Left Wing Lunacy

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Re: Left Wing Lunacy

Post  Dr. Evil on Wed Apr 13, 2016 10:35 pm

Gomezz Adddams wrote:
6. Lie: I’ll just get all my loans forgiven.
Truth: Loan forgiveness programs exist to attract smart grads to low-paying government jobs (usually the kind no one else wants). And they come with a laundry list of stipulations. The Public Service Loan Forgiveness Program, for example, applies to specific not-for-profit employees who’ve already made 120 payments on their Direct Loans. So they’re still paying back most of their debt while simultaneously limiting their income.

Right Dave. I just gave two examples where I know of people who had most if not all of their student loans paid off by working for non-profits. In fact the nurse I spoke of worked for my cardiologist and I spoke with her on every visit. She has since moved on to a better paying position but I know she had her nursing loans forgiven.
That's not forgiven.  That's an agreement.  It's like calling a CRP payment welfare.  It's not welfare, it's a contract.
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Re: Left Wing Lunacy

Post  Gomezz Adddams on Wed Apr 13, 2016 10:47 pm

Dr. Jones wrote:
Gomezz Adddams wrote:
Dr. Jones wrote:
Gomezz Adddams wrote:
Dr. Jones wrote:
Gomezz Adddams wrote:
Dr. Jones wrote:
Gomezz Adddams wrote:
Dr. Jones wrote:
nightlight88 wrote:Just a sample of what the idiots/wimps on the left have wrought.

https://www.youtube.com/watch?v=kZq98wLvFk0

One of many more to come.

May never pay??  You can't get out of student loans.  Sorry.   Wrong answer. Try agaun.

Sorry Farmer Fcukstik, but you are wrong .... yet again. And you don't even have to wait for Ol' Snowball's Making it Rain Express.

I remember on the old ArgusLeader forum, Rufusx was always bragging about how he only had to pay a small payment on his grad school loans because his income was too low and that after a period of time like 25 years, the loans would be wiped off the books and he was going to move to Uruguay. I believe it's called a Income Based Repayment Plan.


Under all four plans, any remaining loan balance is forgiven if your federal student loans aren't fully repaid at the end of the repayment period.

https://studentaid.ed.gov/sa/repay-loans/understand/plans/income-driven


I guess someone should tell this conservative talk show host who happens to be one of the highest regarded financial guru's in the nation that he is dead wrong...

https://www.daveramsey.com/blog/9-lies-college-student-loans

1) While some financial advice Ramsey gives is sound, it's pretty basic. Don't run up credit card debt. Be diligent about saving during your earning years. Ya da da Ya da.

2) Use compound savings. Compound savings was an awesome idea when banks paid decent rates on savings but seriously, trying to compound savings when the interest hovers around 0%? Forget about it. You want to go for it in the stock market casino or real estate? Ok, but that's not compound interest but capital gains.

3) Squeeze the toothpaste from the bottom of the tube. Duh.

I was doing this stuff in jr high school. His advice is for people who have never experienced saving for the future and are perpetually in debt.

Long story short, I showed you how student loans can be erased if, if you are willing to live at subsistence levels for 25 years. I know personally people who erased student loans by working in positions that forgave those loans. One was a nurse who worked for Sanford for x years that had her loans paid off by Sanford. Another was a teacher who taught on the Rez and had her loans paid off. So contrary to the Great and Amazing Ramsey loans are forgiven/paid off and loans are erased from the books. So fcuk Dave Ramsey and fcuk you, you ignoramous.


That doesn't constitute having your loans wiped away.

If you've ever listened to his show you would know that student loans are a huge topic for him, and he makes his living advising people around and through bankruptcy.  I guess if you're a pompous enough ass to believe you have an angle on this that he's missing, which I know you are,  more power to you.

Jeebus, even my youngest has a better understand of finances than you. Like a factor of 100. She just informed me that she has only 3 years of school debt left and is wondering if she should pay them off since she has cash in the bank to do so. I told her that the last three years of her low interest school loans will be mostly principal with very little interest. She and husband just bought a house and will have plenty of places for the savings to go improving the house so why stretch yourself? It would actually make more sense to pay down her husbands school loans which are accumulating more interest than hers. However using Dumbazz Ramsey's Snowball theory of loan re-payment it would cost her more to pay her's off early. Ramsey only has a microphone.

I could go through Ramsey's "Biggest Lies About College Loans" and show you why he's full of crap like you if you want.

1. Lie: In order to be successful, I need a four-year degree.

Truth: A bachelor’s (or master’s) degree can open doors, but hard work keeps those doors open. Some of the world’s wealthiest businesspeople didn’t even finish college—think technology tycoons Bill Gates, Larry Ellison and Michael Dell. They’re proof that the traditional route isn’t the only path to success. Other options include trade schools, community colleges, apprenticeships and good old-fashioned entrepreneurial drive.

Jeebus, Bill Gates, Larry Ellison and Michael Dell are exceptional examples. All dropped out of upper tier universities.  Gates (who came from a wealthy family) dropped out of Harvard (5.2% acceptance rate).  Ellison was a University of Chicago (go Maroons! 7.8% acceptance rate) dropout. Michael Dell dropped out of University of Texas which has an acceptance rate of 39% and that is crazy for a state school (SDSU is 92% and USD is 89%).
What are you talking about?

Just referencing your Ramsey link since you seem to be bowing to the god of financial advice.  

