Student Loan Debt?

[hiddentacocatneddih]

One problem with degrees is everyone has one so it has less meaning and value over all

 

[kenmbz]

In my field, most of the employment sites are automated and ask if you have a degree and in what. This is used to put you into the bin if you don't have at least a bachelors.
Sad, but automation doesn't care how well you would do at the job, or how qualified once you click on no bachelors degree.
Why I went back to school to get my BS, the Associates degree was not enough to pass the robot test.

 

[Torvy]

One problem with degrees is everyone has one so it has less meaning and value over all

That's one of my problems with the idea of 'free' college.

Around 1910s, only about 2% of people in the US graduated HS, but nearly the same number graduated college. It was not necessary to complete HS to get most jobs. The learning expectations were much tougher. To finish 8th grade you really needed to know your basics. Now kids 'pass' 8th grade even if they cannot read or do basic math.

We could have a rigorous k-8 program focused exclusively on core academic subjects. 9-12 could use something similar to the German system where you slot into schoola that prepare you for, essentially, trade school, university, or something akin to Jr college depending upon which type of 9-12 school you completed. If you don't graduate from the college prep program, you cannot go directly into university.

 

[ultrarunner]

Two incomes allowed us to do a heck of a lot more than if we were single.

The synergy that comes with shared goals and an example of the whole being greater than the individual pieces.

The flip side is individual focus and determination can accomplish much when unleashed.

 

[two_bit_score]

Maybe the solution to all of our problems is just a requirement that no more than X number of people can live in any given acre. No more densely packed cities. No more need for others to provide for you.

Buy up a big tract of land and sell it off deed restricted to how ever few people wou want. Let us know how many people want to buy land knowing that they cannot legally put more than a pre-determined number of occupants on it.

 

[paulsharvey]

Buy up a big tract of land and sell it off deed restricted to how ever few people wou want. Let us know how many people want to buy land knowing that they cannot legally put more than a pre-determined number of occupants on it.

Hmm, doesn't all land pretty much gave a zoning that sets a maximum number of residential units per acre? Sure, it might be 1 housing unit per 5 acres, or per 10 acres. or it might be as high as 10+ housing units per acre, but I think pretty much everything has a restriction.

 

[FPGT72]

Hmm, doesn't all land pretty much gave a zoning that sets a maximum number of residential units per acre? Sure, it might be 1 housing unit per 5 acres, or per 10 acres. or it might be as high as 10+ housing units per acre, but I think pretty much everything has a restriction.

Many areas are not zoned at all. For example the county I live in there are no building requirements, no zones, no permits. I don't need the .gov permission to do anything on my own land as far as building goes. Go .5 miles down the street and you go into one of the most heavy zoned counties in MO, where everything you do has to be checked on by an inspector of some kind, and you need to pay the .gov for permission (permits) to put up any kind of structure.

Now in that county (IIRC) if you own over 40ac you are exempt from those building codes, but you still need to pay the extortion fee to put up any buildings.

 

[MossRoad]

The synergy that comes with shared goals and an example of the whole being greater than the individual pieces.

The flip side is individual focus and determination can accomplish much when unleashed.

We can also buy more donuts, yet I'm the only one that eats them...

 

[tradosaurus]

Buy up a big tract of land and sell it off deed restricted to how ever few people wou want. Let us know how many people want to buy land knowing that they cannot legally put more than a pre-determined number of occupants on it.

We looked at a nice house on 7 acres in the country that was deed restricted. Reminds me of an HOA but I'm not sure how a deed restriction can be enforced.
It stayed on the market for about a year and that was in 2017. People like their cows and horses in this area.
Personally I would have liked to have lived there knowing there were things the neighbors cannot do.

 

[paulsharvey]

We looked at a nice house on 7 acres in the country that was deed restricted. Reminds me of an HOA but I'm not sure how a deed restriction can be enforced.
It stayed on the market for about a year and that was in 2017. People like their cows and horses in this area.
Personally I would have liked to have lived there knowing there were things the neighbors cannot do.

My very uniformed understanding was deed restrictions typically only dealt with home size and site build vs manufactured. Never heard if how to have them modified, as they often were written in the 1970s.

On enforcement, I would think it would be code enforcement, or would a mad neighbor have to take you to court, a d basically have a judge declare you deed is invalid?

Well; on 3rd thought; it's not entirely uncommon to have a deed provision on shared use access when a parent parcel is divided, to reduce the number of accesses that don't meet spacing criteria.

 

[ultrarunner]

Lots of deed restrictions became unenforceable decades later.

I bought a home in East Oakland years ago with deed restrictions preventing ownership by anyone of the Mongoloid race and the keeping of farm animals such as chickens, pigs, cows etc.

