1: Y'all [2 66.67%] û
2: Ya'll [1 33.33%] û
Yes, thats true. But if your a redneck like myself, it's pronounced like #2 How Ya'll doin? for example. I have a bachelor's degree in english
Yes, thats true. But if your a redneck like myself, it's pronounced like #2 How Ya'll doin? for example. I have a bachelor's degree in english and I still speak wrong. That's what growing on a up farm does to some of us
Nightfox wrote to Trapper <=-
Yes, thats true. But if your a redneck like myself, it's pronounced like #2 How Ya'll doin? for example. I have a bachelor's degree in english and I still speak wrong. That's what growing on a up farm does to some of us
I don't know how "y'all" and "ya'll" would be pronounced
differently..?
Nightfox wrote to Trapper <=-
Yes, thats true. But if your a redneck like myself, it's pronounced lik #2 How Ya'll doin? for example. I have a bachelor's degree in english a I still speak wrong. That's what growing on a up farm does to some of u
I don't know how "y'all" and "ya'll" would be pronounced
differently..?
The first is basically one syllable, and the second is (sort of) two.
;-)
... YORGAMAK HAS ARRIVED AND WILL INITIATE DESTRUCTIMATION.
I don't know how "y'all" and "ya'll" would be pronounced
differently..?
The first is basically one syllable, and the second is (sort of)
two. ;-)
Y'all is well accepted. "Your people" is taken in a derogatory manner.
I don't know how "y'all" and "ya'll" would be pronounced
differently..?
The first is basically one syllable, and the second is (sort of) two.
;-)
Yes, thats true. But if your a redneck like myself, it's pronounced like #2 How Ya'll doin? for example. I have a bachelor's degree in english and I still speak wrong. That's what growing on a
up farm does to some of us :)
think "y'all" is really synonymous with "your people".. Most often, I hear it in the context of something like "Dinner's ready, y'all", where "your people" wouldn't really work in that kind of sentence.
Nightfox wrote to Moondog <=-
Re: Re: Y'all or Ya'll?
By: Moondog to Gamgee on Tue Apr 25 2023 11:14 am
I don't know how "y'all" and "ya'll" would be pronounced
differently..?
The first is basically one syllable, and the second is (sort of)
two. ;-)
Y'all is well accepted. "Your people" is taken in a derogatory manner.
I'm not sure how that relates to the past posts in this thread..
And I've never heard anyone say "your people" in place of
"y'all".
And I don't think "y'all" is really synonymous with
"your people".. Most often, I hear it in the context of
something like "Dinner's ready, y'all", where "your people"
wouldn't really work in that kind of sentence.
Moondog wrote to Gamgee <=-
Re: Re: Y'all or Ya'll?
By: Gamgee to Nightfox on Mon Apr 24 2023 06:59 pm
I don't know how "y'all" and "ya'll" would be pronounced
differently..?
The first is basically one syllable, and the second is (sort of) two.
;-)
Y'all is well accepted.
"Your people" is taken in a derogatory manner.
poindexter FORTRAN wrote to Nightfox <=-
That person or group of two or more over there = Y'all.
The larger group, or people in general - all Y'all.
Sometimes heard to reference one person, may be archaic - Y'un or
Y'uns.
(cordially) See, on the one hand, I definitely get that. My
neck of the South has it rhyme with hall/call/ball, but I
know that's far from the only way.
On the other hand, I've had Midwesterners tell me y'all is
wrong, and that I should spell it ya'll, and that basically
guaranteed I'd never do that.
"Your people" is taken in a derogatory manner.
Huh? What does that mean? Where did that come from? How does that fit
into the conversation that is going on?
Please try to focus a little.
Re: Re: Y'all or Ya'll?
By: Moondog to Gamgee on Tue Apr 25 2023 11:14 am
I don't know how "y'all" and "ya'll" would be pronounced
differently..?
The first is basically one syllable, and the second is (sort of)
two. ;-)
Y'all is well accepted. "Your people" is taken in a derogatory manner.
I'm not sure how that relates to the past posts in this thread.. And I've n ike "Dinner's ready, y'all", where "your people" wouldn't really work in tha
Nightfox
"Your people" is taken in a derogatory manner.
Huh? What does that mean? Where did that come from? How does that fit into the conversation that is going on?
Please try to focus a little.
Maybe he meant "you people" which I have heard used on rare occassion.
* SLMR 2.1a * A nudist wedding makes the best man easy to identify.
"Your people" is taken in a derogatory manner.
Huh? What does that mean? Where did that come from? How does that fit into the conversation that is going on?
Please try to focus a little.
Maybe he meant "you people" which I have heard used on rare occassion.
Bingo.
That person or group of two or more over there = Y'all.Not really related, but funny - in the words of "My Cousin Vinny":
Yutes.
HusTler wrote to Gamgee <=-
Re: Re: Y'all or Ya'll?
