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1726  General Politics / Political Debate / Re: How would you solve the student debt crisis? on: April 01, 2016, 12:54:34 pm
Third, I would encourage kids going to college to NOT take out excessive loans.  You can be poor and graduate college without stupid amounts of debt.  People do it all the time.  Yeah, it will be harder and maybe longer.  So?  Will it be harder than making loan payments for the next 30 years?  Probably not.

There’s strong evidence that, in most cases, a highly motivated student will be better off taking out loans and going to class full-time. On average part-time and non-traditional students have worse grades and have higher rates of non-completion.

They also tend to exist on the fringes of campus life, which means missing out on a lot of opportunities for socializing and personal enrichment. For some non-traditional students, this isn't a big deal: They might already have families, hobbies, professional contacts, etc. But if you're a young person who's still growing into adulthood, this is harmful to your future in two ways: It’s likely to reduce your lifetime earnings, and it’s likely to stunt your development as a person. In addition, there’s a very real risk that lacking social support will reduce your likelihood of completing a degree in the first place.

The clearest problem with this strategy is that it involves a great deal of risk: If you fail to complete your degree, or if your career isn’t sufficiently remunerative, you will struggle to manage your debt and it could impede or delay any aspirations toward marriage, home ownership, social and geographic mobility, parenthood, or even retirement. But, if you’re concerned with what happens on average, or even to the median graduate, the numbers are in your favor.
1727  General Politics / Political Debate / Re: How would you solve the student debt crisis? on: April 01, 2016, 12:36:34 pm
Here are a handful of general points that I think should guide efforts to move away from debt-financed higher education:

(1) Allow students who are already in heavy debt to enter income-based repayment programs, with complete forgiveness following 10-15 years of payments.

(2) Restore state (or make it federal, if necessary) funding for public universities to what it was decades ago, so that undergraduate tuition is no longer a primary source of revenue.

(3) Taper, and eventually terminate, federal aid and student loans for students at most private schools, including not-for-profits. Curb less tangible public subsidies for private institutions, including property tax exemptions, unless per pupil spending is kept to a reasonable level. Public institutions can provide the same education without spending extra to maintain a country club atmosphere.
 
(4) Limit eligibility for student loans to students who have done something to show that they are prepared for college and likely to benefit from the experience. (Something needs to be done for these students as well, but for the purposes of this discussion what matters is that encouraging them to attend college is harmful at both the individual and collective levels.)

(5) Totally reject debt as an instrument of guaranteeing access to higher education. The risks involved in taking out thousands of dollars in non-dischargeable loans as a young adult for a degree that wonít necessarily have large financial benefits are simply unacceptable, even if most students benefit and the payoff is positive on average.

Generally, people who donít have collateral should not be taking out loans. Nor should creditors be encouraged to grant loans to virtually anyone, regardless of expected payoff, which is what our current system for funding higher education encourages. We are not helping young people by burdening them with large amounts of debt at the outset of their adult lives. (Nor is a college degree that fails to lead to markedly higher earnings necessarily wasteful, but that's another discussion entirely...)
1728  Presidential Elections - Analysis and Discussion / 2016 U.S. Presidential Election / Re: New York counties on 4/19 on: April 01, 2016, 10:37:14 am
Cruz
A couple of counties near the border of Canada (EX: Hamilton County) that tend to be more conservative.

I hope that this is a joke. (Although Hamilton County is weird; then again, it contains barely 5,000 residents and is the only county located entirely within the Adirondack Park.)

Cruz's best part of the state should be rural western NY, i.e. places like Wyoming and Allegheny counties. Expect Kasich to run well in the most affluent Rochester and Buffalo suburbs, the Albany area, and the Mid-Hudson. He may also do well in the ancestrally very heavily Republican parts of Northern New York, esp. near Vermont.

