rip34

On Jun 5, 2021:

rip34 replied to "Concerts you attended for the opening act?" at 06:43 pm

Went to a Toad the Wet Sprocket concert more for the opener, hootie and the blowfish. 

A year later Hootie was headlining Polaris. They hit it big time with their first album that was played into the ground.

On May 23, 2021:

rip34 replied to "2021 PGA Tour Thread" at 09:20 am

Can Phil pull it off? Would be a great story if so 

On May 22, 2021:

rip34 replied to "What was the last movie you watched?" at 12:47 pm

Abraham Lincoln: Vampire Hunter 8 maybe 9/10.  Ridiculously fun and over the top. Watched it with my teenage boys and they loved it. 

On May 11, 2021:

rip34 repped a post in "Disgusted with the Government thread" at 07:02 pm
posted by ptown_trojans_1

The flip side of that is states and the feds have been gutting the federal aid and grant portion to fund colleges. The price of a Pell Grant has actually decreased and many states, like Ohio, have dramatically cut the money that goes for grants. Once the grants dry up that colleges have been using, they have to fill in the gaps someone....and tuition is increased. I think that is one reason why we have seen the increase in prices since the days I went to school in the early 2000s. 

It may be easy for people to say, well the endowment can cover the cost, and for some schools, they are tapping into that: Ohio St being one of them, with their announcement a month or so ago. But, most schools do not have an endowment large enough to cover the costs alone, without the grant funding. This leads to higher tuition over the years. 

On your last point Federal backed student loans are also better than the private sector as usually interest rates are lower, they are more forgiving if you to go into forbearance, their customer service is usually better, and the last year or so interest has not accrued. Whereas, Sallie Mae has higher interest rates, shitty customer service, little concern for forbearance, and if you do not have federal backed student loan, you have been accruing interest since last year. 

I had both federal student loans, through Fedloan, and private loans through Sallie Mae. Sallie Mae fucking sucked at every turn. 

What is different about colleges now versus 25 years ago?  Their campus physical plant is about twice as big - filled with fancy classroom, residence, recreational, food and other buildings.  Ohio State, as an example, is like a fucking resort today compared to 1990.  Is the education twice as good today than it was then?  No way.  Like most places, it markets the shit out of itself to score well on rankings so that it can whore itself to out of state tuition payers at the expense of it's land grant mission.  OSU is not unique in this way.  


Easy student loans make the decision to pay these exorbitant fees mindless because the loan comes easy and "well that's just the way it goes now".  Is state funding less than it used to be?  Yes and I think that should be changed.  But it isn't less by a factor or three - the way tuition has risen.  On top of it, places like OSU fuck over their state residents who support the place with taxes by chasing out of state payers in order to more than cover their funding gap.  Drive around virutally any college campus today and I defy you to find anything that resembles, "Boy, this place sure doesn't look like it gets the funds it used to."  It's a racket and cheap loans are the primary culprit.  Ask the VP of or dean or whatever the head of one of the 27 "offices" at Ohio State to explain their $300k salary and how it relates to the academic mission of the school.  Good luck interpreting that rationalizing.



rip34 repped a post in "Disgusted with the Government thread" at 02:49 pm
posted by Dr Winston O'Boogie

Guaranteed government student loans are why college educations worth little cost $30k per year.  Had government never gotten involved, it is reasonable to think college education would have been attainable to those who wanted it without loans (perhaps with a job during college to help pay).  This is how college worked for many decades.  It was a privilege but it was affordable to anyone determined to go without the baggage of years of debt.  Once easy money came into the picture, colleges started jacking up tuition and  building shit at a ferocious rate.  Meanwhile, the entire population was brainwashed into this idea that everyone should go to college.  


So I disagree that government student loans are done well.  I see them as part of the overrall racket.  

This is ultimately how I look at the situation as well. College costs when crazy when the govt got involved. Healthcare costs went crazy when the govt got involved. The housing market went crazy when the govt got involved. It's like there's a pattern...

rip34 repped a post in "Disgusted with the Government thread" at 02:48 pm
posted by ptown_trojans_1

They are more trusted and better than the private sector. Interest rates are better, payment options are better, and overall experience is better. 

