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Veskit posted:
Anyone who can't afford to pay for college at all wouldn't be able to finish college on 50k. Just two years at my undergrad institution would've exceeded that.
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Jun 7, 2016 19:29
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Fluorescent posted:Anyone who can't afford to pay for college at all wouldn't be able to finish college on 50k. Just two years at my undergrad institution would've exceeded that. ok? and?
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Jun 7, 2016 19:31
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Veskit posted:you do it in small claims court, a lot of it is DYI. It's lovely but it exists You are completely glossing over the time aspect of it. Even filling out the forms is likely to require a visit to a government office, an office that is likely closed wherever the person isn't working. The justice system is only really accessible to those that have some autonomy in their work hours, these people don't fall into that group. The cost benefit analysis of potentially losing a job in order to maybe get some money out of a debt collection agency doesn't work out.
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Jun 7, 2016 19:35
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bull3964 posted:You are completely glossing over the time aspect of it. Even filling out the forms is likely to require a visit to a government office, an office that is likely closed wherever the person isn't working. The justice system is only really accessible to those that have some autonomy in their work hours, these people don't fall into that group. The cost benefit analysis of potentially losing a job in order to maybe get some money out of a debt collection agency doesn't work out. These people were what, 86 million americans? Stop making up a magic american. I'm just saying that the entire thing isn't doom and gloom because there are some things that can be done. Veskit fucked around with this message at 19:41 on Jun 7, 2016 |
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Jun 7, 2016 19:38
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Try telling an old lady that she doesn't qualify for Medicaid because the social security she makes is like 100 dollars over the income limit and she has conditions she needs help with. So now she has to pick a plan that has a high deductible and still has to pay 200 a month but still doesn't cover anything because the law forces her to have some form of insurance. I have done this.
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Jun 7, 2016 19:47
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Veskit posted:ok? and? I thought that was obvious. It's not realistic to limit people to 50 grand. That would prohibit a lot of people from going to a four year college entirely. At least in my state, in state tuition, room and board, and all that runs between 24-30 grand a year, depending on the college. Ideally, it would not be this expensive, but it is. Fluorescent fucked around with this message at 21:38 on Jun 7, 2016 |
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Jun 7, 2016 21:33
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Fluorescent posted:I thought that was obvious. It's not realistic to limit people to 50 grand. That would prohibit a lot of people from going to a four year college entirely. At least in my state, in state tuition, room and board, and all that runs between 24-30 grand a year, depending on the college. Ideally, it would not be this expensive, but it is. So is the issue really how much you're lending out?
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Jun 7, 2016 21:51
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Xarn posted:Because I am from Europe, the whole medical insurance and payments is completely incomprehensible to me. Yes, I pay bigger taxes than I would in the US, but my healthcare is free (there used to be ~2USD payment for visiting a doctor, to reduce visits for completely trivial poo poo), and prescription drugs are also either free or with trivial copay. Hi we're america. Gay marriage threatens literally loving nobody but we still threw a goddamn temper tantrum over gay people dressing up and kissing each other and getting a certificate saying they're as good as straights now. Like, not a crab mentality, but a stamping on the fingers of anyone climbing up mentality. I haven't enjoyed the view up here enough stay down there I'm on top now no no no no no you can't share it! My doctor of my entire highschool/college years quit, literally sold his practice, when obama got elected and he saw dire changes coming down the pipe. He seemed like a cool guy but he was a loving shithead who looked at literally any loving tinkering with the hosed up system as is and thought "gently caress you, you can't fire me, I quit" If you aren't currently paying for medicine, then medicine exists as a platonic ideal where it's there if you need it. It's hammered into you we have the best doctors and best healthcare in the world. As long as you don't need to pay for it, that pride is free. So the thought of someone giving your healthcare, that you hadn't gotten around to using yet, to poor people? Gross! They'll breathe on all the tongue depressors and wipe their asses on the paper sheet that is pulled down on all the medical check-up beds and use up all the goddamn healthcare. What if I need a heart tomorrow and some 80 year old mexican gardener suddenly cuts me in line and gets a free heart with my tax dollars? What if I chip a tooth and I have to wait six months to get it fixed like those famously awful toothed socialists in england? Every single thing americans throw a poo poo fit over is about the idea of something that doesn't exist being taken away from us just because it makes no loving sense and is a huge waste of time, be it god's providence and protection because we bash gays so much, our right to prepare for a race war by stockpiling infinity guns, or our military making a stupid amount of tanks and jets that can't fly in world where wars are fought with robots and computers. We're getting hosed every which way but if you visibly take a single god damned imaginary thing from us then you are the reason for everything wrong in this world and we will rage and scream like babies.
