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Why don't you do the math before you tell these kids to not borrow money-- or get a job!

 
Anonymous Coward
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10/16/2011 04:28 PM
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Re: Why don't you do the math before you tell these kids to not borrow money-- or get a job!
If you want to threaten that you'll come and take my wealth from me while I sleep then I encourage you to try. By all means, try.
 Quoting: TexasGirl
All that wealth you have, you have from either luck or inheritance. Period. I don't care what you think you or anyone you know may have done to feel like you can push other people away and make them work for you, which is all money really is. If you didn't put a house together with your own hands, if you didn't water the tree that you fashioned the boards from, if you didn't plant the seed that grew into that tree, then who are you to say you deserve anything? Let me tell you a story:

One day, a test came, and a kid with a very involved family came with 3 pushup pencils, and another kid was an orphan, and had nothing to write with. This pencil-less kid told the teacher, but the teacher was harsh and said he'd fail with nothing to grade. He asked the person with the 3 pushup pencils if he could have one, and the person told him no.

The kid failed his test, and failed his class, and failed his grade. This kid would end up with a poor reputation, poor outlook, and poor grades. I can almost smell the small kids now, in my mind, that were like this in my past. I remember these little kids who looked forward to their terrible school lunches. Maybe you were a preppy pos, and have no fucking clue what this is like.

Now this kid grew up, and had his own children. And he made a decent wage. When his child goes to school, will he be an involved parent. Hopefully.

But, here's the important part:

What would he tell his child to do if another child needs a pencil?
 Quoting: Anonymous Coward 3427039


No luck and no inheritence, hard work my friend. I grew up very poor. I lived with my grandmother and we had no car. She made $78/month in Social Security and that was how we lived. We got commodities from the government to eat. We had no car and walked several miles when we needed to go to town. We could never buy more at a grocery store than we could carry home and I couldn't carry much - she would have to stop and wait so I could rest because my small legs couldn't keep up. She said, "Just keep putting one foot in front of the other" when I could compain that I was too tired so don't you dare think I haven't been there.

She had one other message for me too. She said "You can be anything you want to be and you can do anything you set your mind to". I recall in second grade (not long before she died) that we were given a piece of art paper and told to draw something for the art fair. I wasn't good at art (still aren't) and we began and at the end of the time we were given, almost all the students were done. I wasn't. I colored my entire picture the way you normally outlined a picture so the crayon was very dark. It took me eight days to finish my picture - I would work on it at lunch, during recess, after school until I finished it. I won fourth place - not great but I can't draw worth a darn. I was simply willing to do what most kids weren't - I was willing to work harder. I'll give you another illustration, when I was in high school I took great pride in my penmanship. If I wrote a paper and got to the last line on the page and made a mistake, I would wad up the page and start again. I cared enough to do what most wouldn't. It was reflected in my grades and then, reflected in my career.

I made it because I was willing to do what most people weren't. Everyone should have an opportunity and it's up to them what they make of it. They should indeed get the pencil.
InterMezzo

User ID: 1336169
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10/16/2011 04:44 PM

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Re: Why don't you do the math before you tell these kids to not borrow money-- or get a job!
I still see people fighting in convincing eachother that they are wrong instead of finding things that we all have in common in today's society.

Fact is that today's society has become more individualistic and materialistic than say 30/40 years ago. Community sense has been replaced by fear, mistrust and society of sanctions. "If you don't do this, than that will happen.."

Fact is that there are not half as many jobs available as there were 30 years ago. Technology has taken over a lot of human labor, so there are far more people applying for the same job now than 30/40 yrs ago.

Fact is that wages for the same job have not kept track with the rising cost of living. In fact, today's newcomers for a job that paid well in the past, will most likely get paid far less than newcomers in the same job 30/40 years ago (percentage wise of course.) All under the excuse of companies needing to cut costs in order to survive.

Fact is that a lot of people do not want to do dirty basic jobs, like cleaning, for small wages, so companies hire foreigners. To say that they steal your job is a poor excuse for yourself not wanting to do that job.

Fact is that the younger generation is stimulated to get at least a degree or go to university in order to "be able to build a better life than previous generations." All that leads to is companies hardly being able to fill for instance lower technical positions in production and an overkill of well educated, deep in debt, highly qualified people for way to little higher ranked positions. Result is more unemployment in those fields.

Fact is that companies do not see their people as added value, but as costs. First cuts are often cuts in people, leading to more pressure on the remaining crew, less commitment, higher sick leave rates, more stress related family dramas and a increasing split up of society between working and not working, rich and poor. Also leading to people being less willing to stand up for eachother, because who knows, they may be next in line to get laid off.

Fact is that people are more affraid to look eachother in the eye and make a joke to a complete stranger than 30 yrs ago, affraid that the other might get it wrong and start a fight.

You all have valid points in this discussion, but trying to convince eachother that way will not solve the problems we are facing.

Basic point is that if this society of young and old, companies and employees and people in general do not start working together to face this downswing, in a couple of years, there will be no other society left, but a cold, dark one without empathy, in which only the right of the most powerful counts. That goes for people as well as companies.

We all can name a thousand threats, but those who go for solutions are the ones that stand out. Open your eyes and respect the other's opinion, work together and go from solutions and opportunities instead of the easy path of threats and fear.

Last Edited by InterMezzo on 10/16/2011 04:58 PM
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BigNutChuck  (OP)

User ID: 1140210
United States
10/16/2011 04:45 PM

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Re: Why don't you do the math before you tell these kids to not borrow money-- or get a job!
the Toyota Yaris is a damn fine vehicle (everyone has them here)

they cost $20k here but only $13k in the US--brand new

plus, cheap as chips on gas

OP said $18k will get you a piece of shit?

you need to think outside the box a bit
 Quoting: Anonymous Coward 664728


I laugh because the only thing you people can attack on the first post in that fact that you can get a car cheaper than $18,000.


Ok people you win. Now the math says you might have shit paid off and out of debt when you are 79 instead of 80 something.