Continuing with more Ramsey Bullcrap:

4. Lie: I can’t afford to go to college without a student loan.
Truth: Yes you can! Let us count the ways: Scholarships are worth your time—apply for as many as possible. Choose an in-state university or local community college. Find a part-time job while you go to school (even a work study program will help). And look for non-traditional options like joining the military or taking a few semesters off to save up before you go.

Scholarships are dolled out to special circumstances. Are you a left handed minority going into basket weaving? No? Sorry but you are out of luck.  Do you have 4.9 GPA? Nope, my school only gives out 4.0 points for an A+. Did you score in the 99th percentile of the SAT/ACT entrance exams? Nope, hit the road.

Part time job while going to school? Sure that might put gas in your car and buy you some beer. Pay tuition or rent or books? Not these days. Maybe in the 60's. What era is Ramsey thinking of? Join the military? Sure but the GI Bill has changed on the percentage of what is paid based on length of service and other variables. It's not as generous as it once was.

More generally bad advice from Ramsey. No wonder you like hi
Scholarships aren't that tough to come by.   They are really more of a numbers game.  The more you apply for,  the more chances you have.  Plus there are plenty of summer jobs that will take a huge chunk out of tuituon.  You may have to leave snob hill and get your hands dirty with the rest of the cretins but it's possible.  I worked for a coop one summer while i was going to school and made enough that I could have paid tuition in any public college in the state. 

It helps if the pompous ass dad doesn't send his pompous ass kid to some pompous ass school that costs a fortune.

Let's see you get into the University of Chicago or Northwestern like I did azzhole. I doubt even a state university accepted your sorry azz. Mostly likely it was Phoenix University (also known as P U) like that sadsack Puckernutt™

I didn't have a "pompous ass dad" Fcukstik. He ditched my mother and my three brothers and sister when I was six. And I know all about getting my hands dirty and working slug jobs through jr high, sr high and college and before I started my own business.

A summer job? Even a summer job won't begin to pay for tuition, books and R&B these days. Bwahahahaha!! You are truly clueless.
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Re: Left Wing Lunacy

Post  Gomezz Adddams on Wed Apr 13, 2016 10:57 pm

Dr. Jones wrote:
Gomezz Adddams wrote:
6. Lie: I’ll just get all my loans forgiven.
Truth: Loan forgiveness programs exist to attract smart grads to low-paying government jobs (usually the kind no one else wants). And they come with a laundry list of stipulations. The Public Service Loan Forgiveness Program, for example, applies to specific not-for-profit employees who’ve already made 120 payments on their Direct Loans. So they’re still paying back most of their debt while simultaneously limiting their income.

Right Dave. I just gave two examples where I know of people who had most if not all of their student loans paid off by working for non-profits. In fact the nurse I spoke of worked for my cardiologist and I spoke with her on every visit. She has since moved on to a better paying position but I know she had her nursing loans forgiven.
That's not forgiven.  That's an agreement.  It's like calling a CRP payment welfare.  It's not welfare, it's a contract.

A loan is contract dumbazz. The forgiveness of the loan is a condition of the contract. The payment to a CRP recipient is a government program requirement for not using an asset ... typically that's called welfare as in the Welfare Queen not getting her fat azz to work and drawing a paycheck.
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Re: Left Wing Lunacy

Post  Gomezz Adddams on Wed Apr 13, 2016 11:09 pm

Scholarships aren't that tough to come by. They are really more of a numbers game. The more you apply for, the more chances you have. Plus there are plenty of summer jobs that will take a huge chunk out of tuituon. You may have to leave snob hill and get your hands dirty with the rest of the cretins but it's possible. I worked for a coop one summer while i was going to school and made enough that I could have paid tuition in any public college in the state.

Scholarships are not a numbers game. They are specific and tend to focus on minorities and income. Try merit scholarships, you know the ones given for academic excellence. Daughter number #1 won one of twelve Briggs scholarships at SDSU. That's a pretty elite group. #2 daughter? Not so much. In fact she ended up with only a few small $ band scholarships. She's the one who has just about paid off her loans. #1 daughter graduated with her PhD with no debt but that was only due to her impeccable academics. I've walked in both worlds with my kids and myself.
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Re: Left Wing Lunacy

Post  Dr. Evil on Wed Apr 13, 2016 11:59 pm

Gomezz Adddams wrote:
Dr. Jones wrote:
Gomezz Adddams wrote:
6. Lie: I’ll just get all my loans forgiven.
Truth: Loan forgiveness programs exist to attract smart grads to low-paying government jobs (usually the kind no one else wants). And they come with a laundry list of stipulations. The Public Service Loan Forgiveness Program, for example, applies to specific not-for-profit employees who’ve already made 120 payments on their Direct Loans. So they’re still paying back most of their debt while simultaneously limiting their income.

Right Dave. I just gave two examples where I know of people who had most if not all of their student loans paid off by working for non-profits. In fact the nurse I spoke of worked for my cardiologist and I spoke with her on every visit. She has since moved on to a better paying position but I know she had her nursing loans forgiven.
That's not forgiven.  That's an agreement.  It's like calling a CRP payment welfare.  It's not welfare, it's a contract.

