How broke are you?

[R8RFAN]

Instead of hijacking a thread lets make our own...
How far up to your ass are you in debt are you?
How close are you to filing for Bankruptcy.
How many of you borrow from Mom and Dad because you are sorry as hell and have to drive that car that sounds like a pissed off bumble bee?



Let's get it on you broke dick bastards...

It's on


I will start the thread

0 Mortgage debt
0 Consumer debt
0 Car payments

Bills I owe
Directv
Insurance
Taxes
Utilities
Food
and Cell Phone (thanks luv)

[RobBlake]

lmao.

[Pasta Little Brioni]

You in debt yet Freighters?

One of my fav digs fron this era..."Penis free and proud"

[rico]

I'm on my way to a meeting with a bankruptcy attorney at 9:30 this morning. Yeah, I'm not doing well financially at the moment.

Going to college was the ****ing worst decision I've ever ****ing made. I should have gone to a trade school of some sort. When you are (well, when many of us are) 18 years old, you don't realize how important these things are without an elaborate future plan previously mapped out. Back then, my focus was more geared towards chicks and wrestling. I figured merely attaining a BA would automatically result in being "fine." And if I got into a financial pickle, "future rico" would be able to handle it.. Well, "future rico" is now "present rico" and "present rico" would give anything to be given the chance to go back and smack "past rico" upside the head. Problem is...even if that were possible, "present rico" doesn't have anything to give.

Stupid...stupid....STUPID!!!!

[stumppy]

Originally Posted by rico

I'm on my way to a meeting with a bankruptcy attorney at 9:30 this morning. Yeah, I'm not doing well financially at the moment.

Going to college was the ****ing worst decision I've ever ****ing made. I should have gone to a trade school of some sort. When you are (well, when many of us are) 18 years old, you don't realize how important these things are without an elaborate future plan previously mapped out. Back then, my focus was more geared towards chicks and wrestling. I figured merely attaining a BA would automatically result in being "fine." And if I got into a financial pickle, "future rico" would be able to handle it.. Well, "future rico" is now "present rico" and "present rico" would give anything to be given the chance to go back and smack "past rico" upside the head. Problem is...even if that were possible, "present rico" doesn't have anything to give.

Stupid...stupid....STUPID!!!!

Theres a lot of us in that club.

[loochy]

Originally Posted by rico

I'm on my way to a meeting with a bankruptcy attorney at 9:30 this morning. Yeah, I'm not doing well financially at the moment.

Going to college was the ****ing worst decision I've ever ****ing made. I should have gone to a trade school of some sort. When you are (well, when many of us are) 18 years old, you don't realize how important these things are without an elaborate future plan previously mapped out. Back then, my focus was more geared towards chicks and wrestling. I figured merely attaining a BA would automatically result in being "fine." And if I got into a financial pickle, "future rico" would be able to handle it.. Well, "future rico" is now "present rico" and "present rico" would give anything to be given the chance to go back and smack "past rico" upside the head. Problem is...even if that were possible, "present rico" doesn't have anything to give.

Stupid...stupid....STUPID!!!!

So remember this when talking to your kids.

HELP them lay out a plan. Don't just throw them into the wild at 18. 18 year olds are generally NOT capable of making sound life altering decisions.

[rico]

Originally Posted by loochy

So remember this when talking to your kids.

HELP them lay out a plan. Don't just throw them into the wild at 18. 18 year olds are generally NOT capable of making sound life altering decisions.

THIS...THIS...THIS. They are going to be so annoyed with me in terms of how involved I am with their future planning, for I will be crazy about it. I don't care though...it'll be for their own good.

[Amnorix]

Originally Posted by rico

I'm on my way to a meeting with a bankruptcy attorney at 9:30 this morning. Yeah, I'm not doing well financially at the moment.

Going to college was the ****ing worst decision I've ever ****ing made. I should have gone to a trade school of some sort. When you are (well, when many of us are) 18 years old, you don't realize how important these things are without an elaborate future plan previously mapped out. Back then, my focus was more geared towards chicks and wrestling. I figured merely attaining a BA would automatically result in being "fine." And if I got into a financial pickle, "future rico" would be able to handle it.. Well, "future rico" is now "present rico" and "present rico" would give anything to be given the chance to go back and smack "past rico" upside the head. Problem is...even if that were possible, "present rico" doesn't have anything to give.