I already explain what I mean't by Piece of shit. Cars are not made to last anymore. They make them fail and have problems on purpose so you have to get a new one or buy parts. They make them so you can't work on them period!!!
I doubt any car made today will last 30 years. So that means you must budget this in and if you kept a car 15 years, your value of that car is almost nothing.


The point of the thread was to show that these kids and most folks don't have a chance.

If you made your money, good for you, but if you had to try now you would be screwed. Be thankful and quit talking shit.

You all are posting negative shit like
"Get a Job"
"Live in Your means" etc

To "live in your means" is an old expression. It would mean never going into debt and only buying what you can afford. I already showed you this was almost impossible. You borrow you are owned. You don't borrow you are also a slave and owned.


If you don't agree then prove how someone gets ahead.
Show why these kids are bums.
Give an example in detail on how to get around the math and become great like you. How to take on NO DEBT, NEVER HAVE PROBLEMS IN LIFE, ALWAYS KEEP A JOB, ETC.

And I am not talking about the B.S. walked in snow uphill to school shit.
Rather die standing than live kneeling
Anonymous Coward
User ID: 1550123
United States
10/16/2011 04:50 PM
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Re: Why don't you do the math before you tell these kids to not borrow money-- or get a job!
DOLLAR GENERAL PAY FULL TIME EMPLOYMENT : (REAL LIFE SCENARIO)

$110.18 AFTER TAXES x 4 WKS = $440.72

HEALTH INSURANCE : NO
SEIZURE MEDICATION : $39.99 PER MONTH
RENT : $450.00
UTILITIES : $126.57
CAR PAYMENT : $375.99 OF $18,900.14
CAR INSURANCE : $89.67
FUEL TO GO TO DOLLAR GENERAL : $110.00 EVERY 2 WKS x 2 = $220.00 (V6 22 MI PER 1 GAL. @ $3.49 PER GALLON IN PITT COUNTY AREA)
VEHICLE MAINT.: $200.00 EVERY 3 MONTHS (TIRES, OIL + BRAKES)
GROCERIES : (SAVE A LOT) $122.98 PER MONTH 1 PERSON
CELL PHONE : NO
SAT TV : NO
INTERNET : NEIGHBORS (FREE)
CLOTHES : UNIFORM (HAD TO BUY MYSELF), 3 PAIR OF UNDERWEAR, 3 PAIR OF SOCKS, 1 PAIR OF JEANS, 2 PAIR OF SHORTS, 1 PAIR OF SHOES 2 YRS OLD. (SHOES ARE WASHED EVERY 6 MONTHS)
WELFARE : DO NOT QUALIFY (WAS TOLD I MAKE TOO MUCH MONEY)
MEDICAID : DO NOT QUALIFY (NO KIDS, I AM NOT DEAF DUMB OR BLIND / AGAIN, WAS TOLD I MAKE TOO MUCH MONEY)
STUDENT PELL GRANT MONEY : +699.87 PER 12 WKS

RUNNING TOTAL : $ - 484.61 EVERY MONTH EVEN IF I GOT PELL GRANT MONEY BACK EVERY MONTH.

FEEL BETTER YET ABOUT YOUR LIFE?

Ya know, come to think of it, I really am poor. This country is a joke and no body can survive like this. Thank god I have an adopted mother and father who love me enough to help me out with bills from month to month. I look forward to the day I die. You wanted "CHANGE?" YOU GOT IT! OH WAIT, THERES NO CHANGE LEFT OVER FOR WORKING CLASS LOWER CLASS INDIVIDUALS! If I was smart I would move out of America " THE GREATEST LAND IN THE WORLD".
 Quoting: NC MATH CORRECTION 1052160


You make $110 a week for full time work? That has got to be a mistake.
InterMezzo

User ID: 1336169
Netherlands
10/16/2011 04:52 PM

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Re: Why don't you do the math before you tell these kids to not borrow money-- or get a job!
I still see people fighting in convincing eachother that they are wrong instead of finding things that we all have in common in today's society.

Fact is that today's society has become more individualistic and materialistic than say 30/40 years ago. Community sense has been replaced by fear, mistrust and society of sanctions. "If you don't do this, than that will happen.."

Fact is that there are not half as many jobs available as there were 30 years ago. Technology has taken over a lot of human labor, so there are far more people applying for the same job now than 30/40 yrs ago.

Fact is that wages for the same job have not kept track with the rising cost of living. In fact, today's newcomers for a job that paid well in the past, will most likely get paid far less than newcomers in the same job 30/40 years ago (percentage wise of course.) All under the excuse of companies needing to cut costs in order to survive.

Fact is that a lot of people do not want to do dirty basic jobs, like cleaning, for small wages, so companies hire foreigners. To say that they steal your job is a poor excuse for yourself not wanting to do that job.

Fact is that the younger generation is stimulated to get at least a degree or go to university in order to "be able to build a better life than previous generations." All that leads to is companies hardly being able to fill for instance lower technical positions in production and an overkill of well educated, deep in debt, highly qualified people for way to little higher ranked positions. Result is more unemployment in those fields.

Fact is that companies do not see their people as added value, but as costs. First cuts are often cuts in people, leading to more pressure on the remaining crew, less commitment, higher sick leave rates, more stress related family dramas and a increasing split up of society between working and not working, rich and poor. Also leading to people being less willing to stand up for eachother, because who knows, they may be next in line to get laid off.

Fact is that people are more affraid to look eachother in the eye and make a joke to a complete stranger than 30 yrs ago, affraid that the other might get it wrong and start a fight.

You all have valid points in this discussion, but trying to convince eachother that way will not solve the problems we are facing.

Basic point is that if this society of young and old, companies and employees and people in general do not start working together to face this downswing, in a couple of years, there will be no other society left, but a cold, dark one without empathy, in which only the right of the most powerful counts. That goes for people as well as companies.

We all can name a thousand threats, but those who go for solutions are the ones that stand out. Open your eyes and respect the other's opinion, work together and go from solutions and opportunities instead of the easy path of threats and fear.
 Quoting: InterMezzo


Oh and one more thing. I don't understand why this thread is only karma pinned and not regular pinned, like it should.

