student loans are a hit!

[unsunghero]

Originally Posted by loramin [You must be logged in to view images. Log in or Register.]

Nobody has to tell black people the country is racist: they know it from a lifetime of racist experiences.

Yea Jaden Smith has had such a racism-riddled, terrible life

Black conservatives, especially those from the middle class, seem to give a very different “lived experiences” (I hate this phrase) picture

Your income matters infinitely more for your quality of life than your race in modern America

[Ooloo]

Originally Posted by loramin [You must be logged in to view images. Log in or Register.]

Nobody has to tell black people the country is racist: they know it from a lifetime of racist experiences.

Oh give me a break. This right here is the problem. I know many black people and not a single one of them has ever expressed this attitude. I only hear it from white libs and racial grievance vultures like al sharpton.

Why did jussie smollet have to literally invent a completely retarded fake hate crime? Shouldn't he have had many real ones to complain about? Oh wait he's a black insanely rich actor. The white supremacy system of structural oppressions skipped over him I guess?

Boy I wish I could be as oppressed as all those famous black actors and presidents and athletes and musicians who only make millions of dollars here in racist america.

Stop telling black kids they can never make it when that is *obviously* untrue. You're not helping.

[Landroval]

A college degree, depending on college prep accomplishments in high school, requires 4 to 5 years to accomplish.

A Roth-IRA account requires a 5 year investment horizon on contributions (moneys deposited into the account) before the original contributions are able to be withdrawn without distribution penalties.

Student loans do not accrue interest until 6 months after your graduating semester and then accrue interest at roughly 3% over the federal interest rate set at the time they are borrowed.

The average rate of return on investing in the S&P (SPY ETF) over the past 20 years is 10.05%.

Therefore, I am advising my daughters to apply for a ton of grants and scholarships to where all their college and living expenses are covered AND to max out their student loans specifically so that they can deposit the loan money directly into their Roth-IRA, because if they apply for PAYE, or REPAYE (income-driven repayment program) they'll pay like 95$/month on the 30k in loans, and five years after they graduate a 10% compounding interest on 3750 invested twice annually, will have the balance at approximately 63k five years into their career, in which they can just withdraw the 30k in contributions tax-free, and pay off their loans in full while netting 33k in profit for their retirement which they can borrow 10k against for a first-time home buyer

[Lune]

Originally Posted by loramin [You must be logged in to view images. Log in or Register.]

Actually, abortion has been shown to massively reduce crime: see Freakanomics.

The short version is that abortions reduce unwanted children. Unwanted children are more likely to become ... [You must be logged in to view images. Log in or Register.] ... criminals.

Yea I was being sarcastic.

"“The unborn” are a convenient group of people to advocate for. They never make demands of you; they are morally uncomplicated, unlike the incarcerated, addicted, or the chronically poor; they don’t resent your condescension or complain that you are not politically correct; unlike widows, they don’t ask you to question patriarchy; unlike orphans, they don’t need money, education, or childcare; unlike aliens, they don’t bring all that racial, cultural, and religious baggage that you dislike; they allow you to feel good about yourself without any work at creating or maintaining relationships; and when they are born, you can forget about them, because they cease to be unborn. You can love the unborn and advocate for them without substantially challenging your own wealth, power, or privilege, without re-imagining social structures, apologizing, or making reparations to anyone. They are, in short, the perfect people to love if you want to claim you love Jesus, but actually dislike people who breathe. Prisoners? Immigrants? The sick? The poor? Widows? Orphans? All the groups that are specifically mentioned in the Bible? They all get thrown under the bus for the unborn.”"

[unsunghero]

Originally Posted by Ooloo [You must be logged in to view images. Log in or Register.]

Oh give me a break. This right here is the problem. I know many black people and not a single one of them has ever expressed this attitude. I only hear it from white libs and racial grievance vultures like al sharpton.

Why did jussie smollet have to literally invent a completely retarded fake hate crime? Shouldn't he have had many real ones to complain about? Oh wait he's a black insanely rich actor. The white supremacy system of structural oppressions skipped over him I guess?

Boy I wish I could be as oppressed as all those famous black actors and presidents and athletes and musicians who only make millions of dollars here in racist america.

Stop telling black kids they can never make it when that is *obviously* untrue. You're not helping.

The difference is a framing issue. The reason black conservatives aren’t reporting lifetimes of constant “he did a racism to me!” is probably because they’re not constantly looking for it, or associating a particular response to what might be due to another characteristic such as personality to always race instead

Of course Dems will say it’s because they’re either lying, too stupid to recognize all the subtle racisms and/or not numerous enough for their experiences to matter to anyone

Btw, talk about a minority population with few friends, black conservatives. But this is one case where a tiny marginalized population can go fuck themselves because they’re on the wrong side

[Ooloo]

Originally Posted by unsunghero [You must be logged in to view images. Log in or Register.]

The difference is a framing issue. The reason black conservatives aren’t reporting lifetimes of constant “he did a racism to me!” is probably because they’re not constantly looking for it, or associating a particular response to what might be due to another characteristic such as personality to always race instead

Of course Dems will say it’s because they’re either lying, too stupid to recognize all the subtle racisms and/or not numerous enough for their experiences to matter to anyone

Btw, talk about a minority population with few friends, black conservatives. But this is one case where a tiny marginalized population can go fuck themselves because they’re on the wrong side

Yeah the treatment of black conservatives is one of the more disgusting things in modern american life. They get it from all directions: black libs and white libs. If you actually care about the unfair treatment of black people in modern america, maybe look there?

