Home Mail MemberMap Chat (0) Wallpapers
Go Back   ChiefsPlanet > The Lounge > D.C.

Reply
 
Thread Tools Display Modes
Old 05-20-2014, 12:29 PM  
KC native KC native is online now
a toda madre o un desmadre
 
KC native's Avatar
 
Join Date: Feb 2009
Location: Fort Worth, TX
Casino cash: $17131
You can blame student debt for America’s inequality and shrinking middle class

http://qz.com/211061

There is a tendency among elite opinion makers to believe that debt accrued while gaining a college degree is “good debt” that isn’t problematic because, as the thought goes, those with college degrees tend to make enough money to recoup their debt over a lifetime. Student debt is supposedly an equalizer—a way for students to gain access to credit in order to get a degree that will give them an equal chance to enter the middle class and achieve the American Dream. Sadly, like many pundit platitudes, this assertion is grounded in fantasy, not fact.

In fact, this is only true for some students—those who were fairly wealthy in the first place. College is certainly worth the cost, but that at present it is saddling poor and middle-class students with student debt is actually preventing them from participating in the wealth-building processes that previous generations have enjoyed.

The debate over student debt usually focuses on those right out of school, but that masks that a substantial portion of those with student debt struggle mightily to pay off their loans in a timely manner, delaying (sometimes in perpetuity) their entry into the middle class. Research by the US Federal Reserve Bank of New York finds that many borrowers still haven’t paid off their student loans by their 40s and 50s.



For students just out of school, upward of 15% of their federal student loans are in default within three years of students leaving school, and delinquency rates for student loans have continued to rise during and after the recession, even as delinquencies in every other form of loan—including mortgages, home equity loans, credit cards, and auto loans—have declined.

The inability to pay off debt is a really big deal, because these students are more likely to take any job that comes their way to pay off their loans than invest in themselves. Research from Demos finds that if “current borrowing patterns continue, student debt levels will reach $2 trillion sometime around 2022. Another report concludes that, “an average student debt burden for a dual-headed household with bachelors leads to a lifetime wealth loss of nearly $208,000.” Given that wealth inequality has returned to Gilded Era heights, this finding should be disturbing.

The problem is that, rather than being seen as a social investment, college education is increasingly seen as a commodity—something that is accessible for the wealthy, but out of reach for the poor, and increasingly, the middle class. Sure enough, student debt is highly correlated to income level with the wealthiest having the lowest amount of debt as a portion of their income (see table).



Poor and middle class students are much more likely to take on student loans—in fact, nearly 9 in 10 graduates who receive Pell Grants also needed to borrow to finance their degree, compared to 53% of graduates who did not receive Pell Grants. These students will spend more time paying off their debt and less time saving for retirement or other needs, creating a vicious cycle of deepening wealth inequality.

There is a more tenuous, but equally important way in which rising inequality has increased student debt among the poor and middle class – through the political system. Recently, Martin Gilens and Benjamin Page sent the internet alight with their assertion that “economic elites and organized groups representing business interests have substantial independent impacts on U.S. government policy, while average citizens and mass-based interest groups have little or no independent influence.” This finding is corroborated by Larry Bartels, Dorian Warren, Jacob Hacker, Paul Pierson and Kay Lehman Schlozman who have all recorded similar findings.

Although this elite and corporate control of the political system is bad a priori, it has particular importance in the case of education. In their study of the political attitudes of the wealthiest 1%, Larry Bartels, Benjamin Page and Jason Seawright find that the wealthiest 1% have different policy priorities than average voters. For instance, while 78% of the general public agree with the statement, “The federal government should make sure that everyone who wants to go to college can do so,” only 28% of the wealthy agree. Elites are also far less likely to agree that, “The federal government should spend whatever is necessary to ensure that all children have really good public schools they can go to,” by a margin of 35% to 87%. They also believe that cutting deficits is a more important priority than funding education, and believe that education is a lower spending priority than the middle class.