Last Edited by InterMezzo on 10/16/2011 04:59 PM
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Anonymous Coward
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United States
10/16/2011 04:54 PM
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Re: Why don't you do the math before you tell these kids to not borrow money-- or get a job!
the Toyota Yaris is a damn fine vehicle (everyone has them here)

they cost $20k here but only $13k in the US--brand new

plus, cheap as chips on gas

OP said $18k will get you a piece of shit?

you need to think outside the box a bit
 Quoting: Anonymous Coward 664728


I laugh because the only thing you people can attack on the first post in that fact that you can get a car cheaper than $18,000.


Ok people you win. Now the math says you might have shit paid off and out of debt when you are 79 instead of 80 something.

I already explain what I mean't by Piece of shit. Cars are not made to last anymore. They make them fail and have problems on purpose so you have to get a new one or buy parts. They make them so you can't work on them period!!!
I doubt any car made today will last 30 years. So that means you must budget this in and if you kept a car 15 years, your value of that car is almost nothing.


The point of the thread was to show that these kids and most folks don't have a chance.

If you made your money, good for you, but if you had to try now you would be screwed. Be thankful and quit talking shit.

You all are posting negative shit like
"Get a Job"
"Live in Your means" etc

To "live in your means" is an old expression. It would mean never going into debt and only buying what you can afford. I already showed you this was almost impossible. You borrow you are owned. You don't borrow you are also a slave and owned.


If you don't agree then prove how someone gets ahead.
Show why these kids are bums.
Give an example in detail on how to get around the math and become great like you. How to take on NO DEBT, NEVER HAVE PROBLEMS IN LIFE, ALWAYS KEEP A JOB, ETC.

And I am not talking about the B.S. walked in snow uphill to school shit.
 Quoting: BigNutChuck


I didn't have the money for college. Was making 30k when I was 21 (1986). Used credit, lived month to month. Continued in my career moving up in salary until I was at 100k (1994). Still living on credit. Started my own business and began making real money. Paid off all my debt and live debt free making a very nice living. What other numbers do you want?
Anonymous Coward
User ID: 1825763
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10/16/2011 04:56 PM
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Re: Why don't you do the math before you tell these kids to not borrow money-- or get a job!
I could never afford a four year college.

I had to go to a two year community college, which I had to repay loans on after I graduated. Not too easy. I had to
work a full and two part time jobs for 5 years to pay it back.
I think that those who can afford a bachelors degree are very fortunate, or not afraid to take a risk if they borrowed money to get that degree.
Play it safe, take on debt you can repay, and do not rush into a degree that offers no guarantee of employment.
We aren't all senators son's after all....
Anonymous Coward
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10/16/2011 04:59 PM
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Re: Why don't you do the math before you tell these kids to not borrow money-- or get a job!
AMEN to the OP! And your figures were very much on the lowside. Starting salaries in my neck of the woods are 28k for a decent job, but all the expenses are much higher. I really don't know understand how anyone can criticize this movement when things are so dire.

Here is my situation--I have a 4 year degree in education, but due to budget cuts the school system in my area is hiring a very minimal amount of new teachers. I have been looking for a job in another field (mostly clerical--$12/hour work) and have probably applied for over 50 positions and so far heard nothing.

The only reason that I'm even looking for a job is because food prices have gone up so much that we can't afford to live on one income any longer (I've been a stay at home mom since my kids were born). I guess I picked a terrible time to get back into the workforce.

Anyway, just wanted to say kudos to the OP for bringing awareness to these issues!
 Quoting: mcjen99





(I've been a stay at home mom since my kids were born).

Here is the problem. YOU had kids before you were financially prepared, and I see KIDS, so you have more than one you can't afford. Let me guess, W.I.C., Foodstamps, Earned Income Tax Credit so you get money back at Income Tax time each year, LHEAP and all the rest of the government freebies out there for the taking? I bet you also have a late model SUV and a flat screen TV that you watch your cable or satellite on, and stay in touch with your smart phone. Yep, better put on your marching shoes and get to Wall Street with the rest of the whiners.
M-Class 25

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10/16/2011 05:02 PM
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Re: Why don't you do the math before you tell these kids to not borrow money-- or get a job!
They act like no one else goes through the same thing throughout time no less.

They are just so special.
Anonymous Coward
User ID: 3218991
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10/16/2011 05:02 PM
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Re: Why don't you do the math before you tell these kids to not borrow money-- or get a job!
I suggest you read THE RICHEST MAN IN BABYLON. You need it. It costs about $8. It was written back in the 1930s or so buy a guy named george Clayson.
 Quoting: Anonymous Coward 3218991
Hey, let's try using our brain for a couple fucking seconds.

Here's a quote from that book: "Make your gold work for you."

Do you know what that means? Basically it comes down to: NEVER DO ANY WORK. Either pay other people to make enough money to pay for themselves and to make your profits at the same time, OR loan out money at interest.

So by your FUCKING FALLACIOUS LOGIC:

Everyone should "Make their gold work for them", AKA, NO ONE SHOULD HAVE TO DO ANY WORK.

WE CAN'T ALL BE CEO'S ECONOTARD!!!

I hope you fucking lose whatever source of money you have, and all your credentials. Try it out bitch.
 Quoting: Anonymous Coward 3427039


Read the book. Educate yourself for a change. You're a fucking idiot and there is no escape from yourself until you learn some things. You're stuck on fucking stuuuupid.
 Quoting: Anonymous Coward 3218991
Wow, nice rebuttal, dumbass. Thanks, I'll just read your book on how to usurp people, until I become a usurper and then I'll just recommend the book to the people I learned how to take advantage of my whole life! Wow it's an evolution of the highest moral demand! God damn, I can't wait to see the state of the world my grandkids will inherit!

