Community > Posts By > oldkid46

 
oldkid46's photo
Thu 02/20/20 12:43 PM
Email today reflects the use of smart phones and an inability to actually make understandable communications. I can't read your mind and understand when you make a one or two word statements.

I find that many, when they talk on the phone, just babble and can't actually say anything useful. A phone conversation over 10 - 15 minutes most of the time is just you listening to yourself talk. Often times it is the same when meeting in person. I want to learn about you and share my thoughts but often times it is like listening to someone in the bar telling stories, all BS and no substance. There is nothing wrong with spending time with someone yet not constantly talking; sometimes silence is golden!!

oldkid46's photo
Thu 02/20/20 09:53 AM
It does depend on the distance. If they are within an easy driving distance, 1 to 2 weeks. If it is a considerable distance, say more than 50 miles, it may be a month or more before I am in that area again. I generally prefer sooner than later!

oldkid46's photo
Wed 02/19/20 12:14 PM

which is also part of how that score is generated
Yes, part of the calculation is your debt capacity based on your income versus how much of that capacity you currently are using. My current credit score is somewhat reduced because of my income and my current mortgage I am carrying. When I sell the mortgaged property and pay off the mortgage, my credit score will increase.

oldkid46's photo
Wed 02/19/20 08:27 AM








If you're not responsible for your own education, why would you be responsible with other people's money?


Because of their nature of being a payment for Use as it is used. Whereas loans for school are FUTURE payments for something predicted to be used, but often not useful after all.



So they shouldn't expect people in medicine going for their doctorate - be physicians?
People studying law, be attorneys? They are receiving the education for purely just having knowledge? Then they shouldn't be getting loans at all. They should be buying what they can afford with the career they chose. Or get a bank loan or line of credit to do so. Either way, it will amount to a regular loan. At least with the latter idea , you can file for bankruptcy.



They shouldn't allow history with student loan payments to be used as an accurate reflection of responsibility towards pay as you go services, like rent, utility, or car notes.




Why not - is it not important to know?


Not when considering credit, no, unless it is a complimentary listing for informative only and not counted to the rating of your credit.



If you owe money on a student loan it should be on your credit rating because you owe that money, the amount you make is reduced by the amount of your payment every month so you have less resources to pay back the debt of another loan. The people loaning you money have every right to know that you have less money available every month to pay your loan back. And just because someone has an education does not mean they make more money or that they are smart with their money, it usually means they have worked at a job less, and if they defer their student loan debt at all that should lower their credit score even more because clearly they aren't capable if paying their debts back.



You miss the point. If ALL That is being considered is a score, that is NOT an indicator of how you pay your BILLS, which are different than loans.


IF a person has no history of missing their car notes, rent, utitilies or other ongoing MONTHLY Expenses, that is more of an indicator that they pay their monthly bills than if they have outstanding LOANS.
It is not about having outstanding student loans, it is if you are currently making your student loan payments. Failure to take responsibility for student loans is no different than not making your car loan payment other than you are motivated to make car payments if you want to keep the car. The student loan system needs lots of improvements but it is still a debt someone took on and is responsible for.

oldkid46's photo
Wed 02/19/20 08:18 AM
A combination of age, lifestyle, travel, and scarcity of what I'm looking for.

oldkid46's photo
Tue 02/18/20 07:51 PM
I guess it would work if neither of you were capable of becoming sexually aroused. I don't see it for people who still desire to be sexually active.

oldkid46's photo
Tue 02/18/20 02:54 PM
There are many real gentleman out there but there are several problems: most of you won't recognize one when he comes into your life and if you do, you won't respect him as the gentleman he is. As River said, look for ways their behaviors are those of a gentleman and appreciate them for it. If a gentleman holds your coat for you or opens the door for you, a "thank you" is much appreciated; if you take it for granted, it will soon not be happening for you.

oldkid46's photo
Tue 02/18/20 08:50 AM
If you believe that more money makes a better public education, then you are concerned that private school vouchers reduce the amount of money available to the public schools. In some areas the public school system will actually provide some types of alternative school or an altered curriculum for students who do not "fit well" in a traditional school setting.

oldkid46's photo
Tue 02/18/20 08:39 AM
OP has decided he didn't want to hear from us anymore!

oldkid46's photo
Tue 02/18/20 08:36 AM
Obviously somebody was not satisfied in the marriage! It takes 2 to fix it but only 1 to end it. You need to look at the why if you are going to get into another relationship in the future. Maybe now your ex will share with you her feelings of what was missing.