This helps explain why states have slashed spending for education while also cutting taxes—those with the most influence over policy have little to gain from public education, but much to gain from cutting taxes. It also explains why there is very little national attention paid to community colleges, which educate 4 in 10 college students, and who are disproportionately impacted by state budget cuts. Research by Greg Duncan and Richard Murnane shows that wealthy spend far more supplementing their children’s incomes than the poor, which means that state level cuts have a devastating impact on the poor (see chart).



Robert Hiltonsmith and Tamara Draut find that in the aftermath of the Great Recession, 49 states (all but North Dakota) cut spending on higher education and that state spending on higher education hit an all-time low in the wake of the recession (see chart). This, essentially, results in higher tuition. Draut and Hiltonsmith find that, “Nationally, average tuition at 4-year public universities increased by 20% in the four years since 2008 after rising 14% in the four years prior.” Tuition continues to grow as a share of the median income, which means all families but the very rich have to take out large debts to pay for their education. This, in turn, means that recent graduates are paying off loans, rather than building wealth.



College is an important pathway to the middle class and one of the most effective ways to fight inequality. As it becomes increasingly difficult for students to gain an education, it closes gateways to upward mobility. The effect is particularly potent for blacks. A recent study by Bhashkar Mazumder finds that, “blacks have experienced substantially less upward intergenerational mobility and substantially more downward intergenerational mobility than whites.” He finds that this gap shrinks among those with 16 years of schooling.

One simple way to move away from the debt-for-diploma system is for the government to shift from a policy of loans to a policy of grants. There is no reason why college education should primarily be funded by expensive, high interest loans. In the past, Pell Grants helped the poor and middle class attend college, but Pell Grants make up an increasingly low percentage of the cost for college (see chart).



At a bare minimum the government could allow students to refinance their debts at a lower level; most other countries have policies that allow students to pay off debts as a portion of their income and eventually allow the debts to be forgiven. In Britain, students don’t begin paying off their loans until they find stable employment, and then they pay in proportion to their earnings. Australia similarly ties the cost of paying off the loan to the income of the graduate, and loans themselves come with no interest attached. In Denmark, education is considered a right by the people and an investment by the government, and is therefore free. Some students are even offered a stipend by the government to defray costs. Norway and Sweden have similar systems of higher education. The US has attempted to implement loan repayment schemes that allow students to pay in accordance with their income, but the default repayment plan on federal student loans is still an arbitrary 10-year time period—a time when borrowers tend to make less, and when saving for retirement could benefit them the most. But enrollment in these plans have been slow, likely due to the fact that our system is needlessly complex and opaque (to wit, there are upwards of 9 different repayment plans one can choose on student loans).

Education, and especially college education is a pathway to the middle class, and most Americans think it is more important than ever. But as society becomes more unequal, access to debt-free education becomes harder and harder.
Posts: 18,885
KC native is too fat/Omaha.KC native is too fat/Omaha.KC native is too fat/Omaha.KC native is too fat/Omaha.KC native is too fat/Omaha.KC native is too fat/Omaha.KC native is too fat/Omaha.KC native is too fat/Omaha.KC native is too fat/Omaha.KC native is too fat/Omaha.KC native is too fat/Omaha.
  Reply With Quote
Old 05-20-2014, 03:38 PM   #46
Iowanian Iowanian is online now
Besides, big day tomorrow
 
Iowanian's Avatar
 

Join Date: Aug 2000
Location: Utopia
Casino cash: $15237
College isn't the answer for everyone and a 4 year degree isn't the end-all be-all. As watered down as college is these days, the 4 year in most areas of study are what HS degrees used to be.

If anyone wonders why so many college grads have trouble finding a job, create a few positions and try to hire some of these products of higher education. Holy shit.

I mentor quite a few young people in varying capacities. Some are rock stars destined to do great things and need higher education, some of the kids who have interned with me in HS are doing amazing things, some engineers and beyond. There is also a large segment of youth who just don't benefit from going to 4 year schools, accumulating debt and dropping out, or graduating with unemployable degrees.

