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FrozenVent posted:Glorious socialism. Thought we were talking about the United States crazy tuition costs. Even instate, the public university in my area is $14,000 a year before poo poo like books and room/board. silicone thrills fucked around with this message at 19:40 on Jun 13, 2014 |
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Jun 13, 2014 18:57
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I thought I was getting mugged at $25K even with a $20K grant.
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Jun 13, 2014 18:59
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Tigntink posted:Thought we were talking about the United States crazy tuition costs. Yes, that's why I was responding to this chain of comments: Zhentar posted:The sad thing is, a lot of the student debt isn't even from tuition; people want to go off and live on their own, without a job, but keep up the same middle class lifestyle their parents were maintaining. Oxxidation posted:Just gonna step in and say that this is a malicious loving lie, the majority of fees are absolutely from tuition and statements like this just insinuate that it's the students' fault for poor lifestyle choices or whatever. With: FrozenVent posted:This depends on where you are though; my technical diploma ran my parents and I something like 20k over four years; of that about $700 was tuition.
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Jun 13, 2014 18:59
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Tigntink posted:Thought we were talking about the United States crazy tuition costs. Yeah, we're discussing the US, not the civilized world. Student debt is one of our financial elites' favorite ways of gouging out more money from the people beneath them (i.e., everyone). Even lower-tier schools can be tens of thousands of dollars per semester, and financial aid of any type is cut at every opportunity.
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Jun 13, 2014 19:03
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FrozenVent posted:Yes, that's why I was responding to this chain of comments: Depends on where you are made it sound like some school in Montana was awesome or you had a ton of grants and scholarships, not that you were in another country. Thanks for clarifying though, I was rather befuddled.
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Jun 13, 2014 19:07
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Pinball posted:Well, of course I'd like to get married, I just don't want to assume it'll happen. The next school district over from my hometown apparently has teachers at over $100k/year. And this is in a a rural area. Not surprisingly they school district is in deep poo poo and hemorrhaging money from that I can tell. I think my mom maxed out at 60something in my home school district.
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Jun 13, 2014 19:11
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Interrupting tuition chat to tell about my cousin who is bad at life and unsurprisingly is bad with money. Her problem is she is impulsive and tends to spend about 10 seconds before making irreversible life decisions. She is 30 now but she has always been like this. In high school she fell in love with this guy in England on the internet. She lives in Vermont. He came over and visited and he was a really cool kid and she decided to go to college in Sheffield to be with him. Everyone is thinking “that’s neat, she will have the opportunity to experience another country, good for her” Unfortunately he broke up with her after about 6 months, mostly because she is clingy and needy. She was heartbroken, but not for very long because after about 4 days she was madly in love with this aging bum twice her age who didn’t work and lived in his mom’s basement. But he was a rock star. His only source of income was working gigs at bars on weekends. Having a real job is beneath him. That’s how they met, she went to a pub and he happened to be playing that night. He was creepy and gross, and soon started beating her. He isolated her from her family and friends, which wasn’t hard to do because we don’t have family in England and she never made any friends other than the guy she moved out there for. It worked out really good for him because he has friends in Florida, wanted to move there and marrying an American really helped. So after about a month they got married at city hall and didn’t tell anyone. The only way any of us found out was my aunt went through her stuff when she was visiting and she found the marriage certificate. So they move to Florida where he becomes even more of a bum and she gets a job at Waffle house for $2.50 plus tips and therefore becomes the breadwinner of the family. He continues to beat her and tell her that she is getting fat, but of course it doesn’t matter what he looks like. They aren’t making it in Florida so they move back to his mom’s basement in Sheffield. But the economy isn’t good there so they move back to Florida after a few months, where they both get jobs at Walmart. He quits after about 3 weeks, she keeps working there. At this point they were together for about 4 years. Thank God they never had kids. The pharmacist at Walmart notices her and she opens up to her about her living situation, their poverty, the beatings and helps her escape. She stays with the pharmacist who helps her get a restraining order against the husband, calls my aunt and uncle, they will pay for a ticket to Vermont, but after 3 days she falls madly in love with the short order cook where she got lunch so she decides to stay in Florida. They get married after a few months. He is a pot head, eats like crap, he’s 40 already falling apart physically, but overall he is a huge improvement over husband number 1. They eventually move to Vermont one town over, buy a cheap starter house, have a couple kids. She works in retail, he is a cook but he only works about 20 hours a week, more in summer but even then it’s not full time. They are always running out of money, my aunt and uncle are always buying groceries and helping with the mortgage. They ran out of firewood in January, which is a problem because the snow doesn’t melt until the end of April so the rest of the winter my uncle was bringing them