Oh my god, you realize you're fucking evil right? Has no body here even heard of compassion for the poor? You realize there's no free will right? Energy can neither be created nor destroyed? That little law of phsyics? Oh you lack intelligence I forgot. People are exactly how they have been conditioned to absolutely no fault their own. It's actually fucking physics. So poor makes poor and rich makes rich. And WOW. That's exactly how this is all playing out! Maybe it's the fucking systemic dichotomy that's the problem. Home of the free and equal? Yeah, I'm not there, but we will fucking come back, and you will fucking wallow.
 Quoting: Anonymous Coward 3427039


Only a financial loser could come up with such drivel. You are a failure and a loser. The poor don't have to stay that way in this country and if you can't succeed financially here, you'll be fucked no matter where you go.

Why would you think this is supposed to be the home of the equal? I don't want to be "equal" with some numb nuts dumbass loser like you. I understand productivity. You, clearly, have no idea what that is. Wallow in your failures. It's OK with me. I'm happy for you.
Anonymous Coward
User ID: 3218991
United States
10/16/2011 05:06 PM
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Re: Why don't you do the math before you tell these kids to not borrow money-- or get a job!
I still see people fighting in convincing eachother that they are wrong instead of finding things that we all have in common in today's society.

Fact is that today's society has become more individualistic and materialistic than say 30/40 years ago. Community sense has been replaced by fear, mistrust and society of sanctions. "If you don't do this, than that will happen.."

Fact is that there are not half as many jobs available as there were 30 years ago. Technology has taken over a lot of human labor, so there are far more people applying for the same job now than 30/40 yrs ago.

Fact is that wages for the same job have not kept track with the rising cost of living. In fact, today's newcomers for a job that paid well in the past, will most likely get paid far less than newcomers in the same job 30/40 years ago (percentage wise of course.) All under the excuse of companies needing to cut costs in order to survive.

Fact is that a lot of people do not want to do dirty basic jobs, like cleaning, for small wages, so companies hire foreigners. To say that they steal your job is a poor excuse for yourself not wanting to do that job.

Fact is that the younger generation is stimulated to get at least a degree or go to university in order to "be able to build a better life than previous generations." All that leads to is companies hardly being able to fill for instance lower technical positions in production and an overkill of well educated, deep in debt, highly qualified people for way to little higher ranked positions. Result is more unemployment in those fields.

Fact is that companies do not see their people as added value, but as costs. First cuts are often cuts in people, leading to more pressure on the remaining crew, less commitment, higher sick leave rates, more stress related family dramas and a increasing split up of society between working and not working, rich and poor. Also leading to people being less willing to stand up for eachother, because who knows, they may be next in line to get laid off.

Fact is that people are more affraid to look eachother in the eye and make a joke to a complete stranger than 30 yrs ago, affraid that the other might get it wrong and start a fight.

You all have valid points in this discussion, but trying to convince eachother that way will not solve the problems we are facing.

Basic point is that if this society of young and old, companies and employees and people in general do not start working together to face this downswing, in a couple of years, there will be no other society left, but a cold, dark one without empathy, in which only the right of the most powerful counts. That goes for people as well as companies.

We all can name a thousand threats, but those who go for solutions are the ones that stand out. Open your eyes and respect the other's opinion, work together and go from solutions and opportunities instead of the easy path of threats and fear.
 Quoting: InterMezzo


Fact is your "facts" aren't facts at all, but fucked up assumptions.

Fact is I have no intention of cooperating with left-tards. We're where we are BECAUSE of leftist ideology. The left needs to be defeated, not cooperated with.
Anonymous Coward
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10/16/2011 05:06 PM
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Re: Why don't you do the math before you tell these kids to not borrow money-- or get a job!
If you want to threaten that you'll come and take my wealth from me while I sleep then I encourage you to try. By all means, try.
 Quoting: TexasGirl
All that wealth you have, you have from either luck or inheritance. Period. I don't care what you think you or anyone you know may have done to feel like you can push other people away and make them work for you, which is all money really is. If you didn't put a house together with your own hands, if you didn't water the tree that you fashioned the boards from, if you didn't plant the seed that grew into that tree, then who are you to say you deserve anything? Let me tell you a story:

One day, a test came, and a kid with a very involved family came with 3 pushup pencils, and another kid was an orphan, and had nothing to write with. This pencil-less kid told the teacher, but the teacher was harsh and said he'd fail with nothing to grade. He asked the person with the 3 pushup pencils if he could have one, and the person told him no.

The kid failed his test, and failed his class, and failed his grade. This kid would end up with a poor reputation, poor outlook, and poor grades. I can almost smell the small kids now, in my mind, that were like this in my past. I remember these little kids who looked forward to their terrible school lunches. Maybe you were a preppy pos, and have no fucking clue what this is like.

Now this kid grew up, and had his own children. And he made a decent wage. When his child goes to school, will he be an involved parent. Hopefully.

But, here's the important part:

What would he tell his child to do if another child needs a pencil?
 Quoting: Anonymous Coward 3427039


No luck and no inheritence, hard work my friend. I grew up very poor. I lived with my grandmother and we had no car. She made $78/month in Social Security and that was how we lived. We got commodities from the government to eat. We had no car and walked several miles when we needed to go to town. We could never buy more at a grocery store than we could carry home and I couldn't carry much - she would have to stop and wait so I could rest because my small legs couldn't keep up. She said, "Just keep putting one foot in front of the other" when I could compain that I was too tired so don't you dare think I haven't been there.
 Quoting: TexasGirl
Then look what you've become you asshole. My dad delivered pizzas for my whole family, and we would go random funerals in the obituaries just to eat. So shut your fuckin shit up talkin like you don't give a shit about the poor. it's the poor's fault. You know what they say is worse than an enemy? A friend that became one.

She had one other message for me too. She said "You can be anything you want to be and you can do anything you set your mind to".Well, god damn, you shoulda turned right around and asked her, "Why did you deicide to be this?" You're doin that to us right now, aren't you, you little spoiled brat?

bullshit about drawingWow! You actually kept trying to draw something! You do realize that people only get good at something if they have the free time to be able to do it. I'm actually making a VIDEO GAME in my spare time to use for credentials when I will try to put my comp. sci. degree to use. But I would love to have SPARE TIME.... oh wait, what's that? I think I read earlier that you PAID PEOPLE TO WORK FOR YOU.