Stupid...stupid....STUPID!!!!

I'm really, really sorry to hear that.

Don't get me started on the economics of college. I will rant on forever.

Not quite the same thing, of course, but I have personally dissuaded three people I know from going to law school, and couldn't be more proud of it. People think "law degree = big bucks" but they are VERY, VERY wrong.

The American middle class obsession with obtaining a college education is ****ing over generations of young people.

[MIAdragon]

Good luck Rico

[Amnorix]

Unfortunately, one of the things his bankruptcy attorney will tell him is that it is very, very hard to discharge student loans in bankruptcy. Not impossible, but not easy and certainly not guaranteed.

[DaFace]

Originally Posted by Amnorix

I'm really, really sorry to hear that.

Don't get me started on the economics of college. I will rant on forever.

Not quite the same thing, of course, but I have personally dissuaded three people I know from going to law school, and couldn't be more proud of it. People think "law degree = big bucks" but they are VERY, VERY wrong.

The American middle class obsession with obtaining a college education is ****ing over generations of young people.

The problem is that we seem to operate on a 25ish year window for knowledge and collective wisdom. 25 years ago, going to college was relatively inexpensive, and having a college degree was just about a guarantee that you could find a job that paid a reasonable wage.

Now, the cost of college has skyrocketed, and I know people with Ph.D.'s who are working for $30k/year. It's criminal.

[Amnorix]

Originally Posted by DaFace

The problem is that we seem to operate on a 25ish year window for knowledge and collective wisdom. 25 years ago, going to college was relatively inexpensive, and having a college degree was just about a guarantee that you could find a job that paid a reasonable wage.

Now, the cost of college has skyrocketed, and I know people with Ph.D.'s who are working for $30k/year. It's criminal.

What has happened, in part, is that the value of college degrees has significantly lessened due to a vast, vast, increase in supply. Second, the costs of a college education have exploded due to:

1. federal grants/loans

2. demand for a college education due to changing societal norms. No longer is it geared to get you a job or profession, but now it's basically a minimum reqiurement for "polite society".

3. absolutely NO risk by colleges or banks in giving loans to students to go.


There is no longer any rational relationship between the cost of a college education, and the degree you get.

WHY THE **** IS THE U.S. GOVERNMENT LOANING ANY ****ING FOOL WHO WANTS ONE THE MONEY TO GO GET A GODDAMN ENGLISH OR HISTORY DEGREE?

Why the **** is the cost of an English degree the same as the cost of an engineering degree?

The cost of college has outpaced EVERYTHING else over the last 30 years. Even ****ing healthcare. The system is entirely broken and needs a complete overhaul.

[DJ's left nut]

Originally Posted by Amnorix

Unfortunately, one of the things his bankruptcy attorney will tell him is that it is very, very hard to discharge student loans in bankruptcy. Not impossible, but not easy and certainly not guaranteed.

Damn near nothing's impossible in law, but it's easier to get out of a murder rap than it is to discharge student loan debt.

And yeah, the bubble burst on law school about 6-7 years ago.

Honestly, I'm not sure what I'll tell my kid in 15 years. As you've noted, college degrees are expensive as hell for no good reason but if you want to get into the work force, you damn near have to have one. And as for find a steady route to a lucrative career....there just damn near isn't one anymore. Medicine? Yeah, engineering if you manage to get your foot in the door.

The future economy is just so far beyond my understanding that I wouldn't know where to start. It wouldn't surprise me at all if 20 years from now we're approaching an era where more people are freelancing than aren't. The idea of a stable, long-term employer seems to be less and less doable.

I'm just hopeful that the workforce finds a way to deal with changing technologies in the future and when it does, it stabilizes. Right now you're just in such a prisoner's dilemma with college and the employment market that I wouldn't know where to start.

[Amnorix]

Originally Posted by DJ's left nut

Damn near nothing's impossible in law, but it's easier to get out of a murder rap than it is to discharge student loan debt.

And yeah, the bubble burst on law school about 6-7 years ago.

