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Students Need Not Take Out Loans Anymore For Education.

TheR 2011/10/27 13:13:23
The Road to Graduation
They should pay us to go to College. That becomes our job. It should not be about the poor student or student families who props up the University with borrowed money. It should be; how the University borrows the money to provide Students their job to go to their school.

This way the Money stays in the hands of the Institutions. It becomes the Universities obligation to assure students get jobs after graduation, or re-employ them for more schooling. Universities would only get the money if they get the students to work for them by going to their school.

The Federal Reserve provides the money to the Universities to pay the students to go to work for their University. This no longer is looked as Student Debt, but as Student Investment. It creates their job to be a student, and is supported as Students agree to make Federal Reserve their beneficiary.

How the Universities are able to repay the Federal Reserve, is their student workers take out Insurance Policies and pay the low premium fees each month while in school and after or whatever the time limit is. Upon it's time of maturity, the insurance is paid to the University in payment for the money the Federal Reserve provided the University for the students to work for them at studying in their University.

A Life Insurance Policy will work as well, but my idea is to create a New Student Education Job Insurance Policy, which students take out, to assure the University gets payment in kind for supporting the students Job as being a student attending their University or school of education.

This long term idea would bring real creditability to Accreditation, and to the meaning of being a Student who gets paid to go to a University. I am not for free education.

We the students should be paid to go. Then we need to determine how much a University is allowed to borrow to pay the students who go to work for them by studying at their University. This subjective number can be achieved by averaging cost ratio's across the country. I think this is how we should proceed.

This idea will change how we view Unemployment Statistics in the US. Students would be considered Employed, because the University is paying them to attend their Institution. With Low Unemployment Numbers in the Economy it brings greater confidence to the future, and this means better economic times.

And for the record this idea is a good idea to assure people have jobs in the future. Any work place/ small business/ even a job in Government can setup a plan to have employees come to work for them, if they take out this new idea Insurance Plan also called Employed Insurance Plan.

People are assured they will have good jobs and the money from the Insurance policy once it reaches its maturity date is paid to Employers after its time limit is reached..

Students need not take out loans any more for education, and people can have the security in knowing that they have a paying job for life. Presently the loan programs today in the United States put students highly indebted, creating a type of borrowed Welfare State Program. This needs to stop.

I have been fighting for this issue for 30 years now.


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  • JCD aka "biz" 2012/07/12 09:48:20
    JCD aka "biz"
    +1
    Great post. Thank you.
  • TheR JCD aka... 2012/07/12 12:03:40
    TheR
    +1
    Thank You.
  • TheR 2012/07/03 00:53:51 (edited)
  • aneed2know TheR 2012/07/12 09:19:58
    aneed2know
    +2
    you know after reading both of your links, i have to agree with 99% of what you said. I wonder how long the rest of us will put up with the situation the boomers left us in also. It was them that created the sub-prime mortgage markets, it was them that taught us greed is good, it was them who taught us we have achieved all we can in energy technology. Now as they sit reaping the rewards they stole from our generations and future ones they have the nerve now to tell us we must experience austerity, how dare they?

    I also wait till the moment when everyone will defy the "economic powers that be" and refuse to pay back inflated loans, made and based upon lies, when we all decide there is a better way and we take our future in our hands and decide we can do what ever we set our collective energies to achieve.

    To me that will be a happier moment then when my children were born, because it will mean that we as a country have truly grown up and i hope it happens world wide.
  • TheR aneed2know 2012/07/12 12:12:36
    TheR
    +1
    Thank You aneed2know.

    You might be interested in reading this.

    http://www.sodahead.com/unite...
  • TheR 2012/06/21 09:29:38
  • John Freeman 2012/05/09 03:50:07 (edited)
    John Freeman
    Just thought I'd share this-




    That was the short/sweet version, heres the long one- http://www.youtube.com/watch?...