Wow you are so not lazy. I bet you do all the shit jobs, darlin, dont you?

I made it because I was willing to do what most people weren't. Everyone should have an opportunity and it's up to them what they make of it. They should indeed get the pencil.
"They should get the pencil"? Are you purposely failing to answer the question? If the father remembered how much compassion was not shown to him, and wants his priviledged son to NOT BE LIKE THAT, he will teach him compassion. SOMETHING YOUR PARENTS DIDNT DO FOR YOU
Anonymous Coward
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10/16/2011 05:06 PM
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Re: Why don't you do the math before you tell these kids to not borrow money-- or get a job!
You mean the decadent material fuel hungry american lifestyle is unsustainable. It took math to figure that out..

Surely you kid..

It puts a tear to my eye that some people cannot make enough to sustain the Starbucks and soda habits..

It's so horrible here.. I'm gonna go hold a sign and put up a tent, then when i'm hungry I'll put up a post on my occupy page and demand pizza from others...

I will oppose corporate power with one hand, and drink starbucks with the other.

I will complain about oil wars with my mouth, while pumping petroleum into my SUV.

Life is hard for me, and I need more extras to get through my day... I hate the rich filthy pig 1%, but I'll be damned if i Send a dime to a third world country with starving people who actually know what poverty and want are...
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10/16/2011 05:07 PM
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Re: Why don't you do the math before you tell these kids to not borrow money-- or get a job!
the Toyota Yaris is a damn fine vehicle (everyone has them here)

they cost $20k here but only $13k in the US--brand new

plus, cheap as chips on gas

OP said $18k will get you a piece of shit?

you need to think outside the box a bit
 Quoting: Anonymous Coward 664728


I laugh because the only thing you people can attack on the first post in that fact that you can get a car cheaper than $18,000.


Ok people you win. Now the math says you might have shit paid off and out of debt when you are 79 instead of 80 something.

I already explain what I mean't by Piece of shit. Cars are not made to last anymore. They make them fail and have problems on purpose so you have to get a new one or buy parts. They make them so you can't work on them period!!!
I doubt any car made today will last 30 years. So that means you must budget this in and if you kept a car 15 years, your value of that car is almost nothing.


The point of the thread was to show that these kids and most folks don't have a chance.

If you made your money, good for you, but if you had to try now you would be screwed. Be thankful and quit talking shit.

You all are posting negative shit like
"Get a Job"
"Live in Your means" etc

To "live in your means" is an old expression. It would mean never going into debt and only buying what you can afford. I already showed you this was almost impossible. You borrow you are owned. You don't borrow you are also a slave and owned.


If you don't agree then prove how someone gets ahead.
Show why these kids are bums.
Give an example in detail on how to get around the math and become great like you. How to take on NO DEBT, NEVER HAVE PROBLEMS IN LIFE, ALWAYS KEEP A JOB, ETC.

And I am not talking about the B.S. walked in snow uphill to school shit.
 Quoting: BigNutChuck


Dont go to college

get a job. Get a cheap apartment. with roommates if need be. save up a thousand dollars and get a used car.

there. No debt

you will always have problems in life. Dont fool yourself

No one has ever been guarenteed that their job will last. Do the best you can and prove that you are a valuable asset. They'll keep you as long as they can and put a good word out for you at future jobs

You allow yourself to be a slave to materialism. The things you own end up owning you. Break that mentality. You think freedom is something that can be given or taken away. It's not. Freedom is about how you interact with what you have. If you have to have more you will always be a slave
PCGEEK

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10/16/2011 05:09 PM
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Re: Why don't you do the math before you tell these kids to not borrow money-- or get a job!
My parents both dropped out of school when they were 17 and they both immediately got jobs with the government (with only a Grade 11 education). After working about 40 years, they both retired at the top of their respective fields and now draw around $300 thousand in iron-clad government pensions (plus perks). They are not particularly bright or ambitious (sheeple mentality); this kind of career track was the norm for government workers who hung in there, year after year.


I mention this brief history because that was then and this is now. If you dropped out of high school today, there would be no government job with all the perks waiting for you. In particular, the employment field has been altered drastically over the past 20 years, and not for the better. In some cases, wages have risen only a few dollars, remained stagnant, or even declined. After graduating university in the late 1980s, I started doing temp work at $12 to $16 per hour. The wages for that same job, more than 20 years later, are today around $10. In the late 1980s, a bachelor apartment was $250 to $300 a month. That same apartment is now around $1,200. We won't go into how food and every other cost has likewise exponentially risen.


Without credit or loans, people starting out today cannot survive unless they pool their resources, live four or five to a bachelor apartment, and work 80 hours a week. The "good" jobs are few and far between. Dropping out of high school and nabbing a cushy government job for life is simply no longer possible.


I feel sorry for the kids. I'm not surprised that most of them drink or smoke themselves into a stupor every night. We have created an unsustainable world, right across the board. There was a piece in my local news paper this morning about how retired professors at a local university earn their full salary as a pension until they die. The university is having problems paying the pensions (there's a shortfall of $270 million this year), which will then be paid by taxpayers. This is only one example.


My parents' generation have lived unrealistic, unsustainable lives and set unrealistic, unsustainable goals. In doing so, they've set themselves up nicely in a system that is ponzi by nature, but the scheme is now unraveling. This is a cold hard fact. Don't blame the kids. That they're only 'occupying', is a blessing. If I were 30 years younger, I'd be getting out the pitchfork.
 Quoting: Anonymous Coward 3413084


Very well said... its rough today. I bitch everyday about the shitty back breaking job I have. But it pays well and I try to stay positive. I dont think I would know what to do without a job. luckily my wife and I have lived within our means and we hopefully can ride this stuff out. HOPEFULLY!
Anonymous Coward
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10/16/2011 05:09 PM
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Re: Why don't you do the math before you tell these kids to not borrow money-- or get a job!
Fact is I have no intention of cooperating with left-tards. We're where we are BECAUSE of leftist ideology. The left needs to be defeated, not cooperated with.
 Quoting: Anonymous Coward 3218991
That's bullshit and you know it. What Obama bailed out the banks and car industry for, he coulda gave each citizen 16k in cash. Obama is left, my ass. Obama is a figurehead. Hello? I bet you believe the official story of 9/11 too huh? If 9/11 is a conspiracy, then stop playing the left right bullshit card. wtf is wrong with you dumbasses
M-Class 25

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10/16/2011 05:11 PM
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Re: Why don't you do the math before you tell these kids to not borrow money-- or get a job!
These same kids whining about jobs somehow find a way to pay that $100 cell phone bill, and god knows how many downloads on itunes.

