But it IS how we see prices. If there weren’t science behind it, they wouldn’t be doing it.

Holy smokes I’m sorry. I didn’t know if my story can encourage you or not, but maybe it will.

I got married in 1987. Not quite 20 years in in 2006, we split up. I was unhappy, and became an asshole and walked out in her and my three sons. I realized almost immediately that I couldn’t look myself in the mirror. And twenty months later we decided to give it a shot. It lasted almost two years before the wheels finally came off for good.

So here I am, not quite 50 and very single. I met another girl, we became a couple and have now been together 13 years.

It can happen. You can find happiness again

Absolutely fucking brilliant.

Not progressive, and I roll my eyes at many things California does. That said I 100% applaud this. I wish more states used their power as individual states to reign in the Federal government.

Remember The Constitution says any rights not specifically granted to the Feds are the States.

Good for California.

Or, as it is the Fifth of November, watch V for Vendetta.

I tell people that I’m 247.5 Oreo Cookies tall.

You can try The Free Press their coverage starts at 7pm Eastern tomorrow.

https://youtu.be/u3Seqsx7I_A?si=vvLkp6KPhJlzJ3Yr

This sounds like exactly my response to a ”Christian” movie. They are so ridiculously bad because to earn the label “Christian” they have to be preachy.

11-22-63 by myself and The Hail Mary Project with my wife.

I just finished listening to all 14 Honor Harrington novels.

Beat me to it.

I’m just impressed by the logistics of getting this put together so very quickly. No matter what you think of Trump, someone was in the ball.

I could see Mt St Helens from my bedroom window in Portland. I did not see the first eruption but watched the second.

That’s really a valid point.

Boredom after some period of time, you will have some everything there is to do.

Thanks for the thoughtful comment.

Of course some are. Hell I’m married to a Soldier and I see predators preying on young Soldiers all the time. “Use your enlistment bonus to buy this cool Challenger! You’ll only be paying 20%!” (I didn’t believe those who take these loans should have them forgiven either).

I’m unsure that student loans can be placed in that category. Perhaps if you got a student loan for Trump University (or any other for-profit University) I’d consider it predatory. But most people know full well what they’re doing when they choose to go to university, and choose to borrow to do so.

As I said in the post that you responded to, I think making the debt dischargeable in a bankruptcy would make lenders far more cautious about who they make a student loan to, and that would start solving the problem as university’s would actually have some pressure on the price of the education they would like to sell you.

As you can see in two further posts here I did say that student loans should be dischargeable by bankruptcy.

Starting at the bottom…

I’m curious that it makes me an ass to believe that no matter who your are, you should pay your debts. That goes for banks, industries, farmers, and students.

As I mentioned in another comment. I do believe the law needs to be changed to make student loans dischargeable in a bankruptcy.

The rest of your comment will take a lengthy reply, so I hope you stick around.

You are correct that education has far outpaced the rest of the economy when it comes to inflation. I believe there are two factors at work there.

First, we have glorified education at the expense of the trades. I grew up in the 70s and the roots of that were already beginning to take hold. The adults around me praised and respected (though that’s not quite the right word) the “educated”. They would say things like “if you want to amount to anything you need a college education!” While at the same time complaining about what the plumber, or electrician, or mechanic charged them.

When I went to high school I went to a school that had been “boys only” (a bad thing) until shortly before I started in 1977. They taught the trades. In fact I had to take eight introductory courses in various trades my Freshman and Sophomore years (a very good thing).

But educators bit on the whole “if you don’t go to college, you will suck as a human being” thinking. Parents of course want what’s best for their children, so they pushed their kids into colleges. Many of those kids would have been far happier elsewhere.

As an aside, my high school still exists, but I don’t think you’ll learn the trades there anymore (I may be won’t about that as I haven’t paid attention in many years, but I think I’m on pretty solid ground with my claim.)

More customers competing for limited resources raises prices. That said, it’s not the main culprit.

The main culprit is the fact that there is no means-testing for student loans. Need a loan to go to school? Here’s a check.

There was no financial pressure for universities to constrain costs. They knew that lenders would pay for someone’s schooling regardless of cost, because those lenders had absolutely no risk!

This created a horrible downward spiral. Too many highly educated individuals competing for too few jobs has created a morass that will take generations at least to resolve.

We have too many highly educated folk, and too few folk willing to do manual labor in the trades. I can’t count the number of trades people who have told me that they just can’t find good help!

Of course too few people working in the trades has created another sort of inflation. That in turn impacts all of society.

Thank you.

As I was thinking on this subject, I do have one significant proposal when it comes to student loan debt. It should be dischargeable under bankruptcy.

I try and remain intellectually consistent.

I’m opposed to bailing out banks.

I’m opposed to bailing out any industry not just the auto industry

I’m opposed to bailing out farmers (and I currently live amongst corn fields).

And, I’m opposed to too big to fail.

I’m also opposed to student loan forgiveness.