    This evil **** has to be stopped ppl, wake up.
  • TuringsChild 2012/03/27 21:22:14
    TuringsChild
    +2
    Student loans are just the tip of the iceberg. You think you're in debt NOW??? Wait till that $15 TRILLION comes due! America now owes more than it makes. NO NATION has ever survived that situation. The Banksters just keep on robbing us, and all we do is continue playing their game. It's time for the Nation AND all of the People to cut up their credit cards and start living within their means. Then we can all tell the banksters to shove it where the sun don't shine.
  • TheR Turings... 2012/03/28 05:01:27 (edited)
    TheR
    +1
    Thanks and I agree. I trashed my credit cards a long time ago. In fact I consider Credit Cards are really Welfare handouts.

    http://www.sodahead....
  • TheR 2012/03/27 03:36:54 (edited)
    TheR
    http://www.sodahead.com/unite...

    Teachers should have the right to have their own classroom, with a small number of students to teach. This means 4-6 students per hour class session. This creates many more teacher jobs, and higher quality education. It is paid by parents for their children. Kids are more focused and can be individually helped. I find it a successful way to teach. Less problems, less stress, good money, and kids and teachers are happier. Less likely to have some nut kid come to school with a gun.

    Consider a class of 35kids, 1 teacher, is not helping anyone. Only the School who collects fees, and gives low salary's to the Teachers. Kids do not learn, and classroom bullying and trouble always breaks out. A class of 35 kids is really 7 classes for 7 new teacher jobs, each class having 5 students.

    It is paid by the New Student Education Job Insurance Registry. This is a new approach to funding education. Teachers join the SEJIR Association, and can qualify for loan money, which becomes their salary payment. This money is paid in increments monthly.

    All children are required to go to School. So they have according to their neighborhood, choices to whom will be their teacher. When students with parents enroll in the limited size number of students in a classroom plan, t...


















    http://www.sodahead.com/unite...

    Teachers should have the right to have their own classroom, with a small number of students to teach. This means 4-6 students per hour class session. This creates many more teacher jobs, and higher quality education. It is paid by parents for their children. Kids are more focused and can be individually helped. I find it a successful way to teach. Less problems, less stress, good money, and kids and teachers are happier. Less likely to have some nut kid come to school with a gun.

    Consider a class of 35kids, 1 teacher, is not helping anyone. Only the School who collects fees, and gives low salary's to the Teachers. Kids do not learn, and classroom bullying and trouble always breaks out. A class of 35 kids is really 7 classes for 7 new teacher jobs, each class having 5 students.

    It is paid by the New Student Education Job Insurance Registry. This is a new approach to funding education. Teachers join the SEJIR Association, and can qualify for loan money, which becomes their salary payment. This money is paid in increments monthly.

    All children are required to go to School. So they have according to their neighborhood, choices to whom will be their teacher. When students with parents enroll in the limited size number of students in a classroom plan, they take out an Education Insurance Policy.

    Parents pay the low monthly premiums each month for as long as the children stay in school. When the student finishes and graduates the Education Insurance Policy pays back the Bank the salary loan that was provided the teacher. The teacher pays for electric and mortgage of their classroom, and other essentials. The students buy their own books, or computer fee.

    Parents would benefit because Parents could go back to School as well. And this is where the good news comes in. Higher Education Students are paid to attend a University. This means no more loans strapped to families for endless school debt.

    My idea is that Students should be paid to attend a place that offers Higher Education. This means Universities or their affiliates are Jobs in getting their Diplomas. They are paid to go there for work.

    http://www.sodahead.com/unite...

    Universities take out loans to pay them to come to their Campus or Affiliate. When students come they sign up for the Student Education Job Insurance Registry.

    Depending on how many classes a student takes determines how much the University pays that student. And students must do well in passing their class requirements. Students must pay the SEJI Registry monthly. Parents can use their money from enrolling in school to pay for their children SEJI that attend the smaller size classes.