By: Gamgee to poindexter FORTRAN on Wed Apr 26 2023 07:57 am
That person or group of two or more over there = Y'all.
Not really related, but funny - in the words of "My Cousin Vinny":
Yutes.
What? Did you say Yutes? What is a "Yute"?
That person or group of two or more over there = Y'all.
Not really related, but funny - in the words of "My Cousin Vinny":
Yutes.
Margaerynne wrote to Gamgee <=-
Re: Re: Y'all or Ya'll?
By: Gamgee to HusTler on Tue May 02 2023 07:38 am
That person or group of two or more over there = Y'all.
Not really related, but funny - in the words of "My Cousin Vinny":
Yutes.
10/10 scene, but also exactly how I feel saying "y'all" in the
northwest.
"Do yooouuu alll have any coke?"
Hahaha, yep! I lived in the Seattle area for 6 years, years ago, and
it's just not heard up that way. There are similar regional "dialects"
all around the country.
Margaerynne wrote to Gamgee <=-
Re: Re: Y'all or Ya'll?
By: Gamgee to Margaerynne on Wed May 03 2023 08:35 pm
Hahaha, yep! I lived in the Seattle area for 6 years, years ago, and
it's just not heard up that way. There are similar regional "dialects"
all around the country.
It's weird, because the West Coast will get you the most looks
for saying y'all
as it's meant to be used, but it's also pretty heavy on what I
call the
Corporate Y'All, where it's used as a straight substitute for
any gendered
or other identifying words.
So "Y'all know when the game is going to start?" is grosse
verboten, but
"Good morning, y'all!" is inclusive and forward-thinking.
Margaerynne wrote to Gamgee <=-
It's weird, because the West Coast will get you the most looks for
saying y'all
as it's meant to be used, but it's also pretty heavy on what I call
the
Corporate Y'All, where it's used as a straight substitute for any gendered
or other identifying words.
Re: Re: Y'all or Ya'll?
By: Gamgee to Nightfox on Mon Apr 24 2023 06:59 pm
Nightfox wrote to Trapper <=-
Yes, thats true. But if your a redneck like myself, it's pronounced lik
#2 How Ya'll doin? for example. I have a bachelor's degree in english a
I still speak wrong. That's what growing on a up farm does to some of u
I don't know how "y'all" and "ya'll" would be pronounced differently..?
The first is basically one syllable, and the second is (sort of) two.
;-)
... YORGAMAK HAS ARRIVED AND WILL INITIATE DESTRUCTIMATION.
Y'all is well accepted. "Your people" is taken in a derogatory manner.
---
þ Synchronet þ The Cave BBS - Since 1992 - cavebbs.homeip.net
Yes, thats true. But if your a redneck like myself, it'spronounced lik Tr> #2 How Ya'll doin? for example. I have a bachelor's degree in english a Tr> I still speak wrong. That's what growing on a
Re: Re: Y'all or Ya'll?
By: anthk to All on Sat Jun 17 2023 02:15 pm
Yes, thats true. But if your a redneck like myself, it'spronounced lik Tr> #2 How Ya'll doin? for example. I have a bachelor's degree in english a Tr> I still speak wrong. That's what growing on a
A bachelors degree meant something 30 years ago but not today. :-(
HusTler wrote to anthk <=-
Yes, thats true. But if your a redneck like myself, it'spronounced lik Tr> #2 How Ya'll doin? for example. I have a bachelor's degree in english a Tr> I still speak wrong. That's what growing on a
A bachelors degree meant something 30 years ago but not today.
Oh I agree. It's certainly better than no degree or even an Associates. I have friends with B.A.'s and have jobs along side people without any degree. I think that's a disgrace and unfair. Just my 2 cents that's all.example. I have a bachelor's I still speak
A bachelors degree meant something 30 years ago but not today.
I see your point, and agree with it to some extent.
However, a Bachelor degree is a stepping stone to a Masters degree,
which is a stepping stone to a Doctorate degree. I can assure you (as I have family members with those degrees), that it is worth something. A whole lot of something.
Hustler wrote to Gamgee <=-
Oh I agree. It's certainly better than no degree or even an
Associates. I have friends with B.A.'s and have jobs along side people without any degree. I think that's a disgrace and unfair. Just my 2
cents that's all. ---
Re: Re: Y'all or Ya'll?
By: Gamgee to HusTler on Tue Jul 11 2023 08:24 pm
example. I have a bachelor's I still speak
A bachelors degree meant something 30 years ago but not today.
I see your point, and agree with it to some extent.
However, a Bachelor degree is a stepping stone to a Masters degree, which is a stepping stone to a Doctorate degree. I can assure you (as I have family members with those degrees), that it is worth something. A whole lot of something.Oh I agree. It's certainly better than no degree or even an Associates. I h
Oh I agree. It's certainly better than no degree or even an Associates. I have friends with B.A.'s and have jobs along side people without any degree. I think that's a disgrace and unfair. Just my 2 cents that's all.