My early prediction for Trump is that he'll run very strong in the less affluent portions of the Buffalo and Rochester metro areas. His best county in upstate NY might be Jefferson (home of Fort Drum and one of the highest concentration of veterans in the Northeast).
1729  Presidential Elections - Analysis and Discussion / 2016 U.S. Presidential Election / Re: DeBlasio to campaign for Hillary in New York (not a joke) on: April 01, 2016, 09:32:03 am
Sanders ought to hold a major press conference from the nearest glue factory. Tongue
1730  Presidential Elections - Analysis and Discussion / 2016 U.S. Presidential Election / Re: Donald Trump picked a terrible time to have his worst week of the [POTUS race] on: April 01, 2016, 09:29:35 am
Again, let's reconsider after Trump wins New York State. I don't think it's likely that he reaches the majority threshold either, but Oakvale's is right about Cilliza: He's among the worst in the business.
1731  Presidential Elections - Analysis and Discussion / 2016 U.S. Presidential Election / Re: John Kasich is having a news conference in New York within the hour. on: March 31, 2016, 08:54:53 pm
Oh geez this is just nuts.

...
1732  Presidential Elections - Analysis and Discussion / 2016 U.S. Presidential Election / Re: Clinton Takes on Sanders Hecklers in NY on: March 31, 2016, 08:53:36 pm
Meh... not "presidential," to say the least. For a lot of reasons, I am increasingly glad that I'm not voting in a state that will be competitive in the general election,
I wish we were all as privileged as you to allow Republicans to criminalize abortion and roll back gay marriage.

You don't know me, and your candidate is not entitled to me vote. Spare me the condescending pieties.

I can tell you this: My vote isn't going to change because of how anyone's online supporters have treated me, but if I do choose not to vote for Clinton, the behavior that we've seen throughout this election from posters like you, Lief, Mondale, and bedstuy will have made me feel markedly more comfortable about doing so. Reflect on that before assuming the worst about anyone who disagrees with you.
1733  Presidential Elections - Analysis and Discussion / 2016 U.S. Presidential Election / Re: Clinton Takes on Sanders Hecklers in NY on: March 31, 2016, 08:21:26 pm
Meh... not "presidential," to say the least. For a lot of reasons, I am increasingly glad that I'm not voting in a state that will be competitive in the general election,
I wish we were all as privileged as you to allow Republicans to criminalize abortion and roll back gay marriage.

If his state is not competitive, how is he allowing that?!?

Don't worry about Ebsy, he's just eager to mete out verbal abuse. That's not an attitude that lends itself toward nuance, or even coherence.
1734  Forum Community / Forum Community / Re: Opinion of Classic Conservative on: March 31, 2016, 07:33:06 pm
I'll just note that I've met literal cult members who have a less tenuous grasp on reality and leave it at that.
1735  Presidential Elections - Analysis and Discussion / 2016 U.S. Presidential Election / Re: Clinton Takes on Sanders Hecklers in NY on: March 31, 2016, 07:30:00 pm
Meh... not "presidential," to say the least. For a lot of reasons, I am increasingly glad that I'm not voting in a state that will be competitive in the general election,
1736  Presidential Elections - Analysis and Discussion / 2016 U.S. Presidential Election / Re: Have we passed Peak Trump? on: March 31, 2016, 11:43:16 am
Maybe, but let's check again after he wins >50% of the vote in New York State, esp. if Kasich edges out Cryz for second.
1737  General Politics / U.S. General Discussion / Re: More American Students Leaving US for College Education Abroad on: March 30, 2016, 11:32:58 am
Yeah, they're the sort of people who can talk about their favorite restaurants on multiple continents but who have never visited lower income neighborhoods of their own city. Or who brag about how the friends they made while studying abroad "broadened their horizons" while having no friends with a substantially different class background at home.
Yeah, but they argue with conservatives online so that makes up for it.
Look for these to turn into permanent moves, for the rest of their lives, if the reincarnation of Hitler is elected.

