|
n8r posted:The white middle and upper middle class don't need any more advantages than they already have. Paying for the already advantaged white kids to go to college isn't a great social benefit. Lots of other poo poo like pre-k / k-12 funding / school equality would be lots better. Is this an argument against public universities on the basis that white people are beneficiaries?
|
#
?
May 26, 2018 22:23
|
|
|
|
| # ? Jun 8, 2024 09:00 |
|
|
Phanatic posted:That has its own issues: That sure is a carefully cherry-picked article about an edge case in a field that is nowhere near the top 10 or probably even 50 preferences students have, but sure, use it as a mic-dropping argument about the subsidising of tertiary education in general. 
|
|
#
?
May 26, 2018 22:45
|
|
|
Lowness 72 posted:What do they spend it on? Administrator salaries.
|
|
#
?
May 26, 2018 23:10
|
|
|
Look work study or just regular jobs make it hard to go to class 15 hours a week.
|
|
#
?
May 26, 2018 23:35
|
|
|
Colin Mockery posted:My in-state tuition and mandatory dorm living costs plus other living expenses and fees cost about 100k, total, for a four-year degree. I also had no income at this time. Factoring in living expenses that you would have to pay whether you are in school or not isn't a fair way to calculate the cost of college. Mandatory dorm living is complete BS though. A lot of schools are pushing it. It's another one of those things that's pushing up the cost of college that can't be fixed by more spending, it has to be fixed by holding colleges accountable. It would be fair to count the difference between dorm rent vs market price rent in as part of the cost.
|
|
#
?
May 26, 2018 23:42
|
|
|
n8r posted:There is literally no way you could have made some money during that time. Having more income doesn’t reduce the cost of the degree. My having more free time for studying and coursework gave me an advantage over people who had to hold a job during it too. Edit: ^ I don’t entirely disagree re:cost of living, but people have to move to go to college, and that can push students into areas that have higher costs of living than where they would otherwise choose to live. Colin Mockery fucked around with this message at 23:51 on May 26, 2018 |
|
#
?
May 26, 2018 23:46
|
|
|
OctaviusBeaver posted:Factoring in living expenses that you would have to pay whether you are in school or not isn't a fair way to calculate the cost of college. My school pushed it on the basis that people who stay in a dorm their first year apparently have a higher graduation rate or something. I was exempted because my parents lived in town, so I just lived with them. I guess that's considered just as good. Which is good, it's like $6k a year for the cheapest built in the '60s and never renovated 12x10 dorm room, which you share with another person. And that's just fall and spring semester. Summer is extra. And that was back in 2011. You can get your own room in a real house for less than that. Elephanthead posted:Look work study or just regular jobs make it hard to go to class 15 hours a week. My science and math classes told us to expect to spend 3 hours studying per hour in class. So that's 60 hours a week on schoolwork if you aren't taking gen-ed credit fillers. It's possible to work, but it's going to be pretty much all of your time. And given that half of the value of college is networking, that's a lot less time you can get to know other people who might have job leads for you for the rest of your career.
|
|
#
?
May 27, 2018 00:02
|
|
|
Have we included Money Diaries in this thread before? Occasionally you get a gem - like this week'sLiving in Vancouver BC on a $39,500 Salary posted:
You may notice that her fixed expenses constitute 75% of her take home income. She should end up spending no more than $151.50/week if she wants to so much as break even. Does she manage it? No, she spends $717.00 in a week despite only having $651 left over for the entire month. This is despite having the most unrealistically low Vancouver mortgage I have ever seen in my life.
|
|
#
?
May 27, 2018 00:04
|
|
|
There are lots of underprivileged kids with a lot of trauma or mental health who are smart and accomplished enough to go to four years but would be hard pressed to hold down a job as well (cough, my adopted kid). At least in California there are programs to support first generation and foster/wardship kids in state schools. Community college also requires parents who are willing to support housing or for the student to work, since the loans are extremely limited and wouldn’t cover cost of living in a lot of places.
|
|
#
?
May 27, 2018 00:09
|
|
|
Jazz Police posted:Have we included Money Diaries in this thread before? Occasionally you get a gem - like this week's $220/mo for some kind of cosmetic treatment for eyelashes is part of monthly fixed expenses?
|
|
#
?
May 27, 2018 00:20
|
|
|
therobit posted:$220/mo for some kind of cosmetic treatment for eyelashes is part of monthly fixed expenses? Oh, I thought they were getting whipped.
|
|
#
?
May 27, 2018 00:27
|
|
|
therobit posted:$220/mo for some kind of cosmetic treatment for eyelashes is part of monthly fixed expenses? Once you get eyelash extensions, they totally destroy your natural lash & make them even shorter/sparser. Presumably she's getting lash extensions because she thought her lashes were too short/not full enough to begin with, so this is a lifelong commitment.
|
|
#
?
May 27, 2018 00:34
|
|
|
Darkrenown posted:Oh, I thought they were getting whipped. Either way it is at least a month of groceries for a single person that they are spending in an absurd way. You could support a family of 3 on that person's salary if you had to. If would be really tough but still doable. She isn't trying if she can't balance her budget.
|
|
#
?
