So I am sitting @ work eating Raisinets and playing Fruit Ninja (business is kinda slow ya know)
-slipped downstairs for some java to write this post because it is oooohh so important-
Americans make horrible savings/investment decisions - and that's people who actually work for a living!!! So do you ever worry or better yet advise these women "hey I hope you are investing and saving that cash, baby? ***Once said to a female co-worker "Thanks baby" and let me tell you the shit hit the fan with the boss and HR - Damn, I guess YOU have come a long way, baby*** RT Says - If a vampire bites a zombie and the zombie bites you do you become a vampire or a zombie
re broke in a few years. I agree...people in general below a certain age make horrible financial decisions where investments are concerned. You've got providers LEASING 2 vehicles a month, who live in a damn apt. They have zero net worth, money only in a savings account that gets shit for interest, spending thousands of dollars on freakin shoes, and some living on the damn govt.
My father always told me you can't go wrong with Real Estate, and he was right. I am not talking about flipping houses, though that has made some millions, but just owning a home so you have some type of capital that will increase in value, and that you can borrow money against should you need it.
I've never in my life paid a car note, and never will. Before I had a child I spent money like crazy, but it was usually on other people and not myself...that's just how I am. I was always the one who paid for dinner, trips, hotel rooms, etc. because my friends are broke! As a result, I got into serious debt, and it took me 5 years to get out of it. After I had a child, that shit was over with. Now, I make wise decisions and though I slip up on occasion and purchase something stupid, it's not every damn month.
There is no shame in talking to a financial advisor. The money you spend for their counsel, will be a hell of a lot less than what you will lose by not having the knowledge. I think that is your main point...people simply do not KNOW what to do with their money, and how to make it work for them.
my to do list.
Yea London.
Let me know next time you are in Cleveland.
You will have the time of your life!!!!!!!!!!!!!!!!
Shut up, you crazy fool. We BOTH know sexually, we are not a match lol.
Their money is their money.... I'm not so sure that all of these women are making as much as we think they do. We just see the per hour cost but we don't see the expenses. Let's say that she has two appointments a day @ one hour each @ $300/hr. Let's say she works five days a week. 5 days/week x 52 weeks = 260 days x $600 = $75,000 minus taxes (yes, it is probably in her best interest to pay taxes), medical expenses, clothing expenses and other expenses. That's a conservative estimation but the point is that the women probably are not "swimming in money". $75K before taxes and expenses is pretty good, though. I would hope that some of that money would be put away for the future like I would hope every working person would do but.... It's her money!
Yes, and don't ever assume that the majority of providers are working 5 days a week, seeing 2 guys a day. That's crazy. It happens, but it's not the "norm." I might see one guy a damn WEEK...most ever in the last 2 years, was 4 a week. When I used to tour, I would see double that, but I would also only work every OTHER week. This is far from a predictable or "steady" business...it is always up and down.
Most providers who have another income, only do this part time, and see less than 5 guys a week. We are not even making 8k a month in many cases, and yes...after taxes and health insurance, that's not all that much if you live in a place like NYC or LA. In New Orleans, you can have a 3000 sq. ft. home for less than 2k a month. You can have waterfront for less than 3k..it's awesome!
I remember the years when I was "swimming in money" but that is long gone since 2009. The markets have changed, and are flooded in places like NYC and Chicago. There is more competition, more women coming into the biz to supplement income, etc. It's not like it used to be. I remember a time when my agency would pull in 100s of calls in a month...now, it's not even a fourth of that.
Fact is, many providers start in this business new, and think that cash flow will last forever...it won't, so you better do something with your life while you are here.
IF we don't know what to do with our money, that is on us, not you! Don't offer advice unless you heard that the next product by so-n-so is going to be a hit and you should buy stocks now (and can back it up).
As a college student I have been drilled. to. the. bone. about all things finance and budget-wise. What to spend on, save on, splurge on, and hold off on. But in the end, it is up to me to implement the things I have learned. If ladies haven't learned these things, their first step would be seeking financial advisement to discover how to become more productive. They have to WANT to change their lifestyle. A client's remarks about how she spends her money will not phase her lifestyle.... old habits die hard. Maybe if you are a good friend she will listen but not on the first date. I would laugh! You don't know where the lady you are visiting is on the financial-spectrum, and I think its proper date etiquette to keep out of it...