There are certainly careers that demand it, there are employers like Wells Fargo that don't care what your degree is, but you have to have one. I'm a big believer in the pending future for young people who get into trade degrees, that also includes medical fields in nursing etc. I encourage quite a few kids who struggle with school to look into welding and other careers that can be rewarding if they put in the effort.
__________________
Quote:
Originally Posted by KC native View Post
I said I'm an expert dickrider.
Posts: 51,031
Iowanian is obviously part of the inner Circle.Iowanian is obviously part of the inner Circle.Iowanian is obviously part of the inner Circle.Iowanian is obviously part of the inner Circle.Iowanian is obviously part of the inner Circle.Iowanian is obviously part of the inner Circle.Iowanian is obviously part of the inner Circle.Iowanian is obviously part of the inner Circle.Iowanian is obviously part of the inner Circle.Iowanian is obviously part of the inner Circle.Iowanian is obviously part of the inner Circle.
  Reply With Quote
Old 05-20-2014, 03:53 PM   #47
BucEyedPea BucEyedPea is offline
Bless FSU!
 
BucEyedPea's Avatar
 

Join Date: Apr 2006
Location: None of your business
Casino cash: $23005
Hire some that didn't go to college. Not much different. I've worked with some and they have little work ethic.
__________________
“The power to declare war, including the power of judging the causes of war, is fully and exclusively vested in the legislature.” ~ James Madison, Father of the Constitution

“We do not believe in aggressive or preventive war. Such war is the weapon of dictators, not of free democratic countries like the United States.”~ Truman, Sept 1, 1950
Posts: 59,788
BucEyedPea is obviously part of the inner Circle.BucEyedPea is obviously part of the inner Circle.BucEyedPea is obviously part of the inner Circle.BucEyedPea is obviously part of the inner Circle.BucEyedPea is obviously part of the inner Circle.BucEyedPea is obviously part of the inner Circle.BucEyedPea is obviously part of the inner Circle.BucEyedPea is obviously part of the inner Circle.BucEyedPea is obviously part of the inner Circle.BucEyedPea is obviously part of the inner Circle.BucEyedPea is obviously part of the inner Circle.
  Reply With Quote
Old 05-20-2014, 03:57 PM
BucEyedPea
This message has been deleted by BucEyedPea. Reason: Oops a duplicate!
Old 05-20-2014, 03:57 PM   #48
BucEyedPea BucEyedPea is offline
Bless FSU!
 
BucEyedPea's Avatar
 

Join Date: Apr 2006
Location: None of your business
Casino cash: $23005
Quote:
Originally Posted by Aries Walker View Post
Yes, they're stupid expensive, but I still think a college education is the best investment you can make. Its benefits go far beyond how much money it will return to you.

Here, this guy explains it much more succinctly than I can.
I agree that it should not just be for a job or making money. No one can ever take it away...you just might forget a chunk of it though.

I went to a HS briefing when my kid was still there, and they presented a survey on "Why people wanted to go to college." In the 1960s the predominant answer was "to get an education." Today it was "to make money." That's quite a difference. Sad imo. It was in some education magazine.
__________________
“The power to declare war, including the power of judging the causes of war, is fully and exclusively vested in the legislature.” ~ James Madison, Father of the Constitution

“We do not believe in aggressive or preventive war. Such war is the weapon of dictators, not of free democratic countries like the United States.”~ Truman, Sept 1, 1950
Posts: 59,788
BucEyedPea is obviously part of the inner Circle.BucEyedPea is obviously part of the inner Circle.BucEyedPea is obviously part of the inner Circle.BucEyedPea is obviously part of the inner Circle.BucEyedPea is obviously part of the inner Circle.BucEyedPea is obviously part of the inner Circle.BucEyedPea is obviously part of the inner Circle.BucEyedPea is obviously part of the inner Circle.BucEyedPea is obviously part of the inner Circle.BucEyedPea is obviously part of the inner Circle.BucEyedPea is obviously part of the inner Circle.
  Reply With Quote
Old 05-20-2014, 03:58 PM   #49
Aries Walker Aries Walker is offline
Back again.
 
