Pretty sure my palm had gestures as well, in the form of graffiti. The only thing apple did was add a second input for the gesture (pinch to zoom, etc).
I'm pretty sure forcing Palastinian Israelis to drive cars with different color license plates signifying their ethnicity is a textbook case of racial profiling. Just saying.
Psst, I am GP;) The source is http://nces.ed.gov/programs/digest/d07/tables/dt07_320.asp. The second column (in state public institution and required fees) is without room and board, which for for years is 11338 for 2006-2007 school year. The first column is with room and board, and comes out to 19232. I must have typo'd the original number, sorry about that.
You forgot to include FICA and social security, and federal/state/local taxes. That could consume up to a third of each 7.35 hour (excessive but just for estimation). This also relies on the student not having transportation costs or anything, so basically living up the street from a school. Otherwise you have to include gas, car insurance, car. The cost for room and board brings it up to just shy of 19.5k in 2007 costs, so it'd be well over 20k a year now.
Even if you could work 80 hours a week, imagine doing that with at the same time as a performance intensive courseload like your average CS or Engineering curriculum.
40$ a month for car insurance? You must have saved an obscene amount from switching to Geico. I've been driving for 10 years now, with a clean driving record, and I still spend close to 85$ a month for car insurance.
Ask your average high school junior year student what the difference between an adjustable rate student loan and a fixed rate student loan is. I think you'll be heavily disappointed in what students actually know about personal finance.
I'm able to make ends meet, so I'm not complaining that its crippling. I am saying that some people can be truly screwed by their circumstances with the amount of their student loans. I can pay my bills each month just fine. I just hate having a mortgage's worth of debt for the same piece of paper that someone else had. Sadly I couldn't go to a different school because you MUST submit a FAFSA (federal application for student aid) if you plan to use any kind of loan, and as mentioned, my parents refused to sign for any school other than the one they had hand picked.
Huh, I would have sworn those were included in the states where in state residents get most of their tuitions waived by state grant? Good info, thanks!
I think its honestly something that a lot of parents don't really know to begin with. If anything, if we wanted kids to start understanding, a personal finance course should be part of standard High school curriculum. We had economics, but no finance. Which is kind of weird when you think about it.
Your experience may be different depending on your state. Those are the numbers provided by the US government as the average across public 4 year universities. You're correct that there are some states where schools charge less (as mentioned, George is free for in state resident students), but there are also states which charge far more (Texas). Here is the source from NCES, it ends at 2007, where it was a little over $11000 without, and $19232 with room and board. The average has probbaly gone up a few thousand dollars since. Source of numbers: http://nces.ed.gov/programs/digest/d07/tables/dt07_320.asp
Apologies for the gross generalization:) I'm just tired of people trying to compare the relatively successful economy of the 1970's from their youths to the barren wasteland of today.
I think there needs to be some sort of screening done. Use actuaries, compare the chosen field of study to the chance of getting a job, and then factor that into whether or not someone can get a loan. Does it suck for people who are denied? Absolutely. But at least it avoids having them default on their loans for the rest of their lives.
Thank you:) I honestly am lucky that I did manage to build up a lot of skills while I worked through college, and I did get a job right out of school. Now I'm working as an engineer for a fortune 500, and should be looking at being entirely debt free in about 7 years if everything goes perfectly. I do have some spreadsheets thrown together (namely for budgeting), and I have an emergency account with 2 months worth of bills. Once I had my "oh crap, I am so screwed" moment I decided to get organize and make a plan. My girlfriend comes from a family of wealthy engineers, so maybe marriage is actually a good investment for me? Hahaha (don't tell her I said that!). I basically squirrel everything away that isn't weekly allowance so I can't touch it. Create false scarcity, you know?
I agree wholeheartedly with that point. Trade skills are huge moneymakers today, though when i was in high school there was a huge social stigma about being one of the "tech school kids." It was bad enough that most of the students who would have wanted to go didn't. It was kind of associated with "losers and idiots." Fair? Not at all. Correct? Not that either. But it was what it was. Does the same stigma still exist today?
Small private university which required on campus living, averaging $45,000 a year. The other 60000+ I got rid of by working 2-3 jobs through my education at all times.
All of my numbers are based on this document from the Census bureau. Average cost when you were in college was a little under $7000 a year, excluding room and board (you're 30, so I'm assuming you started school in 1998-1999). With room and board you'd be looking at an average of $12,000. Today (well in 2007, which was 4 years ago) you're looking at an average of 11034 without room and board, and 19232 with. What's scary is they went up consistently by about 300$ a semester through the first part of the 2000's, and then suddenly start increasing by 600-700-800$ a year.At that rate, i think you'd be hard pressed these days. If someone had to board at school, they'd be looking at a 50 hour workweek outside of class, and that's only if their wages were untaxed (imagining that the student was able to find a minimum wage job). We use minimum wage because college students are largely inexperienced, unskilled workers - the people who usually work minimum wage jobs. So its not really that bad of an indicator - the median income would include people who are well established financially which would heavily skew earning power. This said, that's really awesome you were able to work your way through, and you should be proud. I'm hoping to god I can get out of debt in decent enough time that I can help my kid pay for school.
With tuition, room and board you're looking at an average of 19,232/year, for a public school. And those numbers are from 2007, so its most likely well over $20,000 now. At an average of 7.35/hr (if that wage was untaxed) at a total of 2629 hours, or 50 hours a week.
Slashdot Mirror
You mispelled lame.
So does that mean that every single form of recorded media, be it DVD, Blu Ray, CD, Wax Cylinder... are all phonograph ripoffs?
He was a big narcissistic hypocritical asshole. Now he is worm food.
You know, i've heard some crackpots say the same thing about antivirus and computer security researchers. But you're not a crackpot, are you?