May 27, 2018 00:36
|
|
|
Got this as an ad on instagram: Great targeting!
|
|
#
?
May 27, 2018 01:13
|
|
|
Jazz Police posted:Once you get eyelash extensions, they totally destroy your natural lash & make them even shorter/sparser. Presumably she's getting lash extensions because she thought her lashes were too short/not full enough to begin with, so this is a lifelong commitment.
|
|
#
?
May 27, 2018 01:48
|
|
|
SiGmA_X posted:I am going to take this as fact and not look it up. Wow. What the gently caress. This is like the plot to the newer Deus Ex games but with lashes.
|
|
#
?
May 27, 2018 02:44
|
|
|
Jazz Police posted:Have we included Money Diaries in this thread before? Occasionally you get a gem - like this week's That's an insanely low mortgage considering 2 bedrooms downtown are going for 800k. If you can't make that work you need mental help.
|
|
#
?
May 27, 2018 03:33
|
|
|
Cicero posted:You really need to put the loans on better terms to begin with, or maybe do something like the UK where it's paid back with just an extra income tax that automatically comes out of your paycheck when you make above a certain threshold (that's how it works there right?). That's how it's done in Australia; the "loan" is also indexed to CPI rather than accumulating interest.
|
|
#
?
May 27, 2018 03:48
|
|
|
Cicero posted:School equality is one of the easier ones. You don't even really need heavy funding. Just abolish single family home only zoning everywhere you can. School districts are based on neighborhoods, after all, so segregationist zoning is how public schools end up economically segregated. If you can put *gasp* apartments basically anywhere, the rich can't keep the poors out of their schools anymore (or at least it's a lot harder/less effective). Exceptions for ammunition dumps, toxic waste dumps and such. I am not libertarian enough for that... SlapActionJackson posted:We've had this derail before. Post-seconday education isn't a public good. It's a private good with (usually) positive externalities. AreWeDrunkYet posted:You're right, that's inexact phrasing. An education is a private good with positive externalities, an educated population is a public good. "inexact phrasing", lol. Well, you see, your honour, my hand just kinda slipped down accidentally and groped her a couple of times. Total accident, honest!
|
|
#
?
May 27, 2018 05:27
|
|
|
I say let her get eyelashes if she wants, but she clearly doesn't make enough to be shelling out for expensive rear end Eagles tix as an impromptu wedding gift after already giving cash. Also I feel like she makes jack poo poo for a corporate account manager, she needs a better job
|
|
#
?
May 27, 2018 06:36
|
|
|
AndrewP posted:I say let her get eyelashes if she wants, but she clearly doesn't make enough to be shelling out for expensive rear end Eagles tix as an impromptu wedding gift after already giving cash. "Key Account Specialist" could mean anything, I have a feeling she may be using a description that makes the job sound higher up than it is. Also, she lists her industry as Apparel Manufacturing & Marketing, which is especially bad with money if it's Kit & Ace, which iirc is on the brink of bankruptcy.
|
|
#
?
May 27, 2018 08:06
|
|
|
Jazz Police posted:Have we included Money Diaries in this thread before? Occasionally you get a gem - like this week's I was going to say that since she lives alone in a 2 bedroom she could fix some of her issues by getting a roommate. But she spends 1/3 of her mortgage on loving eyelashes 
|
|
#
?
May 27, 2018 14:13
|
|
|
Dillbag posted:"Key Account Specialist" could mean anything, I have a feeling she may be using a description that makes the job sound higher up than it is. Also, she lists her industry as Apparel Manufacturing & Marketing, which is especially bad with money if it's Kit & Ace, which iirc is on the brink of bankruptcy. It's LuLaRoe. You know it is.
|
|
#
?
May 27, 2018 16:37
|
|
|
Midjack posted:It's LuLaRoe. You know it is. It can't be, she has actual steady income
|
|
#
?
May 27, 2018 17:02
|
|
|
Cicero posted:Just abolish single family home only zoning everywhere you can. School districts are based on neighborhoods, after all, so segregationist zoning is how public schools end up economically segregated. If you can put *gasp* apartments basically anywhere, the rich can't keep the poors out of their schools anymore (or at least it's a lot harder/less effective). You really think that will fix the problem? That actually segregates even further in reality. And you missed a bunch of other zoning laws that would need to be changed to get to your magical result: units per acre, permeable land restrictions, removing uncapped assessment for traffic impacts off the top of my head. Seriously it sounds like you don't know much about zoning or how changes impact actual real world patterns.
|
|
#
?
May 27, 2018 20:16
|
|
|
quote:23 y/o being forced off my parents' car insurance, have 4 at-fault accidents in the past 5 years, need to know my options
|
|
#
?
May 27, 2018 20:31
|
|
|
I think his options are get a bicycle or an old person car. Crown Vic Police Interceptor maybe. Cheap enough to buy another when he totals it again, and crown vics have some of the cheapest insurance out there.
|
|
#
?