A loan is contract dumbazz. The forgiveness of the loan is a condition of the contract. The payment to a CRP recipient is a government program requirement for not using an asset ... typically that's called welfare as in the Welfare Queen not getting her fat azz to work and drawing a paycheck.
You're an imbecile.  Nothing is forgiven.  It's part of the agreed upon compensation when the person took the job.  It's actually more of a supply and demand thing.  They need someone to fill an undesirable position, so they need to sweeten the pot.  Just that simple.
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Re: Left Wing Lunacy

Post  Dr. Evil on Thu Apr 14, 2016 12:20 am

Gomezz Adddams wrote:
Dr. Jones wrote:
Gomezz Adddams wrote:
Dr. Jones wrote:
Gomezz Adddams wrote:
Dr. Jones wrote:
Gomezz Adddams wrote:
Dr. Jones wrote:
Gomezz Adddams wrote:
Dr. Jones wrote:
nightlight88 wrote:Just a sample of what the idiots/wimps on the left have wrought.

https://www.youtube.com/watch?v=kZq98wLvFk0

One of many more to come.

May never pay??  You can't get out of student loans.  Sorry.   Wrong answer. Try agaun.

Sorry Farmer Fcukstik, but you are wrong .... yet again. And you don't even have to wait for Ol' Snowball's Making it Rain Express.

I remember on the old ArgusLeader forum, Rufusx was always bragging about how he only had to pay a small payment on his grad school loans because his income was too low and that after a period of time like 25 years, the loans would be wiped off the books and he was going to move to Uruguay. I believe it's called a Income Based Repayment Plan.


Under all four plans, any remaining loan balance is forgiven if your federal student loans aren't fully repaid at the end of the repayment period.

https://studentaid.ed.gov/sa/repay-loans/understand/plans/income-driven


I guess someone should tell this conservative talk show host who happens to be one of the highest regarded financial guru's in the nation that he is dead wrong...

https://www.daveramsey.com/blog/9-lies-college-student-loans

1) While some financial advice Ramsey gives is sound, it's pretty basic. Don't run up credit card debt. Be diligent about saving during your earning years. Ya da da Ya da.

2) Use compound savings. Compound savings was an awesome idea when banks paid decent rates on savings but seriously, trying to compound savings when the interest hovers around 0%? Forget about it. You want to go for it in the stock market casino or real estate? Ok, but that's not compound interest but capital gains.

3) Squeeze the toothpaste from the bottom of the tube. Duh.

I was doing this stuff in jr high school. His advice is for people who have never experienced saving for the future and are perpetually in debt.

Long story short, I showed you how student loans can be erased if, if you are willing to live at subsistence levels for 25 years. I know personally people who erased student loans by working in positions that forgave those loans. One was a nurse who worked for Sanford for x years that had her loans paid off by Sanford. Another was a teacher who taught on the Rez and had her loans paid off. So contrary to the Great and Amazing Ramsey loans are forgiven/paid off and loans are erased from the books. So fcuk Dave Ramsey and fcuk you, you ignoramous.


That doesn't constitute having your loans wiped away.

If you've ever listened to his show you would know that student loans are a huge topic for him, and he makes his living advising people around and through bankruptcy.  I guess if you're a pompous enough ass to believe you have an angle on this that he's missing, which I know you are,  more power to you.

Jeebus, even my youngest has a better understand of finances than you. Like a factor of 100. She just informed me that she has only 3 years of school debt left and is wondering if she should pay them off since she has cash in the bank to do so. I told her that the last three years of her low interest school loans will be mostly principal with very little interest. She and husband just bought a house and will have plenty of places for the savings to go improving the house so why stretch yourself? It would actually make more sense to pay down her husbands school loans which are accumulating more interest than hers. However using Dumbazz Ramsey's Snowball theory of loan re-payment it would cost her more to pay her's off early. Ramsey only has a microphone.

I could go through Ramsey's "Biggest Lies About College Loans" and show you why he's full of crap like you if you want.

1. Lie: In order to be successful, I need a four-year degree.

Truth: A bachelor’s (or master’s) degree can open doors, but hard work keeps those doors open. Some of the world’s wealthiest businesspeople didn’t even finish college—think technology tycoons Bill Gates, Larry Ellison and Michael Dell. They’re proof that the traditional route isn’t the only path to success. Other options include trade schools, community colleges, apprenticeships and good old-fashioned entrepreneurial drive.

Jeebus, Bill Gates, Larry Ellison and Michael Dell are exceptional examples. All dropped out of upper tier universities.  Gates (who came from a wealthy family) dropped out of Harvard (5.2% acceptance rate).  Ellison was a University of Chicago (go Maroons! 7.8% acceptance rate) dropout. Michael Dell dropped out of University of Texas which has an acceptance rate of 39% and that is crazy for a state school (SDSU is 92% and USD is 89%).
What are you talking about?

Just referencing your Ramsey link since you seem to be bowing to the god of financial advice.  

Continuing with more Ramsey Bullcrap:

4. Lie: I can’t afford to go to college without a student loan.
Truth: Yes you can! Let us count the ways: Scholarships are worth your time—apply for as many as possible. Choose an in-state university or local community college. Find a part-time job while you go to school (even a work study program will help). And look for non-traditional options like joining the military or taking a few semesters off to save up before you go.

Scholarships are dolled out to special circumstances. Are you a left handed minority going into basket weaving? No? Sorry but you are out of luck.  Do you have 4.9 GPA? Nope, my school only gives out 4.0 points for an A+. Did you score in the 99th percentile of the SAT/ACT entrance exams? Nope, hit the road.

Part time job while going to school? Sure that might put gas in your car and buy you some beer. Pay tuition or rent or books? Not these days. Maybe in the 60's. What era is Ramsey thinking of? Join the military? Sure but the GI Bill has changed on the percentage of what is paid based on length of service and other variables. It's not as generous as it once was.