LMAO..yep. That would be like us preaching to HIM about spending countless dollars on ASS vs. putting that money into his own family. Pot meet Kettle. SEX with HOOKERS is not a damn investment, nor is it spending money "wisely." Ouch!
-- Modified on 4/3/2013 12:10:16 PM
Sometimes an investment is neither wise or prudent . . . But if it makes you feel good - it's worth it!!
)
Vampires don't bite zombies. Vampires drink human blood, which is no longer coursing through a zombie's veins.
Nor do you become a vampire simply by being bit; you may come under that vampire's hypnotic control, depending on what story you read, but you don't rise as a vampire unless you die after he drains you of blood.
Again depending on which story you read, you might become a zombie after the slightest little skin tear from his teeth, or you might only turn if you die from having your throat torn out by a zombie. But vampires don't enter into that equation.
Being that I am fat, and hairy I think I would be the result!
Here's my profile pic..
Whatcha think
In order to drink human blood you have to bite the person first.
Zombies are the walking dead.
Thus they do have blood coursing thru their veins. (that's why they bite you to get more)
If the vampire bites a zombie the zombie becomes a defacto vampire.
Ergo when the zombie bites you - you become a vampire.
Elementary sir. Elementary.
-- Modified on 4/3/2013 1:28:44 PM
Metrosexual blood suckers
Aren't you from New Orleans??
Anne Rice.. Those are real vampires.
New Blood too. Fake ass vampires would get their butts kicked by Marius, and Armand.
I can't believe it!! So many people forgot about The Vampire Chronicles once this crap came out.
Okay The Queen of the Dammed sucked.
But the book was awesome
Brad Pitt with slicked-back hair sucking Tom Cruise's...
that's your bible?
Nosferatu? Dracula? Vlad the Impaler? Hello?
Christ, Buffy knew more about vamps than you clowns, plus she had her
keen fashion sense going for her.
Salem's Lot might have been a shitty made-for-TV movie, but at least Stephen King did his homework.
The movie does not do the books justice.
Ok you got me..
Hey! A little fact for you..
In Transylvania Vlad Dracul is a national hero
kept the bad guys away
I tried to read Anne Rice and for some reason, just could not get into it. Strange, because I am a glutton for all things sci-fi, horror, and such. I had a similar reaction to 2001: A Space Odyssey. Great sci-fi movie, right? I fell asleep trying to watch it not once, not twice, but three times - while Tank Girl, Barb Wire, and even Barbarella kept me "up" for the whole movie. Go figure
Zombies do NOT have blood "coursing" anywhere. It is dead tissue, just like the rest of their dead body, and it is just sitting there pooling inside the dead body. Zombies do not bite you to get blood, they bite you to eat your flesh.
The vampire, AGAIN, would not bite a zombie because the zombie is dead, filled with dead blood. It has no soul for the vampire to take. And the zombie will not become a vampire, because it would have to die and then be risen - but it is already dead, so that ain't happening.
A zombie does not "bite" you, it tears and eats your flesh. A zombie cannot turn you into a vampire.
Bella (Kristen) cheated on him, and now he is texting me. I don't dispute your little thesis on Vampires vs. Zombies...no shit the two don't mix. If a Vampire bit a Zombie, it would do nothing at all. Even when a vampire bites another vampire, they almost gag because of the poison running through their bodies...Eclipse Biaaatch!
-- Modified on 4/3/2013 2:05:57 PM
On Twilight, they bite, but don't actually drink and you see them almost pass out
-- Modified on 4/3/2013 2:45:11 PM
And good Lord, no I have never asked. That is just assinine.
But I have had a fair percentage of providers offer that they are catching up on paying/paying down or trying to pay off early their student loans.
I say kudos...especially given the escalating default rates.
Yep, student loans are a bitch, but no way in hell I could have paid for my education from providing. I would have had to fk 20 guys a month, and had no time to even study much less go to class. I also went to a private school for the last 3 years, which grants were not a part of. I had grants all through undergrad, which were a God send. Still, I owe a shitload!
Federal grants
State grants
University grants
TONS of scholarships
Work for study
Paid internships
Asking your family
Asking your friends
Getting guys to pay for your lunch and do your homework
Really though, who is silly enough to get a student loan when there are so many options out there for free money?
But I have had a fair percentage of providers offer that they are catching up on paying/paying down or trying to pay off early their student loans.
I say kudos...especially given the escalating default rates.