Honestly, I'm not sure what I'll tell my kid in 15 years. As you've noted, college degrees are expensive as hell for no good reason but if you want to get into the work force, you damn near have to have one. And as for find a steady route to a lucrative career....there just damn near isn't one anymore. Medicine? Yeah, engineering if you manage to get your foot in the door.

The future economy is just so far beyond my understanding that I wouldn't know where to start. It wouldn't surprise me at all if 20 years from now we're approaching an era where more people are freelancing than aren't. The idea of a stable, long-term employer seems to be less and less doable.

I'm just hopeful that the workforce finds a way to deal with changing technologies in the future and when it does, it stabilizes. Right now you're just in such a prisoner's dilemma with college and the employment market that I wouldn't know where to start.

Agreed. It's a problem.

I just heard about a fascinating program that a friend's niece is going to do. It's a college that started out as a culinary school but has now expanded and is obviously much more "market-oriented" in terms of providing degrees with real life skills.

They are currently starting a new program for a degree in -- basically -- computer security. All about how to protect networks from hacks and all that stuff.

NOW THAT IS A ****ING CAREER PATH FOR THE NEW MILLENIA.

It's a small college in Rhode Island that I never heard of, but it was honestly the best plan for a career path I've heard in a long while from someone of HS or college age.

[Amnorix]

This is it. Johnson and Wales Unviersity. Sounds like a hand cream, but whatever.

Cyber Threat Intelligence and Defense program.

Cyber Threat Intelligence & Defense - BS

The Cyber Threat Intelligence & Defense bachelor’s degree program is designed to fill a critical and growing need for cyber threat intelligence and defense personnel in the public and private sector. Students completing this curriculum should have the understanding of incident response techniques that detect, scope, and respond to internal and external intelligence. This intelligence is used to enable network and system defenders to establish protocols that decrease the cyber attacker’s likelihood of success with each ensuing intrusion attempt.

Upon completion of the program, graduates are expected to demonstrate the ability to:

Operate and communicate effectively in working with stakeholders at all levels.
Function effectively on teams to accomplish a common goal.
Synthesize aspects of professional, ethical, legal, security and social issues and responsibilities in the area of cyber operations.
Apply current techniques, skills, and tools necessary for computer and cyber practices.
Measure the performance of security systems within an enterprise level information system infrastructure.
Analyze the local and global impact of computing on individuals, organizations, and society.
Analyze a problem, identify possible threats, and define the computing requirements appropriate to solve cyber operations issues.
The focus of this new program, Cyber Threat Intelligence & Defense, is to educate and train the new wave of cyber specialist that can track, analyze, and counter digital security threats. This form of intelligence is a blend of physical reconnaissance and defense with modern information technology techniques. Proactive cyber defense is the direction of the future, the gathering of information about trends and behaviors of adversaries in anticipation to opposing an attack against computers and networks, is critical to mitigating operational risk.

An experiential educational experience is also offered. There are a variety of options available for students to complete the require 9 credit experience. Student may elect to add an additional 4.5 credits based upon advising and prior planning.

Upon graduations students may be employed in cyber –related jobs ranging from manufacturing, defense, public administration, healthcare and retail trade industries.

An important component of the program’s educational experience is the general studies courses taught by the School of Arts & Science. Graduates are expected to show competencies in higher order thinking, communications, ethics, global diversity, responsible citizenship, and leadership.

Cyber Threat, Intelligence & Defense

A four year program leading to the bachelor of science degree

http://catalog.jwu.edu/programsofstu...ce-defense-bs/

[Donger]

Originally Posted by rico

I'm on my way to a meeting with a bankruptcy attorney at 9:30 this morning. Yeah, I'm not doing well financially at the moment.

Going to college was the ****ing worst decision I've ever ****ing made. I should have gone to a trade school of some sort. When you are (well, when many of us are) 18 years old, you don't realize how important these things are without an elaborate future plan previously mapped out. Back then, my focus was more geared towards chicks and wrestling. I figured merely attaining a BA would automatically result in being "fine." And if I got into a financial pickle, "future rico" would be able to handle it.. Well, "future rico" is now "present rico" and "present rico" would give anything to be given the chance to go back and smack "past rico" upside the head. Problem is...even if that were possible, "present rico" doesn't have anything to give.

Stupid...stupid....STUPID!!!!

I'm sorry to hear that, rico. Best of luck.