More generally bad advice from Ramsey. No wonder you like hi
Scholarships aren't that tough to come by.   They are really more of a numbers game.  The more you apply for,  the more chances you have.  Plus there are plenty of summer jobs that will take a huge chunk out of tuituon.  You may have to leave snob hill and get your hands dirty with the rest of the cretins but it's possible.  I worked for a coop one summer while i was going to school and made enough that I could have paid tuition in any public college in the state. 

It helps if the pompous ass dad doesn't send his pompous ass kid to some pompous ass school that costs a fortune.

Let's see you get into the University of Chicago or Northwestern like I did azzhole. I doubt even a state university accepted your sorry azz. Mostly likely it was Phoenix University (also known as P U) like that sadsack Puckernutt™

It doesn't appear to have helped you much considering someone half your age and with no college education runs circles around you.  Besides, I've already started one business and will have a second going by the end of the summer.  You can learn as much in four years working in a profession as you can going to school learning about it.  It's called the School of Hard Knocks, and as long as there aren't a bunch of pompous ass college grads at the top that require a degree to get in their little club, a degree from there will serve you just fine.  

I didn't have a "pompous ass dad" Fcukstik. He ditched my mother and my three brothers and sister when I was six. And I know all about getting my hands dirty and working slug jobs through jr high, sr high and college and before I started my own business.

A summer job?  Even a summer job won't begin to pay for tuition, books and R&B these days. Bwahahahaha!! You are truly clueless.

Bullshiit.  You can easily pull down a thousand a week through the summer working at a coop.  I remember over a two week period I had 80 regular hours and 86 overtime hours driving truck.  That's $12k.  SDSU is $15k.  I wasn't talking about running a lemonade stand.


Last edited by Dr. Jones on Thu Apr 14, 2016 7:00 am; edited 1 time in total
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Re: Left Wing Lunacy

Post  Darth Cheney on Thu Apr 14, 2016 6:08 am

School loans are exempt from bankruptcy proceedings...stay clueless!
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Re: Left Wing Lunacy

Post  Dr. Evil on Thu Apr 14, 2016 6:54 am

Darth Cheney wrote:School loans are exempt from bankruptcy proceedings...stay clueless!


You must be talking to Gomerr, because that's exactly what I said.
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Re: Left Wing Lunacy

Post  Jammer on Thu Apr 14, 2016 8:27 am

Darth Cheney wrote:School loans are exempt from bankruptcy proceedings...stay clueless!


And that is exactly why socialist presidents forgive student loans.  It is a surefire way to buy 400,000 votes just in time for the November election.  The part they like best about that is they use taxpayer money to buy the votes that will of course vote AGAINST the taxpayers.

http://www.marketwatch.com/story/why-obama-is-forgiving-the-student-loans-of-nearly-400000-people-2016-04-12

Obama is forgiving 400,000 student loans    
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Re: Left Wing Lunacy

Post  Dr. Evil on Thu Apr 14, 2016 8:37 am

Jammer wrote:
Darth Cheney wrote:School loans are exempt from bankruptcy proceedings...stay clueless!


And that is exactly why socialist presidents forgive student loans.  It is a surefire way to buy 400,000 votes just in time for the November election.  The part they like best about that is they use taxpayer money to buy the votes that will of course vote AGAINST the taxpayers.

http://www.marketwatch.com/story/why-obama-is-forgiving-the-student-loans-of-nearly-400000-people-2016-04-12

Obama is forgiving 400,000 student loans    
Did you read the article, or just the headline?
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Re: Left Wing Lunacy

Post  Skeptical on Thu Apr 14, 2016 10:18 am

What does a little FACT CHECKING REVEAL about forgiving student loan debt?

by Darth Cheney on Thu Apr 14, 2016 6:08 am
School loans are exempt from bankruptcy proceedings

As  stated in the following, student loan debts are not normally forgiven in cases of Chapter 7 or 13 Bankruptcy

" Student loan debt is on the rise and has increased exponentially over the past ten years. The total outstanding student loan debt now exceeds $1 trillion and continues to rise.

In addition, college tuition continues to increase so the problem will continue to compound.

The Federal Government has been relatively stagnant on this issue offering little support or hope for a solution. On the other hand, local governments and enterprising entrepreneurs are looking for creative ways to remedy the issue.

So, if you are struggling with student loan debt and have made your best efforts to pay back your loans, can’t you seek bankruptcy protection to resolve your student loan debt? The short answer is “probably not.”

http://fpbankruptcylaw.com/636/why-are-student-loans-exempt-from-discharge-in-bankruptcy/

However student loan  debt may be erased through bankruptcy procedure:

"In general, it’s really challenging to discharge your student loans through a normal bankruptcy process.  But there is hope that this trend could reverse: A 2013 court case created precedence for partially discharging student loans.  By filing a separate lawsuit within the bankruptcy case, the plaintiff was able to prove that his student loans created “undue hardship.”  Undue hardship is now defined as the “Brunner Test”.

To start the process, you first need to formally file for Chapter 7 or 13 bankruptcy. You can typically hire a law firm to do this on your behalf for a few hundred dollars. At first, the court will deny your request to discharge your student loans in the bankruptcy filing, and will have to file a separate adversary proceeding and prove repayment of your student loans would cause an undue hardship.

According to the Federal Student Aid website, the court uses three factors to determine undue hardship (Brunner Test):
•You wouldn’t be able to maintain a minimal standard of living if you were forced to repay the loan.
•Your financial hardship would continue for a significant portion of the repayment period if you were forced to repay the loan.
•You’ve made a good-faith effort to repay the loan before you filed for bankruptcy.