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Jun 7, 2016 22:00
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Veskit posted:So is the issue really how much you're lending out? The issue is that tuition isn't free. If it was just shelter+food+recreation the sum wouldn't spin into the absurd as easily.
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Jun 7, 2016 22:00
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Non-Americans: Is it true that your medical bills aren't actually "bills?" I remember reading a thread on Tumblr recently and people were  ing over the fact that, in the US, when we say "medical bills," we mean "they give us a physical bill like we were at a restaurant and all the procedures they did are listed like food."
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Jun 7, 2016 22:39
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Jamesman posted:Non-Americans: Is it true that your medical bills aren't actually "bills?" I remember reading a thread on Tumblr recently and people were It's not like a restaurant bill at all! Your restaurants aren't all: You had the steak: $40 Chef Donald spent 12 minutes making your steak: $400 Chef Max (non network doctor whose entire practice is "observing") spent 12 minutes watching Chef Donald make your steak: $600 One pair of tongs: $20
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Jun 7, 2016 22:46
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Dante80 posted:Btw, I work in the private health sector in my country. We do make money by being a parasite on the public health system, and fill the gaps where the system is too dysfunctional (at a cost of course). But the whole system does not promote the kind of stories we hear here, nor are the costs so big so as to cripple people. It's similar in Australia. We have Medicare for citizens (and I think permanent residents too but I'm not 100% on that) which gets you basically free healthcare if you are prepared to find or wait for a public/bulk billing provider to be available. The private system sits on top and can be partially subsidised if you earn below a certain wage, partially penalised through tax if you don't have insurance above a certain wage, and just gets you stuff like choice of provider, potentially faster treatment if surgery is involved, private rooms in hospital, etc. But even with private insurance the public system still rebates your expenses like normal - e.g a recent procedure invoice was 50% Medicare rebate, insurance covered a further 10% plus admission fees that wouldn't have applied as a public patient, but it got me in the door where I wanted to be so there's an opportunity cost I suppose in that. We have a conservative government at the moment trying to squeeze out the public system. It is terrifying because even if we paid the private health system more I doubt they would cover nearly as much as the public+private and we'll end up in a situation like America is desperately trying to fix. Azhais posted:It's not like a restaurant bill at all! Your restaurants aren't all: OTOH I think stuff like this is important to keep doctors accountable for the poo poo they're billing.
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Jun 8, 2016 01:20
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Boogaleeboo posted:It's not like either of them invented the practice of debt cancellation, so why should anyone give a gently caress? Same thing with modders, original idea do not steal.
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Jun 8, 2016 03:42
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I don't have student debts myself, but every time I hear them it sounds horrible. Debt that can never be removed from loans that are made to people who specifically can't pay back anything yet and probably haven't developed any financial sense. Especially considering how after a sense, a college education has been devalued on the job market by everyone getting one, so a plain degree is less valuable. Paying more for less. Don't get me wrong, I still think that learning is good, and there's a lot you can learn in college, but many of the jobs for fresh college graduates don't use any of the higher skills you'd learn from college. It kinda starts feeling like people should just use degree mills since there's very little governmental crackdown on those anyways.
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Jun 8, 2016 14:31
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At this point most people should just buy a fake degree since very rarely does any potential employer check if you actually go to college. You can even pay to have fake transcripts made for you. I'm being completely serious here.
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Jun 8, 2016 16:46
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Buy it from Trump or Liberty university. It's already fake so it won't matter if you get caught.
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Jun 8, 2016 17:34
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Nah, Trump University is both more expensive and less useful than anything you'd get from a degree mill. Trump's not even a good con man, it's disgraceful.
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Jun 8, 2016 17:52
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SlothfulCobra posted:Nah, Trump University is both more expensive and less useful than anything you'd get from a degree mill. Trump's not even a good con man, it's disgraceful. I think you mean to say Trump not being a good con man is 
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Jun 9, 2016 14:40
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wins.
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Jamesman posted:Non-Americans: Is it true that your medical bills aren't actually "bills?" I remember reading a thread on Tumblr recently and people were Yeah, we don't even pay anything per treatment, just insurance and maybe small copay, depending on country. We used to have ~2 USD copay, but that went away because it was insanely unpopular. There are obviously exceptions and some treatments cost extra (usually its made so that you can ie have cheaper replacement tooth for free, or more expensive variant, where you have to pay the difference) and even for thing where you pay extra, once you pass certain limit in single year, you don't pay anymore.