    The University having taken out the Loans has enough to pay teacher salaries. Those loans are backed up by the SEIJ Registry. When the Policy matures the loan money is paid back.

    This Educational Financial Cycle changes the Job employment status across the country, putting people back to Work and in School at the same time. And it creates a real means to paying for it.

    This model can also be used for other Business Plans, and would be a better idea than the present Government Failed Model.
    (less)
    (more)
  • TheR 2012/03/20 04:06:57
    TheR
    Cost of education can ruin parents
    03-19-2012 12:57 BJT
    Text:A A A |Email
    |
    BEIJING, March 19 (Xinhuanet) -- Arecent audit at Dickinson State University in the United States will have made uncomfortable reading for parents in China.
    Over the last four years, according to the audit, the college in North Dakota had issued diplomas to 400 foreign students despite their failure to complete the required coursework.
    http://english.cntv.cn/201203...

    Roughly 95 percent of these students were Chinese.
    It was just one of several controls "waived or intentionally overridden or ignored" by DSU, according to the audit, which has again cast a spotlight on the risks families face in paying out huge sums to have their children educated overseas.

    Such investments often create what sociologists call "the new urban poor".
    "Parents are surrendering their last resources to wager them on a child's future by sending them abroad," said Lao Kaisheng, an education policy researcher at Capital Normal University. "If these children don't get the decent jobs and the salary that is expected, their parents will naturally be sucked into poverty."
    Ministry of Education data show that more than 330,000 people nationwide went abroad for study in 2011, making China the largest supplier of students to Western sc...


























































    Cost of education can ruin parents
    03-19-2012 12:57 BJT
    Text:A A A |Email
    |
    BEIJING, March 19 (Xinhuanet) -- Arecent audit at Dickinson State University in the United States will have made uncomfortable reading for parents in China.
    Over the last four years, according to the audit, the college in North Dakota had issued diplomas to 400 foreign students despite their failure to complete the required coursework.
    http://english.cntv.cn/201203...

    Roughly 95 percent of these students were Chinese.
    It was just one of several controls "waived or intentionally overridden or ignored" by DSU, according to the audit, which has again cast a spotlight on the risks families face in paying out huge sums to have their children educated overseas.

    Such investments often create what sociologists call "the new urban poor".
    "Parents are surrendering their last resources to wager them on a child's future by sending them abroad," said Lao Kaisheng, an education policy researcher at Capital Normal University. "If these children don't get the decent jobs and the salary that is expected, their parents will naturally be sucked into poverty."
    Ministry of Education data show that more than 330,000 people nationwide went abroad for study in 2011, making China the largest supplier of students to Western schools.

    The desire to send offspring to schools overseas has existed for decades, although today it is largely fueled by the belief that it gives youngsters an advantage in the tough domestic employment market.

    However, not many Chinese families have enough saved in the bank to cover the tuition fees and accommodation and living expenses involved in overseas study potentially hundreds of thousands of yuan. Instead, many are choosing to take on massive debt at a critical time in their own life.

    It is a gamble, experts say, and the stakes are high.
    "People need to think over the input and potential output, as well as the risks that any investment brings," said Zhang Jianbai, who runs a private school in Yunnan province and is a self-proclaimed "explorer" of new education models.
    He said that parents in small cities across his southwestern province, many of whom earn just 2,000 yuan ($320) a month, often sell their apartments to fund their children's study overseas.

    "Those who are now suffering trouble (owning property is important in Chinese culture) or financial difficulties would not have been in this position had they chosen a more suitable way to educate their children," he added.
    Differences in quality

    After graduating from the university in his native Guangdong province two years ago, Wang Jianhai was sent to Texas to get a master's degree, which his family believed would give him an edge in the job market.
    His father worked at an electronics factory in Zhuhai and earned more than 10,000 yuan a month, so the adventure was not a great financial burden. However, after his return, 26-year-old Wang was no better prepared to find work.