Race restrictions not enforceable and up to 6 hens may be kept.

Another has deed restrictions on rooftop apparatus such as antennas which later included dish and solar… also not enforceable.

Another was mandatory shake roof and percentage of maintained lawn… lawn went away with a fight during drought and shake now banned going back to 1991 fire storm.

 

[jyoutz]

One issue is, I dont think many people will admit they made a mistake taking on the large amounts of debt to get some of these degrees. They are Way too invested, and they will defend to the death the decision, even when you can mathematically prove they aren't seeing any payback numbers.

If you spent $100k to get a degree that pays $35k; we can pretty easily prove you wasted both your time and money; but they won't own up to it.

At the Same time; we have people that will 100% deny that taking on debt to increase your earning ability is always a bad move.

Like so many things; moderation, and also more than one way to get to the same goal.

There is another intangible component to college studies. There are lots of jobs that pay more than I make, and yes I would have been ahead financially to skip college and open a plumbing company. But I have spent the past 43 years doing a job I enjoy and I identify with the profession. Most people work 40+ years in their life and you may as well spend those years doing something that you enjoy.

 

[CloverKnollFarms]

True. I skipped college and plan to retire from my chosen career at 48. I'll continue to work in a field with less responsibility and stress however. College would have never given the ROI this career did, I've been tremendously blessed. I've loved this journey and will never forget the things I've seen and the adventures I've had. I'd rather do something I love, than something that pays a little better, yet I hate. I'm getting out of this career before I begin to hate it... I'm already getting close. Ive never been truly in love with white collar work, but it's the uniform I had to wear to do what I truly loved.

 

[jyoutz]

True. I skipped college and plan to retire from my chosen career at 48. I'll continue to work in a field with less responsibility and stress however. College would have never given the ROI this career did, I've been tremendously blessed. I've loved this journey and will never forget the things I've seen and the adventures I've had. I'd rather do something I love, than something that pays a little better, yet I hate. I'm getting out of this career before I begin to hate it... I'm already getting close. Ive never been truly in love with white collar work, but it's the uniform I had to wear to do what I truly loved.

Everyone should pursue a career they enjoy doing. If possible. It makes going to work in the morning a lot more fun. Good for you if you want to retire. I’m at retirement age but have no plans to do so even though I am financially ready. Because I enjoy what I do managing forest land.

 

[JJT]

My very uniformed understanding was deed restrictions typically only dealt with home size and site build vs manufactured. Never heard if how to have them modified, as they often were written in the 1970s.

On enforcement, I would think it would be code enforcement, or would a mad neighbor have to take you to court, a d basically have a judge declare you deed is invalid?

Well; on 3rd thought; it's not entirely uncommon to have a deed provision on shared use access when a parent parcel is divided, to reduce the number of accesses that don't meet spacing criteria.

Enforcement of deed restrictions is a civil/legal matter. Deed restrictions are not enforced by the town or county, they are not zoning code.

 

[paulsharvey]

Enforcement of deed restrictions is a civil/legal matter. Deed restrictions are not enforced by the town or county, they are not zoning code.

So, would the complaining party have to prove that you have negatively impacted them to take it to court?

 

[CloverKnollFarms]

Everyone should pursue a career they enjoy doing. If possible. It makes going to work in the morning a lot more fun. Good for you if you want to retire. I’m at retirement age but have no plans to do so even though I am financially ready. Because I enjoy what I do managing forest land.

I'm tired of being up at 4am, working 13 hour days, sleeping in hotels and never being home.

I love flying. I hate the lifestyle.

 

[hiddentacocatneddih]

I hope I can retire from HAVING to work, or at least this hard when I'm 50. I had a goal to get more of a desk job by 40 and was able to meet that at 32, moving from electrician to engineer

The trades you pay with your body, not college debt.

I've met guys who took on big college debt and paid it down quick. Few thousand a month. Just meant hobbies and vacations had to take the back burner. Doing it before having a family, buying a house and such is the way to do it

I skated by and had my degree paid for by tax payers.

 

[Blue Mule]

I've been in my career for 22 years now after graduating Magna *** Laude from a state university. What I've found is that the things you enjoy at 25 are not necessarily the things you enjoy at 45 and certainly won't enjoy at 65. Life changes, priorities change, and interests change. So what it boils down to is earning a living and keeping the bills paid, and lots of times I wonder if it would have been better to leave off the years of paying college debt and just go straight to work in a trade. I would have been far ahead financially, and may have still ended up happy and doing something cool at this middle-aged point in life anyhow.

My son is almost 17 and I'm 99% sure he is not going to waste time in college.

 

[jyoutz]

I'm tired of being up at 4am, working 13 hour days, sleeping in hotels and never being home.

I love flying. I hate the lifestyle.

That’s understandable