Again, who wants to have to fk 20 guys a month to pay for school and not have time to study or go to class? Or, work 3 jobs to also accomplish that. Add to that, when you have a child to raise, you can't exactly live in a one bedroom shack...they need a HOME in a SAFE area. That is where your money goes, that is being supported by student loans and grants during your educational years.
I support anyone who does whatever it takes to further their education. Be it loans, grants, or both....more power to them. Education is an INVESTMENT, just like a mortgage. You would not think getting a home loan was crazy, so neither is a loan for education in a private school. Not every degree is the same, nor does it carry the same weight according to some companies. I will also disagree that there is so much free money out there.
You are only allowed x amount in grants plus loans, then you have to pay the rest. You're talking 25-50k a YEAR for some schools that you have to come up with in addition to grants. A Bachelors degree usually allows you around 56 k in loans (grants not included which are only about 5k per semester) over 4 years...after that, you have to work on a Masters degree to get any more money. One year alone at a private university can cost that. Had I paid for college outright, I would have had to make over 100k a year to pay tuition, a mortgage, and books....where am I supposed to live? The trailer park? Ha. Also, if you pay for your education you also better be paying taxes on every dime you pay out of pocket, because you have to explain how the hell you can afford 50k a year on education. Nope...it was in my best interest to appear broke.
"Who would be stupid enough to get a loan?" Maybe some 18 year old who does not want to turn tricks to get through college? Not every woman is willing to do what we do...let us not forget that. No way in hell I was ready for this lifestyle before I hit 25..no way. I would have been here pretty much out of desperation, at that age.
-- Modified on 4/3/2013 2:57:02 PM
First of all, there's no need to go to a private school.
I beg to differ that the quality of education is much better than that of top-rated public universities.
The amount of money you invest towards getting a Bachelor's at a private university is probably more than what you would invest into getting a Master's or Doctorate at a public university, depending on the schools.
Going to a top private school is mainly for the prestige and to say you've gone there.
Let's not forget, it's not what you know, it's who you know.
Going to a private school doesn't guarantee or promise you anything special.
It's a huge risk, and your investments will take a long time to pay off (if they do).
You're not going to be doing substantially better than those who go to public universities.
By the time you pay off your debt, it's just not worth it.
I support anyone who does whatever it takes to further their education. Be it loans, grants, or both....more power to them. Education is an INVESTMENT, just like a mortgage. You would not think getting a home loan was crazy, so neither is a loan for education in a private school. Not every degree is the same, nor does it carry the same weight according to some companies. I will also disagree that there is so much free money out there.
You are only allowed x amount in grants plus loans, then you have to pay the rest. You're talking 25-50k a YEAR for some schools that you have to come up with in addition to grants. A Bachelors degree usually allows you around 56 k in loans (grants not included which are only about 5k per semester) over 4 years...after that, you have to work on a Masters degree to get any more money. One year alone at a private university can cost that. Had I paid for college outright, I would have had to make over 100k a year to pay tuition, a mortgage, and books....where am I supposed to live? The trailer park? Ha. Also, if you pay for your education you also better be paying taxes on every dime you pay out of pocket, because you have to explain how the hell you can afford 50k a year on education. Nope...it was in my best interest to appear broke.
"Who would be stupid enough to get a loan?" Maybe some 18 year old who does not want to turn tricks to get through college? Not every woman is willing to do what we do...let us not forget that. No way in hell I was ready for this lifestyle before I hit 25..no way. I would have been here pretty much out of desperation, at that age.
-- Modified on 4/3/2013 2:57:02 PM
Just because the money is "available" does not mean that everyone can get it...you have to APPLY for scholarships based on your grades in high school, honey. Then, you have to be chosen amongst thousands of other applicants. I went to a state school for undergrad, and a private one for grad school, and once again...it was an investment. You are seriously naive to think some companies are not just as "superficial" as people are...they very well are, depending on which field you go into. So, I won't debate the whole private vs. public thing, because it's subjective.
Someone going to school online their entire time, is not viewed as "equipped"as one who went to school on ground...most major employers will tell you that. You can CHEAT online, the shit is open book, and it's easy to get someone else to take tests for you...can't exactly do that in a classroom.
Just because you think that someone can get all of their schooling paid for, does not make it accurate. You simply do not know what one has to deal with otherwise while in school. I do not know ANYONE other than a few gifted ones, or certain ethnic groups, who had their entire college education paid for...not ONE person! Every single person I know had to pay money either out of pocket or borrow money...grants do NOT cover you for shit. Even at a public school, they only cover about a third. That's a fact...look it up.
