View Full Version : Student Loan Kings
Ultralight
6-6-18, 10:59pm
Yppej:
I created a thread where you are free to rail endlessly against student loan kings like me.
Let me get you started.
We're a bunch of elitist, bloated, self-absorbed, over-educated liberals who live off the backs of the working poor who we force to forgive us our loans for our masters' degrees in underwater basket weaving!
-UL
I already beat you to it by creating a thread called Regression in Public Policy.
And surely a liberal like you should call this Student Loan Monarchs so as not to exclude women. You wouldn't want double standards would you (like objecting to the polyandrous behavior of women in your atheist groups while engaging in polygamous behavior while you were married).
I am attaching some pics so you can see my life of luxury! Don't get too jealous!
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This was all my stuff (minus my car) when I moved into my own apartment in May 2016 (before that I was living with house mates). Even today I have little more than this. I did buy some more cookware and a love seat, for instance.
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This is my kitchen! Oh, the affluence!
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This is my in-home recreation facility! Spare no expense!
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This is my bedroom, where the magic happens!
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This is where my maid does my laundry.
And check out my hot rod sports car!
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We're a bunch of elitist, bloated, self-absorbed, over-educated liberals who live off the backs of the working poor who we force to forgive us our loans for our masters' degrees in underwater basket weaving!
-UL
When the alien overlords start demanding underwater baskets on pain of extinction, Yppej is going to feel very foolish.
Hey as someone with a degree in Recreation I take a bit of offense at the "underwater basket weaving" comment! That was always a tired joke when in college in the mid-80's and people started making fun of us "recreators". We had a class where we took turns teaching activities to some of the "sports medicine" students across the hall. I actually got permission to use the pool to teach basket weaving because you do have to keep the fiber wet in order to weave! Everyone about died laughing and I got extra points for creativity.:laff::laff::idea:
UL your kitchen is a lot nicer than mine.
UL your kitchen is a lot nicer than mine.
Prove it.
My countertops have gouges on the edges, cabinet doors are missing, etc. It has not been updated since 1950.
ApatheticNoMore
6-7-18, 6:58pm
I think my kitchen is nicer AND BIGGER, but while it's bigger is likely true, the nicer part is subjective (my building is probably 50s era so it's a different style than this more modern stuff, a different style which I prefer). Really apartments are apartments pretty much. I was going to say I'm lucky I have two laundries and two dryers! But they are shared for the whole apartment building not just mine.
Yppej:
The more I think about it, the more I wonder why I am your whipping boy of "elitism."
Knowing where and how I live. Knowing about my job and my unremarkable salary.
Why me?
It does not make sense. Why not go after someone who is really, really rich? Someone born into a rich family?
Does it really come down to a few vacations I took while in the PSLF program?
Seems... no offense... rather petty and even misdirected.
My original comment was that you won't be paying down 37% of your debt within a matter of months. This has been since confirmed. It will take you 7 more years and significant public subsidies although your income is well above the national median for a single person of $29K. It's reverse Robin Hood behavior, which wouldn't be hypocritical if you didn't espouse liberal views.
My original comment was that you won't be paying down 37% of your debt within a matter of months. This has been since confirmed. It will take you 7 more years and significant public subsidies although your income is well above the national median for a single person of $29K. It's reverse Robin Hood behavior, which wouldn't be hypocritical if you didn't espouse liberal views.
Do you know how much my payment would be per month without the income-based repayment (which is part of PSLF)?
It would be about $1,600 a month, perhaps more. I have not had it calculated in a long time.
I get about $2,500 a month in take home pay.
So if I paid the unassisted payment I would have $900 a month left.
What do you think about that Yppej?
Teacher Terry
6-8-18, 10:15am
This is why so many people have defaulted on their student loans because their would be no money left after paying that amount.
This is why so many people have defaulted on their student loans because their would be no money left after paying that amount.
And yet, if someone buys too much house or too expensive vehicles or incurs too much credit card debt we think they over extended themselves. Why are student loans different?
