rip34

On Sep 25, 2021:

rip34 replied to "2021 PGA Tour Thread" at 07:20 pm

11-5 USA but man is Jon Rahm good. 

On Sep 2, 2021:

rip34 repped a post in "Physical Therapy - Is it real?" at 04:01 pm

Good posts.  I figured I was jaded from my own personal experience - shouldn't paint with a broad brush.  I'm sure PT has it's place and that there are good and bad practitioners as in every other field.  Go PT!

rip34 replied to "Physical Therapy - Is it real?" at 03:01 pm

As a PT I'd say can we help everyone, nope.  Are we able to help most in one way another, I'd like to think so.  Rolling around on a "peanut" is a waste of your therapy visit time since you can do it at home.  I'd look into another clinic if that's the therapy you are getting.

Many insurance companies require conservative care before more expensive things( surgery, injections) will be authorized. Truth is they can send you to therapy for a month for a lot less than the cost of an MRI. Since 80% of low back pain gets better on its own it is cheaper to try PT and wait it out versus paying $6-7k for a picture.

Problem is the degree is now 7 years.  You can't ask someone to go to school for 7 years then pay them little, hence the high cost for our services.

I'd say since mentally you already think it's a sham I wouldn't bother attending in future unless your post op where you need someone to mobilize your joint.  The mind has a tremendous influence on outcomes and if you already believe it won't work for you, it likely won't. 

I've been a PT for 20 years now and treated thousands.  Had some good successes and had people I knew would not get better when I assessed them. Is it a cure all, nope but we do help people unfortunately in your case it hasn't helped.

On Aug 31, 2021:

rip34 repped a post in "Non-political memes, funny videos, etc." at 05:09 pm

On Aug 24, 2021:

rip34 repped a post in "Political memes thread" at 05:29 pm

On Aug 16, 2021:

rip34 replied to "Best prizes you've ever won" at 06:09 pm

Ipad worth about $500 at the time.

OSU tickets in high school

Won around $475 making the final table of a poker tournament in Vegas


rip34 repped a post in "Best prizes you've ever won" at 06:07 pm
posted by BR1986FB

Worst story, her son had some kind of raffle for his work and he was bidding on a Christmas tree with scratch off lottery tickets on it. He quit bidding at $90 and the guy who outbid him got it for $100. One of the tickets was $40k/year for 25 years.

On Aug 8, 2021:

rip34 repped a post in "Non-political memes, funny videos, etc." at 09:41 am

On Aug 3, 2021:

rip34 replied to "Funniest movie" at 05:25 pm

I know it just had it's 25th but Happy Gilmore cracks me up every time.  I also will repeat watch Dodgeball when I need a laugh. 

On Jul 22, 2021:

rip34 repped a post in "Disgusted with the Biden administration" at 05:41 pm

It's starting to make sense now...

rip34 repped a post in "Non-political memes, funny videos, etc." at 05:36 pm

On Jul 15, 2021:

rip34 repped a post in "Covid-19 discussion, continued..." at 08:47 pm
posted by Automatik

I got one to enter the US from Mexico. 95% sure it's a money grab.

It's kind of ironic that the party that thinks voter ID is racist wants everyone to have a vaccine passport to go anywhere (except, presumably, the polls).

How are rural people going to be able to photocopy their passport for safekeeping?

On Jul 4, 2021:

rip34 replied to "Things You Hire Out" at 11:08 pm

One thing I wish I could hire out is cutting the landscaping. I looked into it but I'm too cheap to pay $600 to have someone do it.  I'm also highly allergic to poison ivy and I usually get it every 2-3 years. I just take 2-3 days and break it up as I get older. 

On Jun 15, 2021:

rip34 repped a post in "Covid-19 discussion, continued..." at 06:37 pm

Morons out there waterboarding themselves.

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.  

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