A white middle class person, can't get a free education unless they play sports to get a full ride, or have seriously good grades. I had a C average in high school...who the fk is going to GIVE me anything? Nope sorry honey, some people don't have it that easy. Single mothers now, can't even get it paid without loans...you're off on this. A grant is only per semester, and it NEVER covers the entire cost of tuition. I finished in 2011, so it's not like I am talking about things that happened 10 years ago. If it were that damn easy to go to school for free, EVERYONE would be doing it
Bottom line, is anyone wanting to further their education (regardless of how), my hat goes off to. Medical Bills are the TOP debt people owe today, not student loans. You can't just say that a woman should just become a hooker...that's bs. I have friends who would pick up garbage, before ever doing this. All I am debating is that all costs are NOT covered, for white, middle class people and I have the facts to back that up. Once again, if you are not in the top 5% academic wise or play sports, you're not getting much scholarship wise...maybe 1000. Wow, covers what..ONE class these days, and that is at a public school?
I really don't think you have ANY idea how much it costs to go to school TODAY...that's the problem. 10 years ago when I was in undergrad it was less than 5k a semester. The average class TODAY is 1000 per credit hour...that's like 3k A CLASS, not a semester. That's undergrad! I don't know where you are getting your info. from, but it's not accurate at all.
-- Modified on 4/3/2013 4:06:40 PM
Not all scholarships are based on grades, they are also based on need.
Plus, if it were solely based on high school grades, why would someone who doesn't get good grades decide to go to a private university? How would they even get accepted in the first place?
Companies don't hire all the same grads from the same school or region in order to maintain workplace diversity.
Plus, there are literally thousands of places to work for and tons of different positions to start off as depending on your field.
Companies want you to work for them.
Did you ever go to a career fair at one of your schools? There are literally 50-100+ venues with information, all eager to have grads-to-be consider their company. Most are Fortune 500 companies with available internship positions, and about 60% of interns at my school ended up getting a full-time job afterwards.
I never mentioned online schools. Yes, cheating is common due to the nature of online schools.
And of course you can still gain an advantage at regular schools.
Examples include: asking postgrads, upperclassmen, people who have taken the class or test already, buying previous tests from previous students, etc.
My main points were private vs public university, and how public universities are superior investment-wise since you could get a Master's or Doctorate for the same price of getting a Bachelor's at a private university.
My college education was paid for in full, in fact I even got money back each semester due to the amount of money out there and my excellent writing abilities in the required essay for scholarships. So there you have it, now you know one person. It's not that uncommon.
I just looked up the average debt for grads at my school.
About 40% of students graduated from my university with $0 debt.
Someone going to school online their entire time, is not viewed as "equipped"as one who went to school on ground...most major employers will tell you that. You can CHEAT online, the shit is open book, and it's easy to get someone else to take tests for you...can't exactly do that in a classroom.
Just because you think that someone can get all of their schooling paid for, does not make it accurate. You simply do not know what one has to deal with otherwise while in school. I do not know ANYONE other than a few gifted ones, or certain ethnic groups, who had their entire college education paid for...not ONE person! Every single person I know had to pay money either out of pocket or borrow money...grants do NOT cover you for shit. Even at a public school, they only cover about a third. That's a fact...look it up.
You can get into any school that you apply yourself to get into. Just because someone does not TRY in high school, does not mean they won't excel in college when it is something they WANT to do. You have to pass an entrance exam to get into undergrad and the GMAT for grad school...if you pass, you're in! Maybe you're 50 or 60, and back then your costs were covered, but that's bs for today unless once again, you are REALLY smart, play sports, or of a certain ethnic group. I am not going to argue about what it takes to go to school TODAY, when you've not been in school for however many years. I know that all costs are not covered, and it is not that easy...end of story. Mommy and Daddy are not always there to help out, and some people have to actually work 2 jobs whilst trying to go to school. Not all of them are hookers, and even still...who wants to fk that many guys?
I chose to invest in a private school because I got in...I still did not have even HALF of my costs covered in undergrad...did not turn tricks either to be able to SAVE UP for it. It's simply idiotic to suggest that one who cannot get their school paid for, is stupid for getting a loan...what's stupid is not going to begin with.
Good for YOU that you had your shit paid for...not everyone is that lucky. I can also bet, the costs were nowhere near what they are today. Get real. I know single mothers with THREE kids who still can't get their entire education paid for...that's bs! It is not that easy today. Done.