Teacher Terry
6-8-18, 10:57am
They are not different at all. I think because people often are so young when they go to college they haven’t thought out the consequences of when they graduate. I am not saying that they shouldn’t pay either but you have to live too. Those loans follow you forever and they garnish some of your SS if you still have them in retirement.
ApatheticNoMore
6-8-18, 10:58am
And yet, if someone buys too much house or too expensive vehicles or incurs too much credit card debt we think they over extended themselves. Why are student loans different?
we may think whatever we want, however quite independent of what we think, they have legal access to bankruptcy if all such cases which is a way to default on their loans (with conditions).
Teacher Terry
6-8-18, 10:59am
Student loans can not be discharged in bankruptcy. That law was changed a while back.
Student loans can not be discharged in bankruptcy. That law was changed a while back.
That is true, I heard that lawyers would go to law school and then know the laws well enough to declare bankruptcy.
I appreciate the PSLF program. I think it is fair that we offer our work at a non-profit type rate in exchange for 10 years. 10 years is a significant investment in serving the public good.
iris lilies
6-8-18, 12:55pm
Can we expect those discharged from 10 years of servitude to then go out on the open market in private industry and nab well paying jobs? They would be doing a public good to open up their position to other indentured servants, and also could pay back into the tax base what they used.
Or even better, they could start up successful companies to employ people, generating wealth for our country.
We shall see if that happens. What do ya’ll think?
oh this reminds me: one of our young relatives is a physician and lives in a $500,000+ house with a stay at home spouse. And grounds. And a pool. One family member was, on her behalf, complaining that she has to pay some sort of tax bill when her student loans are forgiven. I dont know what exactly is the tax issue, but I do know a whining attitude of outrage accompanied the information. To be fair, she herself was not complaining, it was a SJW on her behalf.
privileged spendy pants + sniveling complainy pants=annoyance to Iris
Teacher Terry
6-8-18, 1:21pm
It seems reasonable to me that she pay the tax on her loans. She got a great deal.
iris lilies
6-8-18, 1:25pm
It seems reasonable to me that she pay the tax on her loans. She got a great deal.
Do you think UL and Zoe got great deals?
Teacher Terry
6-8-18, 1:38pm
Sure they did. However, they have much less earning potential then the doctor does but both chose to take out the loans. That is why we paid cash as we went. My DH worked a lot of overtime to make that happen.
Can we expect those discharged from 10 years of servitude to then go out on the open market in private industry and nab well paying jobs? They would be doing a public good to open up their position to other indentured servants, and also could pay back into the tax base what they used.
Or even better, they could start up successful companies to employ people, generating wealth for our country.
And a pool. One family member was, on her behalf, complaining that she has to pay some sort of tax bill when her student loans are forgiven. I dont know what exactly is the tax issue, but I do know a whining attitude of outrage accompanied the information. To be fair, she herself was not complaining, it was a SJW on her behalf.
privileged spendy pants + sniveling complainy pants=annoyance to Iris
I would love to start a company or business when I am done. I am not sure that I would have the option of going into hiring earning public sector actually. By the time I am done my career experience will have me set in this career. I am more than willing to take the risk of starting a company as long as I have a reasonable business and back up plan. One idea is to start an after school programming company with my experience, that gives me a chance to put my beliefs in action by paying a fair wage and supporting staff.
As far as the tax bill, I may have that situation and I am not arguing it. You still get a great deal by exchanging public service for the balance to be forgiven. I have had times I didn't plan very well and ended up on a payment plan for taxes. They got paid, I figure if I am on the liberal side then I should be okay with paying my taxes after all.
Here is just a simple article about student loan and forgiveness. Always subject to change at any time but helps to aid in planning. (the IRS website was not very helpful.) https://www.usnews.com/education/blogs/student-loan-ranger/articles/2017-11-08/know-the-tax-implications-of-eliminating-student-loans
This is why so many people have defaulted on their student loans because their would be no money left after paying that amount.
I don't know how the private loans work, as all mine are public. So that is what I will talk about.
But if you cannot afford your monthly payment (as is very often the case) you fill out some paperwork and they put you on income-based repayment. So my $1,600 monthly payment was thereby brought down to about $300 a month.
