Twelvefret
Forum GOD!
Is it okay with you to declare bankruptcy?
Would one time be okay? How about 3 times? Would six be to many?
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New Rant Thread
- Thread starter Paper Plane
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Would one time be okay? How about 3 times? Would six be to many?
That’s why there aren’t workhouses and debtors‘ prisons today. But some people make bankruptcy an important component of their personal financial and/or business plan.
Northam Saint
Forum GOD!
Encouragement and mentoring has a very high value of course. There’s plenty of students who don’t get any encouragement at home and plenty that have a lack of male role models, male and female students. Just listening to them as well has a massive impact. As a middle aged man I pride myself on being able to listen and for my students to open up to me. You name it I have heard it.
I also have had feedback from students, some who have left a while ago contact me from time to time. One contacted me out of the blue to thank me for what I did for him in the way I encouraged him to attend, qualify and give up the weed !!!! He said at the time he didn’t really realised what I was doing and saying but could now see how I had helped him. So many have even stopped me in the street nd thanked me.
The main problem I always see is the way secondary school teachers have a way of making young people feel useless. Students have told me some horrendous things teachers have said to them about how they see there futures. Biggest problem is the way students at secondary are thrown out of lessons. They play up and the teachers sends them from a learning environment in to what is basically a room where they sit, be quiet and do nothing of ny use. Many students admit to playing up so they do get sent out. It takes one hell of a lot for me to ask a student to leave. I have only done that 2-3 times in nine years.
Because of the way I am I do get on well with my students, I can’t get from one side of the college to bother with out students talking to me and often have “Sean” being shouted out. Embarrassing when I am near the principalship. But again I’m know by them above to get on well with students.
Very rewarding seeing them achieve especailly a proud student telling you they have passed an exam, got a job, got an apprenticeship and when they complete their apprenticeship.
Burgundy
Forum GOD!
My wife and I are saving so as to help our children onto the property ladder when the time comes. Something our parents are surprised by since they never felt the need. They had been offered 105% mortgages and, even considering the double-digit interest rates of the eighties, have since seen astonishing levels of ‘investment return’ on their homes that both sets were property millionaires by their late forties. Meanwhile we continue to service the mortgage on our long-outgrown terraced house knowing that we literally couldn’t even borrow the money for - let alone afford the repayments of - the standard of housing we were ourselves raised in.
My wife and I are saving so as to improve our children's standards of living. Something our parents are surprised by since they have had cheap credit available for decades. This means they look in with bemusement at the 16- and 18-year-old cars that we drive and our annual holidays to North Wales. Something they never had to worry about with generous company car packages and sizeable disposable incomes. Meanwhile we feel guilty when describing our childhood holidays to Greek islands, on cruise ships, across Italy… to our children who have never left the country.
My wife and I are saving so as to help our children to pay for university - should they wish to go. Something our parents are surprised by because they didn’t have to consider the cost of education. Of course, in their day, they didn’t pay tuition fees and had a grant for their living costs. Meanwhile we continue to service our still-five-figure (each!) student debt nearly 15 years since we graduated.
My wife and I are saving so as to retire by the time we’re 70. Something our parents are surprised by because they were able to comfortably (thank you very much) retire in their fifties on their inheritances, BTL income, and healthy company DB/private pensions with the state pension coming in at 65/66. Meanwhile we continue to throw whatever we can into our own occupational pensions and read regularly that the state pension may be a means-tested benefit by the time we reach pensionable age.
I could go on. But I won’t. While I sometimes feel (when I’m feeling particularly mean-spirited) that if you were born in the 1950s and 1960s - to a family with a modicum of privilege - and are not now a paper millionaire that you must either be a halfwit or a mug… pointing fingers at generations before or after doesn’t really serve any purpose.
For context, we were born in the late 1980s. We are smack-bang-in-the-middle Millennials. We are also in professional occupations that twenty-thirty years ago used to pay a feckload more than they do now. For that matter, we have considerably higher earnings (relative to the national median) than our parents did at the same age. Yet we are privileged. Like any other Brit under the age of 80, we have not experienced war. Like any other Brit under the age of 80, we have grown up in the care of the Welfare State with universal healthcare, secondary education etc.
Edit: One thing we do see among other families our own age is the impact of family financial support. We have not received anything from our sets - having both moved out at 18 - and don’t anticipate receiving any inheritance in later life. But those who receive a ‘hand up’ in adulthood really are at a considerable advantage - no matter the age. I keep coming back round to the notion that this whole ‘generation x have it so easy’ notion is a fallacy.
My wife and I are saving so as to improve our children's standards of living. Something our parents are surprised by since they have had cheap credit available for decades. This means they look in with bemusement at the 16- and 18-year-old cars that we drive and our annual holidays to North Wales. Something they never had to worry about with generous company car packages and sizeable disposable incomes. Meanwhile we feel guilty when describing our childhood holidays to Greek islands, on cruise ships, across Italy… to our children who have never left the country.
My wife and I are saving so as to help our children to pay for university - should they wish to go. Something our parents are surprised by because they didn’t have to consider the cost of education. Of course, in their day, they didn’t pay tuition fees and had a grant for their living costs. Meanwhile we continue to service our still-five-figure (each!) student debt nearly 15 years since we graduated.
My wife and I are saving so as to retire by the time we’re 70. Something our parents are surprised by because they were able to comfortably (thank you very much) retire in their fifties on their inheritances, BTL income, and healthy company DB/private pensions with the state pension coming in at 65/66. Meanwhile we continue to throw whatever we can into our own occupational pensions and read regularly that the state pension may be a means-tested benefit by the time we reach pensionable age.
