leh-nerd skin-erd

The same model was used to investigate and report on the alleged collusion between a presidential candidate and the pinko commies. It's the latest rage.

Sounds an awful lot like a planned community you would see in Disney. Must cost some mad staxx to keep all that up for the elite-insider class. ?

So to be clear, you're not advocating bancruptcy protection for a majority of those with college debt, just the reaonably small percentage that, after consideration of realistic belt-tightening measures, and considering the assets of all parties to the transaction (student, families and co-signers), their unique personal situation (illness, disability etc) and potential refinancing options simply must default as a last resort? We may be in agreement. What I hear talked about is much broader than that, and the mantra seems to be people were victimzed by everyone in the mix except themselves. Bancruptcy is a necessary social safety net, but someone/some organization always pays the price for it. I don't understand your perspective on an endowment tax, especially as it relates to the problem we are discussing. If indeed there is a national crisis and the institutions are a big part of the problem, it seems logical to make them part of the solution. I'm not sure how that happens otherwise--raise tuition? Another fee? There is a boatload of money out there to help solve a problem largely created by the institution. As for public schools and choice, the system is broken and generally speaking the tail wags the dog. The cost is high, by most accounts the results poor, yet year in and year out we are told "it's not enough, we need more, it's for the children." Yet, an incredibly high percentage of the money flowing through goes to administrative costs, benefits that provide financial security to the very few. I agree with you on the problems faced by the poor, or in struggling school districts but part of the problem is inefficiency. The harsh reality is while the administrator in Clarence might well be concerned about the quality of education on the East Side, they likely are not so concerned that they would support sharing of resources that directly impacted them. The only answer then is "Someone has to do more, but it should not be me.". In a sense, it's the ultimate capitalist conundrum. The system is closed, choices are few, and the coat high. I don't see how choice and competition would hurt the average consumer, up to and including govt intervention in those impoverished areas. Anyway, as I said before, you'll likely be happier than I with the resolution. Too many people stand to benefit with the waving of the magic wand absolving the debt, and too few people will be hurt by the eventual decision to muster much of a fight. Peace out.

I think it's parental/custodial malpractice to advise/support a child willing to pursue a $500 per hour education with a projected $15-25 per hour outcome. I think when nature takes its course, as it invariably does, it should not become someone elses fiscal responsibility to solve a problem that was likely 100% avoidable. I don't disagree with the fundamental premise of your post. Government should not be in the loan business, but it is. People should not generally be in the "make dumb choices" business, but they are. The Warren plan simply finds the convenient boogieman to transfer blame from the bad decision maker (the student) to "ultra millionaires", gradually working backwards until you phase out any debt relief for families deemed too wealthy to need assistance. As for ability to discharge the debt through bankruptcy, I recognize the govt has its finger on the scale, but then again, it usually does. If we are going this way, why not this alternative...the govt applies a tax on the endowments at universities...private and public...across the country and pays off the debt? Hell, Harvard has $37 billion, Yale has $25 billion, and SUNY Buffalo nearly $800 million. According to many liberals, these institutions are complicit in the problem, should they feel no pinch? What about setting the vig at 20%? I agree that financial institutions should generally make sound financial decisions and underwriting loans should be based on much more stringent guidelines. However, these institutions follow the rules and guidelines set forth by a notoriously fickle government. "Everyone should have the ability to go to college and we're here to help" has morphed into "Holy Cow we offered to help and what the $#@@ just happened" to "You're a victim of THE WEALTHY if you followed the path we created to help you and you didn't do the math before taking the money!" to "The only way you cannot be victimized if we make everything--tuition, room and board, meal plan, transportation, all of it free". I'm certain I will be disappointed in the eventual resolution but as far as I'm concerned, bancruptcy in extreme cases, other than that, honor your debt. Then again, when I got sideways on my credit cards a decade plus ago, I didn't feel like it was a Mastercard problem. When my children attended college, it was my honor to help them through it. Just perspective, I guess. Btw..if, in your plan, we took a good hard look at creating similar competition. W/ the public school system by allowing folks to use a large percentage of their school tax dollars to apply to the cost of private school, I might be willing to support that. Increased competition likely drives down cost, yes?

There is a time and place for bankruptcy protection. People fall on hard times, become ill, lose a spouse and find themselves in a very precarious spot. On the other hand, for the vast majority of students who bypassed the countless options that community college, state institutions, online learning, trade schools etc offer, I'd simply say suck it up and pay your debt. It's on you. It was on you when you chose Penn State, or Tulane, or SUNY Stoney Brook, it was on you when you chose to go away to school, it was always on you. If you didn't know that, lacked the ability to forecast, or a parent or loved one failed to do the simple math that boild down to $52,000 × 4 = $208,000, well, life is about evolving and growing in spite of obstacles in your path.