If you lose your job they will suspend payments as long as you tell them you lost it. Or if you lose your job and get a much lower paying job you can get your payment amount adjusted even lower. You just have to do the paperwork.
So defaulting on your public student loans requires a lot of negligence.
You can even make your payments 14 days late with no penalty. And most of us get a year or two worth of delays where you can simply stop paying or not pay for a year, again, as long as you do the paperwork.
And yet, if someone buys too much house or too expensive vehicles or incurs too much credit card debt we think they over extended themselves. Why are student loans different?
I don't think student loans are necessarily different in the sense you are saying.
But if someone buys too much house or car the items can be repossessed. An education cannot be repossessed (yet!).
Buying a Ferrari is seen as a luxury. Education is seen as an investment in your future career and such, usually. The sports car seems even more frivolous than the underwater basket weaving degree.
Can we expect those discharged from 10 years of servitude to then go out on the open market in private industry and nab well paying jobs? They would be doing a public good to open up their position to other indentured servants, and also could pay back into the tax base what they used.
Or even better, they could start up successful companies to employ people, generating wealth for our country.
We shall see if that happens. What do ya’ll think?
oh this reminds me: one of our young relatives is a physician and lives in a $500,000+ house with a stay at home spouse. And grounds. And a pool. One family member was, on her behalf, complaining that she has to pay some sort of tax bill when her student loans are forgiven. I dont know what exactly is the tax issue, but I do know a whining attitude of outrage accompanied the information. To be fair, she herself was not complaining, it was a SJW on her behalf.
privileged spendy pants + sniveling complainy pants=annoyance to Iris
Iris:
I actually plan to leave my public service job literally the day I get my letter of forgiveness (if it ever happens). Someone else can jump in there for the PSLF. I have said from day one I will leave when my loans are forgiven. I will have done my tour of duty!
But much like I lack the talent and ability to be a concert pianist, I lack the ability to create some successful business.
I plan to just get some laid-back, non-serious job and live my minimalist life, preferably on a coastal state. But I am also open to going back to work for the unions (if they still exist then), if I need the money and benefits.
I would love to start a company or business when I am done. I am not sure that I would have the option of going into hiring earning public sector actually. By the time I am done my career experience will have me set in this career. I am more than willing to take the risk of starting a company as long as I have a reasonable business and back up plan. One idea is to start an after school programming company with my experience, that gives me a chance to put my beliefs in action by paying a fair wage and supporting staff.
I luff ya, ZG, but please reconsider this.
Do you know how much my payment would be per month without the income-based repayment (which is part of PSLF)?
It would be about $1,600 a month, perhaps more. I have not had it calculated in a long time.
I get about $2,500 a month in take home pay.
So if I paid the unassisted payment I would have $900 a month left.
What do you think about that Yppej?
I think you could have looked at other options such as refinancing the debt or spreading out the payments over more years. What do people not on your gravy train do when they cannot make the payments?
You say you drive a beater and live in a small apartment. Surely you can pay more than $300 a month. Lots of people pay more than that for a car payment. You can pay more instead of jetting around the world, you just don't want to. Did you pay for your conpanion's travel expenses also?
I think you could have looked at other options such as refinancing the debt or spreading out the payments over more years. What do people not on your gravy train do when they cannot make the payments?
You say you drive a beater and live in a small apartment. Surely you can pay more than $300 a month. Lots of people pay more than that for a car payment. You can pay more instead of jetting around the world, you just don't want to. Did you pay for your conpanion's travel expenses also?
Tell me how refinancing would help. I am curious.
Which gravy train of mine are you talking about? My amazing $49k a year job or serving the public for ten years in a job I have no desire to do in order to get a portion of my loans forgiven?
Income-based repayment is available to all those who have public student loan debt. The delays are also available to them.
You could pay more taxes. You could send the struggling Zoe Girl some cash too. Why don't you? Maybe you should pay the Canadians some extra taxes for giving you such a great education.
And of course I don't want to pay more than $300 a month.
