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I believe my mom and my grandma both have their B.S. in library science. My grandma's is unusual because it was practically unheard of for women to go to college in India at the time, and that was one of the few degrees really open to them. My mom took hers and followed it up with additional information science schooling and either a master's in business or computing when I was old enough to go to daycare/school. She eventually became a successful programmer and then software manager here in the U.S. I don't think she ever planned on using her original degree for anything related to actual libraries or museums, and this was before education costs were super out of control.
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Jun 16, 2015 14:12
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Speaking as someone who works in libraries and information management, albeit as an unqualified member of staff, STAY THE gently caress AWAY. It's a dead man's boots industry and rapidly sinking under the weight of cutbacks in a lot of places. Also in the middle of a long transitional period wherein everyone tries to work out what will happen when the core of elderly readers finally dies off, and then what services we will need to be providing to remain on top of the ensuing pile of rubble. I've moved over into corporate records management thanks to an old manager poaching me, it's a bit more stable but gently caress me is it boring.
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Jun 16, 2015 14:51
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The dirty secret about student loans/garnishment is that it absolutely makes sense to run the loans up as high as possible then just let garnishment happen. There's a limit on how much of your paycheck can get garnished and if you're making median income it's something like $600/mo which is way way less than what most people pay if they have private loans that can't be solved with IBR/PAYE. Even better would be to have a kid in a committed relationship but not get married, and let the state garnish that paycheck which I think takes priority over the student loan garnishment. Whee!
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Jun 16, 2015 15:01
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And your credit score?
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Jun 16, 2015 15:41
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oxsnard posted:This idiot: That idiot posted:What if I literally can't afford my payment because I live in a city that literally eats money, but I don't believe having my paycheck seized will help the situation? This schmuck paid $100k to learn how to write sentences like this one.
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Jun 16, 2015 15:56
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http://www.nytimes.com/2015/06/07/opinion/sunday/why-i-defaulted-on-my-student-loans.html?_r=0 This one really bugged me, the boomer author went to a school he felt he "deserved" to go to, chose not to pay his loans, and, after becoming successful in his field, still decided that it's not fair to have to pay. Re: paying too much for a useless degree- my roommate's ex paid for a masters in archaeology, never having an interest in pursuing the PhD, has over $60k in student debt (she doesn't really know how much it is, since she just mails in the minimum each month), and is working as a pharmacy technician. She isn't even trying to apply to office jobs or get different career training, and, until they broke up, was clearly angling to do the stay at home thing once they got married (she never did housework). My roommate isn't always good with money, but breaking up with her was one of his better moves in the past few years. It's bad with money/bad with life to have your financial solvency be dependent on somebody marrying you. She used to try to make fun of me because I didn't make my husband pay for everything, and criticized him for not 'treating me better' (as in taking me out to nice dinners/shopping).
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Jun 16, 2015 16:21
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darkwasthenight posted:Speaking as someone who works in libraries and information management, albeit as an unqualified member of staff, STAY THE gently caress AWAY. A friend of mine who works in a library admits that most of their customers are there to borrow DVDs or use the (free) internet. I didn't even know they had DVDs until he told me. That said, the services the library has these days are pretty impressive, though perhaps less tangible or noticeable than foot traffic. For example, I last visited the library a month ago, but last week I borrowed an eBook. I think library services will still be needed for a long time to come, but the services provided will change in focus and importance.
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Jun 16, 2015 16:38
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borrowing ebooks sounds like something one should do online
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Jun 16, 2015 17:04
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Jeffrey of YOSPOS posted:borrowing ebooks sounds like something one should do online So does watching movies. Also, researching just about any topic. Pretty much everything libraries do is now done better and more conveniently from home. Despite that, I love libraries and hope they stick around forever. The printed word is awesome. Books are full of printed words, which is extra awesome. Libraries are full of books, which is super awesome. You can get most of the functionality of a library at home, but you can't get the feel. I don't know about anyone else, but I still feel wonder and awe when I walk into a library and I am standing in the middle of all those books, and periodicals, stacked to the ceiling and full of excitement, and knowledge, and mystery.
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Jun 16, 2015 17:22
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Centripetal Horse posted:So does watching movies. Also, researching just about any topic. Pretty much everything libraries do is now done better and more conveniently from home. Kids don't know how good they have it. I had to go to OLI and find a list of potential books, and pray the books were in, and then read huge swaths of text to find a fraction of the sources I needed. And if I was lucky, somebody would be jacking off in the cubical next to me. Now you literally just type some poo poo in and there you are. And if you miss the masturbating guy you just open another tab for PornHub.