Aries Walker's Avatar
 

Join Date: Sep 2005
Location: Aspen Hill, MD
Casino cash: $10893
That change over time, in fact, could very well be the root of the problem.
Posts: 5,029
Aries Walker is too fat/Omaha.Aries Walker is too fat/Omaha.Aries Walker is too fat/Omaha.Aries Walker is too fat/Omaha.Aries Walker is too fat/Omaha.Aries Walker is too fat/Omaha.Aries Walker is too fat/Omaha.Aries Walker is too fat/Omaha.Aries Walker is too fat/Omaha.Aries Walker is too fat/Omaha.Aries Walker is too fat/Omaha.
  Reply With Quote
Old 05-20-2014, 04:00 PM   #50
Dayze Dayze is online now
Resident Glue Sniffer
 
Dayze's Avatar
 

Join Date: Nov 2003
Location: Overland Park
Casino cash: $17627
most of the kids in my HS that were going to a big college, were going there either becuase friends were going, or simplly to be able to say "I go to xxxxx"

I can't recall one of them saying they were going to a particular school because their programs in a particular field.
__________________
Life is 99% inspiration, 1% Perspiration, and 1% Attention to Detial.
Posts: 27,278
Dayze is obviously part of the inner Circle.Dayze is obviously part of the inner Circle.Dayze is obviously part of the inner Circle.Dayze is obviously part of the inner Circle.Dayze is obviously part of the inner Circle.Dayze is obviously part of the inner Circle.Dayze is obviously part of the inner Circle.Dayze is obviously part of the inner Circle.Dayze is obviously part of the inner Circle.Dayze is obviously part of the inner Circle.Dayze is obviously part of the inner Circle.
  Reply With Quote
Old 05-20-2014, 04:07 PM   #51
BucEyedPea BucEyedPea is offline
Bless FSU!
 
BucEyedPea's Avatar
 

Join Date: Apr 2006
Location: None of your business
Casino cash: $23005
Quote:
Originally Posted by Dayze View Post
most of the kids in my HS that were going to a big college, were going there either becuase friends were going, or simplly to be able to say "I go to xxxxx"

I can't recall one of them saying they were going to a particular school because their programs in a particular field.
Too many of my kid's friends had parents who refused to pay for it and/or didn't believe in it. So these kids, some who were kicked out are paying their whole way using financial aid. I would never do that to my kid.

My kid picked what is considered a good value state university. In fact some books on colleges said it was a "Budget Ivy." However, it was selected for being in the top five CW programs. Her friends who went to UF instead have their noses up in the air. But FSU is better for creative programs. It's Film School is within the top ten in the country with 100% placement in the industry. They only accept 20 students per year though. She is a Film Minor.

She will only come out $16K in debt unless she goes an extra semester to add a Communications Minor as a back up plan. But she could pay half off now if she wanted. I am trying to get her to pay some of it down now with some other money she was awarded. I will help pay off some for her later. Having a Housing scholarship helps a lot. So her debt will be manageable.
__________________
“The power to declare war, including the power of judging the causes of war, is fully and exclusively vested in the legislature.” ~ James Madison, Father of the Constitution

“We do not believe in aggressive or preventive war. Such war is the weapon of dictators, not of free democratic countries like the United States.”~ Truman, Sept 1, 1950

Last edited by BucEyedPea; 05-20-2014 at 04:34 PM..
Posts: 59,788
BucEyedPea is obviously part of the inner Circle.BucEyedPea is obviously part of the inner Circle.BucEyedPea is obviously part of the inner Circle.BucEyedPea is obviously part of the inner Circle.BucEyedPea is obviously part of the inner Circle.BucEyedPea is obviously part of the inner Circle.BucEyedPea is obviously part of the inner Circle.BucEyedPea is obviously part of the inner Circle.BucEyedPea is obviously part of the inner Circle.BucEyedPea is obviously part of the inner Circle.BucEyedPea is obviously part of the inner Circle.
  Reply With Quote
Old 05-20-2014, 04:10 PM   #52
BucEyedPea BucEyedPea is offline
Bless FSU!
 