May 27, 2018 20:45
|
|
|
I've let the last few pages be mostly discussion posts because we haven't had a lot of BWM stories and people haven't been complaining. I did start to get a few reports, so if anyone wants to call derail bird, we can make the decision as a group
|
|
#
?
May 27, 2018 21:24
|
|
|
zaurg posted:do I need to buy more shitcoins to prove that I know it'll go back up?
|
|
#
?
May 27, 2018 21:37
|
|
|
Posting mostly for the title: I’ve got 5k crypto profits to blow. Want to do some high risk YOLO stuff. Anyone got some stock tips? (self.AusFinance) https://www.reddit.com/r/AusFinance/comments/8aoe31/ive_got_5k_crypto_profits_to_blow_want_to_do_some/ posted:Thinking about sticking it all in GEAR and hoping cheeto gently caress stops being a retard. Or maybe baby formula or lithium...
|
|
#
?
May 27, 2018 21:38
|
|
|
This is primo content. Thank you.
|
|
#
?
May 27, 2018 21:56
|
|
|
Haifisch posted:Posting mostly for the title: BWM or not I think I like this person. His YOLO blowing money fun is just finding stupid risky stock investments that also have a slim chance of succeeding.
|
|
#
?
May 27, 2018 21:58
|
|
|
Best way to finance a boat engine? (self.personalfinance)https://www.reddit.com/r/personalfinance/comments/8cwwtx/best_way_to_finance_a_boat_engine/ posted:Hello personal finance, as the title suggests I am looking to finance a new boat engine. I bought a 1987 17’ Boston whaler for 4k last labor day. I was told by the seller the engine is old but reliable it ran rough when I bought the boat and I knew it would be an issue. I tried to fix it myself and put in 5-800 in parts over the winter trying to get it running with no luck. I took it to a mechanic and he said the whole ignition system is bad and would need to be replaced and I had low compression on one cylinder. It would be about 2k to get the boat running but I would still have a bad cylinder.
|
|
#
?
May 27, 2018 22:00
|
|
|
quote:Just wondering what everyone's opinions are in my current situation. Should I buy a car that's 150% of my annual take home?! quote:Essentially I am looking at buying a car, ideally including tax and everything the amount financed will be $30k or less. My dad is going to co-sign for me (excellent, 815 credit score) mostly because I only have a 715cs and limited long-term work history. Currently I'm working at a daycare making about $1300 a month, no expenses except a $22 phone payment and gas. Planning on living at home for the foreseeable future, and I'll start teaching in the fall. (Recent college graduate) Including insurance, my car expense will vary from ~$525-$605 depending on how long I finance. I want to know if it is possible I'll be approved for a car loan with my current income, along with my dad co-signing who makes a significant amount more. He said my debt/income ratio doesn't look good and I probably won't get approved. What the gently caress is wrong with these peoples' brains?
|
|
#
?
May 27, 2018 22:03
|
|
|
"But I don't have any expenses other than my phone payment! I can totally make this work! (Because my parents are paying everything else)"
|
|
#
?
May 27, 2018 22:09
|
|
|
Moneyball posted:I've let the last few pages be mostly discussion posts because we haven't had a lot of BWM stories and people haven't been complaining. I did start to get a few reports, so if anyone wants to call derail bird, we can make the decision as a group Summon the bird, IMO. A quiet thread is fine, we (including me!) don’t need to force weak content just to keep churning through pages.
|
|
#
?
May 27, 2018 22:15
|
|
|
Haifisch posted:"But I don't have any expenses other than my phone payment! I can totally make this work! (Because my parents are paying everything else)" What do you want to bet the recent college grad's student loans are in deferred and not calculated in his $22/mo monthly cost? I don't want to go all "millennials and their avocado toast!" but shouldn't living with your parents in your mid twenties be a problem you are working to solve rather than a free ticket to finance a sweet ride?
|
|
#
?
May 28, 2018 00:24
|
|
|
GamingHyena posted:What do you want to bet the recent college grad's student loans are in deferred and not calculated in his $22/mo monthly cost? I don't want to go all "millennials and their avocado toast!" but shouldn't living with your parents in your mid twenties be a problem you are working to solve rather than a free ticket to finance a sweet ride? Future 30 year old getting evicted by his parents. https://www.cnn.com/2018/05/22/us/judge-rules-son-must-move-out-new-york-trnd/index.html For reference
|
|
#
?
May 28, 2018 02:04
|
|
|
Haifisch posted:Best way to finance a boat engine? (self.personalfinance) How do you spend 5-800 on parts and still have an engine that's fundamentally broken? where did the money go? How does one neglect to check ignition and compression before shelling out money?
|
|
#
?
May 28, 2018 02:14
|
|
|
|
| # ? Jun 8, 2024 09:00 |
|
|
Breakfast Feud posted:How do you spend 5-800 on parts and still have an engine that's fundamentally broken? where did the money go? How does one neglect to check ignition and compression before shelling out money? Or it was $5-800 in beer while sitting in the garage looking at the boat.
|
|
#
?
May 28, 2018 02:48
|
|