nothing looks perfect in the hindsight imho. you always feel you could've done better in the past, and you can regret for some of the decisions you've made in the past, but no one is a prophet. it's never a smart choice to follow someone else's advice when you're the one who's responsible for your life. i suppose people who gave your the "terrible" advice were also the ones you trusted (otherwise you wouldn't have followed their advice), but you can't blame them for giving you the terrible advice, you should take the responsibility of yourself and it's unfair to say they wished you bad or something. their advice just don't apply to the 21st century anymore, they belong to the past generation.
therefore, even your parents' advice ain't guaranteed to be the best for you. maybe their advice was the best for themselves and for the 70s and 80s, but that's obviously outdated in the present world imho.
at least you haven't stepped into a woman's trap (marriage or relationship) yet, so your dream is still alive (knowing that women are all dream killers). and don't forget the proverb that says "a woman is as old as she looks, while a man is as old as he thinks", which means that you're always young as long as you have a young heart.
you once said you were still a virgin at age 25, and that's such a remarkable achievement for a guy that i have to give you all my genuine respect, when most youngsters nowadays will have lost their virginities before age 16. only the ones who have the highest intelligence and the strongest for ude can manage to resist the natural/inborn appe e of a human being tbh. being an "old" virgin ain't something to be ashamed of, but something you can be proud of imho.
if you can only make one right decision in your lifetime, you should make it now. quit living as a subordinate to them feminists and be the person that you really are
I've been honestly thinking about just saying " it" and just leave North Texas and see the world. For me, there's more to life than North Texas. I live paycheck to paycheck but sometimes you cannot pass up an adventure. I'd love to just get away for like half a year or a year and just go explore the world. It would be nice. One can dream I guess.
Yes, you should leave North Texas. Oklahoma is a terrible state.
It Takes a B.A. to Find a Job as a File Clerk
The college degree is becoming the new high school diploma: the new minimum requirement, albeit an expensive one, for getting even the lowest-level job.
Economists have referred to this phenomenon as "degree inflation," and it has been steadily infiltrating America's job market. Across industries and geographic areas, many other jobs that didn't used to require a diploma - positions like dental hygienists, cargo agents, clerks and claims adjusters - are increasingly requiring one, according to Burning Glass, a company that analyzes job ads from more than 20,000 online sources, including major job boards and small- to midsize-employer sites.
"Going to college means they are making a real commitment to their futures. They're not just looking for a paycheck."
This up-credentialing is pushing the less educated even further down the food chain, and it helps explain why the unemployment rate for workers with no more than a high school diploma is more than twice that for workers with a bachelor's degree: 8.1 percent versus 3.7 percent.
Some jobs, like those in supply chain management and logistics, have become more technical, and so require more advanced skills today than they did in the past. But more broadly, because so many people are going to college now, those who do not graduate are often assumed to be unambitious or less capable.
Plus, it's a buyer's market for employers.
"When you get 800 résumés for every job ad, you need to weed them out somehow,"
http://mobile.nytimes.com/2013/02/20...anies.xml?f=19
So you spend $10Ks for college, and get a job a file clerk, receptionist, etc. GREAT career move, and congrats on "not just looking for a paycheck".
I feel the degree inflation has a lot to do with the dumbing of America. If you got your ish together, youll find a great job, regardless of a degree. Cream ALWAYS rises to the top. The problem stems from within the pool of idiots, you can assume one is halfways competant if they survived college.
Too many people grow up thinking that life is like a video game. "If i get that degree, im guaranteed $50k, i can always level up to a masters and double my income"
As the idiot pool grows larger, a work ethic and common sense are a more valued skillset, employers can tell alot about someone through a few minute interview. Hiring on paper is so outdated.
But even in your interpretation you're still scoffing Manny; lol it's not about you Manny, it's about that atheist who agreed with your post.
In the 90's, I quit teaching to take a gig as a sideman on a world tour for Alligator Records for a little more than a year. It was illuminating, to say the least and served up many lessons. However, my epiphany that defined that experience was: You can't find the middle unless you've been to the edge. At the end of the tour, I was ing begging for anything approaching middle/normalcy. The larger meta-lesson for me was: I can manufacture my own happiness and supply fulfillment.
YMMV.
Translated: I like being an old fuddy duddy.
you gonna go home and tell yer boyfriend you got whooped by a fuddy duddy?Translated: I like being an old fuddy duddy.
Is that you Mavs>Spurs?you gonna go home and tell yer boyfriend you got whooped by a fuddy duddy?
Plus, you'd have to get on-base first.
I'm a ninja.Is that you Mavs>Spurs?
Plus, you'd have to get on-base first.
And I have a wide array of super powers.
Is that you Mavs>Spurs?
Plus, you'd have to get on-base first.
Don't forget, lngrrr, Tony Spark here has his petroleum money to buy all those wonderful toys.
Join the Peace Corps.
As to the original article, I can not help but think the dad is justifying spending the money to do some stuff that he wants to do and claiming it is family time for the kids. He wants to go to Europe. He wants season tickets to the theatre.