wood every 2 weeks. Husband number 2 didn’t even help stack it. But compared to where she was with husband number 1, this is still better. This spring husband 2’s mother dies and they sell her house in Florida. He is the only heir and gets the money. What do they do? Pay off their house? Start a college fund? Have an emergency fund so they can stand on their feet financially? None of these. I guess they do pay off their credit cards, but they have about $25,000 left over, which they use to buy a 1980’s Ferrari from Connecticut, completely sight unseen. My uncle has a mechanic friend who offers to look at it before she pulls the trigger and buys it, but it is already loaded up and ready to go before he can look at it. They pay to have it shipped up to Vermont. My uncle is a mechanic too, looks at it. It is actually in pretty good shape and begins to restore it. He gets it started and it is a beautiful car. She posts about a thousand pictures on face book. She is too impatient to wait for her dad to finish work on it, she wants to drive it. He begs her, it isn’t ready, needs a new suspension still. She ignores him, says she will drive it really slow. But because there is no suspension to speak of, the car is bouncing like crazy on the road. That caused something to spark and then the battery exploded, and then the car caught on fire and was totaled. She got out with seconds to spare. Stupidly (notice a trend) they only had liability insurance on it to save money. What is their next step, considering their inheritance went up in flames? The same day they go to the bank and apply for a loan because she wants to buy another Ferrari. The loan goes through. Our entire family is aghast. How can you be so stupid? Her husband doesn’t like the idea, but he says the husband’s job is to keep the wife happy. Everyone tried to talk her out of it, but the day they get their loan she puts in a bid on Ebay and wins an auction for one being sold in Beverly Hills, of course sight unseen. As of now it is still there because it will cost about $3000 to ship it. She thinks it will be cheaper to fly out and drive it across the country. What could possibly go wrong with driving a 30 year old Ferrari 3000 miles, seeing how their other one caught on fire after being driven 5 miles?
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Jun 13, 2014 19:19
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Thank you for stopping the tuition chat and that story. Holy poo poo, I just can't imagine what it must be like inside her head  Do you have any pics of the first Ferrari? Before or after, but preferable after.
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Jun 13, 2014 19:23
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What was your cousin's home life like growing up? Sounds like she was abused.
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Jun 13, 2014 19:25
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I MUST DRIVE A FERRARI. NO ONE CAN STOP ME.
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Jun 13, 2014 19:27
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Lowness 72 posted:I MUST DRIVE A FERRARI. NO ONE CAN STOP ME. For $5,000/mile you should get to drive a Bugatti Veyron or something of that caliber. VVVVVV Please take the tuition chat to another thread or start one. Nocheez fucked around with this message at 19:34 on Jun 13, 2014 |
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Jun 13, 2014 19:29
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Oxxidation posted:Even lower-tier schools can be tens of thousands of dollars per semester Perhaps among private schools (or out of state tuition). There aren't any public universities with in-state tuition hitting ten thousand a semester. Many are below ten thousand a year. Of course, everyone tells you not to consider the cost when choosing a school, so that can easily lead you off to something much worse... Tigntink posted:I finished school with $95,000 in debt after full pell grants, scholarships, worked 35hr per week during school year, as many hours as I could between quarters and I lived in a $300 a mo apartment - 2 bedrooms, 3 people. This was in no way pretending to be middle class. I grew up drinking hot dog water poor so I didn't even understand the concept of people buying sodas and poo poo. That was a loving luxury growing up. Which I'm guessing is what happened to you? Usually "hot dog water poor" people qualify for enough need based assistance to not end up in that deep (speaking from second-hand experience).
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Jun 13, 2014 19:31
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Nocheez posted:Thank you for stopping the tuition chat and that story. Holy poo poo, I just can't imagine what it must be like inside her head I will see if it is still on facebook. She is a twin, her sister kind of stumbled, but she is doing really well now. I know they were never abused, but something about them was always different with them. I think they are somewhere on the autism spectrum. If you try to have a conversation with her, it just doesn't go anywhere. I talked to her husband about what is going on, and tried to tell him to put his foot down. According to him the reasoning is that she went through such a rough period in her life, she wants to have this status symbol to brag to all the people in the world who ever doubted her and brag that she made it. The whole thing is really sad.
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Jun 13, 2014 19:35
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Jesus that one is really depressing. I can't imagine finally having money to my name for the first time and spending it all at once to buy a car.
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Jun 13, 2014 19:36
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Jeffrey posted:Jesus that one is really depressing. I can't imagine finally having money to my name for the first time and spending it all at once to buy a car. That's pretty normal, though, right? The only thing that makes this odd is that it's a Ferrari. Hell, most people can't even wait until they have money. Almost everybody I know bought a new car as soon as they got a "real" job after school. And I've been to school twice and in two very different economies.