All of this involves a lawsuit, legal fees and court battles – and your student loan creditor may fight you back against these charges. But if your student loan is discharged, you won’t have to repay any of the loan."

https://studentloanhero.com/featured/how-to-discharge-student-loans-via-bankruptcy/?nabe=5401371359051776:0&utm_referrer=https%3A%2F%2Fwww.google.com%2Furl%3Fsa%3Dt%26rct%3Dj%26q%3D%26esrc%3Ds%26source%3Dweb%26cd%3D1%26ved%3D0ahUKEwjl6fS2po7MAhXB8CYKHZobCz8QFggcMAA%26url%3Dhttps%253A%252F%252Fstudentloanhero.com%252Ffeatured%252Fhow-to-discharge-student-loans-via-bankruptcy%252F%26usg%3DAFQjCNFcQKH1qbIIQC8yZmusr_iVsIedJg%26bvm%3Dbv.119408272%2Cd.eWE

And as Gomezz stated earlier
Long story short, I showed you how student loans can be erased if, if you are willing to live at subsistence levels for 25 years. I know personally people who erased student loans by working in positions that forgave those loans. One was a nurse who worked for Sanford for x years that had her loans paid off by Sanford. Another was a teacher who taught on the Rez and had her loans paid off.

Seems this is correct !

"That’s why it’s so important to consider all of your options when trying to eliminate your student loan debt, like income-based repayment (IBR) or even student loan forbearance. You can also get a portion of your student loan debt discharged via Public Service Loan Forgiveness by working in a certain industry.

For example, if you are a teacher in a low-income elementary or secondary school, for example, you could have your federal student loans discharged after 5 years of work. Similarly, if you’re employed in the public service sector, you could have your loans forgiven after 10 years of consecutive work and payments.


So before declaring bankruptcy and trying to fight against a system designed not to discharge your student loan debt, be sure to research your other debt repayment options for student debt relief! "

https://studentloanhero.com/featured/how-to-discharge-student-loans-via-bankruptcy/?nabe=5401371359051776:0&utm_referrer=https%3A%2F%2Fwww.google.com%2Furl%3Fsa%3Dt%26rct%3Dj%26q%3D%26esrc%3Ds%26source%3Dweb%26cd%3D1%26ved%3D0ahUKEwjl6fS2po7MAhXB8CYKHZobCz8QFggcMAA%26url%3Dhttps%253A%252F%252Fstudentloanhero.com%252Ffeatured%252Fhow-to-discharge-student-loans-via-bankruptcy%252F%26usg%3DAFQjCNFcQKH1qbIIQC8yZmusr_iVsIedJg%26bvm%3Dbv.119408272%2Cd.eWE
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Re: Left Wing Lunacy

Post  Gomezz Adddams on Thu Apr 14, 2016 11:56 am

Bullshiit.  You can easily pull down a thousand a week through the summer working at a coop.  I remember over a two week period I had 80 regular hours and 86 overtime hours driving truck.  That's $12k.  SDSU is $15k.  I wasn't talking about running a lemonade stand.

A part time summer job that pays $60@hour?  Now that's a load of bull. Better check your math there Fcukstik. I hear the School of Hard Knocks wanting their "degree" back.
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Re: Left Wing Lunacy

Post  Dr. Evil on Thu Apr 14, 2016 12:03 pm

Gomezz Adddams wrote:
Bullshiit.  You can easily pull down a thousand a week through the summer working at a coop.  I remember over a two week period I had 80 regular hours and 86 overtime hours driving truck.  That's $12k.  SDSU is $15k.  I wasn't talking about running a lemonade stand.

A part time summer job that pays $60@hour?  Now that's a load of bull. Better check your math there Fcukstik. I hear the School of Hard Knocks wanting their "degree" back.
You are such a fukcing idiot.  $1000 ÷ even say a 60 hour week is $16.66 an hour.  I can't believe I have to hold your hand through story problems like I do my 8 yo daughter.  So much for that college degree.
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Re: Left Wing Lunacy

Post  Gomezz Adddams on Thu Apr 14, 2016 12:27 pm

Dr. Jones wrote:
Gomezz Adddams wrote:
Bullshiit.  You can easily pull down a thousand a week through the summer working at a coop.  I remember over a two week period I had 80 regular hours and 86 overtime hours driving truck.  That's $12k.  SDSU is $15k.  I wasn't talking about running a lemonade stand.

A part time summer job that pays $60@hour?  Now that's a load of bull. Better check your math there Fcukstik. I hear the School of Hard Knocks wanting their "degree" back.
You are such a fukcing idiot.  $1000 ÷ even say a 60 hour week is $16.66 an hour.  I can't believe I have to hold your hand through story problems like I do my 8 yo daughter.  So much for that college degree.

You claimed you earned $12k in two weeks by working 80 regular hours and 86 overtime hours. $90 represents time and half which follows Federal wage guidelines.

80hr x $60 = $4,800
86hr x $90 = $7,740
----------
$12,540

Actually it's probably closer to $57@hour but I was doing a fast estimation. So who is the idiot? You can't even do simple arithmetic. Maybe your daughter can help you next time.
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Re: Left Wing Lunacy

Post  Dr. Evil on Thu Apr 14, 2016 12:46 pm

Dr. Jones wrote:
Gomezz Adddams wrote:
Dr. Jones wrote:
Gomezz Adddams wrote:
Dr. Jones wrote:
Gomezz Adddams wrote:
Dr. Jones wrote:
Gomezz Adddams wrote:
Dr. Jones wrote:
Gomezz Adddams wrote:
Dr. Jones wrote:
nightlight88 wrote:Just a sample of what the idiots/wimps on the left have wrought.

https://www.youtube.com/watch?v=kZq98wLvFk0

One of many more to come.