Re: Re: Y'all or Ya'll?
By: Hustler to Gamgee on Wed Jul 12 2023 07:39:39
Oh I agree. It's certainly better than no degree or even an
Associates.
I have friends with B.A.'s and have jobs along side people without any degree. I think that's a disgrace and unfair. Just my 2 cents that's all.
Yeah, kind of disgraceful that they spent all that money, and an
institution
took it, just so they can work in a job that doesn't even require one to begin with. Shameful that the education system steers people that way in order to better indoctrinate them all.
Tracker1 wrote to Hustler <=-
Oh I agree. It's certainly better than no degree or even an Associates. I have friends with B.A.'s and have jobs along side people without any degree. I think that's a disgrace and unfair. Just my 2 cents that's all.
Yeah, kind of disgraceful that they spent all that money, and an institution took it, just so they can work in a job that doesn't
even require one to begin with. Shameful that the education
system steers people that way in order to better indoctrinate
them all.
I think that in nearly all cases like that, the person who has a degree
is likely partly/mostly at fault for their predicament. What I mean is
that the person likely has a "degree" in something relatively useless,
such as fashion/art/performing arts, or maybe "ethnic studies". Not
that some of that isn't needed in society, but is not in high demand and there are few jobs in those fields.
Dumas Walker wrote to GAMGEE <=-
I think that in nearly all cases like that, the person who has a degree
is likely partly/mostly at fault for their predicament. What I mean is
that the person likely has a "degree" in something relatively useless,
such as fashion/art/performing arts, or maybe "ethnic studies". Not
that some of that isn't needed in society, but is not in high demand and there are few jobs in those fields.
I don't think that loan companies should give student loans to
people who are going to major in something that is not in demand.
IMHO, if you want to make your money back, it makes financial
sense not to do so.
Gamgee wrote to Dumas Walker <=-
Perhaps, but that brings up ethical questions... Why should a loan company get to decide what your kid can major in?
poindexter FORTRAN wrote to Gamgee <=-
Perhaps, but that brings up ethical questions... Why should a loan company get to decide what your kid can major in?
Because YOUR KID IS THE COLLATERAL.
Perhaps, but that brings up ethical questions... Why should a loan
company get to decide what your kid can major in? That's none of their business, IMHO. I do see your point on them wanting some say on the
odds of them getting their money back one day, but... it's sticky.
I go back to my original statement above. If a person decides to spend/borrow money to get a useless degree, that's on them. They will (theoretically) have to pay back the loan regardless of what degree they
get, and if they want to make it hard on themselves, well.... ;-)
Perhaps, but that brings up ethical questions... Why should a loan company get to decide what your kid can major in?
Because YOUR KID IS THE COLLATERAL.
Perhaps, but that brings up ethical questions... Why should a loan
company get to decide what your kid can major in?
Because YOUR KID IS THE COLLATERAL.
Well, I suppose that is sort of true, in a strange way. Seems like it would prevent more people from getting useless degrees, though.
Dumas Walker wrote to GAMGEE <=-
Perhaps, but that brings up ethical questions... Why should a loan
company get to decide what your kid can major in? That's none of their business, IMHO. I do see your point on them wanting some say on the
odds of them getting their money back one day, but... it's sticky.
Maybe it should not be the loan company but maybe the college. I
don't know, it just seems like a lot of this could have been
avoided if people were not allowed to get a useless degree that
they were not going to parlay into something else (like Poly-Sci
to go to Law School, or English to go to Education School, etc.).
It would mess up the indoctrination process, and also whatever
schemes the school has going to fleece young people out of a lot
of money.
I go back to my original statement above. If a person decides to spend/borrow money to get a useless degree, that's on them. They will (theoretically) have to pay back the loan regardless of what degree they get, and if they want to make it hard on themselves, well.... ;-)
I don't disagree here. My disagreement comes when a politician,
or political party, thinks it is my responsibility to help them
pay it off. :(
Nightfox wrote to Gamgee <=-
Perhaps, but that brings up ethical questions... Why should a loan
company get to decide what your kid can major in?
Because YOUR KID IS THE COLLATERAL.
Well, I suppose that is sort of true, in a strange way. Seems like it would prevent more people from getting useless degrees, though.
This is a bit of a devil's advocate argument, but I suppose we
never know what someone will end up doing for work. They may end
up at an unrelated job that happens to pay fairly well (though
the likelihood is probably fairly low). Maybe they can find a
way to make use of their degree somehow, in a job that typically
is unrelated.
degrees that are offered, I'm not making those terms up. Even things
like "Philosophy" or "Art history" are in the same category. What sensible person thinks that one of those degrees is going to ever
provide them with valuable job prospects? The school doesn't care, because those students are lining their pockets just the same as the "real" students are. Shameless harvesting of money, and guaranteed long-term debt are the motivation for, and the result of, these stupid "degrees". Pisses me off.
