution. But the distribution of those employed is now significantly skewed - i.e., many more people who before could find jobs but now can't. Those people didn't know four years or more ago when they selected their majors that the economy was going to go off a cliff. Sure, things will eventually level out and improve, but those people have bills to pay now - so it becomes a cash flow issue.
Are there people who were irresponsible and picked silly majors? Sure. Is personal responsibility important? Of course. But there are also whole legions of those who were just trying to get through and get degrees in areas that did offer employment in the past - law degrees, education, marketing, etc. Those people got caught up in a system of irresponsibility that extended way beyond them; it extended to the very fundamental forces that were causing excess debt in all aspects of our society, not just in education. And the outcome was that many jobs that were previously on the table have now vanished.
So there is a real structural problem here. You need to stop looking at the world as, "oh, my nephew got a job; therefore, everything is fine and all the people are just lazy / should have picked a different major / etc." Liberals have a tendency to over-involve the government, but conservatives have a tendency to oversimplify reality and ignore structural / systemic problems. We're in the aftermath of one of the worst recessions ever - wake up... Of course there is going to be a problem with education loans in the wake of that.
I just figured that if so many people can borrow money, and then default on it with no penalty, we might as well all get into the game.
It is quickly changing from "Land Of The Free" to "Home of the Charity Case".
To be fair, if I were a loan officer, and saw a student that wanted to borrow money for college to study "Why Sylvester the Cat and Tweety Bird cannot get along", (or about 50 other useless degrees), then I would require co-signers, and a bond placed to recoup the expense.
Simple enough.
This is my whole point!!! If lenders want to make loans to people based on the fact that they are breathing and want to go to college, then the lenders get what they deserve in terms of people defaulting. Glad you finally got your thinking cap on.
Quote:
Originally Posted by SuperSparkle928
(Not to digress from the theme of this thread too much):
Individuals have nothing to do with companies (of any sort), other than they are what makes a company strong and successful. Not sure of your point.
You've never heard of corporate personhood?
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Sounds like a good plan to me. 
Individuals have nothing to do with companies (of any sort), other than they are what makes a company strong and successful. Not sure of your point. 