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Jun 16, 2015 17:48
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darkwasthenight posted:and then what services we will need to be providing to remain on top of the ensuing pile of rubble. Then you'll have time enough at last to read all the books you always wanted to
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Jun 16, 2015 17:53
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Krispy Kareem posted:Kids don't know how good they have it. I had to go to OLI and find a list of potential books, and pray the books were in, and then read huge swaths of text to find a fraction of the sources I needed. And if I was lucky, somebody would be jacking off in the cubical next to me. Now you literally just type some poo poo in and there you are. And if you miss the masturbating guy you just open another tab for PornHub. and you can do all of that on the free library internet - in the future "the library" will just be another name for municipal wifi
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Jun 16, 2015 17:56
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Jeffrey of YOSPOS posted:and you can do all of that on the free library internet - in the future "the library" will just be another name for municipal wifi you vastly overestimate how many books have or will be scanned onto the internet. ive been handling a collection of 12,000 books over the past few months and i guarantee less than 10% are or will ever be fully available as an ebook. knowledge moves on and everything, so maybe it isn't that huge of a deal, but you are not getting the "full picture" of human knowledge just sitting around browsing the internet all day.
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Jun 16, 2015 20:13
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Tautologicus posted:you vastly overestimate how many books have or will be scanned onto the internet. ive been handling a collection of 12,000 books over the past few months and i guarantee less than 10% are or will ever be fully available as an ebook. knowledge moves on and everything, so maybe it isn't that huge of a deal, but you are not getting the "full picture" of human knowledge just sitting around browsing the internet all day. Yeah I don't doubt this at all - not trying to say that libraries suck or anything, I think they are pretty cool and have a membership to my local one. I'll certainly miss it when it's gone. I think it's a bit silly for them to lend out e-books in person when that could be online, but that doesn't mean I think they're obsolete or shouldn't exist. Digitizing book collections is actually a really cool thing that libraries ought to be doing, even if it was not their original purview and might only speed their closing. There is genuinely less of a need for a physical place filled with books, but there's certainly still a need for a group of people who steward repositories of human knowledge/publication. Also I kinda wanted to make a joke about going to the library just to download ebooks and masturbate. Jeffrey of YOSPOS fucked around with this message at 20:27 on Jun 16, 2015 |
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Jun 16, 2015 20:25
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Libraries also have collections that are curated rather than distorted by SEO. Pretty important for a lot of their patrons, especially in the case of public libraries. For a good time, ask a medical reference librarian how he or she feels about doctors using Google Scholar. Libraries are very good with money, given services they provide even beyond book availability. They offer a touchpoint for a lot of social services, computer skills training, Internet access and similar to people for whom it's necessary with money, not just good.
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Jun 16, 2015 20:28
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This clickbaity headline is for an article with pictures of people who are bad with money This one's not doing bad for doing absolutely zero. edit:vvvv I've been in and out of graduate school since 2003, with brief stints of fulltime work in between degrees. Although I have (had!) a small amount of savings it was never commensurate with my decisions to attend an expensive school, cover the difference betweeen income (fellowships, etc) and monthly expenses or support my desires to live in expensive cities (New York, San Francisco). pathetic little tramp fucked around with this message at 21:23 on Jun 16, 2015 |
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Jun 16, 2015 20:58
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Can someone transcribe that for the people who can't read tiny handwriting on a five inch screen, please?
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Jun 16, 2015 21:17
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Jeffrey of YOSPOS posted:Yeah I don't doubt this at all - not trying to say that libraries suck or anything, I think they are pretty cool and have a membership to my local one. I'll certainly miss it when it's gone. I think it's a bit silly for them to lend out e-books in person when that could be online, but that doesn't mean I think they're obsolete or shouldn't exist. Digitizing book collections is actually a really cool thing that libraries ought to be doing, even if it was not their original purview and might only speed their closing. There is genuinely less of a need for a physical place filled with books, but there's certainly still a need for a group of people who steward repositories of human knowledge/publication. You don't have to go to the library to check out ebooks. I have two cards for libraries I've never even visited just for ebooks.
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Jun 16, 2015 21:43
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the littlest prince posted:Can someone transcribe that for the people who can't read tiny handwriting on a five inch screen, please?
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Jun 16, 2015 21:52
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the littlest prince posted:Can someone transcribe that for the people who can't read tiny handwriting on a five inch screen, please? "I've been in and out of Graduate School since 2003, with brief stints of fulltime work between degrees. Although I have (had!) a small amount of savings, it was never commensurate with my decisions to attend an expensive school, cover the difference between income (fellowships, etc) and monthly expenses, or support my desires to live in expensive cities (New York, San Fransisco)." So yeah, what Moana said.