This is a bit of a devil's advocate argument, but I suppose we never know what someone will end up doing for work. They may end up at an unrelated job that happens to pay fairly well (though the likelihood is probably fairly low). Maybe they can find a way to make use of their degree somehow, in a job that typically is unrelated.
Re: Re: Y'all or Ya'll?
By: Nightfox to Gamgee on Tue Jul 18 2023 04:09 pm
This is a bit of a devil's advocate argument, but I suppose we never know what someone will end up doing for work. They may end up at an unrelated job that happens to pay fairly well (though the likelihood is probably fairly low). Maybe they can find a way to make use of their degree somehow, in a job that typically is unrelated.
The useless degree argument is a little bit of a red herring on multiple levels, including this one. It's a scape goat to blame this mess on.
Maybe it should not be the loan company but maybe the college. I don't know, it just seems like a lot of this could have been avoided if people were not allowed to get a useless degree that they were not going to parlay into something else (like Poly-Sci to go to Law School, or English to go to Education School, etc.).
I don't disagree here. My disagreement comes when a politician, or political party, thinks it is my responsibility to help them pay it off. :(
politician, or political party, thinks it is my responsibility to
help them
pay it off. :(
It's one of the most aggravating of current events that I can think of. Absolutely infuriates me. There is no valid or justifiable reason to be doing it, other than a political stunt to win the votes of said students (and/or their parents). That's all it is.
Re: Re: Y'all or Ya'll?
By: Dumas Walker to GAMGEE on Tue Jul 18 2023 04:49 pm
Maybe it should not be the loan company but maybe the college. I don't know, it just seems like a lot of this could have been avoided if people were not allowed to get a useless degree that they were not going to parlay into something else (like Poly-Sci to go to Law School, or English to go to Education School, etc.).
A college is basically in the business of selling a product, which is education and training. I doubt they'd want to be selective about who's buying from them. However, I have heard of ivy league colleges with strict entrance exams and such that filter out certain prospective students.
This is a bit of a devil's advocate argument, but I suppose we never knowhat
omeone will end up doing for work. They may end up at an unrelated job thataybe
pens to pay fairly well (though the likelihood is probably fairly low).
hey can find a way to make use of their degree somehow, in a job thatypicall
is unrelated.
The useless degree argument is a little bit of a red herring on multipleevels
including this one. It's a scape goat to blame this mess on.
Most people that habitually complain that they have a degree and cannot get a job do not have a degree in a field that is at all in demand.
The only time the degree is not relevant is when the economy is really bad and everyone is in the same boat.
Nightfox wrote to Gamgee <=-
degrees that are offered, I'm not making those terms up. Even things
like "Philosophy" or "Art history" are in the same category. What
sensible person thinks that one of those degrees is going to ever
provide them with valuable job prospects? The school doesn't care,
because those students are lining their pockets just the same as the "real" students are. Shameless harvesting of money, and guaranteed long-term debt are the motivation for, and the result of, these stupid "degrees". Pisses me off.
I could see someone with an art history degree working at an art
museum (such as the Louvre and such), but yeah, I've heard of
such college degrees that aren't likely to have good job
prospects. I think "general studies" is another one I've seen.
If someone wants to major in something like that, to better
themselves or something, it probably makes more sense to pay
their own money or don't major in it if they can't afford it.
Nightfox wrote to Gamgee <=-
politician, or political party, thinks it is my responsibility to
help them pay it off. :(
It's one of the most aggravating of current events that I can think of. Absolutely infuriates me. There is no valid or justifiable reason to be doing it, other than a political stunt to win the votes of said students (and/or their parents). That's all it is.
I've wondered about this, and I think one of the factors about
this is whether the society is more individualistic or
group-oriented. People in the US tend to be more
individualistic, so it makes sense that the thought process for
many people in the US would be "I shouldn't have to pay for other students, and if they want to be successful, they need to pay for
it themselves". In other countries that make college tuition
inexpensive or free, I've wondered if it's because of a more
collectivist mindset - Perhaps their government wants to have a
strong economy by having an educated workforce, so they want to
do what they can to make a higher education attainable for many
of its citizens.
The Lizard Master wrote to Nightfox <=-
This is a bit of a devil's advocate argument, but I suppose we never know what someone will end up doing for work. They may end up at an unrelated job that happens to pay fairly well (though the likelihood is probably fairly low). Maybe they can find a way to make use of their degree somehow, in a job that typically is unrelated.
The useless degree argument is a little bit of a red herring on
multiple levels, including this one. It's a scape goat to blame
this mess on.
The useless degree argument is a little bit of a red herring on multiple levels, including this one. It's a scape goat to blame this mess on.
how is it misleading?
The Lizard Master wrote to Nightfox <=-
The useless degree argument is a little bit of a red herring on
multiple levels, including this one. It's a scape goat to blame this
mess on.
Re: Re: Y'all or Ya'll?
