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Old June 6th, 2018, 11:31 AM   #81
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Originally Posted by tristanrobin View Post
Um, no - once again (don't you get weary of this?) you're wrong.

Liberal arts is the oldest program of higher education in Western history. It has its origin in the attempt to discover first principles – 'those universal principles which are the condition of the possibility of the existence of anything and everything'. The liberal arts are those subjects or skills that in classical antiquity were considered essential for a free person (liberalis, "worthy of a free person") to know in order to take an active part in civic life, something that (for ancient Greece) included participating in public debate, defending oneself in court, serving on juries, and most importantly, military service. Grammar, logic, and rhetoric were the core liberal arts (the trivium), while arithmetic, geometry, the theory of music, and astronomy also played a – somewhat lesser – part in education (as the quadrivium).

Liberal arts today can refer to academic subjects such as literature, philosophy, mathematics, and social and physical sciences; and liberal arts education can refer to overall studies in a liberal arts degree program. For both interpretations, the term generally refers to matters not relating to the professional, vocational, or technical curriculum.

The availability of easy tuition loans and poor student quality in mid 20th century United States has nothing to do with the valuable liberal arts education.

Sure. Before critical theory took over the liberal arts departments. Now it is a bunch of postmodernist garbage.


And yes the state getting involved in funding any and everyone who wanted to go to college most definitely has had the largest impact on the skyrocketing prices and the devaluation of the over priced degrees.
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Old June 6th, 2018, 11:41 AM   #82
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Originally Posted by Clara007 View Post
SIGH! TN, I'm sure you are a very nice man. Sounds like you have lovely, well-educated daughters. AND good for you but..........you MAKE ME CRAZY.

Did you even bother to READ the NY Times piece?? Because if you did you would have read this: “Women still tend to have lower pay grades than men do, because the men, on average, have more years of experience.”

Do I need to explain this to you? The government, like public schools, libraries, national parks, bean counters, WH staff....have something called PAY SCALES. We get paid by a prescribed set of qualifications. Example: Entry level (1st yr) with BA degree: $X no of dollars. 2nd year BA: $X no of dollars. With advanced experience and education the amount increases but it is the SAME amount for men and women. DO YOU UNDERSTAND ME?? THERE is NO PAY GAP IN GOVERNMENT JOBS because of the ..... what?
PAY SCALES. Good boy!

Parents are not REQUIRED to pay for their child's higher education but the parents I KNOW usually paid or subsidized the kid's education. Here was our deal with our boys: Stay in COLLEGE for 4 years straight and WE PAY. Drop out and YOU PAY if you decide to return to school--which they both decided to do. Nevertheless, we helped, but it was harder--much harder because they had to hold down part-time or full-time jobs to finish. Thank goodness they finished. We have a grandson who is only 3 yrs old, but we started a college fund for him when he was born. So did his parents and so did the other grandparents. Our DIL has a doctorate degree with NO student loan debt due to scholarships and a college fund started by HER parents and grandparents.
So what you are saying is that one does not have to be 'privileged' to save money for their children's education, just smart.
Hmm..doesn't add up LOL
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Old June 6th, 2018, 12:37 PM   #83
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Originally Posted by Kate View Post
So what you are saying is that one does not have to be 'privileged' to save money for their children's education, just smart.
Hmm..doesn't add up LOL
Financial Peace is what we had just 7 little baby steps.

Dave Ramsey's 7 Baby Steps
Baby Step 1 – Save $1,000 to start an emergency fund
Baby Step 2 – Pay off all debt using the debt snowball method
Baby Step 3 – Save 3 to 6 months of expenses for emergencies
Baby Step 4 – Invest 15% of your household income into Roth IRAs and pre-tax retirement funds
Baby Step 5 – Save for your children’s college fund
Baby Step 6 – Pay off your home early
Baby Step 7 – Build wealth and give

Took me 18 months to get from 25K in consumer debt (when I started my base income was 42,000) (overtime and extra jobs help push me over the top)

28 months the 50K mortgage was gone.

4 years I was at step 7.

Didn't we discuss this a few years ago kate?
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Old June 6th, 2018, 03:25 PM   #84
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Originally Posted by TNVolunteer73 View Post
Financial Peace is what we had just 7 little baby steps.