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Jun 16, 2015 22:13
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Not a Children posted:"I've been in and out of Graduate School since 2003, with brief stints of fulltime work between degrees. Although I have (had!) a small amount of savings, it was never commensurate with my decisions to attend an expensive school, cover the difference between income (fellowships, etc) and monthly expenses, or support my desires to live in expensive cities (New York, San Fransisco)." Well, at least he recognizes that both of those things were choices he made, and isn't assuming it's a human right to get a masters degree in Medieval Literature or whatever while living in two of the most expensive urban centers on the continent.
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Jun 16, 2015 22:36
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Got an email from Personal Capital today, it had a link to this lovely article. https://blog.personalcapital.com/financial-planning-2/economics-pet-ownership/ quote:And that was the moment when I realized we had no clue what we were getting into… just how expensive is owning a dog in a city like San Francisco? We would soon learn the hard way how costly our furbaby would be. quote:Monthly Expenses: quote:After our financial analysis, we realized that our sweet Mabel costs us between $578 – 1,000 per month! As soon as we started tracking our spending using Personal Capital’s free tools, we immediately stopped our frivolous trips to the pet store and reduced this in half! Yes, because it was the trips to the pet store, not the $500-$1000/month in costs to walk your dog because you're too busy to do it yourself.
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Jun 17, 2015 01:10
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quote:Frontline Plus Flea and Tick Prevention medicine: $65 per year (Optional, but we thought this was important) Most of that seems reasonable enough except for $500+/month dog walking. Charging $25 for a dog walk sounds good with money though, don't those guys walk like six dogs at once? edit: lol they spend more on their dog than most people do on their kids. Cicero fucked around with this message at 01:33 on Jun 17, 2015 |
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Jun 17, 2015 01:30
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the littlest prince posted:Yes, because it was the trips to the pet store, not the $500-$1000/month in costs to walk your dog because you're too busy to do it yourself. Yeah, that is just bad with money/personal decisions. I remember my ex *really* wanted to get a dog, but because she was a new teacher and lived in her apartment by herself, she knew it wouldn't be responsible (either it went nuts waiting for her to get home everyday, or she paid money she didn't have for someone to walk it for her while she was at work). Happy ending: After a few years in the classroom, she took an education-related job that let her work from home and got a puppy. Bad With Money has much of its roots in delayed gratification (or rather, lack thereof), basically letting "I want thing now" override most other concerns. The Stanford marshmallow experiment is a pretty interesting look into how early these tendencies can manifest in someone's personality, although it's not like scarfing it down as soon as the researcher left the room instantly condemned a preschooler to a life of penury. Here's a Youtube link to an example.
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Jun 17, 2015 01:59
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The real question here is if they bought their depressed dog a busy bee. E: holy poo poo, looking up that scene in best in show hits way too close to home. My parents are those neurotic dog show people, and I've seen them get into worse fights over more petty poo poo than a stuffed toy. I'm gonna go cry now 
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Jun 17, 2015 02:00
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You don't need to take your dog to the vet every month or buy it new toys and treats and accessories every month either. I have two dogs, one of which gets monthly steroid shots for arthritis and I take the other to competitions and weekly practices for said competitions which both cost money. They eat premium $50/bag dog food. My "dogs" category in Mint is $200 and I rarely go over on it, and if I do it's because we went on a trip and had to board the dogs.
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Jun 17, 2015 03:51
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BloodBag posted:The real question here is if they bought their depressed dog a busy bee. Bad with money, you can buy a bear in a bee costume for much less.
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Jun 17, 2015 03:55
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Some of my friends are apparently bad with money. I recently requested a credit limit increase specifically because I was irritated when looking at CreditKarma every month and seeing that I was getting dinged for credit utilization (I guess it's bad to only have generally as much credit as you need...). I told some a few friends about it and their responses were basically "what are you going to do with the extra spending power" and were confused when I said nothing. It's like they thought it was free money, though I guess that explains why my own limit is (now) 5-10x theirs.
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Jun 17, 2015 04:07
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Reminds me of a flatmate and her friend discussing credit cards. The discussion boiled down to always being at the $500 limit and just paying the minimum each month. There seemed to be no understanding that they were just being farmed for the interest. Of course there was no chance of any improvement on that limit giving they were both unable to control their spending. Probably a good thing neither of them got beyond babby's first credit card limit.