For finishing with the least amount of debt.
And, like I have said, more than 40% of graduates finish with NO debt, meaning costs are covered in full.
You said that it's impossible today for someone to have costs 100% covered, and that's not true.
So, there's nothing to argue. You're telling me I"m wrong when I'm not.
Yes, you "can" get into any school you apply to... IF you meet the minimum qualifications (SATs, GPA, etc).
And this is not only about me. There are other "lucky" people. In fact, many.
I'll repeat: 40% of students who graduated from my top 10 in the nation school in 2012 finished with $0 debt.
That's as real as it gets.
The statistics were published through my university and other news sites have covered it.
If you're interested in the articles, I can send them to you.
I chose to invest in a private school because I got in...I still did not have even HALF of my costs covered in undergrad...did not turn tricks either to be able to SAVE UP for it. It's simply idiotic to suggest that one who cannot get their school paid for, is stupid for getting a loan...what's stupid is not going to begin with.
Good for YOU that you had your shit paid for...not everyone is that lucky. I can also bet, the costs were nowhere near what they are today. Get real. I know single mothers with THREE kids who still can't get their entire education paid for...that's bs! It is not that easy today. Done.
Your reality is NOT everyones.
Just saying 
http://finance.yahoo.com/news/colleges-that-lead-to-the-most-and-least-debt.html
Just saying
I was replying to Natasha's post commenting on 99% have Mom and Dad paying....I wanted to see where those stats came from.
Sound's like a job for a CPA
so I gave you the link to the debt article.
Sound's like a job for a CPA
So you just proved yourself wrong in your argument with London. lmao
Not that your list proves anything.
It's a fact that student debt is crippling a huge number of people. Student loan debt is at an all time high because tuition - even at public schools - has increased dramatically, and available financial aid has gone down. I'm not going to take the time to find the articles proving it because the subject matter has been reported on ad nauseum and the articles are easy enough for any moron to find without me having to waste time finding them for him.
-- Modified on 4/3/2013 5:19:43 PM
Do you even know what our argument was about?
She's saying you pay more debt by going to a private university than a public university.
Therefore, I proved her wrong.
My point was that all expenses and tuition "can" be paid for.
And she said it's BS for private schools.
Lo and behold, half the schools in the least debt category are private schools.
Nice try, though.
This is why you have debt and why I went to a top 10 university.
You weren't able to grasp the argument.
Not that your list proves anything.
It's a fact that student debt is crippling a huge number of people. Student loan debt is at an all time high because tuition - even at public schools - has increased dramatically, and available financial aid has gone down. I'm not going to take the time to find the articles proving it because the subject matter has been reported on ad nauseum and the articles are easy enough for any moron to find without me having to waste time to find it for him.
Among each university is a percentage of students who graduated with $0 debt, which you'll have to research for each university listed there.
Again, nice try.
-- Modified on 4/3/2013 5:27:56 PM
I've remained calm the entire thread and just stated facts.
You and London started the name calling (ad hominem).
-- Modified on 4/3/2013 5:27:56 PM
Ok, now I know who you are lol. You are the ONLY so called Top 10 schooler, who still uses a fkin freshman "Ad Hominem" throw back lol. BUSTED!
A rich mommy and daddy, a scholarship for academics or sports, is not had by the average, hard working, single mother, which is the fkin demographic I said could not just get all their costs covered. Thanks for showing YOUR education, Natasha.
That is all.
If the average single mom could get into fkin Yale, of course they would have a free ride. I went to private school without ANY fkin scholarship offered to me! What part of that do you NOT get? I had to get a loan to go there...end of fkin story, and no I am far from stupid for investing in my education! You insulted any woman who had to get a loan to go to ANY school...YOU called her stupid, just because you have a silver spoon up your ass. Well...you're here, and we are here so I would say you're no brighter than anyone else. You're blowing money on HOOKERS, and you call student loans "stupid?" Who is making money here, and who is spending it? OH, DAYUM!
-- Modified on 4/3/2013 5:43:42 PM
More ad hominem.
Indicative of a weak and failing argument.
No shit, Sherlock..this is not debate club, it's a fk board, and one in which you insulted every single mother because she was "stupid enough to get a loan to further her education" that mommy and daddy, did not pay for! DO YOU OWN YOUR HOME OUTRIGHT? If not, you are a fkin idiot as well. You were the one who called people "stupid" in your FIRST POST, so lookie here...take your freshman fallacy bs, and stick it up your ass!
you don't use knowledge you learn from a certain class level once you reach another level?