They have no priorities other than "gimmie some more"
Anonymous Coward
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10/16/2011 05:11 PM
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Re: Why don't you do the math before you tell these kids to not borrow money-- or get a job!
Exactly right. Don't tell me what your bills are. Live within your means - period.
 Quoting: Anonymous Coward 3218991
Oh really? Well I was thinking about how I don't have enough money for food, and how I should just plant some crop. Oh, hey, everyone owns all the land around me, fuck, hey I guess I'm just gonna have to knock down your house and plant a fucking garden OR STARVE TO DEATH RETARD. We live in a system dumbass, a democratic system, and if people aren't happy, what do you think we're gonna do? Take it up our fucking asses? By god, we will fucking change shit, no matter how hard your fucking daddy worked. I'm working really fucking hard, right now, and your daddy is in my fucking way.
 Quoting: Anonymous Coward 3427039



THIS is why I have weapons and know how to use them. If and when it comes to the point that you change it so you can come and take my belongings under cover of government the shit will hit the fan. I repeat, THE SHIT WILL HIT THE FAN.
JZ

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10/16/2011 05:11 PM
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Re: Why don't you do the math before you tell these kids to not borrow money-- or get a job!
You mean the decadent material fuel hungry american lifestyle is unsustainable. It took math to figure that out..

Surely you kid..

It puts a tear to my eye that some people cannot make enough to sustain the Starbucks and soda habits..

It's so horrible here.. I'm gonna go hold a sign and put up a tent, then when i'm hungry I'll put up a post on my occupy page and demand pizza from others...

I will oppose corporate power with one hand, and drink starbucks with the other.

I will complain about oil wars with my mouth, while pumping petroleum into my SUV.

Life is hard for me, and I need more extras to get through my day... I hate the rich filthy pig 1%, but I'll be damned if i Send a dime to a third world country with starving people who actually know what poverty and want are...
 Quoting: Anonymous Coward 3202965



If you look at the numbers nothing about america is sustainable, I mean everyone thinks they need their own personal car, like its their freaking birthright. The material costs on that alone are disgusting.whatever
JZ
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10/16/2011 05:12 PM
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Re: Why don't you do the math before you tell these kids to not borrow money-- or get a job!


No one has ever been guarenteed that their job will last. Do the best you can and prove that you are a valuable asset. They'll keep you as long as they can and put a good word out for you at future jobs






Exactly right. This guy gets it.
Anonymous Coward
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10/16/2011 05:12 PM
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Re: Why don't you do the math before you tell these kids to not borrow money-- or get a job!
the Toyota Yaris is a damn fine vehicle (everyone has them here)

they cost $20k here but only $13k in the US--brand new

plus, cheap as chips on gas

OP said $18k will get you a piece of shit?

you need to think outside the box a bit
 Quoting: Anonymous Coward 664728


I laugh because the only thing you people can attack on the first post in that fact that you can get a car cheaper than $18,000.


Ok people you win. Now the math says you might have shit paid off and out of debt when you are 79 instead of 80 something.

I already explain what I mean't by Piece of shit. Cars are not made to last anymore. They make them fail and have problems on purpose so you have to get a new one or buy parts. They make them so you can't work on them period!!!
I doubt any car made today will last 30 years. So that means you must budget this in and if you kept a car 15 years, your value of that car is almost nothing.


The point of the thread was to show that these kids and most folks don't have a chance.

If you made your money, good for you, but if you had to try now you would be screwed. Be thankful and quit talking shit.

You all are posting negative shit like
"Get a Job"
"Live in Your means" etc

To "live in your means" is an old expression. It would mean never going into debt and only buying what you can afford. I already showed you this was almost impossible. You borrow you are owned. You don't borrow you are also a slave and owned.


If you don't agree then prove how someone gets ahead.
Show why these kids are bums.
Give an example in detail on how to get around the math and become great like you. How to take on NO DEBT, NEVER HAVE PROBLEMS IN LIFE, ALWAYS KEEP A JOB, ETC.

And I am not talking about the B.S. walked in snow uphill to school shit.
 Quoting: BigNutChuck


Dont go to college

get a job. Get a cheap apartment. with roommates if need be. save up a thousand dollars and get a used car.

there. No debt

you will always have problems in life. Dont fool yourself

No one has ever been guarenteed that their job will last. Do the best you can and prove that you are a valuable asset. They'll keep you as long as they can and put a good word out for you at future jobs

You allow yourself to be a slave to materialism. The things you own end up owning you. Break that mentality. You think freedom is something that can be given or taken away. It's not. Freedom is about how you interact with what you have. If you have to have more you will always be a slave
 Quoting: Anonymous Coward 1733180
What do you think an apartment is retard? That is a contractual act of money lending. Having a rent payment fall through will send you spiralling into debt. IT IS IMPOSSIBLE NOT TO BORROW FUCKTARDS
Anonymous Coward
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10/16/2011 05:12 PM
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Re: Why don't you do the math before you tell these kids to not borrow money-- or get a job!
You've been brainwashed!!!

Everyone should have a food, clothes and a home. No one should have to work for the basics to live.
 Quoting: Southernbella


 Quoting: FatalW1shes


That's the stupidest thing I've ever heard. Where does "the basics" come from? The government only has money because we work and give it to them in the form of taxes. If we give them all of our money and they in turn give us "the basics", why wouldn't we just buy our own "basics" with our own money? Are you too stupid to buy your own "basics"? Do you instead want to give the nanny your money so they can buy your "basics"?