BucEyedPea's Avatar
 

Join Date: Apr 2006
Location: None of your business
Casino cash: $23005
Quote:
Originally Posted by Aries Walker View Post
That change over time, in fact, could very well be the root of the problem.
I would agree with this as well, Aries. Some of the advisors at her university, push Grad school because a BA is not worth as much anymore. They really know how to promote themselves.

On the other hand, I read the college drop out rate is pretty high. IIRC, something like 4-45%. Some are not prepared to do the work either academically or based on work ethic.
__________________
“The power to declare war, including the power of judging the causes of war, is fully and exclusively vested in the legislature.” ~ James Madison, Father of the Constitution

“We do not believe in aggressive or preventive war. Such war is the weapon of dictators, not of free democratic countries like the United States.”~ Truman, Sept 1, 1950
Posts: 59,788
BucEyedPea is obviously part of the inner Circle.BucEyedPea is obviously part of the inner Circle.BucEyedPea is obviously part of the inner Circle.BucEyedPea is obviously part of the inner Circle.BucEyedPea is obviously part of the inner Circle.BucEyedPea is obviously part of the inner Circle.BucEyedPea is obviously part of the inner Circle.BucEyedPea is obviously part of the inner Circle.BucEyedPea is obviously part of the inner Circle.BucEyedPea is obviously part of the inner Circle.BucEyedPea is obviously part of the inner Circle.
  Reply With Quote
Old 05-20-2014, 04:14 PM   #53
DaveNull DaveNull is offline
Veteran
 
DaveNull's Avatar
 

Join Date: Nov 2011
Location: Villa Straylight
Casino cash: $8030
Quote:
My daughter works 20 hours a week and still maintains at 3.85 GPA but could have been 4.0. It allows her to have a car so she won't give it up for the higher GPA.
Quote:
It's Film School is within the top ten in the country with 100% placement in the industry. They only accept 20 students per year though. She is a Film Minor.
Sounds like it's time to ditch the car then.
Posts: 1,338
DaveNull would the whole thing.DaveNull would the whole thing.DaveNull would the whole thing.DaveNull would the whole thing.DaveNull would the whole thing.DaveNull would the whole thing.DaveNull would the whole thing.DaveNull would the whole thing.DaveNull would the whole thing.DaveNull would the whole thing.DaveNull would the whole thing.
  Reply With Quote
Old 05-20-2014, 04:24 PM   #54
BucEyedPea BucEyedPea is offline
Bless FSU!
 
BucEyedPea's Avatar
 

Join Date: Apr 2006
Location: None of your business
Casino cash: $23005
Quote:
Originally Posted by DaveNull View Post
Sounds like it's time to ditch the car then.
Surely you jest. That's a good GPA and she's in the Honors Program and on the Dean's list.
What's funny, is the B+'s she got were in all her favorite and easier courses ( Media Studies, Intro Advertising) and her A's were in math and science. Those professors use questions on things not covered in the class. Sukks! Luckily, she has A's in her major.
__________________
“The power to declare war, including the power of judging the causes of war, is fully and exclusively vested in the legislature.” ~ James Madison, Father of the Constitution

“We do not believe in aggressive or preventive war. Such war is the weapon of dictators, not of free democratic countries like the United States.”~ Truman, Sept 1, 1950
Posts: 59,788
BucEyedPea is obviously part of the inner Circle.BucEyedPea is obviously part of the inner Circle.BucEyedPea is obviously part of the inner Circle.BucEyedPea is obviously part of the inner Circle.BucEyedPea is obviously part of the inner Circle.BucEyedPea is obviously part of the inner Circle.BucEyedPea is obviously part of the inner Circle.BucEyedPea is obviously part of the inner Circle.BucEyedPea is obviously part of the inner Circle.BucEyedPea is obviously part of the inner Circle.BucEyedPea is obviously part of the inner Circle.
  Reply With Quote
Old 05-20-2014, 04:28 PM   #55
DaveNull DaveNull is offline
Veteran
 