I'm using what applies.
You're the one getting angry, not me.
What? My argument from the start was against YOU calling 'everyone' and 'anyone' who had to get a loan for college, stupid. You did not specify which class of people, you said "anyone." Then, you went on to say that it was easy as pie for ANYONE to go to school debt free...wrong on all counts. It is not possible for anyone, or the average working class person who is raising a family. I further illustrated that a single mother with 3 children, is still not able to go to school debt free, unless of course...per your suggestion, she becomes a hooker at 18. No thanks. I will pay back my loans and keep my sanity for not fkin old men when I was only a child myself. I am an adult now, and not going to prom tomorrow night.
You can't get in unless you are a fkin scholar to begin with, which PROVES my damn point! The average person cannot get their damn school paid for in full with zero out of pocket costs. It is asinine to say otherwise, but let him/her have at it. He/she has not been in school for 20 fkin years! I doubt is a single, white mother, either. Get a fkin clue! Not all women are willing to turn tricks to get through college. Not all women with 2 and 3 children CAN work 3 damn jobs either. Keep the silver spoon shit for people it applies to...it does not apply to the hard working, single mothers who know you are full of shit on this!
I call bullshit on his post and it was probably fking 30 years ago.
It lists the top 10 schools with the most and least debt.
Among each university, there's also a percentage of graduates that graduating with $0 debt, meaning they didn't have to borrow any money, meaning it was 100% paid for in full (scholarships, grants, parents, etc).
You can't possibly be this dense? How many hookers can get into Princeton? How many can get a free ride totally? Here is a fkin clue...2 out of 3 hookers would not be doing this to GET THROUGH SCHOOL if it were that easy! Damn! You are not a female, you are NOT a single mother, and you are most certainly not someone who went to school in the last decade! Grants allow x amount a year, you have to be seriously lucky to get a scholarship that is worth more than 2k, and loans cover the rest. Tell your mommy and daddy to support all the hookers who had to get loans, or stfu! Your argument is retarded that "it is stupid to get a loan." Do you own a home? If not, you're stupid too I guess.
-- Modified on 4/3/2013 5:32:58 PM
But I can tell you that I have assisted many folks over the years with their FAFSA and CSS applications.
Not to mention that many of these folks kids get serious grant money on an annual basis.
Where you're coming up with these limitations is puzzling.
Each school has their own ability to aid a student. And in each case there are reasons why a school will or won't assist.
-- Modified on 4/3/2013 5:32:58 PM
Corretamundo, and it is based on what? INCOME! The more taxes you pay, the less money you be getting. If someone paying ZERO taxes only gets a third of their tuition paid, how much do you think someone paying 50% gets? This is 2013...the average cost of a 4 year degree at a shit school is still over 50k. Grants cover about a third of that. If you choose to sink money into a HOME vs. rent during that time, you are getting student loans. Thanks, but I will take the house and then pay back my loans for as low as 100 a month lol.
and I had grants and (partial) scholarships. And now I also have student loans that I am STILL paying off, more than a decade after graduating, mostly because I had to defer them for so long in the early days when I wasn't making shit at my 'entry level' jobs. I was a single mother putting myself through school -- my daughter was 5 when I graduated, and there was no way in hell that grants and scholarships came anywhere near covering the costs. And as a single mother there was no way to start paying them back right away either.
I'd love to live your world, but it simply is not reality
Go to college, they tell you. And, graduate with high expectations, no job skills, and 100k in debt!! To loosely paraphrase a line from Toni Morrison, liberal arts education did for me exactly what it was meant to do: it unfit me for 90% of the world's useful work, first by not teaching me any useful skills, and second by a clear implication that one is too good for such work. I have yet to paraphrase Toni Morrison in any more of a useful context than this d-board, altho I do love her writing. Should have been hooking back then...I could have traveled, dabbled, learned about the WORLD instead of just damn books.
My current job (which is self-employed stuff I started a year ago), I learned from google, library books, the For Dummies series, youtube and lynda.com tutorials, and most importantly, effort and trial and error. I forget most of what I learned/read in college (altho I quoted Toni Morrison, that was from my own personal book stash).
It may have worked for previous generations, but things have changed a lot.
I agree to an extent, but I will say that even with a damn Masters Degree, I know those who make more running their own business with NO college degree. Without 5 years experience, 60k in my field to start. What's that after taxes? Look where I'm at lol. Just saying.