May never pay??  You can't get out of student loans.  Sorry.   Wrong answer. Try agaun.

Sorry Farmer Fcukstik, but you are wrong .... yet again. And you don't even have to wait for Ol' Snowball's Making it Rain Express.

I remember on the old ArgusLeader forum, Rufusx was always bragging about how he only had to pay a small payment on his grad school loans because his income was too low and that after a period of time like 25 years, the loans would be wiped off the books and he was going to move to Uruguay. I believe it's called a Income Based Repayment Plan.


Under all four plans, any remaining loan balance is forgiven if your federal student loans aren't fully repaid at the end of the repayment period.

https://studentaid.ed.gov/sa/repay-loans/understand/plans/income-driven


I guess someone should tell this conservative talk show host who happens to be one of the highest regarded financial guru's in the nation that he is dead wrong...

https://www.daveramsey.com/blog/9-lies-college-student-loans

1) While some financial advice Ramsey gives is sound, it's pretty basic. Don't run up credit card debt. Be diligent about saving during your earning years. Ya da da Ya da.

2) Use compound savings. Compound savings was an awesome idea when banks paid decent rates on savings but seriously, trying to compound savings when the interest hovers around 0%? Forget about it. You want to go for it in the stock market casino or real estate? Ok, but that's not compound interest but capital gains.

3) Squeeze the toothpaste from the bottom of the tube. Duh.

I was doing this stuff in jr high school. His advice is for people who have never experienced saving for the future and are perpetually in debt.

Long story short, I showed you how student loans can be erased if, if you are willing to live at subsistence levels for 25 years. I know personally people who erased student loans by working in positions that forgave those loans. One was a nurse who worked for Sanford for x years that had her loans paid off by Sanford. Another was a teacher who taught on the Rez and had her loans paid off. So contrary to the Great and Amazing Ramsey loans are forgiven/paid off and loans are erased from the books. So fcuk Dave Ramsey and fcuk you, you ignoramous.


That doesn't constitute having your loans wiped away.

If you've ever listened to his show you would know that student loans are a huge topic for him, and he makes his living advising people around and through bankruptcy.  I guess if you're a pompous enough ass to believe you have an angle on this that he's missing, which I know you are,  more power to you.

Jeebus, even my youngest has a better understand of finances than you. Like a factor of 100. She just informed me that she has only 3 years of school debt left and is wondering if she should pay them off since she has cash in the bank to do so. I told her that the last three years of her low interest school loans will be mostly principal with very little interest. She and husband just bought a house and will have plenty of places for the savings to go improving the house so why stretch yourself? It would actually make more sense to pay down her husbands school loans which are accumulating more interest than hers. However using Dumbazz Ramsey's Snowball theory of loan re-payment it would cost her more to pay her's off early. Ramsey only has a microphone.

I could go through Ramsey's "Biggest Lies About College Loans" and show you why he's full of crap like you if you want.

1. Lie: In order to be successful, I need a four-year degree.

Truth: A bachelor’s (or master’s) degree can open doors, but hard work keeps those doors open. Some of the world’s wealthiest businesspeople didn’t even finish college—think technology tycoons Bill Gates, Larry Ellison and Michael Dell. They’re proof that the traditional route isn’t the only path to success. Other options include trade schools, community colleges, apprenticeships and good old-fashioned entrepreneurial drive.

Jeebus, Bill Gates, Larry Ellison and Michael Dell are exceptional examples. All dropped out of upper tier universities.  Gates (who came from a wealthy family) dropped out of Harvard (5.2% acceptance rate).  Ellison was a University of Chicago (go Maroons! 7.8% acceptance rate) dropout. Michael Dell dropped out of University of Texas which has an acceptance rate of 39% and that is crazy for a state school (SDSU is 92% and USD is 89%).
What are you talking about?

Just referencing your Ramsey link since you seem to be bowing to the god of financial advice.  

Continuing with more Ramsey Bullcrap:

4. Lie: I can’t afford to go to college without a student loan.
Truth: Yes you can! Let us count the ways: Scholarships are worth your time—apply for as many as possible. Choose an in-state university or local community college. Find a part-time job while you go to school (even a work study program will help). And look for non-traditional options like joining the military or taking a few semesters off to save up before you go.

Scholarships are dolled out to special circumstances. Are you a left handed minority going into basket weaving? No? Sorry but you are out of luck.  Do you have 4.9 GPA? Nope, my school only gives out 4.0 points for an A+. Did you score in the 99th percentile of the SAT/ACT entrance exams? Nope, hit the road.

Part time job while going to school? Sure that might put gas in your car and buy you some beer. Pay tuition or rent or books? Not these days. Maybe in the 60's. What era is Ramsey thinking of? Join the military? Sure but the GI Bill has changed on the percentage of what is paid based on length of service and other variables. It's not as generous as it once was.

More generally bad advice from Ramsey. No wonder you like hi
Scholarships aren't that tough to come by.   They are really more of a numbers game.  The more you apply for,  the more chances you have.  Plus there are plenty of summer jobs that will take a huge chunk out of tuituon.  You may have to leave snob hill and get your hands dirty with the rest of the cretins but it's possible.  I worked for a coop one summer while i was going to school and made enough that I could have paid tuition in any public college in the state. 

