rivermonsters87

quote:

---

I would like to know how much of this $1.5t is from undergrad tuition at private universities

---

That goes without saying...

LSU Bachelor Degree Total Cost= 30,000
University of Phoenix Bachelor Total Cost= 60k

quote:

---

The politics of the region simply don't show that would happen. South Korea recently elected a very dovish President in the face of a nuclear North and hasn't shown any desire to develop nukes. Japan has shown some desire to grow conventional defensive capabilities but nobody I know of there is expressing a desire to develop nukes in part because of our use of them there in WW2. They, and the South Koreans, feel comfortable falling under the US Nuclear Umbrella because a nuclear North does not change the equation in the region all that much. If they didn't want them when the Chinese got them, they won't want them now.

---

This is exactly what I am talking about. People assume that everyone wants nukes but in reality, the developed world wants less or none. We can't stop these rogue nations from eventually developing nukes. Period; however, we can have measures in place to give them every reason not to launch. Besides, North Korea and Iran just want them as insurance policies. If you were in Iran's shoes or North Korea's shoes, the US looks quite big and scary and an enemy. An Enemy in which was the only one to ever actually use a nuke. I'd say to IRAN, if you develop a nuke or start production of one, we will help Israel have the most powerful Nuke in the region. If you dont want Israel to have a nuke, then don't develop.

quote:

---

I don’t buy the argument that prices are high because demand is high

---

Like a previous poster posted, demand is high because the government is handing loans out like candy; however, demand is still high nonetheless. If they would stop giving out 100k loans to students who are ultimately going to work at Wal-mart with the degree and never be able to repay the debt, then demand would go down. It is a long-term trend because the student loans are still available. People with bad credit and horrible money management skills are taking out 80k loans and never repaying. Yet, we are investing in it, horrible returns.

They have made college inaccessible for the middle class. (As in, graduating without debt.) The demand is high because of the false promises of a better life with a degree; however, a degree does not change a persons intelligence. Many programs have lowered academic rigor in order to keep people who should have never been allowed in, in. For-profit colleges have jumped at the opportunity to enslave kids who would have been better off in a trade school. Most of our Universities care more about their football brand than student success. Every year, European students are scoring higher on intelligence tests than Americans but graduate with no debt. In Germany, only the brightest can enroll in college (for free) and only about 50% of them are able to graduate because of the challenges of the academic rigor. Germany doesn't mind paying the bill for the truly bright;however, will not waste money on people who should have never been admitted, like in the U.S.A. Universities for-profit and non-profit alike are damaging our future economy based on false assumptions of a better life. Many of the students, who should never have been admitted, are graduating with useless degrees and lack of program accreditation. The lack of their research into the program for which they enroll, suggests they should not be in college. What reform would you suggest in order to fix this problem? Trump seems to be ignoring it.

Yes, I have a degree and currently, working on an M.B.A; however, I found ways to do it without getting into debt i.e. military. Unfortunately, many Americans are not considering alternatives to student loans. Honestly, the only people who should have student loan debt should be Doctors, Lawyers, Engineers etc., not history, business and arts majors.

Age 30
Household Income: 54,000 take home (I live in an area that takes a LARGE tax % and is a very expensive place to live. The average apartment costs 200k)
House worth 380k paid down to 222k (158k Equity) The mortage is 2% because our parents co-signed and have a nice size net worth to back the loan. 15 year mortage with 40,000 coming from a state program with 0% interest
2015 Car Paid Cash
2015 Monthly Payment of 180
Mortgage Payment with utilities/insurance= 1200 per month
Credit card with credit limit of 1800 (No Balance owed, just sits in wallet)
2200 in personal loan
6k in savings
Retirement savings next to nothing.
Paying cash for M.B.A about 450 dollars per month.
No other debts.
Have health insurance on whole family.
Cant get life insurance because I am Bi-Polar (My Bi-Polar has caused some issues in the past but mainly causes me to get very creative in music, video production etc. I was even able to work with 3 Doors Down. The problem is that I tend to obsess about certain things and take huge risks. For example, I have wasted thousands on business ideas that never materialized. I want to obsess about the right things and that is where i need your help. This is the main reason i have not messed with the stock market because i know it is entirely possible for me to put large amounts of money in bad investments.)
Wife has life insurance


Honestly, the whole thing about being declined for life insurance is scary. My question is, "What should i focus on first?" Paying off the house, building retirement, paying off the personal loan, quitting or continue to go to school, build a larger emergency fund?