    Even his English skills had not improved, he said, as "we stayed with other Asians most of the time".

    Eventually, his parents had to invest more money to help their only son eke out a meager living by running his own electronics store.
    "He hasn't earned a penny back for us, even though we've taken care of him for 26 years, while other people his age might have earned more than 200,000 yuan by now," said his 66-year-old father, who did not want to be identified.

    "We could have had a decent life after retirement with our savings, but now we've painted ourselves into a tight corner," he added bitterly.
    Wang said his father has had to quit his favorite hobbies swimming and rock climbing to save money. He added: "It's not just the lack of money, the feeling we're now poor makes me really ashamed when I'm with friends."

    Although parents see an overseas education as a shortcut to success, experts argue that very few truly understand the vast differences in quality that exist among colleges in developed nations.

    "The quality of the schools is varied, from heaven to earth," said Lao at Capital Normal University.

    In the United States, for example, one of the most popular destinations for Chinese students, options stretch from world-renowned Ivy League universities, such as Harvard or Yale, to about 3,000 community colleges. There are also many diploma mills, which require very little or even no academic study.

    Zhou Rong, a senior advisor at New Oriental Vision Overseas Consulting, said that although every student dreams of going to a prestigious college in the US, many fall victim to diploma mills.
    She provides guidance to at least 300 students every year and said only one or two academic stars will make it into an Ivy League college, with rest enrolled in common or even "nameless institutes".

    "Regardless of where they end up, ultimately the value of a diploma (in this country) has been undermined due to the sheer amount of people who pursue one," Zhang in Yunnan added. "It's extremely silly for someone to pay such a high price for a diploma."

    Looking abroad

    Despite the struggles being experienced by families and returned students nationwide, the demand for places at overseas colleges does not show any sign of abating.
    All 35 final-year students in a class at No 1 Middle School affiliated to Central China

    Normal University in Wuhan, Hubei province, have decided not to take the national college entrance exam in June; each has instead been admitted to a higher education institute in the US.

    Special classes for students applying to universities overseas have also become common at schools nationwide.

    Zhou Haoyu is part of such a class at Shanghai Yan'an High School. He said he has 21 classmates, which means one in every 18 final-year students is looking to go abroad.
    Education industry insiders say foreign colleges have become increasingly eager to profit from this trend among Chinese students, especially since the start of the financial crisis.

    "At international education fairs, which attract colleges from across the globe, any lecture or symposium about how to enroll Chinese students is guaranteed to get a full house," said Chen Danli, marketing manager at Aoji Enrollment Center of International Education, a consultancy service in Beijing.

    Zhou Xiaozheng, a sociology professor at Renmin University of China, said everybody knows Chinese parents are willing to spend money on their children, but he warned that those looking to benefit today are largely "second- and third-rate colleges that don't offer scholarships or subsidies".

    As with any investment, foregoing due diligence dramatically increases the risk of making a loss. That is why Yunnan principal Zhang Jianbai says it is essential for families to take a pragmatic approach, so as to prevent them from wasting money and ending up in debt.

    Parents need to be reasonable, he said, as well as "clear about what they expect from the study period mental development or practical skills".

    Personalities must also be taken into account, experts say, as not every youngster will be suited to the challenges of overseas study, which involves extra stresses such as coming to terms with language, lifestyle and culture differences, and requires a lot of self-discipline.

    Only by looking closely at the road ahead can parents avoid the pitfalls, Lao at Capital Normal University said.

    "Using money that had been intended to improve the living conditions of people in later years to make blind investments in education will ultimately be wasted," he warned.
    (more)
  • TheR 2012/03/14 12:21:58
    TheR
    http://www.wsws.org/articles/...

