Read the loan. Understand the loan. Make sure you can and will be able to pay for the loan. Sign the loan. It's not rocket science.
No, but it is english and mathematics skills beyond the understanding of a significant proportion of the population. Remember the average IQ is around 100. Which puts an awful lot of the population on double digit IQs. And that doesn't mean they deserve to get shafted.
Education must of went downhill quite a bit since I was in school. Though I went to public schools all the way through high school, we were taught about finance. Heck in 9th grade in civics class the teacher had us play this game. We pretended we had $50,000 we could invest however we wanted and after a few weeks we evaluated our investment strategy.
When my father signed the loan for his house after ours burnt down he had no clue what was up this is because he had a massive stroke and my retarded aunt took him to sign it. I know he had to sign his name around 20x or so. The bank had no problem letting a guy with good credit and 20k down sign without fully understanding what he was doing. When your told you can buy a house for as much or less as renting one you'd jump at it. A couple years down the line all of a sudden your interest rates go through the roof and your paying an extra $150 then winter hits and you get gouged with sky rocketing natural gas prices and your on a fixed income your kinda fucked. I think banks should be required to have fixed interest loans. to stop that kinda BS.
You don't get an ARM unless that is all you qualify for or interest rates are too high. And if so then as soon as you can or interest drops you refinance with a regular mortgage.
Not for the owner, you're paying his mortgage. And profits. A mortgage only lasts so long, 15, 20, 25, or 30 years usually. After that all you pay is maintenance and property tax. However you still pay those when renting.
the same can be said about DDT. It's so unreactive, stable, and non-poisonous
If DDT is not poisonous then why in the world was it ever used? It was used as a pesticide because it is poisonous. However it is relatively stable, so it can bio-accumulate in the environment as well as in our food.
The Apollo moon missions launched us into the 1970s, not exactly the boom years of the American economy or culture. There was Watergate, Vietnam, stagflation, Arab Oil embargo, and 55MPH freeways.
The Vietnam War ended in the 1970s but it was started around 1955 by Eisenhower. Now Nixon was president when all the other stuff you list above happened.
All I know is, Obama refusing to spend billions on this government-run program proves once again that he is a socialist.:-)
If Obama did the opposite that's support Obama as a socialist. However other things such as health care have already showed socialism. If Obama only did with health care what he has in his space plan, partially privatizing it. The one power the federal government is granted by the Constitution of the USA is not used in the bill he signed. States still control who can and can not sell health insurance in the state. And what's ironic is that although the new law does not free interstate commerce, the interstate commerce clause is being used to justify the use of force to buy insurance.
I would also recommend becoming a fan of Make Magazine on Facebook.
That won't happen. I have not signed up for Facebook, Myspace, Tweeter, or any other social networking site in years. I haven't even signed up with Google for gmail or anything else. If I ever sign up for one it will probably be Google's Orkut.
Read datasheets. Look at National Semiconductor, TI, Maxim, Linear Tech. Most modern electronic stuff is made out of higher level building blocks, not individual parts.
For those who like them, tubes and more are still available.
I have wished for the past two years that I could find my old Radio Shack experimenter kit with the breadboard and spring connectors.
Yea, under my desk I have the Electronics Learning Lab. I've thought about giving it to one of my nieces. Heathkit had some good ones too. Now we have Make Zine and Craft Zine for makers and other Do It Yourselfers.
If you're going with Forrest Mims, go all the way and get his Electronics Learning Lab. From there check out MakerShed's Intro Electronics. Also check out, and subscribe to, Make Zine. You mention micro-controllers, they have a number of projects that will let you learn them. One I liked and thought about trying was Garduino: Gardening + Arduino. This project uses an Arduino controller to control how much light and water plants get.
Now the OP asked about ham radio and CB, the best thing there is to find a local amateur radio group and ask them about learning. I don't know if things have changed much, but the local groups I knew or heard of were willing to help new people. They even had free classes.
if you feel you have to lie to make up things to win the argument, go for it.
You hare the one who brought up bake sales, in this post.
You've stopped addressing the issue, and instead decided on quips that insult me is all you can muster. I'll take that as you conceding defeat.
You are the one who failed to address the issues, instead you release a lot of hot air, puff of smoke. You even admitted as much telling me to find the evidence to prove you wrong. Well I noticed when I did provide evidence, about sexual abuse by priest, you totally ignored it. You had to because you could not defend your position
You think that people buying at a bake sale demand a history of standardized test scores before considering whether to buy cookies?