While I did have ONE job that required a B.A. (before escorting), I've made far more from my 'For Dummies' and 'Wikipedia' education. My current career path, derived from no degree at all, has more potential, and interestingly, more intellectual challenges. (My other job was people-skills-oriented grunt/bureaucratic work, basically). Getting a Master's would have NO bearing upon my future projected earnings, unless I completely switched fields and did a math/science/tech major. It might even make me more unemployable.
BUT, it will take a while more before I ever make a lot, if that ever even happens. And who knows if it ever will. I work very hard, but hard work isn't always enough.
So, if I had to do it again...I'd skip college to hook and travel, take classes and figure out what I'm really suited for in the real world. THEN I'd go to school and have a definite plan for when I graduate.
My point about it being a fairy tale is that people tell you to study, study, study and get that piece of paper. And then everything will be fine. It's a societal message. But for me (liberal arts girl), it didn't work that way, and for a lot of my friends too. I'm one of the only of my friends NOT living at home, and that's because I'm the only one willing to suck cock for $$$$, lol.
a few of my friends did get their masters degrees (in liberal arts type fields). They are the ones still at home, because they're crushed by loans and underemployed. A lot of us are doing jobs that, while they do require some smarts, don't require a degree.
I don't have any friends that didn't go to college, so I can't compare
I think it's very good at giving a wide array of knowledge about life -- literature, history, writing, current events, cultures, fostering a curiosity about the world, learning how to research, etc. I would even submit that it makes you a better escort because men probably find your ability to converse and connect with them better than someone who is not educated.
I do agree that the degree may not lead to high paying jobs, but I'm not sure that 'learn to earn' is necessarily a great mentality either. There are a lot of people making lots of money, but they are miserable and hate what they do. I don't want to be like that.
I just think the degree shouldn't be so freaking expensive to get. It didn't used to be. In the 50s my father got a history degree that he paid for on his own and without debt (then he got his MBA to actually earn a living - lol). But by the time I was in college in the 90s the possibility of graduating without debt was no longer a reality.
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that I am naturally an avid reader, as are many people attracted to liberal arts. So, the education I picked up for 100k, I could have picked up from my local library. Or google, since all the syllabi at my school are available online. The research/writing skills I picked up...I already knew in high school or could have picked up at any point, with some persistence and innate curiosity.
I totally agree with you about the price. My dad worked his way through school as a busboy. Impossible today!! When I was an undergrad, 28,000 was considered outrageous. Now, 40,000 is the norm not even 10 years later. It's just out of control, and not worth the price.
I'm in the wrong business!! I should pick something that's subsidized by loans. Maybe Obamacare will see the value in some 'sexual healing' lolol and start giving clients insurance $$ for sessions (just kidding about this but wouldn't it be great?? )
After reading your diatribe it's pretty clear that you fall into the group that was expecting something handed to them. As all young generations seem to feel entitled to. None are, and eventually most figure that out. The others end up bitter and disillusioned.
But if you look at the long term prospects of lifetime earnings, a degree gives "most" the opportunity to create wealth. Some may accomplish that without any formal training...but those seem to be the outlier.
And as you posted now you believe you can be one of them.
Good luck with that.
The last time I checked, the harder I worked the luckier I got. But my first order of business was to get my education. That gives me the chance to know how to get lucky LOL
And I see that pattern continuing on with todays generation. What a shock!
My current job (which is self-employed stuff I started a year ago), I learned from google, library books, the For Dummies series, youtube and lynda.com tutorials, and most importantly, effort and trial and error. I forget most of what I learned/read in college (altho I quoted Toni Morrison, that was from my own personal book stash).
It may have worked for previous generations, but things have changed a lot.
Hard work and smarts should be rewarded was my mantra. It was what I truly believed until I was about 26.
I accept responsibility for my future at this point. Which is why, rather than grousing, I've applied myself elsewhere. Because, like, what else am I supposed to do? Besides suck cock.
The fact that hard work might not pay off in my current career is not lost upon me, at all. Trust me on that. But, what else am I supposed to do? Give up? Or work harder? Those are my two choices.
