Joe Ferguson forever Posted May 29 Posted May 29 It's not either/or. Send your kid to 2 years at community college. Get all A's. Transfer and graduate from a top instate school. Employers see where your degree is from and you or your kid have little debt, a better , more functional mind and significantly improved earning potential in most cases. Re covid lock downs, China had the most draconian population health restrictions. Their economy suffered as a result. Do you really believe their economic and health advisors did this without modeling of outcomes with and without restrictions? Millions died worldwide but no big deal to the empty headed MAGAs.... 1 1
Tommy Callahan Posted May 29 Posted May 29 (edited) 30 minutes ago, 4th&long said: It’s not what college focuses on it’s what you people focus on. I can go to college again today and focus on math and science or whatever and not need them classes. I’m not sure if my brothers step son needs to take a certain class but he just tells his professor what he wants to hear to avoid all the bull ***** they might be pushing. He doesn’t believe a word his professor says. Most of these kids are already in their 20’s and have formed opinions, probably from what their parents believe, before they walk into college. Just like my father was a bills fan, I’m a bills fan, my kids are bills fans. "you people" The fact is it's called an "entrance exam" and most kids entering college, are spending the first year taking high school level classes. at what, 20K a year. then dropping out. Kids don't graduate high school in their 20's. before the feds started doing the loans for schools, only 20 percent of the population had one. The lie is "everyone is capable, and everyone needs a degree" 13 minutes ago, Joe Ferguson forever said: It's not either/or. Send your kid to 2 years at community college. Get all A's. Transfer and graduate from a top instate school. Employers see where your degree is from and you or your kid have little debt, a better , more functional mind and significantly improved earning potential in most cases. 2 in 5 (39%) Between 2020 and 2021, 2 in 5 (39%) full-time, first-year undergraduates at public two-year schools — such as community colleges — dropped out of school. And if you are a responsible parent that gives a rats about your child after they leave the nest. you are having these real conversations vs the schools that only promote college. Trades are thriving. Edited May 29 by Tommy Callahan
Big Blitz Posted May 29 Author Posted May 29 (edited) 1 hour ago, Joe Ferguson forever said: Millions died worldwide but no big deal to the empty headed MAGAs.... Nah. We were just saying wait till we have data that isn’t from China (fake pics of people dead in the street) or video from a hospital in Northern Italy from 2013 before shutting down earth. That was pretty empty headed almost like there were ulterior motives. TDS. FED Warns Against Rising Delinquency Rates, Calls It A "Leading Indicator That Things Are About To Get Worse" The data indicates that the transition rates into delinquency have surged across all debt categories. About 8.9% of credit card balances and 7.9% of auto loans have become delinquent annually. Although the transition rate for mortgages increased by 0.3 percentage points, it remains low by historical standards. "In the first quarter of 2024, credit card and auto loan transition rates into serious delinquency continued to rise across all age groups," said Joelle Scally, Regional Economic Principal within the Household and Public Policy Research Division at the New York Fed. "An increasing number of borrowers missed credit card payments, revealing worsening financial distress among some households." https://finance.yahoo.com/news/fed-warns-against-rising-delinquency-203014867.html Edited May 29 by Big Blitz 1 1
Joe Ferguson forever Posted May 29 Posted May 29 1 minute ago, Tommy Callahan said: The lie is "everyone is capable, and everyone needs a degree" which no one ever said. some schools have open admissions. anyone with 5 brain cells knows these are not desirable schools. I gave a scholarship at our local high school awards day recently. Overwhelmingly, the kids were planning solid bet careers with degrees from the best schools they could gain admission to or using the community college strategy. The kids who figure this out will do well. The clueless will remain so. but yeah, many kids are wasting money on college. 10 minutes ago, Tommy Callahan said: 2 in 5 (39%) Between 2020 and 2021, 2 in 5 (39%) full-time, first-year undergraduates at public two-year schools — such as community colleges — dropped out of school. this is relatively inexpensive experimentation for the academically marginal. For the top deciles, it's nearly a sure bet. 1