Meanwhile, the 1% takes care of its own
First college to raise $1B? Stanford beats Harvard
For the eighth straight year, Stanford ranked first in the Council for Aid to Education's annual college fundraising survey, which shows that elite ins utions continue to grab a disproportionate share of donor dollars.
In the 2012 fiscal year, roughly 3,500 U.S. colleges and universities raised $31 billion, 2.3 percent more than the previous year. The record was set in 2008 when schools took in $31.6 billion before fundraising dropped during the height of the financial crisis.
"We're climbing out of the doldrums," said survey director Ann Kaplan. "We haven't returned to the high point of 2008, but we're approaching it. I think you can say that about a lot of industries."
Topping the list was Stanford at $1.035 billion, followed by Harvard University at $650 million, Yale University at $544 million, the University of Southern California at $492 million and Columbia University at $490 million.
The top 10 fundraising colleges collected $5.3 billion, or 17 percent, of the $31 billion, even though they represent only 0.3 percent of the 3,500 accredited, nonprofit schools included in the survey.
Stanford benefited from a surge in donations at the end of its multi-year Stanford Challenge fundraising campaign, which netted $6.2 billion. It also benefited from the successful launch of a $1 billion campaign for its medical school and hospitals.
The 10-campus University of California system raised $1.56 billion, which doesn't include money collected by its individual campuses. UC Berkeley was the leading fundraiser among all public universities, taking in $405 million.
Located in the heart of Silicon Valley, Stanford's alumni list includes the founders of major tech companies like Yahoo Inc. who have given to the school in recent years.
Stanford raised 46 percent more in its 2012 fiscal year than the $709 million it collected in 2011 and surpassed its previous record of $911 million set in 2006. The $1.035 billion haul is equal to nearly $56,000 for each of its roughly 18,500 undergraduate and graduate students, though much of the money will be used for research and construction.
By contrast, San Jose State University, a public college 20 miles away, raised $14 million, which is equal to $450 for each of its 31,000 students.
Stanford received donations from nearly 79,000 donors, including $100 million of a $150 million gift from Silicon Valley investor Robert King and his wife Dorothy to establish the Stanford Ins ute for Innovation in Developing Economies.
http://www.csmonitor.com/USA/Latest-...All+Stories%29
Assuming a marginal tax rate of 30% on earned income for the savings, and a 5% saving rate, saving 1000 per year every year for 18 years will net, after taxes, $25092.67, assuming no inflation, i.e. cost of capital.
Assuming inflation/fees of 3% your net present value of all that money is .... $20,388
This, of course doe not factor in the avoided costs of student loans to the child, generally hovering about 7% or so. That would raise it a bit.
Parents saving money for college for their kids is stupid anyway. You are FAR better off saving it for yourself.
At the end of your life, you will get vastly expensive before you croak, medical care, nursing home, ho e, funeral.
The VAST majority of people have not saved enough, and their kids will carry that cost. Either they will pay for it directly, or they will pay for it in taxes for the en lement programs you hate so vehemently.
If you want to save money to benefit your children, save for your retirement.
College is not the same clearly beneficial proposition it used to be, IMO. The costs have out paced the wage benefit for 20 years, and look to continue on that for a while. This strongly suggests that the net present value of a college education is falling.
Personally, I will leet my kids decide fro themselves and start VERY early on telling them about these options. Age 10 seems to be about the right age. My oldest hits that next month.
True.
And a lot of young, progressives are deciding not to have kids. It will only get worse.
That's pretty much my strategy... if you tell your children they have funds, then it's only human nature for them to feel they don't have to work as hard in grade school (it becomes a crutch - "eh... I'll go to college anyways")... My parents didn't have to pay a single cent for my college tuition nor did I want for that financial burden to fall on their shoulders... why does society deem that to be the case, anyways? I figured that since college was required for my future, that then I should be the one that had to work for it...I'm trying to do both. The wife doesn't tend to trust babysitters, so we bring our kids to restaurants, hiking trails, movies, museums, etc etc. And being in the military, I'm pretty sure he'll get to see a decent amount of the world. Also, I'm not telling my kid about it... I'm going to make him think he has to do it on his own, and if he chooses a good career, and gets good grades, then MAYBE I'll tell him about it.
Kids tend to come out of the other end with a bit more debt these days. Usually that debt burden is disproportionate to what one can expect to make in terms of salary. While its better for scientists and engineer types, the issue is beginning to encroach on those disciplines as well.
So shouldn't it be better to work, and borrow less?
Except that with a crappy job market, compe ion is even greater, meaning the need for a degree is even more pronounced.
I see...
Too good for any minimum wage job.
That's a wrong at ude in my book. Any extra money helps.
with some degree programs, it's nearly impossible to work a part time job and go to school full time.
There's lots of jobs one can do homework at. What one person deems impossible the next might think its the easy road.
Our grand fathers would probably be studying to become a doctor while working a full time night job as a hotel check in. Meanwhile he'd be doing homework and catching a snooze at night. On weekends he'd be fixing up the old house for his newlywed bride.
But today we say we can't get a job because we don't have a car.
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