So far, hard work in my current field has taken me much farther than I expected in a little less than a year. And, I have more control over how far I go (in some regards). So, I'll stick with it. I'm encouraged by what's happened so far, which is more than I can say for anything else. And, I like what I'm doing right now. Again, what else is there to do? Many of my parents' generation made their $$ doing something that does not require a degree even if they do have one. My work can be either degree-based or freelance. Plenty of people are self-taught, but some go to school as well. It's the work you put out that speaks for you. So I have more potential there. Again, I might be falling for the myth that if I work hard, I'll succeed. But it's the first time since sucking cock and getting 9's that I've actually had DEMAND for my work. That's a start.
But, I'm still sucking cock, so there's your answer If I'm not still here in another year, then have a nice glass of wine and a cigar for me, because I'll have made my first million. That IS just a joke.
In my generation, a degree is a key to wealth (or stability, or full-time employment and benefits) for VERY few. Only the ppl who knew EXACTLY what they wanted going into school, in the fields of math/science/tech/medicine, and stuck with it.
It's a generational thing as much as my own quandry.
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Any asshole can get one. All it means is that one had the intestinal fortitude to trudge through many meaningless and boring classes on theory.
But if someone can do that...the document proves that you are one who has that fortitude. And may invariably open doors that would otherwise be closed.
But education is a lifelong path. It doesn't end on graduation...at least in most professions. The amount of CPE that I and others in various professions take annually is important to continue to broaden our scope of expertise. And that's in nearly every profession I am aware of.
So if the piece of paper you earned is helping you in knowing where to find the nuggets in your new endeavor, then that hard work is indeed paying off.
Many people earn degrees in whatever, and never work in that field. But it doesn't preclude the fact that those years in college trained them to achieve more greatness.
Make sense?
I accept responsibility for my future at this point. Which is why, rather than grousing, I've applied myself elsewhere. Because, like, what else am I supposed to do? Besides suck cock.
The fact that hard work might not pay off in my current career is not lost upon me, at all. Trust me on that. But, what else am I supposed to do? Give up? Or work harder? Those are my two choices.
So far, hard work in my current field has taken me much farther than I expected in a little less than a year. And, I have more control over how far I go (in some regards). So, I'll stick with it. I'm encouraged by what's happened so far, which is more than I can say for anything else. And, I like what I'm doing right now. Again, what else is there to do? Many of my parents' generation made their $$ doing something that does not require a degree even if they do have one. My work can be either degree-based or freelance. Plenty of people are self-taught, but some go to school as well. It's the work you put out that speaks for you. So I have more potential there. Again, I might be falling for the myth that if I work hard, I'll succeed. But it's the first time since sucking cock and getting 9's that I've actually had DEMAND for my work. That's a start.
But, I'm still sucking cock, so there's your answer If I'm not still here in another year, then have a nice glass of wine and a cigar for me, because I'll have made my first million. That IS just a joke.
In my generation, a degree is a key to wealth (or stability, or full-time employment and benefits) for VERY few. Only the ppl who knew EXACTLY what they wanted going into school, in the fields of math/science/tech/medicine, and stuck with it.
It's a generational thing as much as my own quandry.
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I do get what you mean. One of my ancestors worked in a factory. In spite of the fact that he was highly intelligent, he was not ever able to progress past his lower-level management position. He knew that there were ppl dumber than him working above him, just because they had a damn piece of paper. It pissed him off, and he made sure his kids got that piece of paper.
My feeling is that people who have 'intestinal fortitude to trudge through many meaningless and boring classes on theory' would eventually trudge through somewhere. But, I agree w/u, maybe not at their full potential due to lack of opportunity that a degree might have earned them.
While I push my skills and not my degree (I don't mention my degree), most of my business is word-of-mouth at this time. And most people who recommend me by mouth also probably mention my degree in passing. So, while it might not qualify me any more or less, it is something that opens doors for me that I might not realize.
BUT, I still insist that MOST of what I learned in college, I could have picked up by working hard at something else. It DID make me a better reader, I admit that.
I'm not saying college is useless. And I'm not blaming my sitch on my degree...more the lack of maturity that led me to choose my particular degree and some other choices I made. But it IS a myth sold to so many people my age... work hard, be studious, GET THAT PIECE OF PAPER, and you will be fine. So powerful a myth that ppl spend 40k per year and that number will only rise.
Don't get a loan, just get the white trash and idiots buying lottery tickets to pay for your college tuition.
In GA and many other states, the lottery is used to pay in-state tuition and some expenses for good students. The mega-millions, scratch and win and other bull shit sales go to pay for the scholarships.
It is a govt. run method to keep the dumb dumber and widen the gap between the educated and idiots