DaveNull's Avatar
 

Join Date: Nov 2011
Location: Villa Straylight
Casino cash: $8030
I'd say getting lackluster grades in classes you already have a background in is common. My point was, if it's that competitive and requires a 4.0, then having a car is more important than getting into the film program.
Posts: 1,338
DaveNull would the whole thing.DaveNull would the whole thing.DaveNull would the whole thing.DaveNull would the whole thing.DaveNull would the whole thing.DaveNull would the whole thing.DaveNull would the whole thing.DaveNull would the whole thing.DaveNull would the whole thing.DaveNull would the whole thing.DaveNull would the whole thing.
  Reply With Quote
Old 05-20-2014, 04:28 PM   #56
BucEyedPea BucEyedPea is offline
Bless FSU!
 
BucEyedPea's Avatar
 

Join Date: Apr 2006
Location: None of your business
Casino cash: $23005
Oh! And "She'll give back her car when we pry (or take) it from her cold, dead hands"
__________________
“The power to declare war, including the power of judging the causes of war, is fully and exclusively vested in the legislature.” ~ James Madison, Father of the Constitution

“We do not believe in aggressive or preventive war. Such war is the weapon of dictators, not of free democratic countries like the United States.”~ Truman, Sept 1, 1950
Posts: 59,788
BucEyedPea is obviously part of the inner Circle.BucEyedPea is obviously part of the inner Circle.BucEyedPea is obviously part of the inner Circle.BucEyedPea is obviously part of the inner Circle.BucEyedPea is obviously part of the inner Circle.BucEyedPea is obviously part of the inner Circle.BucEyedPea is obviously part of the inner Circle.BucEyedPea is obviously part of the inner Circle.BucEyedPea is obviously part of the inner Circle.BucEyedPea is obviously part of the inner Circle.BucEyedPea is obviously part of the inner Circle.
  Reply With Quote
Old 05-20-2014, 04:31 PM   #57
BucEyedPea BucEyedPea is offline
Bless FSU!
 
BucEyedPea's Avatar
 

Join Date: Apr 2006
Location: None of your business
Casino cash: $23005
Quote:
Originally Posted by DaveNull View Post
I'd say getting lackluster grades in classes you already have a background in is common. My point was, if it's that competitive and requires a 4.0, then having a car is more important than getting into the film program.
She's not in the Film Program and did not apply for it. It's her Minor. As a minor it's open to the regular student body. I think it requires a certain GPA which she is well above. All English Majors have to carry a minor. It can be business or anything. Games are related to film so she picked that....although she widen her career options to entertainment in general. So TV narratives, screenwriting etc. are covered. She's working for a film marketing firm this summer up in Tally for some experience. They have a very good graduate program in screenwriting too.

Now her ideal is to write for the Family Guy! She's quite the comedienne. She gets it from me-- believe it or not since I post in DC which is argument based.
__________________
“The power to declare war, including the power of judging the causes of war, is fully and exclusively vested in the legislature.” ~ James Madison, Father of the Constitution

“We do not believe in aggressive or preventive war. Such war is the weapon of dictators, not of free democratic countries like the United States.”~ Truman, Sept 1, 1950
Posts: 59,788
BucEyedPea is obviously part of the inner Circle.BucEyedPea is obviously part of the inner Circle.BucEyedPea is obviously part of the inner Circle.BucEyedPea is obviously part of the inner Circle.BucEyedPea is obviously part of the inner Circle.BucEyedPea is obviously part of the inner Circle.BucEyedPea is obviously part of the inner Circle.BucEyedPea is obviously part of the inner Circle.BucEyedPea is obviously part of the inner Circle.BucEyedPea is obviously part of the inner Circle.BucEyedPea is obviously part of the inner Circle.
  Reply With Quote
Old 05-20-2014, 04:31 PM   #58
Aries Walker Aries Walker is offline
Back again.
 