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Jun 17, 2015 04:47
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Ornamented Death posted:Some of my friends are apparently bad with money. I recently requested a credit limit increase specifically because I was irritated when looking at CreditKarma every month and seeing that I was getting dinged for credit utilization (I guess it's bad to only have generally as much credit as you need...). I told some a few friends about it and their responses were basically "what are you going to do with the extra spending power" and were confused when I said nothing. It's like they thought it was free money, though I guess that explains why my own limit is (now) 5-10x theirs. This reminds me of that post, from Reddit or somewhere, about the dude who "won" $2,000 in store credit from Best Buy. He literally applied for a store credit card, was approved for $2k, but thought it was free money he could just spend and never have to pay back. He bought a bunch of consoles and games and poo poo for himself and his friends, and when the bill came he couldn't understand why they were asking him to make payments. The sad thing is that's not the only time I've heard stories like this. There are actually lots of people out there who are old enough to apply for credit cards but have no idea that it's a line of credit that needs to be paid back as opposed to free money the banks give just because they are awesome. I blame parents.
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Jun 17, 2015 14:00
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Parents and schools. Parents should have taught their kids this stuff early on, but schools should treat it as important as the other required subjects. Our district had a mandatory "consumer education" class in high school and it was pretty valuable for teaching everyone the basics. (though I wish it had gone much farther)
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Jun 17, 2015 14:07
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One of my friends is teaching her AP bio class this sort of stuff in her "I get to do whatever I want with these kids between the AP test and the last day of school, I'm gonna do something useful since home ec died and turned into a sewing class".
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Jun 17, 2015 14:09
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Celador posted:This reminds me of that post, from Reddit or somewhere, about the dude who "won" $2,000 in store credit from Best Buy. He literally applied for a store credit card, was approved for $2k, but thought it was free money he could just spend and never have to pay back. He bought a bunch of consoles and games and poo poo for himself and his friends, and when the bill came he couldn't understand why they were asking him to make payments. Well he's still dumb for not reading the agreement, but they did blatantly lie to that guy saying it was like a giftcard and never made it clear it was a line of credit; didn't they even use the word "won" at one point?
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Jun 17, 2015 18:29
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Dr. Eldarion posted:Parents should have taught their kids this stuff early on, but schools should treat it as important as the other required subjects. Our district had a mandatory "consumer education" class in high school and it was pretty valuable for teaching everyone the basics. (though I wish it had gone much farther) I don't disagree, and it'd be great if there was some basic consumer finance education in school. That people don't even have a basic grasp of what credit, loans, and debt are is a tragedy. But I know that for me, even as a straight-A AP student, a lot of personal finance education wouldn't have really stuck in high school since I didn't have a job, didn't earn my own money, and didn't have to support myself. Sure, I would have "got it" in the sense that I could understand the ideas and do the basic math required, but I didn't start to really internalize the why of personal finance principles until I was out of school and working a full time job in the real world. And I definitely made a couple of bone-headed decisions before it really sank in, though fortunately nothing super egregious.
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Jun 17, 2015 18:33
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Dr. Eldarion posted:Parents and schools. Parents should have taught their kids this stuff early on, but schools should treat it as important as the other required subjects. Guinness posted:But I know that for me, even as a straight-A AP student, a lot of personal finance education wouldn't have really stuck in high school since I didn't have a job, didn't earn my own money, and didn't have to support myself. Sure, I would have "got it" in the sense that I could understand the ideas and do the basic math required, but I didn't start to really internalize the why of personal finance principles until I was out of school and working a full time job in the real world. And I definitely made a couple of bone-headed decisions before it really sank in, though fortunately nothing super egregious.
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Jun 17, 2015 18:37
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Here's something from Facebook:  :|
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Jun 17, 2015 18:49
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pig slut lisa posted:Here's something from Facebook: Why do they owe Social Security $5000? Payroll taxes?
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Jun 17, 2015 18:50
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pig slut lisa posted:Here's something from Facebook: Tell them to be an Uber driver, since they're already bad with money and accustomed to screwing up their taxes
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Jun 17, 2015 18:52
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bartlebyshop posted:Why do they owe Social Security $5000? Payroll taxes? I'm guessing it might be an SSDI thing? This girl has a neuromuscular disease that confines her to a wheelchair, but now she's working as an attorney and so maybe there were some SSDI overpayments? I don't really know how that program works, but that's the best thing I can come up with.
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Jun 17, 2015 18:57
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NancyPants posted:Well he's still dumb for not reading the agreement, but they did blatantly lie to that guy saying it was like a giftcard and never made it clear it was a line of credit; didn't they even use the word "won" at one point? I don't remember exactly how it was worded, but since it was from the point of view of the very confused/stupid individual telling the story I think it was probably more along the lines of "congratulations, you've been approved for $2000!" and he thought the congratulations meant he won something.
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Jun 17, 2015 19:00
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