By: MRO to The Lizard Master on Wed Jul 19 2023 12:49 pm
The useless degree argument is a little bit of a red herring on multiple levels, including this one. It's a scape goat to blame this mess on.
how is it misleading?
Because the problem doesn't stem from people who racked up 50k debt for a gender studies program and now are expecting a bail out.
Perhaps, but that brings up ethical questions... Why should a loan
company get to decide what your kid can major in? That's none of their
I doubt that most colleges care, when it comes right down to it. A
student getting a useless degree is still a paying student. That's
really all they're interested in.
ngs that people are doing these days. It would be good to have many people >
What's worse is lately I've heard that high schools in the US have been rela > graduting these days with lower abilities and skills than in past years.
I've wondered about this, and I think one of the factors about this is wheth > ould be "I shouldn't have to pay for other students, and if they want to be > Perhaps their government wants to have a strong economy by having an educateIt has nothing to do with collectivist mindset for most people.
something other than an Engineer. 60% of Engineering students that get their > degree will be working as Engineers here within 3 years of coming out. THat
means 40% of them won't. And Engineers are the lucky ones.
This is a bit of a devil's advocate argument, but I suppose we never know what someone will end up doing for work. They may end up at an unrelated job that happens to pay fairly well (though the likelihood is probably fairly low). Maybe they can find a way to make use of their degree somehow, in a job that typically is unrelated.
The useless degree argument is a little bit of a red herring on multiple levels, including this one. It's a scape goat to blame
this mess on.
Please tell us more, O wise one. Rather than, you know, just throwing
out a bold statement like that with no supporting argument.
Arelor wrote to Gamgee <=-
Perhaps, but that brings up ethical questions... Why should a loan
company get to decide what your kid can major in? That's none of their
Well, if you don't have the funds to begin with, you depend on a
third party tohelp you out.
Maybe the big problem is we as a society have decided to buy a
lot of things on debt, including University degrees, thus
skyrocketing prices.
People around me is taking loans to pay their vacations. Think
about that.
Maybe it is not a bad thing that the debt tap gets tightened a
little so peoplestarts saving and paying from their savings
instead of depending on the debt system. Lots of things we buy on
debt are expensive just because they are paid with debt.
Arelor wrote to Gamgee <=-
I doubt that most colleges care, when it comes right down to it. A
student getting a useless degree is still a paying student. That's
really all they're interested in.
I think some degrees are more profitable than others.
A college where they teach Engineering needs a whole lot of
technical means. Mycollege had plenty CNC machinery and
laboratories to teach students how to do stuff. Meanwhile, the
humanities college had an empty hall where they put a piece of
political propaganda every month. It is easy to see which degree
takesmore money to provide to the University and which degree is
cheap to provide and doubles as a cost-efficient political
weapon.
The Lizard Master wrote to MRO <=-
The useless degree argument is a little bit of a red herring on multiple levels, including this one. It's a scape goat to blame this mess on.
how is it misleading?
Because the problem doesn't stem from people who racked up 50k
debt for a gender studies program and now are expecting a bail
out.
People around me is taking loans to pay their vacations. Think about that.
Re: Re: Y'all or Ya'll?
By: Arelor to Gamgee on Thu Jul 20 2023 05:40 am
People around me is taking loans to pay their vacations. Think about that.
I don't know of anyone here getting a loan to pay for a vaction. Maybe that's more of a problem where you are, or maybe people here are doing that and just not talking much about it. However, oftentimes, I hear people say they can't go on a vacaction because they don't have money for it.. So I doubt people here are taking loans for vacations.
I don't know of anyone here getting a loan to pay for a vaction.
people do that all the time. whats wrong with that?
I've taken a 401k loan out for little vacations. you just pay it back to yourself. I didn't even need to. I just did it so i had even more cash for the trip.
i've also taken loans out from my credit union when i was in a pinch.
If it's something where you're borrowing from yourself like that, I don't see a problem with that. But vacation activities are one of those things where I feel like it's not really critical enough for me to want to get a loan for. There are things I'd definitely like to do on a vacation, but if I don't have the money for it already, I'd probably just not do it (though I'd still take time off work to have a break from work).
I don't know of anyone here getting a loan to pay for a vaction. Maybe that's more of a problem where you are, or maybe people here are doing that and just not talking much about it. However, oftentimes, I hear people say they can't go on a vacaction because they don't have money
for it.. So I doubt people here are taking loans for vacations.
people do that all the time. whats wrong with that?
I don't know of anyone here getting a loan to pay for a vaction. Maybe that > cause they don't have money for it.. So I doubt people here are taking loan >
how about just a couple thousand bucks?
poor people have a right to be comfortable sometime too.
The useless degree argument is a little bit of a red herring on multiple levels, including this one. It's a scape goat to blame this mess on.
how is it misleading?
Because the problem doesn't stem from people who racked up 50k debt for a gender studies program and now are expecting a bail out.
yes, but isn't that what is happening? I know a lot of people that got degrees with no future. and biden spoke up and had them believing it would be forgiven.
where do you think it stems from?