I grew up DIRT poor, worked my ass off in school for good grades, was on my own at age 16 and graduated high school (knew I could not afford college) but got a job and continued to work my ass off. Now, I own a business and I do quite well because I was GIVEN the only thing I needed and it's called OPPORTUNITY. That's ALL you have a right to you spoiled stupid people.

If you don't have the will to get up and work your hardest everyday then blame your parents for not raising you right, it's not the responsibility of the government (my tax dollars) to pay for your "basics"
 Quoting: TexasGirl




Well said, Texasgirl. You're exactly right.
 Quoting: Anonymous Coward 3218991


I agree with part of what was said above but the IRS has no right to take 75 cents out of every dollar I make because I'm self employed only to piss it away! This is why after 18 years of self-employment I still can't make it!
M-Class 25

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10/16/2011 05:13 PM
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Re: Why don't you do the math before you tell these kids to not borrow money-- or get a job!
Fact is I have no intention of cooperating with left-tards. We're where we are BECAUSE of leftist ideology. The left needs to be defeated, not cooperated with.
 Quoting: Anonymous Coward 3218991
That's bullshit and you know it. What Obama bailed out the banks and car industry for, he coulda gave each citizen 16k in cash. Obama is left, my ass. Obama is a figurehead. Hello? I bet you believe the official story of 9/11 too huh? If 9/11 is a conspiracy, then stop playing the left right bullshit card. wtf is wrong with you dumbasses
 Quoting: Anonymous Coward 3427039


And that 16K would have already been blown and they would already be crying for 100k now.

You can have a good life in America on what most college graduates now think is not enough for them to even consider.

It's sickening.
Anonymous Coward
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10/16/2011 05:13 PM
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Re: Why don't you do the math before you tell these kids to not borrow money-- or get a job!
Op, thanks for stating the truth.
Anonymous Coward
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10/16/2011 05:14 PM
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Re: Why don't you do the math before you tell these kids to not borrow money-- or get a job!


No one has ever been guarenteed that their job will last. Do the best you can and prove that you are a valuable asset. They'll keep you as long as they can and put a good word out for you at future jobs


 Quoting: Anonymous Coward 3218991




Exactly right. This guy gets it.
Um, no he's not. I was the best bus boy in my last resteraunt for over a year, and the manager was a closet homosexual. He made an advance on me on a club one night, and I confronted him about it, and he fired me for insubordination. So, yeah, fuck you. We are pawns. Time to fuckin see the light, before your eyes get burned out of your sockets.
Anonymous Coward
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10/16/2011 05:14 PM
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Re: Why don't you do the math before you tell these kids to not borrow money-- or get a job!
You mean the decadent material fuel hungry american lifestyle is unsustainable. It took math to figure that out..

Surely you kid..

It puts a tear to my eye that some people cannot make enough to sustain the Starbucks and soda habits..

It's so horrible here.. I'm gonna go hold a sign and put up a tent, then when i'm hungry I'll put up a post on my occupy page and demand pizza from others...

I will oppose corporate power with one hand, and drink starbucks with the other.

I will complain about oil wars with my mouth, while pumping petroleum into my SUV.

Life is hard for me, and I need more extras to get through my day... I hate the rich filthy pig 1%, but I'll be damned if i Send a dime to a third world country with starving people who actually know what poverty and want are...
 Quoting: Anonymous Coward 3202965



If you look at the numbers nothing about america is sustainable, I mean everyone thinks they need their own personal car, like its their freaking birthright. The material costs on that alone are disgusting.whatever
 Quoting: JZ



Nothing is sustainable under the left's agenda. capitalism needs to be fostered, not squashed.
Anonymous Coward
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10/16/2011 05:18 PM
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Re: Why don't you do the math before you tell these kids to not borrow money-- or get a job!
Fact is I have no intention of cooperating with left-tards. We're where we are BECAUSE of leftist ideology. The left needs to be defeated, not cooperated with.
 Quoting: Anonymous Coward 3218991
That's bullshit and you know it. What Obama bailed out the banks and car industry for, he coulda gave each citizen 16k in cash. Obama is left, my ass. Obama is a figurehead. Hello? I bet you believe the official story of 9/11 too huh? If 9/11 is a conspiracy, then stop playing the left right bullshit card. wtf is wrong with you dumbasses
 Quoting: Anonymous Coward 3427039


And that 16K would have already been blown and they would already be crying for 100k now.

You can have a good life in America on what most college graduates now think is not enough for them to even consider.

It's sickening.
 Quoting: M-Class 25
Actually, that is such a stupid assumption. Right, like, EVERYONE WOULD JUST BLOW IT. Right... Trust me, what sample are you looking at? Because money doesn't fall in people's laps across the board. Basing human behavior off of idiots who buy lotto tickets is RETARDED.

I have 2 brothers. That would have been 80,000 dollars for me and my brothers. We already would have had a business going with that kind of money.
Anonymous Coward
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10/16/2011 05:18 PM
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Re: Why don't you do the math before you tell these kids to not borrow money-- or get a job!
the Toyota Yaris is a damn fine vehicle (everyone has them here)

they cost $20k here but only $13k in the US--brand new

plus, cheap as chips on gas

OP said $18k will get you a piece of shit?

you need to think outside the box a bit
 Quoting: Anonymous Coward 664728


I laugh because the only thing you people can attack on the first post in that fact that you can get a car cheaper than $18,000.


Ok people you win. Now the math says you might have shit paid off and out of debt when you are 79 instead of 80 something.

I already explain what I mean't by Piece of shit. Cars are not made to last anymore. They make them fail and have problems on purpose so you have to get a new one or buy parts. They make them so you can't work on them period!!!
I doubt any car made today will last 30 years. So that means you must budget this in and if you kept a car 15 years, your value of that car is almost nothing.


The point of the thread was to show that these kids and most folks don't have a chance.

If you made your money, good for you, but if you had to try now you would be screwed. Be thankful and quit talking shit.