oldkid46's photo
Tue 02/18/20 08:08 AM

I think we all do have the same rights, here anyway. The bill of rights is pretty clear, even though some people like to think otherwise.
We all start with those same rights, the difference is in if you took full advantage of those rights or followed the course of least resistance. Take education for instance. Every child has a right to a public education as it is provided by their state and taxpayers. While all public education is not equal, you have the opportunity to make the most of what is provided. If you cannot show up and do your best to learn, it is an opportunity you did not take advantage of and you deserve the result you got. Public education is a perfect example of socialism in action.

oldkid46's photo
Tue 02/18/20 07:48 AM
I could consider socialism IF everyone could be forced to contribute to their full potential. The reality of the human condition is that some do make that level of contribution but too many want to do the very minimum they can get away with. When the high level contributor finds that they are sacrificing for the under performer, they tend to rebel and no longer are willing to perform at the higher level. This downward economic spiral has destroyed all totally socialist economic systems. Most people seem to want a capitalist economic society with some socialism for the truly incapable.

oldkid46's photo
Tue 02/18/20 07:35 AM
Neither right or wrong as long as it is mutually agreed. Myself, I can be comfortable with one but prefer multiple nights and the sex gets better as you start to learn about your partner.!

oldkid46's photo
Sun 02/16/20 08:06 AM
When I was in my teens, I would say my social maturity was a few years behind my age group so I always felt more comfortable with a girl a couple years younger. Advance many years forward, I'm now comfortable in most any situation but still enjoy a younger lifestyle than my age. I now find most people in my age group old and have relegated themselves to just surviving their last few years; they have forgotten how to actually live and enjoy life. Mostly I'm looking for someone younger or who at least lives a younger lifestyle!

oldkid46's photo
Fri 02/14/20 08:24 PM

omg, what a sour grape.


It would seem the message contained was not received. It was not a sour grape but a statement of the reality of life as we live it! If it were not true, then there would never be anybody without someone in their life.

oldkid46's photo
Fri 02/14/20 07:48 PM
There is nothing "right" or "wrong" with people on this site just the difference in who we are and what we are looking for from life. What we offer each other is not what the other wants so that we all get rejected and are unable to make anything meaningful happen together. There is nothing to share so we will all be alone as long as we are unwilling to accept the other as they are and make the best of what we find. It is as 2 strangers passing in the night and not even knowing the other exists. Enjoy the trip as best you can for there is nothing more!!

oldkid46's photo
Thu 02/13/20 06:29 PM
The unfortunate circumstance with student loans is that both the student and their parents have very limited financial literacy. Most don't seem to understand what they are taking on and agreeing to for their future. Just one of the failures with our education system!!

oldkid46's photo
Thu 02/13/20 06:20 PM
Seems that most women on this site and many others are looking for a wedding ring or close to it. Save your effort at finding someone and just enjoy the BS on the forums!!

oldkid46's photo
Thu 02/13/20 11:25 AM



College loans: Reduce interest, keep it seperate from credit and not present on credit reports.

If not for student loans, I would have perfect credit, because I otherwise pay any bills I have, from rent, to car loan, to utilities. Yet, moving is always a complication because of a credit score tied to student loans. I wonder how many other people in the country would have a real fresh start if they could clear the loans off of their credit scores.



Why should it be treated different than any other debt? It is a commitment of part of your income to a creditor in the same way as your car loan is other than there is nothing that can be repossessed to reduce the debt. If it is a government loan the interest rate should be minimal.


Student loan is qualitatively different in the sense like a company provides training program for employees to enhance their profitability or like upgrading skills of soldiers.

Else why discuss subsidized college fees using taxpayers money if not for nation building. (sorry if I'm ranting but this is because we subsidize education in our top institutes and they go get employed in the USA)

And all Ms. Harmony is suggesting is - Edu loan need not be reflected on credit score. In other words, if I have acquired a PhD and have a loan of $50,000 I would not be able to afford a car while a mechanic who has no loan, would.
There is an assumption that when you increase your skill set through education your income will also improve thus providing you additional funds to reduce your student debt and maintain a good credit score. A 50k student loan and a 100k income should be compatible. Most of the people with problem student debt are those who did not finish their education or who completed an education that had no employment value. I call them an advanced basket weaving education for no employer will pay you for those skills!! I would never support "free" college but could support a reimbursement program where your tuition and books were reimbursed to you when you successfully complete a quarter or semester.

oldkid46's photo
Thu 02/13/20 07:21 AM

College loans: Reduce interest, keep it seperate from credit and not present on credit reports.

If not for student loans, I would have perfect credit, because I otherwise pay any bills I have, from rent, to car loan, to utilities. Yet, moving is always a complication because of a credit score tied to student loans. I wonder how many other people in the country would have a real fresh start if they could clear the loans off of their credit scores.



Why should it be treated different than any other debt? It is a commitment of part of your income to a creditor in the same way as your car loan is other than there is nothing that can be repossessed to reduce the debt. If it is a government loan the interest rate should be minimal.

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