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Jun 13, 2014 19:48
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This now makes Jastiger good with money.
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Jun 13, 2014 19:49
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Jastiger posted:This now makes Jastiger good with money. Nice try, but no.
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Jun 13, 2014 19:51
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Jeffrey posted:Jesus that one is really depressing. I can't imagine finally having money to my name for the first time and spending it all at once to buy a car. My mother, who has been hot dog water poor for most of my life managed to somehow buy a house in 2002 that she shouldn't have been able to afford, and then while in foreclosure for it in 2006 or 2007 managed to sell it for a fairly large profit, like cleared $30k if memory serves after all was said and done. It was all gone by 2009-2010 and she remains dirt poor to this day. I routinely cut her small checks to help her get by (that's my own Bad With Money demon, but that's another story). Most of the money went to buying a car outright and the rest of it went to helping her meth addicted sister in CA while neither of them was working. I remain a little bitter about it, because I was monetarily invested in the house as well and wound up with almost nothing from it. I think she's declared bankruptcy twice? It was a while ago, and she hasn't had a single stitch of credit/loans since, so she's probably in "OK" shape at this point but goddamn.
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Jun 13, 2014 19:58
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I drive to work Mon - Fri and it costs me about $60 a week to run in petrol and insurance, less if I'm a bit smoother with my driving. If I could bus and know I'm going to get to work on time, I would, but it would cost me about $9 a day and add an hour of time onto my journey each way. I can see PT not working for everyone though, especially if you've got a sports practice or something after work or your city is dangerous as hell for cycling (e.g. mine).
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Jun 13, 2014 20:00
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Eden posted:I s'pose that this is even worse than r/personalfinance but if it's shadenfreude you're after, it's schadenfreude you'll get. This is why you never marry someone you've known for only a year.
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Jun 13, 2014 23:13
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Zeta Taskforce posted:
Completely lost it here. Like it was a Steinbeckian tale of woe and bad decisions to this point, but the second Ferrari takes into absurdity. My lord.
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Jun 13, 2014 23:38
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Tigntink posted:I finished school with $95,000 in debt after full pell grants, scholarships, worked 35hr per week during school year, as many hours as I could between quarters and I lived in a $300 a mo apartment - 2 bedrooms, 3 people. This was in no way pretending to be middle class. I grew up drinking hot dog water poor so I didn't even understand the concept of people buying sodas and poo poo. That was a loving luxury growing up.
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Jun 14, 2014 00:25
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SiGmA_X posted:What type of degree did you get? Holy gently caress? That is really expensive... I work in student loans. I've seen someone with $520k in loans with interest at $80 a DAY who still hadn't received their medical degree. The big factors towards someone owing alot comes from either attending a really good school, having many parent plus loans, going to a for profit shithole and getting a masters degree at the for profit shithole. For profit schools will max out what a student can take in a year and then some, and no one ever seems to get in trouble for it. FastTrain in Miami was charging online students for room and board and the Department of Ed still didn't step in until the FBI and Department of Justice did. The deregulation around the Department of Ed is staggering, they are toothless.
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Jun 14, 2014 01:13
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Eden posted:I s'pose that this is even worse than r/personalfinance but if it's shadenfreude you're after, it's schadenfreude you'll get. Haha, someone even posted divorce.gif in that thread.
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Jun 14, 2014 02:08
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HelloIAmYourHeart posted:Haha, someone even posted divorce.gif in that thread. Ahaha they changed the first "Hey you!" but left the thread listing 
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Jun 14, 2014 02:56
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Zeta Taskforce posted:What could possibly go wrong with driving a 30 year old Ferrari 3000 miles, seeing how their other one caught on fire after being driven 5 miles? They do it on Top Gear all the time, and it's fun to watch.
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Jun 14, 2014 03:03
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FrozenVent posted:Ahaha they changed the first "Hey you!" but left the thread listing
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Jun 14, 2014 04:16
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Oxxidation posted:Just gonna step in and say that this is a malicious loving lie, the majority of fees are absolutely from tuition and statements like this just insinuate that it's the students' fault for poor lifestyle choices or whatever. you won't believe the amount students who just don't apply for financial aid/scholarships because "it's too hard"
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Jun 14, 2014 04:20
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BlueChocolate posted:you won't believe the amount students who just don't apply for financial aid/scholarships because "it's too hard" You wouldn't believe the amount of educational institutions that poorly prepare their students for the actuality and reality of the living world.