    The student debt explosion
    14 March 2012
    A report on student debt published March 5 by the Federal Reserve Bank of New York highlights the social disaster confronting young people in the United States.
    Amid mass unemployment, falling wages and rising tuition, more and more college graduates are unable to keep up with student loan payments. The report found that over one quarter of student loan borrowers are late on their payments, far higher than the 15 percent reported in earlier surveys.
    The total amount of student loan debt in the United States has mushroomed to $870 billion, surpassing the total level of debt on auto loans ($730 billion) and credit cards ($693 billion). Compared to other types of loans, moreover, student loan debt is concentrated in a smaller segment of the population. While 80 percent of the US population has credit card debt, only 15 percent has outstanding student loans. The burden on individuals is enormous, with the average student borrower owing $23,300.
    As tuitions have increased, so have the debt burdens taken on by students. The class of 2010 graduated with an average student loan debt of $25,250, up 29 percent from $19,646 for the class of 2006, according to the Project on Student Debt. Meanwhile, wages for colleg...












    http://www.wsws.org/articles/...

    The student debt explosion
    14 March 2012
    A report on student debt published March 5 by the Federal Reserve Bank of New York highlights the social disaster confronting young people in the United States.
    Amid mass unemployment, falling wages and rising tuition, more and more college graduates are unable to keep up with student loan payments. The report found that over one quarter of student loan borrowers are late on their payments, far higher than the 15 percent reported in earlier surveys.
    The total amount of student loan debt in the United States has mushroomed to $870 billion, surpassing the total level of debt on auto loans ($730 billion) and credit cards ($693 billion). Compared to other types of loans, moreover, student loan debt is concentrated in a smaller segment of the population. While 80 percent of the US population has credit card debt, only 15 percent has outstanding student loans. The burden on individuals is enormous, with the average student borrower owing $23,300.
    As tuitions have increased, so have the debt burdens taken on by students. The class of 2010 graduated with an average student loan debt of $25,250, up 29 percent from $19,646 for the class of 2006, according to the Project on Student Debt. Meanwhile, wages for college graduates have fallen. The hourly income for male college graduates age 23 to 29 fell by 11 percent in the last ten years, according to a report published last week by the Economic Policy Institute.
    An entire generation of young people is being ground down by a crushing burden of debt, their futures mortgaged to the Wall Street banks that are making billions off of the student loan racket. Under conditions where any hope for a decent-paying, secure job depends on attaining a post-high school degree or specialized training, the plight of today’s youth recalls that of the indentured servants of old.
    Banks have responded to the rise in defaults by becoming even more ruthless in collecting debts. The New York Federal Reserve reported that two thirds of bankruptcy lawyers it surveyed said debt collections by student loan providers have become more aggressive in the past year and a half.
    While the employment situation confronting college graduates is bleak, the job prospects for those without a college degree are even worse. The Economic Policy Institute study found that for males without a college degree, wages have fallen by 25.3 percent since 1979.
    Among the many campaign promises President Obama has broken is his promise to provide student loan relief. Obama has done nothing to halt, let alone reverse, the staggering debt burden on students.
    The token measure he announced at the end of 2011 as he began to gear up his reelection campaign, lowering the income-based repayment option on federal loans from 15 percent to 10 percent, covers only a fraction of student borrowers. It excludes bank loans and does nothing to lower the principal on loans. Nor has Obama done anything to reverse the steady decline in student aid.
    On this, as on every other question, the Democrats and Republicans rule out any measures that impinge on the profits and power of the banks. Any future prospects for the broad mass of young people are being sacrificed to feed the profit drive of the banks and increase the fortunes of the financial aristocracy.
    The clearest indicator of the health of a social system is the future it offers the youth. The inability of the present system to offer millions of youth anything but unemployment or dead-end, low-wage jobs, together with endless war and mounting political repression, demonstrates the complete failure of capitalism.
    The impoverishment of young people is part of a social counterrevolution being carried out against the working class as a whole. In fighting for a decent future, the youth must consciously link their fate to that of the entire working class and take up the struggle to build a mass socialist movement.
    It is to build this movement that the Socialist Equality Party is intervening in the 2012 elections, in opposition to Obama and both parties of big business. Our candidates, Jerry White for president and Phyllis Scherrer for vice president, are calling for the immediate abolition of all student loan debt.