I did not pay my ladyfriend's travel expenses. She makes significantly more money than me, has several retirement vehicles, and an excellent pension plan too. She has a house and car too. She is way ahead of me when it comes to career and money. She is quite a bit older than me though too.
Consolidate, extend the term, get a better rate, whatever applies.
How long would it normally take to pay off $170,000 at $300 a month? 47.22 years, not 10. And that is with no interest being charged. So we are talking 50+ years with the interest. There's your gravy train.
Even if there were no interest charged, that would be $3600.00 a year.
I give your friend credit for not hopping on your gravy train.
Consolidate, extend the term, get a better rate, whatever applies.
How long would it normally take to pay off $170,000 at $300 a month? 47.22 years, not 10. And that is with no interest being charged. So we are talking 50+ years with the interest. There's your gravy train.
Even if there were no interest charged, that would be $3600.00 a year.
I give your friend credit for not hopping on your gravy train.
1. I already did consolidate, back in 2011.
2. After consolidating I now have a fixed rate.
3. Why would I extend the term?
4. "Whatever applies?" This shows you really have no idea what you are talking about. I have already done what applies and it seems to displease you very much.
5. I think that you gripe at me on this internet forum because you have no power. You know that you are a powerless person. You are upset with me, vehemently upset with me, over my $49k a year job and my Public Service Loan Forgiveness program that our government (both Dems and GOP created and implemented). I am an easy target. You have no power to go after the real barons -- like the CEOs and the power elite. Instead you bust my chops. You are like the kid who gets a beat-down from their step-dad, but since you are powerless to him you go and kick the dog. The dog is the easy target. This is a sign that you need to work on your character as a person.
Don't fight against my benefits. Fight for your own. I'd probably be willing to march right alongside you.
My ladyfriend got her degree later in life, and actually has a little bit of student loan left, not much. She did not have that much student debt. But she only got to a BS degree. I have a BS, MA, and MLIS.
She is actually very wary of men using her for her money and resources. This has happened to many of her female friends and female relatives. She calls guys that leech off women "busters." And she is always on the lookout for busters so she won't get busted by them.
I am wary of people who leech off the government/taxpayers.
I am wary of people who leech off the government/taxpayers.
Do you think I am leeching?
Call me delusional, but I like to think of us as a community. As fellow community members, we should be kind to one another and supportive of one another. If everyone who has ever made a bad financial decision goes away, there probably won't be anyone left.
I was able to pay for college with my part-time job and while living under my parents' roof. I was lucky that tuition was so much more affordable at the time and that my parents were willing to support me through college. We all have had a mixed bag of privileges and disadvantages, and we all most likely can tell a tale of good life choices and bad. That's the stuff that our individual histories are made from and the stories behind how we got where we are today. Let's exercise a little tolerance. I know I've said this before, but if I want to just hear thoughts and opinions that perfectly match my own, I can talk to myself in the mirror. I come here to enjoy some different perspectives and experiences.
She did not have that much student debt. But she only got to a BS degree. I have a BS, MA, and MLIS.
Sounds like you wasted the taxpayers money. She has two fewer degrees than you and makes more although you have white male privilege on your side.
Yppej:
I created a thread where you are free to rail endlessly against student loan kings like me.
Let me get you started.
We're a bunch of elitist, bloated, self-absorbed, over-educated liberals who live off the backs of the working poor who we force to forgive us our loans for our masters' degrees in underwater basket weaving!
-UL
Well RR this was the whole purpose of this thread.
Sounds like you wasted the taxpayers money. She has two fewer degrees than you and makes more although you have white male privilege on your side.
Let me ask you this: What percentage of my success is attributed to my white privilege? What percentage is attributed to my male privilege? And what percentage is due to my talent and hard work?
What sort of solutions would you suggest for offsetting the white male privilege of men like me?
Sounds like you wasted the taxpayers money.
From what I gather on here it sounds like you wasted your life, and now you pay the price with your petty bitterness.
Let me ask you this: What percentage of my success is attributed to my white privilege? What percentage is attributed to my male privilege? And what percentage is due to my talent and hard work?