I'd take the DOE loans over Sallie Mae/ whatever it is called now, any day of the week, 


Guaranteed government student loans are why college educations worth little cost $30k per year.  Had government never gotten involved, it is reasonable to think college education would have been attainable to those who wanted it without loans (perhaps with a job during college to help pay).  This is how college worked for many decades.  It was a privilege but it was affordable to anyone determined to go without the baggage of years of debt.  Once easy money came into the picture, colleges started jacking up tuition and  building shit at a ferocious rate.  Meanwhile, the entire population was brainwashed into this idea that everyone should go to college.  


So I disagree that government student loans are done well.  I see them as part of the overrall racket.  

On Apr 24, 2021:

rip34 replied to "What was the last movie you watched?" at 09:13 am

Mortal Kombat. 7/10. Entertaining and for fans of the game there is enough gore/ fatalities to satisfy. Also makes fun of the game on multiple occasions. I'd watch it again.

On Apr 8, 2021:

rip34 repped a post in "Disgusted with the Biden administration" at 03:18 pm
posted by geeblock

It’s equally as dumb to compare people who want to come here and work 2-3 jobs to MS-13 and Yemeni terrorists.


THey are all breaking the laws of this country equally.  We have a legal immigration system.  If they want asylum from persecution there are laws that allow them to do that.


None of it involves showing up at a border crossing and expecting 3 hots and a cot.



On Apr 4, 2021:

rip34 repped a post in "Progressives, part 3..." at 02:53 pm
posted by geeblock

I said I don’t believe they think that. That is a conservative talking point. 


I don't think they believe that either.  Worse than Jim Crow, suppression of black votes, etc. are leftist talking points.

What is the primary purpose we present a photo ID when making important transactions?  Why can't we just mail in a signed buyer/seller agreement to the BMV to get a title?  We have all waited in lines at the BMV, been inconvenienced, slightly irritated, etc.  So why do we not make these processes easier?  To suppress black people from owning property?

No its to suppress fraud.

On Feb 19, 2021:

rip34 repped a post in "Political memes thread" at 01:56 pm

On Feb 11, 2021:

rip34 replied to "How many states have you been to?" at 06:25 pm

Ohio

Pennsylvania

New York

New Jersey

Maryland

Virginia

North Carolina

South Carolina

Florida

Georgia

Tennessee

Kentucky

Indiana

Illinois

Iowa 

Nebraska

South Dakota

Wyoming

Montana

Nevada

Arizona

Texas 

California

Louisiana

Michigan


25 halfway there




On Feb 3, 2021:

rip34 replied to "Non-political memes, funny videos, etc." at 11:51 am

On Jan 27, 2021:

rip34 replied to "Covid-19 discussion, continued..." at 05:59 pm
posted by like_that

I was hoping you would say another vaccine. 

To follow up, I was in bed from 1130am yesterday- 545 am this morning. Went to bed at 930 with temp of 101.  Woke up to soaked sheets from night sweats. Temp gone, feel 80-90 percent.  Worked 630-530.  I'm tired but I'll be good to go after tonight.  Wife really had nothing. I had a coworker state second shot was same as the first. Who knows who gets ill and who doesn't.

On Jan 26, 2021:

rip34 replied to "Covid-19 discussion, continued..." at 06:03 pm
posted by friendfromlowry

Super. Got my second dose a few hours ago.

Good luck. My wife did better than me.  Just tired but no aches or fever.

rip34 replied to "Covid-19 discussion, continued..." at 05:40 pm

Had my second dose of vaccine yesterday.  Woke at 230am shivering, body aches.  Had to tough it out at work all morning then have been in bed all day.  Multiple people at my hospital calling off due to illness after second dose.  Felt like the flu which I haven't had for 10+ years. Had moderna vaccine.

On Jan 9, 2021:

rip34 replied to "2021 NFL Playoff Thread" at 06:25 pm

Rams D looking tough. Cam Akers may be a good sleeper for fantasy league next year.

On Dec 28, 2020:

rip34 replied to "Covid-19 discussion, continued..." at 06:37 pm

Got the moderna vaccine today. Zero side effects. Wife got it this morning and complained of a sore arm and headache.

rip34 replied to "Covid-19 Vaccine" at 06:35 pm

Got my first dose of moderna today. No issues at all.


On Dec 26, 2020:

rip34 replied to "Covid-19 discussion, continued..." at 12:27 pm

Get my vaccine Monday. I'll report any side effects but expect none. 

On Dec 3, 2020:

rip34 replied to "Covid-19 Vaccine" at 06:34 pm

I work in healthcare. Probably won't have a choice as it will be mandatory for employment.

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