Tommy Callahan Posted May 29 Posted May 29 (edited) 5 minutes ago, Joe Ferguson forever said: which no one ever said. some schools have open admissions. anyone with 5 brain cells knows these are not desirable schools. I gave a scholarship at our local high school awards day recently. Overwhelmingly, the kids were planning solid bet careers with degrees from the best schools they could gain admission to or using the community college strategy. The kids who figure this out will do well. The clueless will remain so. but yeah, many kids are wasting money on college. Every school counselor and teacher promote going directly to college. Did you see any nazi recruitment papers while you were at that imaginary ceremony? The kids that didn't get As in High school, going to have a hard time getting them in college. you read like its 1970 or something. you see the college debt bubble? if it was working as you stated, that wouldn't be a problem as they would all grow to be able to pay back those loans with no problem. BTW. Every kids' application through the fed uses the parents' income. BTW. $9,845 to $20,091 per year The average cost of an associate degree at a community college in the U.S. for in-state students ranges from $9,845 to $20,091 per year, depending on their living arrangements1. This includes tuition, fees, and other expenses. Private two-year institutions can cost more, with nonprofit institutions averaging around $30,850 per year and for-profit institutions around $24,300 per year2. $1.75 trillion Average Student Loan Debt in the United States $1.75 trillion in total student loan debt (including federal and private loans) $28,950 owed per borrower on average 2-5 kids drop out of community college. Edited May 29 by Tommy Callahan
aristocrat Posted May 29 Posted May 29 How about you dont forgive loans for kids with stupid degrees. like gender studies 1
Joe Ferguson forever Posted May 29 Posted May 29 (edited) 9 minutes ago, Tommy Callahan said: you see the college debt bubble? if it was working as you stated, that wouldn't be a problem as they would all grow to be able to pay back those loans with no problem. "every" is rarely correct. I didn't say it was working as I outlined, only that it's a good strategy that I saw in action in friends families and yes, at the awards ceremony during which almost 50 scholarships were awarded by mostly civic groups or individual memorials. There is no doubt, that overall, education level is directly proportional to lifetime earnings. Of course there are outliers and the trades are an example. you seem surprised that there are winners and losers among higher ed students. why? it's the same in the workplace. it's the same everywhere. some data on earnings vs education level. Edited May 29 by Joe Ferguson forever
Tommy Callahan Posted May 29 Posted May 29 (edited) 3 minutes ago, Joe Ferguson forever said: "every" is rarely correct. I didn't say it was working as I outlined, only that it's a good strategy that I saw in action in friends families and yes, at the awards ceremony during which almost 50 scholarships were awarded by mostly civic groups or individual memorials. There is no doubt, that overall, education level is directly proportional to lifetime earnings. Of course there are outliers and the trades are an example. your talking about the outlier. how many in the graduating class? Who do you think is going to install all this solar, fiber, AI centers? maintain it? repair it? Do you even know what the 80-year pension is (age plus time of service and its retirement)? how much a journeyman makes now? Edited May 29 by Tommy Callahan
The Frankish Reich Posted May 29 Posted May 29 I'm also surprised by how many parents/grandparents don't set up 529 plans for their kids/grandkids. I'm not talking about the people who simply can't afford it. I'm talking about people who take really expensive vacations, drive really expensive cars, etc.
Joe Ferguson forever Posted May 29 Posted May 29 (edited) 4 minutes ago, Tommy Callahan said: your talking about the outlier. how many in the graduating class? Who do you think is going to install all this solar, fiber, AI centers? maintain it? repair it? Do you even know what the 80-year pension is (age plus time of service and its retirement)? how much a journeyman makes now? the trades have been a good choice for decades. no argument. but they are outliers re earnings https://www.bls.gov/careeroutlook/2023/data-on-display/education-pays.htm Edited May 29 by Joe Ferguson forever 1
BillStime Posted May 29 Posted May 29 1 hour ago, Big Blitz said: Um - no. They are going into college now. Maybe read the OP and thread title before you spew Trump memes. This is about the kids graduating High School this month. Um - yes - Trump was POTUS when they started.
The Frankish Reich Posted May 29 Posted May 29 26 minutes ago, Joe Ferguson forever said: the trades have been a good choice for decades. no argument. but they are outliers re earnings https://www.bls.gov/careeroutlook/2023/data-on-display/education-pays.htm Just have a plan, kids. Whether it's college and a marketable degree/skills, or whether it's something that doesn't require a degree. Just. Have. A. Plan. I don't mean "I want to be a social media influencer" or "I want to be a DJ." I mean a real-world, not a 1 in 1,000 type plan. Walking out of court a few weeks ago, I watched a dad laying down the law for his 20ish kid. Looked like the kid had just had charges against him dismissed. Dad: "Sign up to work for UPS. Live at home and save your money. You'll get 80K a year. Take off 20 for tax. Do that for 5 years. You'll have $300K. Buy a house and by 25 you'll be set." I couldn't agree more. Will the kid follow that advice? I doubt it. 3
Big Blitz Posted May 29 Author Posted May 29 4 minutes ago, BillStime said: Um - yes - Trump was POTUS when they started. Wow. You really do still think he’s POTUS. When they start their 2nd semester sure. No. I’m talking about the high school class of 2024. Most definitely not starting college with Trump in office.