There's nothing quite like seeing some 20 year-old white college junior tell Thomas Sowell (lived through jim crow) or Glenn Loury (lived through jim crow) or Clarence Thomas (lived through jim crow) that they don't know what it's like to be black in america. It's like the grossest thing ever.

[Lune]

Originally Posted by Landroval [You must be logged in to view images. Log in or Register.]

A college degree, depending on college prep accomplishments in high school, requires 4 to 5 years to accomplish.

A Roth-IRA account requires a 5 year investment horizon on contributions (moneys deposited into the account) before the original contributions are able to be withdrawn without distribution penalties.

Student loans do not accrue interest until 6 months after your graduating semester and then accrue interest at roughly 3% over the federal interest rate set at the time they are borrowed.

The average rate of return on investing in the S&P (SPY ETF) over the past 20 years is 10.05%.

Therefore, I am advising my daughters to apply for a ton of grants and scholarships to where all their college and living expenses are covered AND to max out their student loans specifically so that they can deposit the loan money directly into their Roth-IRA, because if they apply for PAYE, or REPAYE (income-driven repayment program) they'll pay like 95$/month on the 30k in loans, and five years after they graduate a 10% compounding interest on 3750 invested twice annually, will have the balance at approximately 63k five years into their career, in which they can just withdraw the 30k in contributions tax-free, and pay off their loans in full while netting 33k in profit for their retirement which they can borrow 10k against for a first-time home buyer

This is not good financial advice, this is why:

Originally Posted by Landroval [You must be logged in to view images. Log in or Register.]

Student loans do not accrue interest until 6 months after your graduating semester and then accrue interest at roughly 3% over the federal interest rate set at the time they are borrowed.

This is false. Federal unsubsidized student loans begin accruing interest immediately upon disbursement, at roughly 7%. Subsidized loans do not accrue until you graduate, but they are based on need. Your daughters will not qualify for subsidized loans basically if you are in any way contributing financially, which you will be if they are sticking all the loans they take out into an IRA or if you are filing them as dependents / they are younger than 25. "Advising" them to win grants/scholarships is not advice, it is a wish for achievement, and again they won't qualify for most of these unless they can demonstrate need or are stellar academically.

You also can't count 100% on the S&P 500 performing like that, especially not at 5 or 10 years, and you're gambling against a big fat student loan with 6-7% interest. Income driven repayment plans are not going to be $95 a month in payments, more like $200-$300 realistically, and at 5 years that $30k loan is going to be more like $45k unless subsidized.

The better advice imo is to have them do their general education basically for free at a community college and then transfer to a college or university to finish upper division coursework. They should only be going to prestigious universities if they are STEM, with some exceptions; otherwise they should find a much more affordable state school with a good program in their chosen major, and if they have great academics, these schools are also more likely to offer scholarships to headhunt them from more selective universities. Employers don't care about your undergrad unless you went to an elite uni or very locally renowned school, and they should vet the quality and quantity of internship/employer connections in a given program.

[arvidez]

"Actually, abortion has been shown to massively reduce crime: see Freakanomics."

"The short version is that abortions reduce unwanted children. Unwanted children are more likely to become ... ... criminals."

death penalty for the petty crimes they would have committed? harsh

minority report...i get it now

[Ooloo]

The term "unwanted children" is hilariously ghoulish. There are far more qualified families wanting to adopt children than most people realize.

Stop killing your damn babies, if you're too shitty and lazy or whatever to take care of them just put them up for adoption. It used to be "safe legal and rare" and now it's like some kind of leftist sacrament to actively ensure that your unborn baby is actually killed.

[Sadre Spinegnawer]

Originally Posted by unsunghero [You must be logged in to view images. Log in or Register.]

Again, I feel like I’m a broken record here, but in REALITY, prisons are not effective at rehabilitation, because permanently transforming a sociopath, or simply a pretty nastily brain damaged person, into a good citizen is really fucking hard. So because they are not rehabilitated, it’s safer for the public for them to be in prison and away from them longer

FIFY and yeah, you would expect we could do better. But as George Harrison sang, "Some things take so long..."

Anyone work in corrections here? Unless *they* are the sociopath (fact) I bet they all will say "yeah, so, you know, time is time. Give us stuff to fill their day, that's the single best shot we know. Content while they tick off the years."

Some places are so much lockdown, you basically are letting whatever sickness is in their head fester. Lockdown is necessary, but not for the vast majority of US prisoners. They need cell, lockdown times (lights out) and content and CO's who know how to keep people marking time level.

You can't make them good citizens, lots of times. A sociopath is always gonna sociopath, and a damaged brain --- I'm sure we all know of a few.

But the vast majority, just give a cell block and tables and cards and decent food and CO's that know how to run a trustee system, and at least there is "raw dignity" in doing the time. 60 days or 2 years or 20 years. Just a bit of due respect to them, if they do time right and level it every day.

Serious, cart before horse here. Let's put aside "rehabiliation" as something that at least requires "fair" time. Vast majority, folks. Just brothers and associated dregs caught with the gun during a stop, boom probation violation, boom 5 years.

House them fair. Rikers is a crime. Fact.