Aries Walker's Avatar
 

Join Date: Sep 2005
Location: Aspen Hill, MD
Casino cash: $10893
She's excited to be there, she's pursuing a degree she loves, and she's floating an A average? Whatever you're doing, keep doing it.
Posts: 5,029
Aries Walker is too fat/Omaha.Aries Walker is too fat/Omaha.Aries Walker is too fat/Omaha.Aries Walker is too fat/Omaha.Aries Walker is too fat/Omaha.Aries Walker is too fat/Omaha.Aries Walker is too fat/Omaha.Aries Walker is too fat/Omaha.Aries Walker is too fat/Omaha.Aries Walker is too fat/Omaha.Aries Walker is too fat/Omaha.
  Reply With Quote
Old 05-20-2014, 04:36 PM   #59
BucEyedPea BucEyedPea is offline
Bless FSU!
 
BucEyedPea's Avatar
 

Join Date: Apr 2006
Location: None of your business
Casino cash: $23005
Quote:
Originally Posted by DaveNull View Post
I'd say getting lackluster grades in classes you already have a background in is common. My point was, if it's that competitive and requires a 4.0, then having a car is more important than getting into the film program.
She doesn't have lackluster grades in classes she has any background in.
I think you misunderstood. It was in class she really enjoyed and loved but never had before.
__________________
“The power to declare war, including the power of judging the causes of war, is fully and exclusively vested in the legislature.” ~ James Madison, Father of the Constitution

“We do not believe in aggressive or preventive war. Such war is the weapon of dictators, not of free democratic countries like the United States.”~ Truman, Sept 1, 1950
Posts: 59,788
BucEyedPea is obviously part of the inner Circle.BucEyedPea is obviously part of the inner Circle.BucEyedPea is obviously part of the inner Circle.BucEyedPea is obviously part of the inner Circle.BucEyedPea is obviously part of the inner Circle.BucEyedPea is obviously part of the inner Circle.BucEyedPea is obviously part of the inner Circle.BucEyedPea is obviously part of the inner Circle.BucEyedPea is obviously part of the inner Circle.BucEyedPea is obviously part of the inner Circle.BucEyedPea is obviously part of the inner Circle.
  Reply With Quote
Old 05-20-2014, 04:37 PM   #60
BucEyedPea BucEyedPea is offline
Bless FSU!
 
BucEyedPea's Avatar
 

Join Date: Apr 2006
Location: None of your business
Casino cash: $23005
Quote:
Originally Posted by Aries Walker View Post
She's excited to be there, she's pursuing a degree she loves, and she's floating an A average? Whatever you're doing, keep doing it.
Big investment in her earlier education, imo. Plus involved guidance. I read kids who have a mentor do better. I have had a creative career and I feel I can mentor part of that for her. Especially, if she winds up in advertising
instead.
__________________
“The power to declare war, including the power of judging the causes of war, is fully and exclusively vested in the legislature.” ~ James Madison, Father of the Constitution

“We do not believe in aggressive or preventive war. Such war is the weapon of dictators, not of free democratic countries like the United States.”~ Truman, Sept 1, 1950

Last edited by BucEyedPea; 05-20-2014 at 04:43 PM..
Posts: 59,788
BucEyedPea is obviously part of the inner Circle.BucEyedPea is obviously part of the inner Circle.BucEyedPea is obviously part of the inner Circle.BucEyedPea is obviously part of the inner Circle.BucEyedPea is obviously part of the inner Circle.BucEyedPea is obviously part of the inner Circle.BucEyedPea is obviously part of the inner Circle.BucEyedPea is obviously part of the inner Circle.BucEyedPea is obviously part of the inner Circle.BucEyedPea is obviously part of the inner Circle.BucEyedPea is obviously part of the inner Circle.
  Reply With Quote
Reply

Thread Tools
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is On

Forum Jump




All times are GMT -6. The time now is 09:37 PM.


This is a test for a client's site.
A new website that shows member-created construction site listings that need fill or have excess fill. Dirt Monkey @ https://DirtMonkey.net
Powered by vBulletin® Version 3.8.0
Copyright ©2000 - 2014, Jelsoft Enterprises Ltd.