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Jun 9, 2016 16:16
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lol @ communists and your free replacement tooths - in  we use the gaps to identify poors and hockey players
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Jun 12, 2016 03:02
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Veskit posted:You're not being honest. Lawyers would go to school, rack up all the debt they possibly could then file bankruptcy and discharge 300k in loans. After that just pay in cash for 7 years and you're g2g. Except that virtually every state bar association would consider that an instance of bad moral character and use it as a reason to deny admission and make that law degree practically useless.
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Jun 12, 2016 23:47
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Demiurge4 posted:Buy it from Trump or Liberty university. It's already fake so it won't matter if you get caught. Actually, if you're even remotely literate, Liberty is free. They don't really make their money from students, they make it from donors. A lot of people go there because it's, in essence, a free college diploma. They want students, that's their top priority.
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Jun 12, 2016 23:57
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That's a good deal for an Elf Spotting certificate.
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Jun 13, 2016 04:15
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Wow, gut-punch of an intro tonight. I don't think I've ever seen Oliver shaken like this before. Good for him, though - it needed to be said.
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Jun 13, 2016 04:18
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Jun 13, 2016 04:22
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Please save money it's really easy especially through vanguard. The vehicles can be confusing but if you need help pm me. You should try to have your salary saved by the time your 30.KIM JONG TRILL posted:Except that virtually every state bar association would consider that an instance of bad moral character and use it as a reason to deny admission and make that law degree practically useless. Or, become an attorney?
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Jun 13, 2016 09:13
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Veskit posted:You should try to have your salary saved by the time your 30. gently caress.
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Jun 13, 2016 09:18
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Jonas Albrecht posted:gently caress. That's why you really need to save!!!
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Jun 13, 2016 09:25
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Veskit posted:That's why you really need to save!!! I'm sure if I am careful I can make up that $19,500 though.
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Jun 13, 2016 09:36
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Veskit posted:Please save money it's really easy especially through vanguard. The vehicles can be confusing but if you need help pm me. You should try to have your salary saved by the time your 30. Also, if you don't live in either the US or Canada accessing Vanguard can be difficult so in that case look for local alternative index funds with rates of 0.20% or lower. Vanguard is pretty much the best at the moment though.
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Jun 13, 2016 09:37
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Jonas Albrecht posted:I'm sure if I am careful I can make up that $19,500 though. Don't worry, I'm 30 and I have come to the sobering realization that I will never be able to retire. I will be working till I am put in the grave. 
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Jun 13, 2016 14:36
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PassTheRemote posted:Don't worry, I'm 30 and I have come to the sobering realization that I will never be able to retire. I will be working till I am put in the grave. That's assuming they let you work until you die and don't force you into "early retirement," and nobody is willing to hire you for a living wage so you die starving in a ditch. ...I'm sorry, I'm just in a really dark mood about my financial future right now and this segment just reminded me of it.
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Jun 13, 2016 14:41
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Dying and leaving your SO with a nice LI payout is a plan, right?
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Jun 13, 2016 14:43
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Jonas Albrecht posted:Dying and leaving your SO with a nice LI payout is a plan, right? Assuming you have an SO and aren't suffering a lifetime of crushing lonliness on top of your financial woes in part because lacking financial resources makes looking for an SO far more difficult if not impossible. ...I should probably stop reading this thread until next week.
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Jun 13, 2016 14:46
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Sanguinia posted:...I should probably stop reading this thread until next week. This might help 
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Jun 13, 2016 15:03
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Snowglobe of Doom posted:This might help You're a good person and I like you 
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Jun 13, 2016 15:10
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I will be 30 in a month and I have 3 dollars to my name. gently caress yeah poverty
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Jun 13, 2016 15:35
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I'm 31 and still in grad school barely making ends meet. I guess my hope is that if I can ever get a job in this field it'll be for enough money that I can start saving hard.
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Jun 13, 2016 15:37
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Veskit posted:That's why you really need to save!!! Don't you not even have the IRA you keep saying everyone should have, or am I thinking of another work crew savings zealot?
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Jun 13, 2016 15:46
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Majorian posted:Wow, gut-punch of an intro tonight. I don't think I've ever seen Oliver shaken like this before. Good for him, though - it needed to be said. The intro was heart-breaking. Watching him after the opening jingle sitting there, not drumming on the desk like usual, looking somber, then watching him slip into his persona like putting on a jacket, was both heart-breaking and impressive.
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Jun 13, 2016 15:59
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