I could go on. But I won’t. While I sometimes feel (when I’m feeling particularly mean-spirited) that if you were born in the 1950s and 1960s - to a family with a modicum of privilege - and are not now a paper millionaire that you must either be a halfwit or a mug… pointing fingers at generations before or after doesn’t really serve any purpose.
For context, we were born in the late 1980s. We are smack-bang-in-the-middle Millennials. We are also in professional occupations that twenty-thirty years ago used to pay a feckload more than they do now. For that matter, we have considerably higher earnings (relative to the national median) than our parents did at the same age. Yet we are privileged. Like any other Brit under the age of 80, we have not experienced war. Like any other Brit under the age of 80, we have grown up in the care of the Welfare State with universal healthcare, secondary education etc.
Edit: One thing we do see among other families our own age is the impact of family financial support. We have not received anything from our sets - having both moved out at 18 - and don’t anticipate receiving any inheritance in later life. But those who receive a ‘hand up’ in adulthood really are at a considerable advantage - no matter the age. I keep coming back round to the notion that this whole ‘generation x have it so easy’ notion is a fallacy.
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Do you have anyone in particular in mind that fits the bi
Do you have anyone in particular in mind that fits the bill?
Bob
Twelvefret
Forum GOD!
A person accused her opponent of six bankruptcies to which they responded, “On occasion – four times – we used certain laws that are there.”
chazt
shave
So is Medicare, Medicaid and Social Security
TobyC
Patriot
Too many these days feel that they are owed something,... freakin' freeloaders!
TobyC
Patriot
Say it twice!Do you have anyone in particular in mind that fits the bi
Do you have anyone in particular in mind that fits the bill?
Bob
I do, I do, I do.Do you have anyone in particular in mind that fits the bi
Do you have anyone in particular in mind that fits the bill?
Bob
Twelvefret
Forum GOD!
Again, we need each other to survive. There is a concept in economics referred to as the "invisible hand" where people acting in their own self interests and freedom benefit others.
Governments regulate and build infrastructure where the public can travel and access goods and services. I wouldn't want to depend on the public to regulate themselves and build the infrastructure needed. When the wealthy do not have to pay their fair share, it means the less wealthy are saddled with the burden of financing the government. Fair share is a percentage of wealth. Wealth depends on infrastructure and conditions favorable for businesses. In other words, the self made man is a myth. Some expect the poor to just get a job. Some rise from poverty, but systemic poverty is real, "you don't tell a bootless man to pull himself up by his bootstraps".
Democracies are wasteful and time consuming because of regulations which depend on freedom and equity. Compare this to an authoritarian state where freedom and equity do not have priority.
We are experiencing a moral crisis, and the solution starts with us. The solution is not that we become perfect, but that we try to do the right things the right way. When you dehumanize others, you diminish yourself. Your quality of life and living is less. You're angry and full of contempt.
Back when I was a teen there was a song recorded by Glen Campbell in 1969.
"If you see your brother standing by the road
With a heavy load from the seeds he sowed
And if you see your sister falling by the way
Just stop and say, "You're going the wrong way"
You've got to try a little kindness
Yes, show a little kindness
Just shine your light for everyone to see
And if you try a little kindness
Don't walk around the down and out
Lend a helping hand instead of doubt
And the kindness that you show every day
Will help someone along their way
You got to try a little kindness
Yes, show a little kindness
Just shine your light for everyone to see
And if you try a little kindness
Then you'll overlook the blindness
Of narrow-minded people on the narrow-minded streets
You got to try a little kindness
Yes, show a little kindness
Just shine your light for everyone to see
And if you try a little kindness
Then you'll overlook the blindness
Of narrow-minded people on the narrow-minded streets
Governments regulate and build infrastructure where the public can travel and access goods and services. I wouldn't want to depend on the public to regulate themselves and build the infrastructure needed. When the wealthy do not have to pay their fair share, it means the less wealthy are saddled with the burden of financing the government. Fair share is a percentage of wealth. Wealth depends on infrastructure and conditions favorable for businesses. In other words, the self made man is a myth. Some expect the poor to just get a job. Some rise from poverty, but systemic poverty is real, "you don't tell a bootless man to pull himself up by his bootstraps".
Democracies are wasteful and time consuming because of regulations which depend on freedom and equity. Compare this to an authoritarian state where freedom and equity do not have priority.
We are experiencing a moral crisis, and the solution starts with us. The solution is not that we become perfect, but that we try to do the right things the right way. When you dehumanize others, you diminish yourself. Your quality of life and living is less. You're angry and full of contempt.
Back when I was a teen there was a song recorded by Glen Campbell in 1969.
"If you see your brother standing by the road
With a heavy load from the seeds he sowed
And if you see your sister falling by the way
Just stop and say, "You're going the wrong way"
You've got to try a little kindness
Yes, show a little kindness
Just shine your light for everyone to see
And if you try a little kindness
Don't walk around the down and out
Lend a helping hand instead of doubt
And the kindness that you show every day
Will help someone along their way
You got to try a little kindness
Yes, show a little kindness
Just shine your light for everyone to see
And if you try a little kindness
Then you'll overlook the blindness
Of narrow-minded people on the narrow-minded streets
You got to try a little kindness
Yes, show a little kindness
Just shine your light for everyone to see
And if you try a little kindness
Then you'll overlook the blindness
Of narrow-minded people on the narrow-minded streets
SpeedyPC
The Dark Lord of Wet Shaving