    Our program declares that education is a basic social right, along with good-paying and secure employment. Every person must be guaranteed the right to education, from K-9 through to college, free of charge.
    To satisfy these basic needs, we call for the nationalization of the banks and corporations and their transformation into public institutions, democratically controlled by the working people. This will provide the basis for the rational and humane organization of economic life to meet social needs, rather than private profit, and establish social equality.
    We call on young people to take up the fight for this program and become actively involved in the campaign of Jerry White and Phyllis Scherrer.
    Andre Damon
    (more)
  • danila777 2011/10/27 19:59:57
    danila777
    +1
    what happened to working your way through college? Oh, I forgot you have no time for parties.
  • TheR danila777 2011/10/28 09:01:25 (edited)
    TheR
    +1
    Things are not the same. In those days College was not as expensive. And there were jobs. Now Colleges are much more expensive and there are no jobs. Face it College is work, that you make us pay for instead of paying us. You know the majority of students take out loans because they need support because it is impossible to be in school full time and work. The loan situation has gotten so bad that graduates can not find jobs to repay the loans. And so mock me, make up excuses, discredit a new means to moving our Education forward, while you sit back thinking you know what you're talking about. Clearly you don't, or we would not be in this bankrupt financial condition. Wake Up photo
  • danila777 TheR 2011/10/30 17:33:17 (edited)
    danila777
    I only finished my last degree 10 years ago, and I have a family and was running two businesses, while things might not be the same its not wise to get into debt that you can never pay period, and college was not that much cheaper back then. What I'm talking about is called responsibility, not many people have it now. It makes more sense to take only the classes that you can afford not get into debt. As for the economy finally the crap has hit the fan, and it was about time. You cannot spend yourself out of debt period any economic classes will tell you that, and all the government offices that put regulations in place that businesses cannot operate anymore, one thing that I learned in college and university is that government is good for you, it's not they just waste our money and do nothing but spend, spend, spend, you guys can blame corporate America all you want, while they are at fault somehow, the majority of the blame goes to the government.
  • TheR danila777 2011/10/31 10:04:18
    TheR
    +2
    The system is designed to make people go into debt. They make the student course load too high in order to be a full time student to qualify for aid. And if you have to work, it makes it even more difficult to do well. So people take the debt so they don't have to work in order to do well in school. Bill Clinton took signed out of Law Glass Stengal, which ended regulating Bank business, and this is when things fell off the cliff. When Corporate America uses Government to Bail out it's failed banks, we know that Corporate America is the blame. Not a hard equation to figure out. Worthless Degree s Photo
  • danila777 TheR 2011/11/01 05:52:17
    danila777
    +1
    but nobody is forcing you to get into debt.
  • TheR danila777 2011/11/01 10:52:42
    TheR
    +1
    They sure make us believe we need to go into debt to be successful. No body forces me to live in Debtville USA either.
  • aneed2know danila777 2012/07/12 09:24:57
    aneed2know
    how about you tell all of us a job that can be had on a part time basis that will pay for college tuition?
  • danila777 aneed2know 2012/07/12 16:39:39
    danila777
    Why work part time? You can only take 15 credits at a time and that gives you time to have a full time job. As for me I started working as a CNA in a nursing home, it paid 9.25 an hour and I could work double shifts on weekends and holidays, I did not have time to socialise and time for parties but hey it was fine with me. I have time now. I keep on telling my brothers and sisters work hard now and party later.
  • TheR danila777 2012/07/12 23:43:39
    TheR
    +1
    Professional Butt Wiper. Hey I know, I did it. 12 credits as full time is too much, but Colleges don't care about what students know, only what debt they are forced to consume to pay for their worthless diploma.
  • danila777 TheR 2012/07/13 03:04:59
    danila777
    Yes I was a professional butt wiper, that was some 20 years ago, and so what it brought money in and I did not have to go into debt at all.
  • TheR danila777 2012/07/13 03:35:13 (edited)
    TheR
    Well I was hired as Part-time but they had me working full-time, with no benefits. Also promised to help pay for becoming a nurse, and never did, so I quit. Everyone and circumstances are different. We should not assume a broad brush works for everyone. I for one now do not agree that nursing homes are a good thing. It is horror waiting for death. People should be able to stay in their homes, but thanks to the banking system crashing, everyone is being foreclosed, and forced to take Obama-care for Professional Butt Wiping Jobs, for a worthless diploma, so I can eventually be the one who's butt they wipe, in an old age nursing home? Thanks but no-thanks.