Joe Ferguson forever Posted May 29 Posted May 29 10 minutes ago, The Frankish Reich said: Just have a plan, kids. Whether it's college and a marketable degree/skills, or whether it's something that doesn't require a degree. Just. Have. A. Plan. I don't mean "I want to be a social media influencer" or "I want to be a DJ." I mean a real-world, not a 1 in 1,000 type plan. Walking out of court a few weeks ago, I watched a dad laying down the law for his 20ish kid. Looked like the kid had just had charges against him dismissed. Dad: "Sign up to work for UPS. Live at home and save your money. You'll get 80K a year. Take off 20 for tax. Do that for 5 years. You'll have $300K. Buy a house and by 25 you'll be set." I couldn't agree more. Will the kid follow that advice? I doubt it. and be realistic, both parents and kids. professional school is likely not in the cards if you score 400 on the SAT's. Acting school is not a good idea if you only ever got supporting roles in high school productions. paper hanging is not a good path if you only have one arm....it's not rocket surgery. In some European countries, the die is cast by high stakes exams during high school. harsh but realistic... 1
The Frankish Reich Posted May 29 Posted May 29 4 minutes ago, Joe Ferguson forever said: and be realistic, both parents and kids. professional school is likely not in the cards if you score 400 on the SAT's. Acting school is not a good idea if you only ever got supporting roles in high school productions. paper hanging is not a good path if you only have one arm....it's not rocket surgery. In some European countries, the die is cast by high stakes exams during high school. harsh but realistic... One of the great aspects of American life has been our openness to allowing second chances, career changes, opportunities for late bloomer students, etc. But yeah, the pendulum did swing too far in that direction. We don't need to rigidly "track" kids into practical trades when they're 14 or foreclose the opportunity for going back to school for those who were tracked in that direction. But we do need to understand that college and a profession of some sort isn't what all kids want or what all kids are capable of doing. 1
4th&long Posted May 29 Posted May 29 1 hour ago, Tommy Callahan said: "you people" The fact is it's called an "entrance exam" and most kids entering college, are spending the first year taking high school level classes. at what, 20K a year. then dropping out. Kids don't graduate high school in their 20's. before the feds started doing the loans for schools, only 20 percent of the population had one. The lie is "everyone is capable, and everyone needs a degree" 2 in 5 (39%) Between 2020 and 2021, 2 in 5 (39%) full-time, first-year undergraduates at public two-year schools — such as community colleges — dropped out of school. And if you are a responsible parent that gives a rats about your child after they leave the nest. you are having these real conversations vs the schools that only promote college. Trades are thriving. Most kids are doing what? LOL. But if you say it it must be true. I don’t know exactly what is being taught in high schools and colleges? I’ve been out for years and we home schooled our kids. They my be teaching a lot of crap but I know I don’t believe what is spewed out on this here Internet 1
Tommy Callahan Posted May 29 Posted May 29 9 minutes ago, 4th&long said: Most kids are doing what? LOL. But if you say it it must be true. I don’t know exactly what is being taught in high schools and colleges? I’ve been out for years and we home schooled our kids. They my be teaching a lot of crap but I know I don’t believe what is spewed out on this here Internet Being told they have to go to college. Have to take remedial math and other high school level courses at college cost. Were you attempting to make a point with your reply
BillStime Posted May 29 Posted May 29 46 minutes ago, Big Blitz said: Wow. You really do still think he’s POTUS. When they start their 2nd semester sure. No. I’m talking about the high school class of 2024. Most definitely not starting college with Trump in office. It was not clear - esp w this title: Class of 2024 - virtual freshmen year 2020 Regardless - Trump was POTUS in 2020. Trump’s amazing economy folded like just like his casinos and required a bailout in March 2020. Keep whining, Ditz 1
Tommy Callahan Posted May 29 Posted May 29 👆👆👆👆👆 reads like it needs to take those remedial classes. 1
BillStime Posted May 29 Posted May 29 6 minutes ago, Tommy Callahan said: 👆👆👆👆👆 reads like it needs to take those remedial classes. Sounds like someone who has nothing.
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