It was pretty easy for me to choose my major seeing that my salary from
my first year of work, even at entry level, would pay for all my college
- tuition plus room and board.
Ogg wrote to Dr. What <=-
It was pretty easy for me to choose my major seeing that my salary from
my first year of work, even at entry level, would pay for all my college
- tuition plus room and board.
After taxes, and costs of living? ..I doubt it.
people do that all the time. whats wrong with that?
The issue is people is deciding to take 15% interest loans in order to go on vacations to cool places instead of going on vacation somewhere they can actually afford - often with no good plan to pay the debt off.
Getting a 3k USD loan in order to waste it in Paris when you could spend 400 inTorrevieja is abusing your luck, specially because people who tends to do just
this have a very poor cashflow.
It is not "wrong", in the sense that I don't think it is wrong for people to spill their guts in ritualistic suicide if that is what they feel they need to do. I just think it is bad for a lot of people doing it.
The subject of conversation this Wednesday afternoon at the clinic was that a number of employees of an independent Doctor were getting entramped in this sort of thing. 15% interest loans with less than a year to pay them off.
By: MRO to Nightfox on Thu Jul 20 2023 02:22 pm
how about just a couple thousand bucks?
poor people have a right to be comfortable sometime too.
I think it is wasteful, but if there is a good plan to pay the debt off I thinkit is less of a problem.
It has a lot of levels. Interest rates were completely unreasonable right out of the gate. The governement was making money on this and was borrowed against. As people here have been saying, the overall cost of education have just gone up too much as well. Having an 18 year old take on such debt at high rates is just a dumb idea. The useless degree thing is just an attack line diversion. It's easy to blame it on the one person wanting their debt cleared because they were stupid, but there were more people just trying to get the American dream.
Ogg wrote to Dr. What <=-
It was pretty easy for me to choose my major seeing that my salary from my first year of work, even at entry level, would pay for all my college
- tuition plus room and board.
not everyone who has debt is destroying themselves. debt can be a useful tool. when i had zero debt i was worse off than i was now. now i have some debt and i have a decent credit score. if i wanted to i could go get a car
I think it is wasteful, but if there is a good plan to pay the debt
off I thinkit is less of a problem.
if you work hard and you are not wasteful 99% of the time, whats so bad about taking a vacation and being comfortable.
MRO wrote to Dr. What <=-
It was pretty easy for me to choose my major seeing that my salary from my first year of work, even at entry level, would pay for all my college
- tuition plus room and board.
pretty sure you are the first person to ever say that.
makes me wonder how truthful that statement is.
MRO wrote to Arelor <=-
i don't really see 3k as a lot of money. vacations are something you
only do once in a while so why not be comfortable. otherwise, stay
home.
People who take out loans for vacations are, for the most part,:
1. poor planners
2. have their priorities completely messed up
oneycleared because they were stupid, but there were more people just trying to >> get the American dream.
nobody is forcing them to get those loans. they can also get grants and
rom other sources.
they can get into programs and get free training and certifi
cation for skilled trades.
i think going to school and getting a useless degree is a viable point.
why go to school for something that will never work out? these people have
no way of making enough money to pay back their loans.
MRO wrote to Arelor <=-
i don't really see 3k as a lot of money. vacations are something you only do once in a while so why not be comfortable. otherwise, stay home.
It's not the amount. It's the prioritization.
Taking out a 3K loan to get a new roof on your house is good prioritization.
Re: Re: Y'all or Ya'll?
By: Dr. What to MRO on Sat Jul 22 2023 08:20 am
People who take out loans for vacations are, for the most part,:
1. poor planners
2. have their priorities completely messed up
I really had never heard of people taking loans for vacations until this came up here recently. I've never known anyone to say they've done that.
i think going to school and getting a useless degree is a viable point.
why go to school for something that will never work out? these people have no way of making enough money to pay back their loans.
Maybe you don't really know a lot of people? I've worked with people that did 401k loans for vacations.
is a little bit of money a big deal?
Re: Re: Y'all or Ya'll?
By: MRO to Nightfox on Sat Jul 22 2023 11:51 am
Maybe you don't really know a lot of people? I've worked with people that did 401k loans for vacations.
is a little bit of money a big deal?
Depends on what you consider a little bit of money. But in general, borrowing money to do things is living beyond your means and generally doesn't seem like a good idea to me. "It's not a big deal" can get you into a trap of owing a lot of money if you do that too much.
15% is way high for a loan. where'd you get that number?
i think going to school and getting a useless degree is a viable point. why go to school for something that will never work out? these people ha no way of making enough money to pay back their loans.
+1. Doing this to try "to get the American dream" must be a sign that their American dream is to live off of society and constantly complain about how they've been done wrong.
you're talking about a few thousand dollars like it's 10k and the people havFIirst of all, adjusting to the cost of living, paying 1000 dollar off in Spainis harder.