Thanks for the help!

Do you think that this is a real threat to us Republicans? Will impeachment be the first thing that the Dems seek out, if they win the House? Do you think this reporting from the liberal news heat up as we approach the mid-terms? Source:LINK

Yes its CNN, but you have to remember, thats what the libs watch.

How many C's are you allowed in this program? lmao

Well Week 2 ACCT 701 just got a little more difficult. I'm looking at the learning objectives for the week to cram all that info in my notes and then her PP slides have additional info. She said to focus on the PP and skim the readings but its hard to skim the reading if some of the information from the learning objectives are not in the PP.

These are tactics North Korea has used for a looooonnng time. The basic idea is that they will get the world excited about a possible open border with South Korea, friendship with the west, stop all war talk, etc. etc., then out of no where, they retreat on all of the talks of peace. They usually do this to make the leaders of the West look bad; however, the West usually understands this and it never comes as a surprise. This time however, they might be on to something. They know that the Western world is not happy with Trump. They also know that because of the lack of world confidence in a "Trump America" that if they make it look like the United States is to blame for the peace failures, they will drive an even larger wedge between Europe, South Korea, Japan and the United States which is their ultimate goal, along with Russia and China. People don't seem to realize how important a strong coalition between Europe, U.S.A, Japan and South Korea is. Without these coalitions, you might as well get ready for WW3, economic downturn, the rise of Russia/China world policies.


Mark my words, they will Blame every bit of this on the Trump Administration. MSM in the U.S.A, MSM in Europe, Russian Media, Chinese Media, South Korean Media ( something like, "We almost had a chance of peace with our Northern brothers/sisters but the friendship and war mongering policies between SK and USA have disrupted our chances", Oh and don;t forget about the Middle East blaming the USA for Middle East Conflict. All of the world with the exception of Israel will condemn us.


It was obvious from the beginning. How does North Korea go from, "We can and will be able to strike the United States anywhere, from California to New York City" to lets make a dance at the Demilitarized Zone and everything is cool now.

Honestly, go talk to and pay a financial adviser before you screw up your retirement. Yes, most of us know a general amount about investments etc.; however, we do not know your long term goals, your financial situation outside of these retirement accounts (assuming ok being as you have 100k in tax accounts) or your desired risk tolerance. Personally, I have

1.Vanguard Total Stock Market Index Fund Investor Shares 60%
2.Vanguard Total International Stock Index Fund Investor Shares 30%
3.Vanguard Total Bond Market II Index Fund Investor Shares* 5%
4.Vanguard Total International Bond Index Fund Investor Shares 5%

I also have a long time before retirement at 30 years old.

@ 48 y/o , You might be looking at something like:

1.Vanguard Total Stock Market Index Fund Investor Shares 50%
2.Vanguard Total International Stock Index Fund Investor Shares 25%
3.Vanguard Total Bond Market II Index Fund Investor Shares* 15%
4.Vanguard Total International Bond Index Fund Investor Shares 10%

Since, you didn't tell us your risk tolerance, this is more conservative. I believe if you do not know your risk tolerance, you go a bit more conservative.

@mtntreks

Wow, many changes have occurred. I was actually wondering about the BADM prerequisites because I wanted to sign up for a high level accounting course and it said BADM *** was required. Good to know this no longer applies. Sorry you had to pay all that extra money though, ouch. I have noticed that this is a self learning program. I really do wish there were lectures/videos from the professors;however, as long as they do not raise tuition to the extreme, i'm fine with it. Thanks for the info!