Unfortunately (for Americans, at least), immigration to most other developed countries doesn't work that way.
Won't most other first world places will take you in if you have a needed skill?  Of course very few people have those (hence why they'd be needed).  I know that's the case with Canada, you can't get in unless you have something they want (money or a needed skill) or are a legit and heavily vetted refugee.

One exception to this, is if you are willing to live in the Arctic for several years, it is substantially easier to get in. Of course, I doubt many people are willing to teach school in a community of 300 in -40 weather to get away from Trump.

That's actually a great way of getting through to people that there are real barriers involved: "Well, if you're willing to spend a few years living in Arctic isolation, I suppose it's not that hard..."
1738  Forum Community / Forum Community / Re: Do the Atlas Forum mods operate as a cult? on: March 30, 2016, 08:15:27 am
You really don't have anything better to do with your time?

Aren't you pursuing a Phd in Political "Science?"

wow so edgy

Breaking: Ironic Trump supporter dismisses entire academic discipline as "waste of time"

As for the rest of this thread... f**king cringe.
1739  General Politics / U.S. General Discussion / Re: More American Students Leaving US for College Education Abroad on: March 30, 2016, 06:40:00 am
Look for these to turn into permanent moves, for the rest of their lives, if the reincarnation of Hitler is elected.

Unfortunately (for Americans, at least), immigration to most other developed countries doesn't work that way.
1740  General Politics / U.S. General Discussion / Re: More American Students Leaving US for College Education Abroad on: March 30, 2016, 06:37:43 am
For the most part Tony, I don't think the travel abroad experience is helping as many people as even you want to hope. Sure tons of ignorants go on their luxury vacation, but remember the vast majority of people don't even have a degree. It's best to separate the groups. No doubt ignorance of the world is widespread in colleges, but the majority in that segment probably does understand those matters quite well, particularly amongst the wealthy who can afford such a trip.

I mean yeah, as I said it's obviously a marker of privilege and that's a problem onto itself.

That said, I'm not as sure that rich kids are necessary much more aware of the world around them than poorer ones. There are plenty of wealthy, ignorant people

Yeah, they're the sort of people who can talk about their favorite restaurants on multiple continents but who have never visited lower income neighborhoods of their own city. Or who brag about how the friends they made while studying abroad "broadened their horizons" while having no friends with a substantially different class background at home.
1741  General Politics / Individual Politics / Re: Ford vs Clinton on: March 29, 2016, 09:05:02 pm
I'll take the city-bashing Nixon goon over the triangulating sexual predator, I guess. It's a difficult choice between two of the worst presidents since the Civil War.
Ford and Clinton are worse than Andrew Johnson, Herbert Hoover, and Jimmy Carter? (and James Garfield, but he died before he could be bad)
Uh... why are you assuming Garfield would have been bad?

A real leader knows how to take a bullet and live, obviously. Tongue
1742  Forum Community / Forum Community / Re: Vote for Hudson as the best historic small town in the US, and do it often on: March 29, 2016, 05:03:39 pm
As much as I would like to see Upstate New York represented in the top ten, I couldn't help but to vote for Bisbee, AZ.
1743  General Politics / Individual Politics / Re: Ford vs Clinton on: March 29, 2016, 05:00:10 pm
I'll take the city-bashing Nixon goon over the triangulating sexual predator, I guess. It's a difficult choice between two of the worst presidents since the Civil War.
1744  General Politics / U.S. General Discussion / Re: More American Students Leaving US for College Education Abroad on: March 29, 2016, 03:30:47 pm
Not inclined to believe this with it taking a deeper look at the numbers. It would imply a dramatic shift over the past several years that I haven't seen described elsewhere.