What sort of solutions would you suggest for offsetting the white male privilege of men like me?
You wrote previously about watching an upcoming sports game while on the job, so we can rule out hard work.
You wrote previously about watching an upcoming sports game while on the job, so we can rule out hard work.
Come on. Give me some percentages. Give me some ideas. You really got nothing, huh?
At my work lots of people listen to music or podcasts. I can log into MLB TV and listen to the game while working, especially when it is just data entry. But some work requires my undivided attention.
50/50/0
So you are saying 100% of my success comes from being male and white?
I can see how you would feel this way, considering how you were so profoundly discriminated against for being female.
I'm just not seeing the talent and the hard work, so I defaulted to the other two options. It seems like the performance bar is pretty low at your job, and you said your fellow grad students had no interest in that job.
Yppej:
I am wondering how close you are to leaving this forum...
This ain't my first rodeo. ;)
If you don't like my posts, why did you create a thread just for me?
iris lilies
6-8-18, 9:50pm
...
What sort of solutions would you suggest for offsetting the white male privilege of men like me?
We solved this on another thread, well Ldahl did. You pay a tax for your whiteness and your maleness. Rob has to pay it, too. He is white and male. Of course Alan will be paying it because he pays for everything.
I only have to pay the white tax, and I get a discount because I am old. Ageism ya know, we must offset that.
I'm just not seeing the talent and the hard work, so I defaulted to the other two options. It seems like the performance bar is pretty low at your job, and you said your fellow grad students had no interest in that job.
What do you presume talent and hard work look like?
My classmates in graduate school did not want the first job I got after graduation, which was strategic research for a labor union. These jobs were plentiful at the time. Librarian jobs were not.
I was open to doing non-traditional information work and I was geographically flexible. So I got a $34k a year job. 3.5 years later I was up to $59k. I got several merit raises.
But my classmates wanted to be librarians proper.
When I finished high school I went to work for about four years. I worked in a factory, a warehouse, in residential construction, in pizza delivery, and a couple other lines of work. Sometimes I worked more than one job and would pick up a class here and there in community college too.
I had a very hard time in community college and at the university because I was way behind in required reading and deficient in using microsoft office and my public speaking was totally horrible.
So when I was able to get into University of Toledo at 23 I asked a professor to help me learn to use microsoft office and help me write. He helped me and I thanked him and to this day speak highly of him (even though he is a conservative, haha).
To make up for being behind in reading I would read voraciously and widely in the summers. I also checked out every documentary in the university's video library. I was watched a dozen a week or more. I need to increase me knowledge and critical thinking skills.
I managed to finish my BS, though my grade cards were sometimes a mixed bag.
But I was academically prepared for graduate school. I was awarded the most prestigious fellowship at the University of Alabama in my first year of graduate school. I was subsequently given two graduate assistant positions and an additional scholarship. I finished both my masters' degrees with a perfect 4.0.
If you don't like my posts, why did you create a thread just for me?
I am having fun with you here. I enjoy this.
How did get through the University of Alabama and not turn into a sports fan?
How did get through the University of Alabama and not turn into a sports fan?
I was not interested in this lifestyle experiment then.
Also, I was focused on other things -- like my academics and Southern women.
iris lilies
6-8-18, 9:58pm
What do you presume talent and hard work look like?
My classmates in graduate school did not want the first job I got after graduation, which was strategic research for a labor union. These jobs were plentiful at the time. Librarian jobs were not.
I was open to doing non-traditional information work and I was geographically flexible. So I got a $34k a year job. 3.5 years later I was up to $59k. I got several merit raises.
But my classmates wanted to be librarians proper.
When I finished high school I went to work for about four years. I worked in a factory, a warehouse, in residential construction, in pizza delivery, and a couple other lines of work. Sometimes I worked more than one job and would pick up a class here and there in community college too.
I had a very hard time in community college and at the university because I was way behind in required reading and deficient in using microsoft office and my public speaking was totally horrible.
So when I was able to get into University of Toledo at 23 I asked a professor to help me learn to use microsoft office and help me write. He helped me and I thanked him and to this day speak highly of him (even though he is a conservative, haha).