You all are posting negative shit like
"Get a Job"
"Live in Your means" etc

To "live in your means" is an old expression. It would mean never going into debt and only buying what you can afford. I already showed you this was almost impossible. You borrow you are owned. You don't borrow you are also a slave and owned.


If you don't agree then prove how someone gets ahead.
Show why these kids are bums.
Give an example in detail on how to get around the math and become great like you. How to take on NO DEBT, NEVER HAVE PROBLEMS IN LIFE, ALWAYS KEEP A JOB, ETC.

And I am not talking about the B.S. walked in snow uphill to school shit.
 Quoting: BigNutChuck


Dont go to college

get a job. Get a cheap apartment. with roommates if need be. save up a thousand dollars and get a used car.

there. No debt

you will always have problems in life. Dont fool yourself

No one has ever been guarenteed that their job will last. Do the best you can and prove that you are a valuable asset. They'll keep you as long as they can and put a good word out for you at future jobs

You allow yourself to be a slave to materialism. The things you own end up owning you. Break that mentality. You think freedom is something that can be given or taken away. It's not. Freedom is about how you interact with what you have. If you have to have more you will always be a slave
 Quoting: Anonymous Coward 1733180
What do you think an apartment is retard? That is a contractual act of money lending. Having a rent payment fall through will send you spiralling into debt. IT IS IMPOSSIBLE NOT TO BORROW FUCKTARDS
 Quoting: Anonymous Coward 3427039


Ok. So instead of using that 1000 dollars you saved to buy a car, get a van instead and live in it. A home on wheels that you dont owe anyone for. you can go wherever gas will get you. can't get more free than that

You wouldn't do that though would you? Dont nobody want to choose between having a bed and a sweet entertainment center
Anonymous Coward
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10/16/2011 05:19 PM
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Re: Why don't you do the math before you tell these kids to not borrow money-- or get a job!


No one has ever been guarenteed that their job will last. Do the best you can and prove that you are a valuable asset. They'll keep you as long as they can and put a good word out for you at future jobs


 Quoting: Anonymous Coward 3218991




Exactly right. This guy gets it.
 Quoting: Anonymous Coward 3427039
Um, no he's not. I was the best bus boy in my last resteraunt for over a year, and the manager was a closet homosexual. He made an advance on me on a club one night, and I confronted him about it, and he fired me for insubordination. So, yeah, fuck you. We are pawns. Time to fuckin see the light, before your eyes get burned out of your sockets.


I don't believe you. If you'd been there that long, you'd know how to spell the word.

Moreover, if you really knew the first thing about bussing tables, the "RESTAURANT" owner across the street would hire you in a heartbeat.

I'll bet you weren't smart enough to think of that.
Anonymous Coward
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10/16/2011 05:19 PM
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Re: Why don't you do the math before you tell these kids to not borrow money-- or get a job!
This is why I just love these get a job people. And these you should pay cash for a house and car people.

Let say a kid gets out of college with a degree and finds a job or jobs. Right now 40,000 a year would be huge for most to find and probably very unlikely for a graduate, but we will use this number.

So after taxes, ss, state tax if you have one, medical, dental, life, medicare etc

Your bring home is about 1300-1200 every 2 weeks
This is 2600-2400 a month.

Ok letís pay some bills.

Monthly

Rent 750-Very modest guess. All know some will lower,higher
Car 200- very low cheap car.
Car insurance 100 for decent
150 electricity-- very low for most
50 for gas if you have it.
100 for vehicle gas.

No cable or internet cause we don't want to live to great.
No cell phones because we can't afford this luxury.


Groceries
400 a month.

This is not eating out at all or getting anything from quicky mart. This is very modest considering prices now.


So we are at 1750. From 2600 using the high number this leaves us about 850, but wait. We went to college.

So since we didn't come from rich parents we have to pay for that. Let's say we go to a small cheap school and work part time to pay the room and board.

2000 a semester. Very low price compared to 90%

4 years of school. By the way it is almost impossible to get a 4 year degree anymore, especially while working.

So 4000 a year x 4 years is 16000.


16000 is about a 400 payment a month on student loans.


Now we are up to 2150 - 2600 leaves us about 450 extra.

We are not including any movies, out to eat, up keep on car, pops-candy, lawn care for rent house, medical bills for co-pay, etc.


Hell we will round it up to a big $500 a month extra. Now letís start saving so we can pay cash and not borrow.

First we need a house and car.

Modest house 150,000. NO LAND besides lot and this probably doesn't exist in price in most places.

So $500 a month savings = $6000 a year.

So it will only take 25 years to save cash for a house at this price.
But wait--in 25 years that house will cost twice that because of inflation.
So 50 years.


Ok letís get a car.
3 years = 18000 which will buy a piece of shit. These cars normally last 5 years maybe a little more, and they are worth shit nothing when you try to sell them back.

So we get a trade in for $6000 after seven years with the first car we bought. We have to buy a car every 7 years at 18,000.

We will need around 4 cars for the next 28 years, first one being bought for full price. 18000 + 12000 + 12000 + 12000

Hell this is only $54,000. That is another 9 years of saving on top of the 50 for the house. Plus we only figured the cars for 28 years not counting inflation.

So with the math if we started when we are 22 we might have enough cash for a house and keep our cars paid for in cash by the time we are 80 or more.

We won't be able to retire or afford anything else, but by God WE WONíT BE BUMS.


So all you people saying that you pay cash for all your shit and are not in debt are either full of complete shit or came into money somewhere. I suspect most of you got your cash from your momma and you are the true bums. Some of you might have worked your way up the ladder, but at what cost. Some might have built a successful business and are very lucky because if you tried that shit now you would be screwed.

Point being in this long ass post.

Quit blaming these kids. Go get a job is not going to fix shit and you know it. Do the math. Slavery is the end game and they got it.
 Quoting: BigNutChuck


My Financial life summed up COMPLETELY!!!...

I work in a Microbiology job, my wife works in HR, so, it works out the same with two people getting through it..

All these people saying "get a job", and etc. etc... are so completely detached from the state of things that it's amazing.

Ignorance is bliss I guess





GLP