Nightfox wrote to Dr. What <=-
People who take out loans for vacations are, for the most part,:
1. poor planners
2. have their priorities completely messed up
I really had never heard of people taking loans for vacations until
this came up here recently. I've never known anyone to say they've
done that.
It's not the amount. It's the prioritization.
Taking out a 3K loan to get a new roof on your house is good prioritization. Taking out a 3K loan for a vacation is bad prioritization.
People who take out loans for vacations are, for the most part,:
1. poor planners
2. have their priorities completely messed up
I think that's all correct. It's also a sign of those countries being
much more receptive to the ideas/beliefs of socialism, which is
generally not very well received here in the USA. Independence,
freedom, and small government / small taxes are sort of a fundamental
thing in America, and have been since .... 1776. ;-)
Maybe you don't really know a lot of people? I've worked with people that did 401k loans for vacations.
Re: Re: Y'all or Ya'll?
By: MRO to Nightfox on Sat Jul 22 2023 11:51 am
Maybe you don't really know a lot of people? I've worked with people that did 401k loans for vacations.
Yikes!
MRO wrote to The Lizard Master <=-
that did 401k loans for vacations.
Yikes!
whats wrong with that? you just pay it back.
you're paying it back to yourself.
Margaerynne wrote to Gamgee <=-
A communal mindset isn't only present in socialism.
After all, why wouldn't you want your neighborhood to flourish? Why wouldn't you want
the best for the schools that educate your children, the city that
they live in, and
the state they claim as their home?
People didn't join fraternities, industry-specific credit unions, and neighborhood councils
because they were stupid or communists -- they joined because, as in
1776, it makes the most
sense to join with people like you.
Hell, even the titans of industry collaborated and colluded all the
time.
It's the most American thing there is, all the way back to "Join or
Die".
Maybe you don't really know a lot of people? I've worked with people that did 401k loans for vacations.
Yikes!
whats wrong with that? you just pay it back.
you're paying it back to yourself.
Margaerynne wrote to Gamgee <=-
Re: Re: Y'all or Ya'll?
By: Gamgee to Nightfox on Wed Jul 19 2023 09:13 pm
I think that's all correct. It's also a sign of those countries being
much more receptive to the ideas/beliefs of socialism, which is
generally not very well received here in the USA. Independence,
freedom, and small government / small taxes are sort of a fundamental
thing in America, and have been since .... 1776. ;-)
A communal mindset isn't only present in socialism.
Americans used to be very community-minded and eager to
participate in civic life.
After all, why wouldn't you want your neighborhood to flourish?
Why wouldn't you want
the best for the schools that educate your children, the city
that they live in, and
the state they claim as their home?
People didn't join fraternities, industry-specific credit
unions, and neighborhood councils
because they were stupid or communists -- they joined because,
as in 1776, it makes the most
sense to join with people like you.
Hell, even the titans of industry collaborated and colluded all
the time.
It's the most American thing there is, all the way back to "Join
or Die".
MRO wrote to The Lizard Master <=-
Re: Re: Y'all or Ya'll?
By: The Lizard Master to MRO on Mon Jul 24 2023 01:07 pm
Maybe you don't really know a lot of people? I've worked with people that did 401k loans for vacations.
Yikes!
whats wrong with that? you just pay it back.
you're paying it back to yourself.
that did 401k loans for vacations.
Yikes!
whats wrong with that? you just pay it back. you're paying it back to
yourself.
And while you're paying it back, that money ISN'T earning interest, making your 401K less valuable.
whats wrong with that? you just pay it back.
you're paying it back to yourself.
Ton of reasons, you are paying back that loan with after tax dollars so you completely wipe out and lose out on probably the single biggest benefit of pretax dollars. Also if you have to take a loan out for a vacation from your retirement you are also probably more likely to default on yourself. It also depends on you keeping you current employer, you get fired you need to pay that back immediately.
Just not a great idea.
MRO wrote to The Lizard Master <=-
that did 401k loans for vacations.
Yikes!
whats wrong with that? you just pay it back.
you're paying it back to yourself.
And while you're paying it back, that money ISN'T earning interest, making your 401K less valuable.
Margaerynne wrote to Gamgee <=-
A communal mindset isn't only present in socialism.
Only a most disingenuous person would try to conflate socialism with being in a community. But we've come to expect such things from you.
Re: Re: Y'all or Ya'll?
By: Dr. What to MRO on Tue Jul 25 2023 07:35 am
that did 401k loans for vacations.
Yikes!
whats wrong with that? you just pay it back. you're paying it back
to
yourself.
And while you're paying it back, that money ISN'T earning interest, making your 401K less valuable.
And just to pay for a vacation.. Not worth it. If I couldn't afford
that,
I'd just stay home for my vacation. Just taking time off work can still be good.
I really had never heard of people taking loans for vacations until this came up here recently. I've never known anyone to say they've done that.