To make up for being behind in reading I would read voraciously and widely in the summers. I also checked out every documentary in the university's video library. I was watched a dozen a week or more. I need to increase me knowledge and critical thinking skills.
I managed to finish my BS, though my grade cards were sometimes a mixed bag.
But I was academically prepared for graduate school. I was awarded the most prestigious fellowship at the University of Alabama in my first year of graduate school. I was subsequently given two graduate assistant positions and an additional scholarship. I finished both my masters' degrees with a perfect 4.0.
UL, I sincerely hand you kudos for the stretch you made in academics. That is sn accomplishment for which you can be proud.
Ultralight
6-8-18, 10:02pm
UL, I sincerely hand you kudos for the stretch you made in academics. That is sn accomplishment for which you can be proud.
Thanks. I still have typos though! haha
Ultralight
6-8-18, 10:47pm
Yppej:
Is the fun over for tonight?
This exchange illustrates what Anais Nin said about how we don't see the world as it is, we see it as we are.
Rather than bitterness and resentment over the gifts I haven't been given, and searching out objects for envy and blame, I prefer gratitude for what I do have. It's better for the digestion.
Yppej:
Let me ask you a very serious question. Knowing all you know about me and my situation, what do you think would be a proper penance for my multiple transgressions against society/taxpayers? I am straight, white, male, and in debt to like $170k in student loans, I have a "cushy" government job, and I have traveled to a dozen countries.
No penance needed, just pay back the $170K.
No penance needed, just pay back the $170K.
So I am absolved of my whiteness and maleness? Bold move. Very charitable.
What about interest?
I would waive the interest. What is your principal balance at this time? Divide it by 40, then divide that by 12. You can probably make the monthly payments if you stop jetting around the world. You may need to work until you are 78, but it's office work not hard physical labor. You can handle it. I work with several people in their 70's.
Ultralight
6-9-18, 10:01am
I would waive the interest. What is your principal balance at this time? Divide it by 40, then divide that by 12. You can probably make the monthly payments if you stop jetting around the world. You may need to work until you are 78, but it's office work not hard physical labor. You can handle it. I work with several people in their 70's.
The principal was about $135k. Still think a few vacations makes any real difference?
Payments come to $281.25 a month. So you can pay it all back, you just have to pay for 40 more years. It is not that you cannot pay back your loans (even with interest added it would be a doable number) but that you do not want to.
Ultralight
6-9-18, 10:38am
Payments come to $281.25 a month. So you can pay it all back, you just have to pay for 40 more years. It is not that you cannot pay back your loans (even with interest added it would be a doable number) but that you do not want to.
1. Do you think it is reasonable to make me work until I am 78? I can assure you I would not and will not do this. If I have to work at that age then I will commit suicide long before that. Not worth it. I will take the 357 Retirement Plan. There is a reason we have things like social security and medicare. We don't want our senior citizens to work themselves literally to death. Now, you and a bunch of right-wingers might like the idea of old folks working until they die. But that offends me as person who cares about others.
2. I am paying my loans back, Yppej. I am doing so through a combination of public service and cash payments. If you don't like this policy, why not engage in some activism? Write your congresspersons. Tell them how you are tired of fat cats like me (a government worker who earns $49k a year and is enrolled in a ten year public service loan forgiveness plan) are taking such horrible advantage of tax payers. Get them to discontinue the program. Walk it like you talk it.
flowerseverywhere
6-9-18, 11:19am
I would waive the interest. What is your principal balance at this time? Divide it by 40, then divide that by 12. You can probably make the monthly payments if you stop jetting around the world. You may need to work until you are 78, but it's office work not hard physical labor. You can handle it. I work with several people in their 70's.
many people cannot work until their late seventies, even an office job. Some have dementia, some cannot drive, some have severe disabilities and many companies target older people as first to lay off or “downsize”. I have seen it happen twice when I worked in corporate America. When I left the workforce I could see how obsolete I was becoming even though I tried to stay current. Many of my friends have said the same,thing. Besides, if we have lots of people working until they are in their late seventies where will the young people work?
i don’t think a US area exists where the majority of people in their seventies and eighties are considered a dynamic and valuable member of the workforce.
