Recession coming

[SkinBasket]

DRUID HURRICANE!

Just try to recover from that one.

[Zool]

Retard

Whore.

I dont charge anyone but you, so that makes me a slut not a whore.

[SkinBasket]

I've seen faghags before, but never a tardslut.

[Zool]

Its like charity work for me.

[SkinBasket]

Recession resmession.

[Freak Out]

Recession resmession.

Mother fucking ouch! What a stupid fuck.

[Zool]

Recession resmession.

Further proof that medical science is going to destroy the earth. This guy should have fallen victim to himself before now.

[MJZiggy]

Partial, a couple of thoughts. First, has it ever occurred to you that they don't require students to work 25 hours a week because they're SUPPOSED to be focusing on their studies? You can do it, yippee for you, but there are people out there who don't learn things as quickly as others who are working their asses off to barely squeak through school. Are you saying they should be denied academic viability because you are able to work 25 hours a week while they struggle with devoting full time to their studies?

Secondly, the fact that they don't ask for 20% down anymore (they used to) might be because the government wants to be able to tout home ownership as a statistic of the success of the administration. They get more people into houses, they look good because America is prosperous. Actually, I think the requirement that lenders summarize the terms of the loans for their clients to be a good thing. Hopefully they will be required to explain in simple terms that the loan includes a $10k balloon payment or that after 3 or 5 years the percentage rate is likely to escalate and that the payment will go up.

It seems people have been signing loan papers without understanding these things and things like if the taxes go up, so does the payment. I would like to see lenders be a little more strict in terms of the amounts they will approve and the types of loans they offer, but it's up to homeowners to understand what they're getting into as well. They aren't children, but on the flip side, they shouldn't be deceived and misinformed either.

Have you noticed, P, that the people who are telling you to slow down before you make judgments are the members of the forum who have been out living life for a number of years? Have you noticed that not one person who has been out on their own for any length of time has posted that your ideas are correct? Why do you think that is?

You've created an incredible amount of unity and agreement in opinion. That's rare, the only problem is that what they seem to agree on that you're being overly rigid (and judgmental) in your thinking and your ideas on this stuff are wrong.

[Partial]

Partial, a couple of thoughts. First, has it ever occurred to you that they don't require students to work 25 hours a week because they're SUPPOSED to be focusing on their studies? You can do it, yippee for you, but there are people out there who don't learn things as quickly as others who are working their asses off to barely squeak through school. Are you saying they should be denied academic viability because you are able to work 25 hours a week while they struggle with devoting full time to their studies?

That's exactly what I am saying. If they cannot manage their time wisely enough, than thats there problem. Seriously. Who cannot squeeze 25 hours into a week?!? There is AMPLE time to study still. 5+ hours available every day.

Secondly, the fact that they don't ask for 20% down anymore (they used to) might be because the government wants to be able to tout home ownership as a statistic of the success of the administration. They get more people into houses, they look good because America is prosperous. Actually, I think the requirement that lenders summarize the terms of the loans for their clients to be a good thing. Hopefully they will be required to explain in simple terms that the loan includes a $10k balloon payment or that after 3 or 5 years the percentage rate is likely to escalate and that the payment will go up.

It seems people have been signing loan papers without understanding these things and things like if the taxes go up, so does the payment. I would like to see lenders be a little more strict in terms of the amounts they will approve and the types of loans they offer, but it's up to homeowners to understand what they're getting into as well. They aren't children, but on the flip side, they shouldn't be deceived and misinformed either.

Have you noticed, P, that the people who are telling you to slow down before you make judgments are the members of the forum who have been out living life for a number of years? Have you noticed that not one person who has been out on their own for any length of time has posted that your ideas are correct? Why do you think that is?

You've created an incredible amount of unity and agreement in opinion. That's rare, the only problem is that what they seem to agree on that you're being overly rigid (and judgmental) in your thinking and your ideas on this stuff are wrong.[/quote]

The reason is because I propose answers. At the very least, it is something different than what their is now where everyone says gee, I don't know how to fix it so lets have it stay the same despite being a bad system.

For what its worth, I think most people on here that know me outside of here (the platteville people) realize that I am actually a fairly liberal person and don't actually posess such radical views. It's a debate exercise for the most part. However, as I grow older and more cynical I think that these radical views are more and more correct.

[MJZiggy]

YOU'RE NOT LISTENING TO ME!! I SAID that not everyone is ACADEMICALLY capable of studying and working at the same time. Not everyone assimilates information at the same rate! Some people take an incredible amount of time and energy to learn things you take for granted knowing because it was easy for you to learn them. It's not about time management. It's about expending whatever amount of time and energy necessary to learn the course material. Some....people....learn....more....s-l-o-w-l-y than others. We do not agree at all.

If the answers you proposed made sense, people would wonder why they didn't think of them themselves. No one is thinking that about your propositions.

Why don't you try actually growing older before you start acting cynical? Idealistic youth is something older people often enjoy.

[Partial]

Zig thats a load of BS and you know it. There is ample time for anyone to learn with a 25 hour work schedule. If they can't learn it in 5 hours a day, they're not going to learn it period unfortunately.

My propositions wouldn't fly because people are afraid to sink or swim on their own.

[Freak Out]

[GrnBay007]

My propositions wouldn't fly because people are afraid to sink or swim on their own.

FYI......you are 20 something. I highly doubt you have even had the "life" opportunities to sink OR swim yet. Quit being so judgmental please. I remember last year you seemed like an inquisitive college kid seeking advise....suddenly you learned it ALL in such a short time. Must have been that darn diploma.

[Bretsky]

I wish I knew that the h@ll this thread was about but I'm too lazy to go read the whole thing

[MJZiggy]

Zig thats a load of BS and you know it. There is ample time for anyone to learn with a 25 hour work schedule. If they can't learn it in 5 hours a day, they're not going to learn it period unfortunately.

My propositions wouldn't fly because people are afraid to sink or swim on their own.

No they are not. I have known plenty of people who've struggled. I got in on a program designed for people who struggle. This is why tutors exist, because people struggle. Not everyone is you. What you're saying is not true, given enough time, dedication and study, they can survive in school. I also know a woman who is in the middle of raising two kids who wants her degree so she can go back to work who is going to need aid. I'm sorry but she has a full plate without the school. Not everyone fits into your convenient little scheme.

LISTEN TO THE PEOPLE WHO HAVE BEEN IN THE WORLD. We're trying very hard to tell you that you simply cannot pidgeonhole people. It doesn't work. One of the greatest skills you can ever learn is to listen. It is mandatory in business. Listen to what those with more experience have to teach you.