Dave Ramsey's 7 Baby Steps
Baby Step 1 – Save $1,000 to start an emergency fund
Baby Step 2 – Pay off all debt using the debt snowball method
Baby Step 3 – Save 3 to 6 months of expenses for emergencies
Baby Step 4 – Invest 15% of your household income into Roth IRAs and pre-tax retirement funds
Baby Step 5 – Save for your children’s college fund
Baby Step 6 – Pay off your home early
Baby Step 7 – Build wealth and give

Took me 18 months to get from 25K in consumer debt (when I started my base income was 42,000) (overtime and extra jobs help push me over the top)

28 months the 50K mortgage was gone.

4 years I was at step 7.

Didn't we discuss this a few years ago kate?
Yup, my daughter took the class.
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Old June 6th, 2018, 06:28 PM   #85
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Originally Posted by TNVolunteer73 View Post
Financial Peace is what we had just 7 little baby steps.

Dave Ramsey's 7 Baby Steps
Baby Step 1 – Save $1,000 to start an emergency fund
Baby Step 2 – Pay off all debt using the debt snowball method
Baby Step 3 – Save 3 to 6 months of expenses for emergencies
Baby Step 4 – Invest 15% of your household income into Roth IRAs and pre-tax retirement funds
Baby Step 5 – Save for your children’s college fund
Baby Step 6 – Pay off your home early
Baby Step 7 – Build wealth and give

Took me 18 months to get from 25K in consumer debt (when I started my base income was 42,000) (overtime and extra jobs help push me over the top)

28 months the 50K mortgage was gone.

4 years I was at step 7.

Didn't we discuss this a few years ago kate?
I follow the Dave Ramsey principals with one exception. I use credit cards because in this modern day and age, it is hard to do things without it. It is dangerous to use your debit account to buy things, especially online, and it is hard to do things like hold hotel reservations and rent a car. In fact, Dave Ramsey was scheduled to give one of his talks about how one can do completely without credit cards, and when he got off the plane, the car rental company would not rent him a car with only his checking account debit card even though he was told beforehand that they would. The idiot employee that he had talked with over the phone did not know the difference between a debit card and a credit card. Dave Ramsey had to call the people that sponsored his lecture to have someone pick him up.

Also I like to take advantage of the cash back, mileage, etc. I do pay off the entire balance each month exactly on the date. That way it always show I carry a balance but I don't and results in a phenomenal credit rating score. If you pay off the balance too early, it shows a zero balance all the time which will not give you as high of a credit rating score. The exception is when you apply for a home loan and you have been pre-approved. The mortgage underwriters do not like to see any existing balance so it may influence if the home loan closes or not, so you pay it early during that time span, but if you have done what I did you would already have a perfect score and will get a rate interest rate.

Last edited by Marcus Livius; June 6th, 2018 at 06:30 PM.
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Old June 6th, 2018, 09:50 PM   #86
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Originally Posted by Marcus Livius View Post
I follow the Dave Ramsey principals with one exception. I use credit cards because in this modern day and age, it is hard to do things without it. It is dangerous to use your debit account to buy things, especially online, and it is hard to do things like hold hotel reservations and rent a car. In fact, Dave Ramsey was scheduled to give one of his talks about how one can do completely without credit cards, and when he got off the plane, the car rental company would not rent him a car with only his checking account debit card even though he was told beforehand that they would. The idiot employee that he had talked with over the phone did not know the difference between a debit card and a credit card. Dave Ramsey had to call the people that sponsored his lecture to have someone pick him up.

Also I like to take advantage of the cash back, mileage, etc. I do pay off the entire balance each month exactly on the date. That way it always show I carry a balance but I don't and results in a phenomenal credit rating score. If you pay off the balance too early, it shows a zero balance all the time which will not give you as high of a credit rating score. The exception is when you apply for a home loan and you have been pre-approved. The mortgage underwriters do not like to see any existing balance so it may influence if the home loan closes or not, so you pay it early during that time span, but if you have done what I did you would already have a perfect score and will get a rate interest rate.
People typically overspend by 6-10% when they use credit cards.

Thus getting back to why Colleges can overcharge so much for tuition, student loans has pretty much given students a bottomless pocket for cash.
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