Ultralight
6-9-18, 11:22am
many people cannot work until their late seventies, even an office job. Some have dementia, some cannot drive, some have severe disabilities and many companies target older people as first to lay off or “downsize”. I have seen it happen twice when I worked in corporate America. When I left the workforce I could see how obsolete I was becoming even though I tried to stay current. Many of my friends have said the same,thing. Besides, if we have lots of people working until they are in their late seventies where will the young people work?
i don’t think a US area exists where the majority of people in their seventies and eighties are considered a dynamic and valuable member of the workforce.
Yppej probably does not care about these very important points. Yppej seems blinded by a vendetta and bitterness.
Teacher Terry
6-9-18, 11:52am
Bitterness is poison to the soul and doesn’t hurt the other person.
iris lilies
6-9-18, 12:01pm
many people cannot work until their late seventies, even an office job. Some have dementia, some cannot drive, some have severe disabilities and many companies target older people as first to lay off or “downsize”. I have seen it happen twice when I worked in corporate America. When I left the workforce I could see how obsolete I was becoming even though I tried to stay current. Many of my friends have said the same,thing. Besides, if we have lots of people working until they are in their late seventies where will the young people work?
i don’t think a US area exists where the majority of people in their seventies and eighties are considered a dynamic and valuable member of the workforce.
I retired a bit early, age 60.immediately people in my circle of friends started suggesting little jobs I could do. Good god, why would I want to? But most importantly, who the hell would hire me? I said as much. One of my friends who knows my capabilities said “well you could consult, I am sure your skills are in demand!”
Hahahah, this is comical in sheer impracticality, I have nothing to offer! I am obsolete! And that is perfectly fine with me.
Teacher Terry
6-9-18, 12:39pm
I read that many seniors want p.t. Jobs but can’t get hired. I retired at 58 and did some consulting. I just sold all my tests so I won’t be tempted to continue. At 64 I am done with that. I was incredibly lucky that 7 months after retirement a job teaching my class literally fell into my lap. Although, I had the knowledge to teach the class I did not have the computer knowledge. I spent 40 hours/week figuring out the computer stuff and making notes. It was super hard but I really wanted to teach the class
flowerseverywhere
6-9-18, 12:41pm
Yppej probably does not care about these very important points. Yppej seems blinded by a vendetta and bitterness.
We all have different life experiences. As I approach age 70 instead of becoming more bitter and critical I am more compassionate than I ever have been. Because what is a better and more fulfilling way to go,through life? Criticizing and hoping people that are down and out are “punished” for bad luck or bad choices? Or being happy for everyone who works hard to the best of their ability. As the gap between the rich and the poor gets bigger with the tax cuts and attempts to slash social programs I think we will be seeing a great deal of sadness all around us if we open our eyes. Even people who work full time and really try their best might not be “successful”.
If the recent discussions about suicides have taught us anything, money is not the solution. Compassion and small attempts to help those who have not won life”s lottery, especially those who are contributing to the workforce and economy to the best of their ability only enriches your life and makes you happier.
flowerseverywhere
6-9-18, 12:45pm
I retired a bit early, age 60.immediately people in my circle of friends started suggesting little jobs I could do. Good god, why would I want to? But most importantly, who the hell would hire me? I said as much. One of my friends who knows my capabilities said “well you could consult, I am sure your skills are in demand!”
Hahahah, this is comical in sheer impracticality, I have nothing to offer! I am obsolete! And that is perfectly fine with me.
au contrere. You have a lot to offer around here and in your community work. Who else is going to virtually offer a down to earth honest slap upside the head?
Ultralight
11-8-19, 9:29pm
My original comment was that you won't be paying down 37% of your debt within a matter of months. This has been since confirmed. It will take you 7 more years and significant public subsidies although your income is well above the national median for a single person of $29K. It's reverse Robin Hood behavior, which wouldn't be hypocritical if you didn't espouse liberal views.
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