AH, so you believe bake sales generate enough to keep bad schools open?
And in most cases, the fund raisers are run against the congregation anyway.
Yea, those who most know how bad a school is. Like most people don't know about throwing good money after bad.
You try telling a member of a church that the daycare there is bad. They won't believe it. Churches don't even believe their priests molest children even after they lose the court cases.
You have obviously not been paying attention to the news lately or you're incompetent.
The mediocre private schools get free land, free administrators, cheap teachers (often part-time people employed elsewhere in the church already), and have massive fund raisers to cover things not paid for in tuition.
Fund raisers for mediocre private schools? And who will donate to them? Don't you think people aren't discriminate about who they donate to? If such a school is worse than the local public school then why are the parents paying more when they could be sending their child to the public school and not have to pay more?
I'd say that the average student costs a school slightly more at a public school than a private one
Do you have data supporting this? I agree it is possible as private schools have to compeat whereas many public schools don't. But I don't know which is cheaper and more expensive.
And the results for average private school are worse than average public school where you select based on interested parents
And many colleges require a General Education Diploma if not a high school diploma. Capable students should be able to take advanced placement courses in high school to earn college credit. That's better than what a friend did. She dropped out of school in 10th or 11th grade then got her GED. The following year she started college.
Yes, there are some issues with the unions making silly rules for pay and making it hard to fire teachers, but they don't make it hard to reassign an incompetent teacher to study hall duty and replace them,
Maybe they don't make it hard to reassign incompetent teachers but that doesn't mean the school can afford to pay all the bad teachers as well as good ones. One incompetent teacher requires two people to be paid for the same job.
top private schools get three times the funding, and you are comparing public schools to private for things like vouchers, then you have to throw money at it first to get parity before drawing such comparisons.
Of course there are differences between comparing regular public and top private schools. How about comparing regular public and private schools?
Actually, at the education workshop I'm at right now, the consensus is that Boot Camps are the only thing that worked for a certain category of students.
Yea, for certain types but not for all. Where I would have been rebellious boot camp worked for my nephew.
The red herring is your argument. I never said all it takes was money. Quite the contrary, my first sentence to the post you replied to says "To solve America's education problems it will take more than just spending money."
No, just as many people would get killed. You have to go after the big players, most of them outsiders who sit in their castles, who fomented the thing in the beginning.
Any big players became irrelevant a long tyme before the genocide in Rwanda in 1994. European colonialism created Rwanda but Rwanda became independent on 1 July 1962. From that tyme on it was up to Rwandans themselves whether they'd live in peace.
If there was an economic interest(natural resources for example) in preventing the massacre
There are few natural resources in Rwanda to fight over. The "economy is based mostly on semi-subsistence agriculture by local farmers using simple tools."
No war has ever been fought on moral principles.
Half true, wars are never started for moral purposes. But the opposition can fight based on moral principles. Say against an invader. Or against genocide.
One of my teachers in college loves to say things like "Not all students will be A-Students. If you get a B in my class, you're doing just fine." Then he'd pile on the work so thick if you didn't spend every second of your free time reading up or studying some new technique, you couldn't pass, let alone get an A.
When I was in college we had 3 professors teaching calculus and we'd tell new students that if they wanted to know calculus they should take professor X. But if they wanted an "A" to take professor Z. A "C" in X's class was a "B" in professor Y's class and an "A" in Z's class. However X always said he didn't want students to remember formulas, instead he wanted students to learn how to solve for the formulas. He was the same in Physics.
There are a lot fewer "bad teachers" then there are bad parents.
I don't disagree, but it's disingenuous to overlook bad teachers and the unions that protect them.
In fact, in my experience on two school boards, the number of "bad teachers" is a lot smaller than you would think from listening to the Party of Glenn Beck.
Slashdot Mirror
Read the loan. Understand the loan. Make sure you can and will be able to pay for the loan. Sign the loan. It's not rocket science.
No, but it is english and mathematics skills beyond the understanding of a significant proportion of the population. Remember the average IQ is around 100. Which puts an awful lot of the population on double digit IQs. And that doesn't mean they deserve to get shafted.
Education must of went downhill quite a bit since I was in school. Though I went to public schools all the way through high school, we were taught about finance. Heck in 9th grade in civics class the teacher had us play this game. We pretended we had $50,000 we could invest however we wanted and after a few weeks we evaluated our investment strategy.