It helps if the pompous ass dad doesn't send his pompous ass kid to some pompous ass school that costs a fortune.

Let's see you get into the University of Chicago or Northwestern like I did azzhole. I doubt even a state university accepted your sorry azz. Mostly likely it was Phoenix University (also known as P U) like that sadsack Puckernutt™

It doesn't appear to have helped you much considering someone half your age and with no college education runs circles around you.  Besides, I've already started one business and will have a second going by the end of the summer.  You can learn as much in four years working in a profession as you can going to school learning about it.  It's called the School of Hard Knocks, and as long as there aren't a bunch of pompous ass college grads at the top that require a degree to get in their little club, a degree from there will serve you just fine.  

I didn't have a "pompous ass dad" Fcukstik. He ditched my mother and my three brothers and sister when I was six. And I know all about getting my hands dirty and working slug jobs through jr high, sr high and college and before I started my own business.

A summer job?  Even a summer job won't begin to pay for tuition, books and R&B these days. Bwahahahaha!! You are truly clueless.

Bullshiit.
 You can easily pull down a thousand a week through the summer working at a coop.  I remember over a two week period I had 80 regular hours and 86 overtime hours driving truck.  That's $12k.  SDSU is $15k.  I wasn't talking about running a lemonade stand.
Learn to read shiit for brains. 

Summer vaca is approximately 3 months, or 12 weeks. 12 × $1000 = $12000.  I suppose now you are going to claim you were confused with my post. Rolling Eyes Rolling Eyes
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Re: Left Wing Lunacy

Post  Gomezz Adddams on Thu Apr 14, 2016 12:57 pm

FWIW, here's the algebraic formula. (7th or 8th grade math, but obviously you slept through math school)

(80 x a) + (86 x 3a/2) = $12,000
80a + 129a = $12,000
209a = $12,000
a = $12,000/209
a = $57.41 @ hour

overtime would be $86.12@hr


Here's the algebra behind your $1,000 paycheck / 60 hour week.

(40 x a) + (20 x 3a/2) = $1,000
40a + 30a = $1,000
70a = $1,000
a = $1,000/70
a= $14.29 @ hour

overtime would be $21.44@hr

Your $16.66 guesstimate would be an average of the total hours worked, not the actual hourly rate being paid for regular hours or overtime hours.
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Re: Left Wing Lunacy

Post  Gomezz Adddams on Thu Apr 14, 2016 1:07 pm

Actually for payroll purposes a month is generally calculated as having 4.5 weeks. Over a 3 month period of time that would be calculated as 13.5 weeks not 12. You know nothing about calculating payroll, you know nothing about pricing margins, you can't even make up a simple story problem without fcuking that up. Tits on a boar, useless as tits on a boar.
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Re: Left Wing Lunacy

Post  BladeRunner on Thu Apr 14, 2016 1:09 pm

Student Loans are not necessary if you've got a desire to work and stay out of debt.

My son is living proof of this. I just did his taxes. His AGI was about 20K for the SUMMER--and he didn't even work the entire 3 months.

Just got to be willing to get off your arse and get-er-done.
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Re: Left Wing Lunacy

Post  Dr. Evil on Thu Apr 14, 2016 1:13 pm

Gomezz Adddams wrote:FWIW, here's the algebraic formula. (7th or 8th grade math, but obviously you slept through math school)

(80 x a) + (86 x 3a/2) = $12,000
80a + 129a = $12,000
209a = $12,000
a = $12,000/209
a = $57.41 @ hour

overtime would be $86.12@hr


Here's the algebra behind your $1,000 paycheck / 60 hour week.

(40 x a) + (20 x 3a/2) = $1,000
40a + 30a = $1,000
70a = $1,000
a = $1,000/70
a= $14.29 @ hour

overtime would be $21.44@hr

Your $16.66 guesstimate would be an average of the total hours worked, not the actual hourly rate being paid for regular hours or overtime hours.
No shiit Sherlock.

The rest of your post is completely meaningless.


Last edited by Dr. Jones on Thu Apr 14, 2016 1:28 pm; edited 1 time in total
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Re: Left Wing Lunacy

Post  Dr. Evil on Thu Apr 14, 2016 1:18 pm

Gomezz Adddams wrote:Actually for payroll purposes a month is generally calculated as having 4.5 weeks. Over a 3 month period of time that would be calculated as 13.5 weeks not 12. You know nothing about calculating payroll, you know nothing about pricing margins, you can't even make up a simple story problem without fcuking that up. Tits on a boar, useless as tits on a boar.
You're insane.  How many weeks are in three months?  Here's a hint: It's not a trick question, no matter how hard you try to make it one.
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Re: Left Wing Lunacy

Post  Gomezz Adddams on Thu Apr 14, 2016 1:43 pm

Dr. Jones wrote:
Gomezz Adddams wrote:Actually for payroll purposes a month is generally calculated as having 4.5 weeks. Over a 3 month period of time that would be calculated as 13.5 weeks not 12. You know nothing about calculating payroll, you know nothing about pricing margins, you can't even make up a simple story problem without fcuking that up. Tits on a boar, useless as tits on a boar.
You're insane.  How many weeks are in three months?  Here's a hint: It's not a trick question, no matter how hard you try to make it one.

How many weeks in a year Fcukstik? Here's a hint: 52

How many weeks in your 4 weeks/12 months? 48

Where the fcuk are your other 4 weeks?

