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-

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.  

Nothing like what I have seen, and I KNOW providers because I have ran agencies for over 10 years. Most providers talk a good game, and don't have a pot to piss in. They RENT vs. paying a mortgage, spend endless amounts of money on stupid shit that does not increase their net worth, and have to fk 3 guys a day, 4-5 days a week, just to cover 2 bills. I know providers who have been here for 10 years, and don't even own a damn car outright..that's pathetic.

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!

I know providers who have roommates, live in the ghetto, support a man, don't have a car (never mind leasing), drive lemons or attend M&G's hoping to make "rent" that evening. I'm surprised since most brag about being number so and so in their home area.  

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.  

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).  

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

Vampires don't bite zombies. Vampires drink human blood, which is no longer coursing through a zombie's veins.

Being that I am fat, and hairy I think I would be the result!
Here's my profile pic..
Whatcha think

If you passed 10,000 women on the street in NYC this week, would you see a prettier girl than Erica?  I am guessing most weeks, if not months, the answer would be "no".  

And good Lord, no I have never asked.  That is just assinine.

Sometimes an investment is neither wise or prudent . . . But if it makes you feel good - it's worth it!!
)

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!

my to do list.  

Shut up, you crazy fool. We BOTH know sexually, we are not a match lol.

In order to drink human blood you have to bite the person first.

-- Modified on 4/3/2013 1:28:44 PM

Metrosexual blood suckers

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.

Brad Pitt with slicked-back hair sucking Tom Cruise's...
that's your bible?

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

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

The movie does not do the books justice.

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

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

MOST agency girls (or former ones)  I've known are exactly like what you said. But, some indies I've known at least have goals, altho they tend to live extravagantly.

Don't get a loan, just get the white trash and idiots buying lottery tickets to pay for your college tuition.  

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.  

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.

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?  

For finishing with the least amount of debt.

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.

Your reality is NOT everyones.

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.

http://finance.yahoo.com/news/colleges-that-lead-to-the-most-and-least-debt.html

Posted By: ChgoCPA

Your reality is NOT everyones.  
   
 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.

so I gave you the link to the debt article.

Posted By: ChgoCPA

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  

I call bullshit on his post and it was probably fking 30 years ago.

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

It lists the top 10 schools with the most and least debt.

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!

Do you even know what our argument was about?

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.

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

Among each university is a percentage of students who graduated with $0 debt, which you'll have to research for each university listed there.

That is all.

-- Modified on 4/3/2013 5:27:56 PM

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

I've remained calm the entire thread and just stated facts.

More ad hominem.
Indicative of a weak and failing argument.

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!

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 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.

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.

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.  

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 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.

-- Modified on 4/3/2013 6:19:09 PM

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.

kept the bad guys away

But I can tell you that I have assisted many folks over the years with their FAFSA and CSS applications.

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.

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.



-- Modified on 4/3/2013 5:49:10 PM

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.

Posted By: tg_baby

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.

 

-- Modified on 4/3/2013 5:49:10 PM

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.  

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.