Falcon
When my father signed the loan for his house after ours burnt down he had no clue what was up this is because he had a massive stroke and my retarded aunt took him to sign it. I know he had to sign his name around 20x or so. The bank had no problem letting a guy with good credit and 20k down sign without fully understanding what he was doing. When your told you can buy a house for as much or less as renting one you'd jump at it. A couple years down the line all of a sudden your interest rates go through the roof and your paying an extra $150 then winter hits and you get gouged with sky rocketing natural gas prices and your on a fixed income your kinda fucked. I think banks should be required to have fixed interest loans. to stop that kinda BS.
You don't get an ARM unless that is all you qualify for or interest rates are too high. And if so then as soon as you can or interest drops you refinance with a regular mortgage.
Falcon
depression
Where did you get your PhD in Economics?
Falcon
Not for the owner, you're paying his mortgage. And profits. A mortgage only lasts so long, 15, 20, 25, or 30 years usually. After that all you pay is maintenance and property tax. However you still pay those when renting.
Falcon
the same can be said about DDT. It's so unreactive, stable, and non-poisonous
If DDT is not poisonous then why in the world was it ever used? It was used as a pesticide because it is poisonous. However it is relatively stable, so it can bio-accumulate in the environment as well as in our food.
Falcon
The Apollo moon missions launched us into the 1970s, not exactly the boom years of the American economy or culture. There was Watergate, Vietnam, stagflation, Arab Oil embargo, and 55MPH freeways.
The Vietnam War ended in the 1970s but it was started around 1955 by Eisenhower. Now Nixon was president when all the other stuff you list above happened.
1969 might have been the best year in my memory
At least it was better than 1968.
Falcon
All I know is, Obama refusing to spend billions on this government-run program proves once again that he is a socialist. :-)
If Obama did the opposite that's support Obama as a socialist. However other things such as health care have already showed socialism. If Obama only did with health care what he has in his space plan, partially privatizing it. The one power the federal government is granted by the Constitution of the USA is not used in the bill he signed. States still control who can and can not sell health insurance in the state. And what's ironic is that although the new law does not free interstate commerce, the interstate commerce clause is being used to justify the use of force to buy insurance.
Falcon
Did it provide immediate benefits that justified the cost? No.
Yes it did. One thing is we got Tang. Then of course there were longer range benefits as well, such as in medicine.
Falcon
I would also recommend becoming a fan of Make Magazine on Facebook.
That won't happen. I have not signed up for Facebook, Myspace, Tweeter, or any other social networking site in years. I haven't even signed up with Google for gmail or anything else. If I ever sign up for one it will probably be Google's Orkut.
Falcon
Read datasheets. Look at National Semiconductor, TI, Maxim, Linear Tech. Most modern electronic stuff is made out of higher level building blocks, not individual parts.
For those who like them, tubes and more are still available.
Falcon
Microcontrollers aren't needed for ham/CB radio. Having one can add some features though.
Falcon
I have wished for the past two years that I could find my old Radio Shack experimenter kit with the breadboard and spring connectors.
Yea, under my desk I have the Electronics Learning Lab. I've thought about giving it to one of my nieces. Heathkit had some good ones too. Now we have Make Zine and Craft Zine for makers and other Do It Yourselfers.
Falcon
Gettng Started in Electronics
If you're going with Forrest Mims, go all the way and get his Electronics Learning Lab. From there check out MakerShed's Intro Electronics. Also check out, and subscribe to, Make Zine. You mention micro-controllers, they have a number of projects that will let you learn them. One I liked and thought about trying was Garduino: Gardening + Arduino. This project uses an Arduino controller to control how much light and water plants get.
Now the OP asked about ham radio and CB, the best thing there is to find a local amateur radio group and ask them about learning. I don't know if things have changed much, but the local groups I knew or heard of were willing to help new people. They even had free classes.
Falcon
if you feel you have to lie to make up things to win the argument, go for it.
You hare the one who brought up bake sales, in this post.
You've stopped addressing the issue, and instead decided on quips that insult me is all you can muster. I'll take that as you conceding defeat.
You are the one who failed to address the issues, instead you release a lot of hot air, puff of smoke. You even admitted as much telling me to find the evidence to prove you wrong. Well I noticed when I did provide evidence, about sexual abuse by priest, you totally ignored it. You had to because you could not defend your position
Falcon
You think that people buying at a bake sale demand a history of standardized test scores before considering whether to buy cookies?