Pretty sure my palm had gestures as well, in the form of graffiti. The only thing apple did was add a second input for the gesture (pinch to zoom, etc).
I'm pretty sure forcing Palastinian Israelis to drive cars with different color license plates signifying their ethnicity is a textbook case of racial profiling. Just saying.
Actually there are statistics for that. Ever seen a poll where they say that there is a n margin of error? Yeah, same thing.
Psst, I am GP ;) The source is http://nces.ed.gov/programs/digest/d07/tables/dt07_320.asp. The second column (in state public institution and required fees) is without room and board, which for for years is 11338 for 2006-2007 school year. The first column is with room and board, and comes out to 19232. I must have typo'd the original number, sorry about that.
You forgot to include FICA and social security, and federal/state/local taxes. That could consume up to a third of each 7.35 hour (excessive but just for estimation). This also relies on the student not having transportation costs or anything, so basically living up the street from a school. Otherwise you have to include gas, car insurance, car. The cost for room and board brings it up to just shy of 19.5k in 2007 costs, so it'd be well over 20k a year now.
Even if you could work 80 hours a week, imagine doing that with at the same time as a performance intensive courseload like your average CS or Engineering curriculum.
40$ a month for car insurance? You must have saved an obscene amount from switching to Geico. I've been driving for 10 years now, with a clean driving record, and I still spend close to 85$ a month for car insurance.
Ask your average high school junior year student what the difference between an adjustable rate student loan and a fixed rate student loan is. I think you'll be heavily disappointed in what students actually know about personal finance.
I'm able to make ends meet, so I'm not complaining that its crippling. I am saying that some people can be truly screwed by their circumstances with the amount of their student loans. I can pay my bills each month just fine. I just hate having a mortgage's worth of debt for the same piece of paper that someone else had. Sadly I couldn't go to a different school because you MUST submit a FAFSA (federal application for student aid) if you plan to use any kind of loan, and as mentioned, my parents refused to sign for any school other than the one they had hand picked.
Huh, I would have sworn those were included in the states where in state residents get most of their tuitions waived by state grant? Good info, thanks!
I think its honestly something that a lot of parents don't really know to begin with. If anything, if we wanted kids to start understanding, a personal finance course should be part of standard High school curriculum. We had economics, but no finance. Which is kind of weird when you think about it.
Your experience may be different depending on your state. Those are the numbers provided by the US government as the average across public 4 year universities. You're correct that there are some states where schools charge less (as mentioned, George is free for in state resident students), but there are also states which charge far more (Texas). Here is the source from NCES, it ends at 2007, where it was a little over $11000 without, and $19232 with room and board. The average has probbaly gone up a few thousand dollars since. Source of numbers: http://nces.ed.gov/programs/digest/d07/tables/dt07_320.asp
Apologies for the gross generalization :) I'm just tired of people trying to compare the relatively successful economy of the 1970's from their youths to the barren wasteland of today.
I think there needs to be some sort of screening done. Use actuaries, compare the chosen field of study to the chance of getting a job, and then factor that into whether or not someone can get a loan. Does it suck for people who are denied? Absolutely. But at least it avoids having them default on their loans for the rest of their lives.
They cosigned for me, unsubsudized stafford loans, stafford loans and, and private loans through key bank. Everything was in my name.
Thank you :) I honestly am lucky that I did manage to build up a lot of skills while I worked through college, and I did get a job right out of school. Now I'm working as an engineer for a fortune 500, and should be looking at being entirely debt free in about 7 years if everything goes perfectly. I do have some spreadsheets thrown together (namely for budgeting), and I have an emergency account with 2 months worth of bills. Once I had my "oh crap, I am so screwed" moment I decided to get organize and make a plan. My girlfriend comes from a family of wealthy engineers, so maybe marriage is actually a good investment for me? Hahaha (don't tell her I said that!). I basically squirrel everything away that isn't weekly allowance so I can't touch it. Create false scarcity, you know?
Since 1970, minimum wage has on average gone up about 300%.
I think a more relevant figure to compare to would be the median income.
Not for a brand new high school graduate with no work experience or degree.
I agree wholeheartedly with that point. Trade skills are huge moneymakers today, though when i was in high school there was a huge social stigma about being one of the "tech school kids." It was bad enough that most of the students who would have wanted to go didn't. It was kind of associated with "losers and idiots." Fair? Not at all. Correct? Not that either. But it was what it was. Does the same stigma still exist today?
Small private university which required on campus living, averaging $45,000 a year. The other 60000+ I got rid of by working 2-3 jobs through my education at all times.
All of my numbers are based on this document from the Census bureau. Average cost when you were in college was a little under $7000 a year, excluding room and board (you're 30, so I'm assuming you started school in 1998-1999). With room and board you'd be looking at an average of $12,000. Today (well in 2007, which was 4 years ago) you're looking at an average of 11034 without room and board, and 19232 with. What's scary is they went up consistently by about 300$ a semester through the first part of the 2000's, and then suddenly start increasing by 600-700-800$ a year.At that rate, i think you'd be hard pressed these days. If someone had to board at school, they'd be looking at a 50 hour workweek outside of class, and that's only if their wages were untaxed (imagining that the student was able to find a minimum wage job). We use minimum wage because college students are largely inexperienced, unskilled workers - the people who usually work minimum wage jobs. So its not really that bad of an indicator - the median income would include people who are well established financially which would heavily skew earning power. This said, that's really awesome you were able to work your way through, and you should be proud. I'm hoping to god I can get out of debt in decent enough time that I can help my kid pay for school.
With tuition, room and board you're looking at an average of 19,232/year, for a public school. And those numbers are from 2007, so its most likely well over $20,000 now. At an average of 7.35/hr (if that wage was untaxed) at a total of 2629 hours, or 50 hours a week.