I really had never heard of people taking loans for vacations until this
came up here recently. I've never known anyone to say they've done that.
I know plenty of people who have. Whether that be an outright loan, or redrawing from your mortgage.
I personally haven't but to me it seems like it might be a better option than putting a $10k vacation on your credit card at 21% APR when you can't pay it back within the interest free period and people generally seem to have no qualms about doing that.
option than putting a $10k vacation on your credit card at 21% APR when you can't pay it back within the interest free period and people generally seem to have no qualms about doing that.
I've never put that much on a credit card for a vacation.. Any vacation I've taken, I've saved up for it beforehand.
Which had nothing to do with socialism.
Ton of reasons, you are paying back that loan with after tax dollars so you completely wipe out and lose out on probably the single biggest benefit of pretax dollars. Also if you have to take a loan out for a vacation from your retirement you are also probably more likely to default on yourself. It also depends on you keeping you current employer, you get fired you need to pay that back immediately.
i think you don't know much about the subject and you are jumping to extreme conclusions. they will not let you take out a loan you can't pay off. there has to be some there to cover it.
that's your opinion. you've never done it, though.
option than putting a $10k vacation on your credit card at 21% APR
when you can't pay it back within the interest free period and people
generally seem to have no qualms about doing that.
I've never put that much on a credit card for a vacation.. Any vacation
I've taken, I've saved up for it beforehand.
you're like the weirdest guy on here.
i think you don't know much about the subject and you are jumping to extreme conclusions. they will not let you take out a loan you can't pay off. there has to be some there to cover it.
It's not a sound financial decision especially for a vacation. Others here have stated more reasons as to why.
that's your opinion. you've never done it, though.
Sure. I don't plan on it because objectively I don't think it's a good idea though. It's not like saying "I've never tried BBQ sauce, but I don't like it."
you're like the weirdest guy on here.
I think you're trolling now.. Making sound financial decisions isn't weird. I'm not going to put $10,000 on a credit card for a vacation, and I don't
Please remember, though, that the topic of discussion was basically that Europeans are generally more receptive to socialism - as in who pays for
the "free stuff". College educations and the forgiving of student debt,
to be specific.
MRO wrote to The Lizard Master <=-
i think you don't know much about the subject and you are jumping to extreme conclusions. they will not let you take out a loan you can't pay off. there has to be some there to cover it.
It's not a sound financial decision especially for a vacation. Others here have stated more reasons as to why.
just one other guy.
that's your opinion. you've never done it, though.
Sure. I don't plan on it because objectively I don't think it's a good idea though. It's not like saying "I've never tried BBQ sauce, but I don't like it."
whatever dude. people do it. live with it.
I favor student loan forgiveness (to a point, not necessarily a complete an > s continue to turn expertise into economic growth.I'd argue that the education machine is a mean of production - since it produces professionals, at least in theory. Therefore any attempt from the Government or any authority structure to take over it using cohercitive means is a Socialist action.
I don't particularly care about la revolucion, and I want neither Peron nor > beyond inflation.
But, at the end of the day, there's room for reasonable disagreement.
Even with us both being reasonable people, I'm not sure this is going to c
I'd argue that the education machine is a mean of production - since it produces professionals, at least in theory. Therefore any attempt from the Government or any authority structure to take over it using cohercitive means is a Socialist action.
When a Government becomes the primary source of funds for a corporation, that corporation becomes a branch of the Government. See Spanish examples such as ACS or Indra.
Now, the problem with forgiving loans or using tax money to fund education is that you massify education (which is bad), you overproduce professionals (whichis bad) and are sending the message that education may get as expensive as it
wants to get, because the Government will cover for it (which is bad because you end up paying for it through the Government).
But I dare say the premise that formal education must be accesible to anybody at any cost is flawed, so the whole points above are moot.
We don't need degreed people. We need qualified workers. Lots of jobs can be done by people who has never stepped into College and in fact they may make more money in a number of cases. I'd make the point that we need to stop promoting the need for getting a degree and start promoting the idea that people should be learning a trade. Spain is #1 example of a country that keeps overproducing degreed people, won't stop producing degreed people, and as a result has lots of degreed people working at places were no degree is needed.
And the argument gets better.
Lots of what you learn through the University you could learn yourself. This isthe era of Internet and public libraries. People does not go to College to *learn*, they go to College to get a *paper* that says they passed some compliance test that makes them fit for certain role in Society. I am not symathetic to the idea that Joe the Gardener has to pay for some kid to get a paper which is only needed because we have artificially made that paper powerful.
I reproduce a joke I once read in a web comic:
[SMBC joke snipped]
You /can/ spend four years learning rigorous mathematics yourself, but whynot benefit from professionals who came before you?
Yeah, kind of disgraceful that they spent all that money, and an institution took it, just so they can work in a job that doesn't even require one to begin with. Shameful that the education system steers people that way in order to better indoctrinate them all.
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