AH, so you believe bake sales generate enough to keep bad schools open?
And in most cases, the fund raisers are run against the congregation anyway.
Yea, those who most know how bad a school is. Like most people don't know about throwing good money after bad.
You try telling a member of a church that the daycare there is bad. They won't believe it. Churches don't even believe their priests molest children even after they lose the court cases.
You have obviously not been paying attention to the news lately or you're incompetent.
Falcon
The mediocre private schools get free land, free administrators, cheap teachers (often part-time people employed elsewhere in the church already), and have massive fund raisers to cover things not paid for in tuition.
Fund raisers for mediocre private schools? And who will donate to them? Don't you think people aren't discriminate about who they donate to? If such a school is worse than the local public school then why are the parents paying more when they could be sending their child to the public school and not have to pay more?
I'd say that the average student costs a school slightly more at a public school than a private one
Do you have data supporting this? I agree it is possible as private schools have to compeat whereas many public schools don't. But I don't know which is cheaper and more expensive.
And the results for average private school are worse than average public school where you select based on interested parents
Citation needed.
Falcon
I will happy when Americans realize outrage really doesn't help
Outrage doesn't help? Outrage helped end apartheid.
Falcon
It's called college.
And many colleges require a General Education Diploma if not a high school diploma. Capable students should be able to take advanced placement courses in high school to earn college credit. That's better than what a friend did. She dropped out of school in 10th or 11th grade then got her GED. The following year she started college.
Falcon
Yes, there are some issues with the unions making silly rules for pay and making it hard to fire teachers, but they don't make it hard to reassign an incompetent teacher to study hall duty and replace them,
Maybe they don't make it hard to reassign incompetent teachers but that doesn't mean the school can afford to pay all the bad teachers as well as good ones. One incompetent teacher requires two people to be paid for the same job.
top private schools get three times the funding, and you are comparing public schools to private for things like vouchers, then you have to throw money at it first to get parity before drawing such comparisons.
Of course there are differences between comparing regular public and top private schools. How about comparing regular public and private schools?
Falcon
Actually, at the education workshop I'm at right now, the consensus is that Boot Camps are the only thing that worked for a certain category of students.
Yea, for certain types but not for all. Where I would have been rebellious boot camp worked for my nephew.
Falcon
The red herring is your argument. I never said all it takes was money. Quite the contrary, my first sentence to the post you replied to says "To solve America's education problems it will take more than just spending money."
Falcon
No, just as many people would get killed. You have to go after the big players, most of them outsiders who sit in their castles, who fomented the thing in the beginning.
Any big players became irrelevant a long tyme before the genocide in Rwanda in 1994. European colonialism created Rwanda but Rwanda became independent on 1 July 1962. From that tyme on it was up to Rwandans themselves whether they'd live in peace.
If there was an economic interest(natural resources for example) in preventing the massacre
There are few natural resources in Rwanda to fight over. The "economy is based mostly on semi-subsistence agriculture by local farmers using simple tools."
No war has ever been fought on moral principles.
Half true, wars are never started for moral purposes. But the opposition can fight based on moral principles. Say against an invader. Or against genocide.
Falcon
1) Our military is all volunteer now; there's no draft, there's no plans for a draft.
There's no need for a draft, my nephew's serving his second tour of duty and when he reenlisted he got a $250,000 bonus.
4) The press isn't really covering the current wars in any useless fashion.
Do you mean "useful fashion"?
Falcon
Boy, $250,000? Use say $50,000 for a down payment on a house then invest the rest.
One of my teachers in college loves to say things like "Not all students will be A-Students. If you get a B in my class, you're doing just fine." Then he'd pile on the work so thick if you didn't spend every second of your free time reading up or studying some new technique, you couldn't pass, let alone get an A.
When I was in college we had 3 professors teaching calculus and we'd tell new students that if they wanted to know calculus they should take professor X. But if they wanted an "A" to take professor Z. A "C" in X's class was a "B" in professor Y's class and an "A" in Z's class. However X always said he didn't want students to remember formulas, instead he wanted students to learn how to solve for the formulas. He was the same in Physics.
Falcon
There are a lot fewer "bad teachers" then there are bad parents.
I don't disagree, but it's disingenuous to overlook bad teachers and the unions that protect them.
In fact, in my experience on two school boards, the number of "bad teachers" is a lot smaller than you would think from listening to the Party of Glenn Beck.
Who is Glenn Beck and what is his party?
Falcon