In my experience "study abroad" - and, in terms of raw numbers, most of this trend consists of single-semester outings, which frequently involve paying regular tuition for one's home university in addition to an array of housing, travel, and administrative fees abroad - is very much mainly an option for students who don't need to finance their own education and who aren't taking out loans. Which, as far as I'm concerned, is appropriate: Most study abroad programs are more tourism than education, anyway. It's not as if more than a small share of undergraduates abroad are seeking out the world's finest experts in their fields of interest, and students typically take classes taught in their native language.

Travel isn't inherently virtuous, and the cross-cultural experience that many students get is more comparable to a week spent in Disneyland than it is to anything that seriously challenges or edifies.
1745  Forum Community / Forum Community / Re: Going to New York on: March 29, 2016, 10:23:59 am
What parts of Upstate are you visiting?
1746  Presidential Elections - Analysis and Discussion / 2016 U.S. Presidential Election / Re: Why does Hillary Clinton tend to under-perform expectations? on: March 28, 2016, 10:45:37 pm
She didn't in NY. Lazio was supposed to make it a close race and he got crushed. She won by a huge margin in 06 too despite being "polarizing" and yadda yadda.


Lazio was not a strong candidate. The race was treated as competitive because it looked as though it would be when Giuliani was campaigning as the likely Republican nominee. Following his (very much unexpected) withdrawal, the Republicans decided to try their best even with a much weaker statewide candidate; the election was too important and too high-profile to openly concede, even with slim odds of victory. National coverage mostly bought into this, but local coverage was more grounded in reality.

Statewide conditions were much stronger for Republicans in 2000, but in terms of statewide candidates Lazio was about as formidable as Rob Astorino (if Astorino had a lot more money, which Lazio only had because he was an eleventh-hour replacement candidate in a contest that had already reviewed substantial and nationwide hype).
1747  Presidential Elections - Analysis and Discussion / 2016 U.S. Presidential Election / Re: Clinton Strategist: No More Debates Unless Bernie Sanders Changes His Tone. on: March 28, 2016, 10:28:48 pm
...inviting obvious jokes about Clinton only speaking in NYC when there's a six figure paycheck involved.

I know that this is normal process bickering, but the fact that it's happening in Cuomo's NY leaves such a awful taste in my mouth that I can't help getting upset about it. Our primary is almost always too late to matter, and dominated by machines on both sides even when it does. Our state elections are a joke, and most people living here - especially Upstate, of course - feel disenfranchised, disengaged, and disempowered by state government. Our notoriously stage-managed and tight-lipped governor just gave his first open press conference in nine months... on Easter weekend. So it's particularly frustrating that "our" former Senator (whose campaign has been no less stage-managed or insulated from the media and, by extension, the public, than our esteemed governor) would refuse to debate here.

Jesus Christ, do these people ever make it hard for me to vote for them.
1748  Presidential Elections - Analysis and Discussion / 2016 U.S. Presidential Election / Re: What Clinton should do when this is over. on: March 26, 2016, 09:31:17 pm
Literally Beet right now:

1749  Forum Community / Forum Community / Re: The Irony Oremine on: March 26, 2016, 09:45:38 am

...
1750  General Politics / Individual Politics / Re: Opinion of Nelson Rockefeller on: March 26, 2016, 09:35:39 am
We, as a modern American political spectrum, can agree that this guy was horrible and it's a good thing we've left his sort back in the past.

Speak for yourself.  I'll take a pro-civil rights Rockefeller over the hick trash that gets to define "conservative" today...

It's very unlikely that you're from a social strata that Rockefeller wouldn't have regarded as the equivalent of "hick trash," although that's no guarantee that he would not have taken the first possible opportunity to sleep with your wife...

Mega-HP. Thankfully, his kind are in the party where they belong.

This is an odd statement to make only four years after Mitt Romney won the nomination of a Republican Party chaired by Reince Priebus. As much as we talk about how the Republican Party was reborn in the image of Goldwater's conservatism, Ronald Reagan is the only nominee since 1964 who hasn't had more in common with descendants of the Rockefeller faction.
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