    Old Person getting diapers Photo
  • danila777 TheR 2012/07/13 03:54:59
    danila777
    +1
    I do not agree with nursing homes either, but I made the best of what I was dealt. I do not agree with people that put their parents in nursing homes because they are too busy to leave their life. In my view it's the children's job to take care of their parents since they took time out of their life to raise you. As for painting everyone with a wide brush, I'm pretty close to students I even have a study group in my house, I have children, brothers, sisters, nieces and nephews and their friends that come to me to help them and do research for them. I see what's important in their life, if asked why they do not get a job they ask me why should they work for minimum wage if they can get a credit card and pay it whenever they can. That is today's mentality. They laugh at my 14 year old daughter because she has a job walking the neighbours dogs, and one couple pays her to ride her bike for 1 hour with their daughter, she buys her own clothes and school supplies because wants to learn to be independent. As for having health insurance they gave me something called Blue Cross, it was as not having any at all, you had to ask permission to go to the doc. Then I got smart and called around and found a hospital that offered different types of insurance and for 50$ a month I had good insurance. I do not agree with the health care that Obama is trying to push on us, I'd rather go without.
  • aneed2know danila777 2012/07/13 04:45:11
    aneed2know
    you know i could go so many places with that, but i am going to just let your ignorance stay where it is. good bye and oh please dont come at me with some stupid ignorant , silly simplistic conservative talking point. I am leaving our debate without insults, but i promise you if you come back at me with a insult i will open up on you.
  • danila777 aneed2know 2012/07/13 04:50:04
    danila777
    Thank you for calling me stupid and ignorant simplistic conservative talking point as I am independent.
  • aneed2know danila777 2012/07/13 04:54:04
    aneed2know
    did i call you that, nope what i said is this "oh please dont come at me with some stupid ignorant , silly simplistic conservative talking point."

    And i also said, i will let your ignorance stand where it is, did not call you ignorant or i guess i should have said " your ignorance on this subject" my bad.
  • danila777 aneed2know 2012/07/13 15:43:56
    danila777
    You know, my simplistic ideas got me where I am with no debt at all, so in the end I'm still ahead.
  • TheR danila777 2012/07/14 01:03:52
    TheR
    +1
    Are you kidding me?

    You live in the USA, you have so much debt you will never be able to repay.
  • danila777 TheR 2012/07/16 01:28:27
    danila777
    I'm talking about mortgage, loans, credit cards.
  • TheR danila777 2012/07/16 03:20:38
    TheR
    Right! Mortgage, loans, credit cards, and National Debt.
  • danila777 TheR 2012/07/16 03:22:12
    danila777
    I only have National Debt and TAXES took care of the other ones.
  • aneed2know danila777 2012/07/14 04:26:37
    aneed2know
    well consider yourself lucky
  • AMERICAN.FREEDOM 2011/10/27 13:17:49
    AMERICAN.FREEDOM
    +1
    sue em for deceptive trade practices...womyns studies...pfft...you want fries with that

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