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Jun 14, 2014 17:56
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QuiteEasilyDone posted:You wouldn't believe the amount of educational institutions that poorly prepare their students for the actuality and reality of the living world.  *From what I remember, those sadly did make up the bulk of the scholarships out there. It seems kind of bullshit when everyone tells you "there are scholarships for everything!!!", and when you actually search for scholarships you see that most of them are $250-500 scholarships for really obscure things. Yeah, investing an hour into writing an application would still be a really good return, but at the time all you're thinking is "what the hell, I thought scholarships gave you more money than that." (I did have over half my college paid for thanks to being poor, having good grades, and filling out my FAFSA, but  )
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Jun 14, 2014 18:29
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All the scholarships in my high school graduating class went to the only 2 kids who bothered reading the bulletin board and applying for them. There were like 20 scholarships. That went to 2 kids. Neither of which was even close to Valedictorian. Our guidance counselors sucked. I didn't even know the bulletin board existed. EugeneJ fucked around with this message at 18:58 on Jun 14, 2014 |
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Jun 14, 2014 18:55
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Haifisch posted:When you're fresh out of high school, the idea of applying for a bunch of sub-$1000 scholarships* seems like too much work for too little reward when you're on the hook for 10,000+. Then you graduate college and realize that poo poo would have added up. This is spot on. I wish I had the opportunity to make $250/hr writing essays now that I actually am thinking about the time value of money. Oh well. v v
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Jun 14, 2014 19:01
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Unless you get a nice scholarship I think the best way to get an undergraduate degree in the US is to go to community college for two years and work part time. You can still do 3-4 years at a regular university but you'll have some money saved up and some credits which give you the freedom to focus on your major. You'll also be two years older which can make all the difference maturity wise. To add some bad with money content: My roommate for my senior year of college was a huge gently caress up. Pretty smart guy, well dressed, good looking, from a well off family etc etc. All he did was smoke weed, never went to class. Spent 3.5 years and family dished out at least 60k a year for him to smoke weed and play video games on the other side of the country. He eventually was suspended but continued to live with friends in college "going to community college" until the parents finally forced him to come home. Family dished out at least 200k and he has absolutely nothing to show for it. He withdrew or failed most of the classes he took so there isn't really even an option of him going back to college. His family is friends with some wealthy people so I'm sure he'll end up getting some sort of decent job but I think he's going to continue relying on bailouts from friends and family for the rest of his life.
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Jun 14, 2014 19:07
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EugeneJ posted:All the scholarships in my high school graduating class went to the only 2 kids who bothered reading the bulletin board and applying for them. Luckily my mom forced me to apply for scholarships my senior year in high school. So at the awards ceremony for grades/accomplishments at the end of the year, I walked away with 5 scholarships (2 of them by default becuase no else applied). The big one was a $10,000/year for 2 years stipend from the Free Masons of California which leads me to believe they'll be asking me for a "favor" in the future  .
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Jun 14, 2014 19:46
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laxbro posted:Unless you get a nice scholarship I think the best way to get an undergraduate degree in the US is to go to community college for two years and work part time. You can still do 3-4 years at a regular university but you'll have some money saved up and some credits which give you the freedom to focus on your major. You'll also be two years older which can make all the difference maturity wise. He can just wait two-four years and apply for academic/progress renewal, if he decides to go back.
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Jun 14, 2014 19:47
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Scholarships aren't an option for everyone. I went to a school with a graduating class of 2, and while I had a 4.0 I was I ineligible for every scholarship I applied for due to that. Minimum class size was like 10 to 16Ish.
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Jun 14, 2014 20:11
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blugu64 posted:Scholarships aren't an option for everyone. I went to a school with a graduating class of 2, and while I had a 4.0 I was I ineligible for every scholarship I applied for due to that. Minimum class size was like 10 to 16Ish. well I hope you and the other guy got along
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Jun 14, 2014 20:35
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Jeffrey posted:well I hope you and the other guy got along She was ugly, and prom was awkward.
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Jun 14, 2014 20:38
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THE RED MENACE posted:Luckily my mom forced me to apply for scholarships my senior year in high school. So at the awards ceremony for grades/accomplishments at the end of the year, I walked away with 5 scholarships (2 of them by default becuase no else applied). The big one was a $10,000/year for 2 years stipend from the Free Masons of California which leads me to believe they'll be asking me for a "favor" in the future
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Jun 14, 2014 20:48
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Most Freemason scholarships are for the sake of good will and not at all money laundering. So, the expectation is some sort of community service and in no way as a bag man or knock around guy.
balancedbias fucked around with this message at 21:00 on Jun 14, 2014 |
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Jun 14, 2014 20:57
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