Every player that ever played is exactly the same forever, and if they play the Jets that first year you can literally see the mistakes they will always make if you watch the game in slow motion frame by painful frame. You know that there were no broken plays, no misreads, no missed blocks or no receivers running the wrong route and the play call is telegraphed. In fact, look at rg3. Had a very good first year and was exactly the same QB with the same results leading to multiple playoff wins, 2 SB championships and all his wildest dreams came true. As for Peyton Manning, you're obviously making things up because of what I just said.

No disrespect as I don't know much about R&D and Brussels sprouts, but my brother and I used to work at a Baskin Robbins, that doesn't make us ICSRELPs. Could they coordinate with universities in the heartland, and suffer not at all?

In addition, it is also 100% crystal clear and irrefutable that when a candidate does not receive anything of value from a foreign government, if the candidate is running on the Republican ticket he/she can absolutely expect that he/she will be investigated, that the freedom of his/her business associates and family members are in peril, and that no stone will be left unturned in an attempt to ruin him/her and his/her associates and family members through doj/congressional/media mob overreach. Why didn't the arrogant and condescending civil servant include that in her propaganda release?

I'm not a millennial either. I don't know what this means.

What's the dealio here?

I think John Dean should appreciate the fact that he was not accused of being a serial rapist, traitor or Putin acolyte by the people asking the questions. He had a good day.

i have no idea, I'm not the yogi. and drop that damn u in 'colour', fancy pants. classy, yes, but the u is a precious commodity and its unnecessary here.

From the syllabus: Use Shelly Tochluk’s book Witnessing Whiteness as a guide for our work. Reading is recommended, but not required Even when whitey confronts the "pathology of whiteness" they shortcut with privilege. Priceless.

What if, Deek (if that's your real name), what if the Russians hacked her iCalendar and changed all the "Wisconsins" to "New York Citys"? And what if all her cough drops were replaced with drops that actually made her cough? You want discord? A presidential candidate in a pale blue pants suit constantly visiting the same location and hacking up a lung is some *****ing discord. Somewhere in America tonight, a guy maybe named Mitch, or Geoff, or Crayden or Mickey is out there, standing alone in the dark, staring north toward the horizon in defiance and protest of Vladimir Putin. While his neighbors know him only as the odd guy that hangs around the dumpster of the apartment complex, you know him as Tiberius. Will you not stand with him for America?

While I would not want to be a victim of Ted Kazcinski, being bludgeoned by Ted Bundy would not be a better outcome. If I believed the things you did (and I do not) the question would not be "Is that too much to ask", it would be "why am I selling out for a candidate that has all the same problems as the guy I profess to hate?".

I think corporations are part of the fabric of our democracy, and should have a seat at the table. We all know they do, so let's move on. I think the corporation exists to thrive and survive, and that certainly presents challenges that are not in the best interest of the average voter. On the other hand, I think government acts as a corporation at times, existing egocentrically with little regard for the impact on the average voter. The difference is that corporations like AT&T or GE can, and often do, fade away. Government, on the other hand, does not. Of the two, I think the greater threat is not AT&T, though i understand your perspective.

corporations are always bad, until they are good. it's the American way.

yes. i see it now. what does trump have on mueller to force him to be complicit in the scheme? and barr, why is barr complicit in the destruction of the republic? maybe they all get the commie hookers? and why are you so committed to being a biden sock puppet? he's a washington insider, makes inappropriate comments relative to race, has a history of plagiarism, flips and flops like fosbury, and can unhook a bra with just using his hair plugs. and that's before the whole ukrainian fiasco, and his assault on anita hill. why are you itching for him to be your daddy?

Maybe not, but its entirely possible he is Putin's grandfather's older cousin.

Free will?

I was thinking "Investigategate" but it made every announcer sound like they were hammered, and I heard autocorrect kept crashing the system.

?I missed that.

If by "advisor", you mean Google, we are on the same page. It tells you everything it wants you to know.

Roth conversion, hypothetically speaking? That hypothetically might hypothetically make the most hypothetical sense if you're planning to hypotheticall stick around for a while. A fellow I know cashed out about 8-10 years ago, paid the mill or so to the king and is so happy to have followed that course of action.

The answer to your question is hidden in plain sight. They are everywhere.