For greater accuracy the calculation should be 4.333 weeks per month not 4.5 as I previously stated. If you are paid biweekly (26 paychecks) you will have two months per year where you get three checks in that month not two. With your calculations you are getting shorted 1 weeks pay. At $58@hr you didn't need it anyways.
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Re: Left Wing Lunacy

Post  nightlight88 on Fri Apr 15, 2016 10:27 am

One of the biggest mistakes and biggest heist of personal rights belong to the leftwinglug nuts and the O-man, loser in chief.

http://thehill.com/policy/healthcare/276366-insurers-warn-losses-from-obamacare-are-unsustainable


All the lies (promises) by the left that Obamacare will solve all the nation's health care problems has "come home to roost"

The blatent lies by the half negro Marxist were sucked in and digested by idiots like hammy, dr mengela, and the Ex factor bairn. Willfully uninformed or genetically unequipped to comprehend, they gleefully jumped on the watermelon wagon and bowed down to the idol of 'free stuff'.

I don't believe in karma but if there is such a thing, I hope her payback to them is a bitch.
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Re: Left Wing Lunacy

Post  Dr. Evil on Fri Apr 15, 2016 12:10 pm

nightlight88 wrote:One of the biggest mistakes and biggest heist of personal rights belong to the leftwinglug nuts and the O-man, loser in chief.

http://thehill.com/policy/healthcare/276366-insurers-warn-losses-from-obamacare-are-unsustainable


All the lies (promises) by the left that Obamacare will solve all the nation's health care problems has "come home to roost"

The blatent lies by the half negro Marxist were sucked in and digested by idiots like hammy, dr mengela, and the Ex factor bairn.  Willfully uninformed or genetically unequipped to comprehend, they gleefully jumped on the watermelon wagon and bowed down to the idol of 'free stuff'.

I don't believe in karma but if there is such a thing, I hope her payback to them is a bitch.
Cry me a fukcing river.  Let them leave.  What purpose do they serve?  They don't make anything.  They provide no services.  They don't save lives. They're nothing.  Nobody. They're parasites, and there's no room in the healthcare industry for parasites.  Shiit's expensive enough as.  These are people who didn't wanna become doctors, or scientists, or engineers to design medical equipment, but still wanted to get their hands in on one of the most lucrative industries in the nation.  Fucck them.   They can go pound sand.  We can pay our dues to a non profit exchange and kick them to the curb.
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Re: Left Wing Lunacy

Post  nightlight88 on Fri Apr 15, 2016 12:57 pm

Dr. Jones wrote:
nightlight88 wrote:One of the biggest mistakes and biggest heist of personal rights belong to the leftwinglug nuts and the O-man, loser in chief.

http://thehill.com/policy/healthcare/276366-insurers-warn-losses-from-obamacare-are-unsustainable


All the lies (promises) by the left that Obamacare will solve all the nation's health care problems has "come home to roost"

The blatent lies by the half negro Marxist were sucked in and digested by idiots like hammy, dr mengela, and the Ex factor bairn.  Willfully uninformed or genetically unequipped to comprehend, they gleefully jumped on the watermelon wagon and bowed down to the idol of 'free stuff'.

I don't believe in karma but if there is such a thing, I hope her payback to them is a bitch.
Cry me a fukcing river.  Let them leave.  What purpose do they serve?  They don't make anything.  They provide no services.  They don't save lives. They're nothing.  Nobody. They're parasites, and there's no room in the healthcare industry for parasites.  Shiit's expensive enough as.  These are people who didn't wanna become doctors, or scientists, or engineers to design medical equipment, but still wanted to get their hands in on one of the most lucrative industries in the nation.  Fucck them.   They can go pound sand.  We can pay our dues to a non profit exchange and kick them to the curb.


I am glad you feel the same way about other parasites as well, illegal immigrants, welfare queens, etc.

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Re: Left Wing Lunacy

Post  Dr. Evil on Fri Apr 15, 2016 1:05 pm

nightlight88 wrote:
Dr. Jones wrote:
nightlight88 wrote:One of the biggest mistakes and biggest heist of personal rights belong to the leftwinglug nuts and the O-man, loser in chief.

http://thehill.com/policy/healthcare/276366-insurers-warn-losses-from-obamacare-are-unsustainable


All the lies (promises) by the left that Obamacare will solve all the nation's health care problems has "come home to roost"

The blatent lies by the half negro Marxist were sucked in and digested by idiots like hammy, dr mengela, and the Ex factor bairn.  Willfully uninformed or genetically unequipped to comprehend, they gleefully jumped on the watermelon wagon and bowed down to the idol of 'free stuff'.

I don't believe in karma but if there is such a thing, I hope her payback to them is a bitch.
Cry me a fukcing river.  Let them leave.  What purpose do they serve?  They don't make anything.  They provide no services.  They don't save lives. They're nothing.  Nobody. They're parasites, and there's no room in the healthcare industry for parasites.  Shiit's expensive enough as.  These are people who didn't wanna become doctors, or scientists, or engineers to design medical equipment, but still wanted to get their hands in on one of the most lucrative industries in the nation.  Fucck them.   They can go pound sand.  We can pay our dues to a non profit exchange and kick them to the curb.


I am glad you feel the same way about other parasites as well, illegal immigrants, welfare queens, etc.

If you could get people like your fearless leader Donald Trump to quit hiring illegals they wouldn't be here.
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Re: Left Wing Lunacy

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