Gay Chat V11 - Were you expecting something funny? - General

Also, trying to decide on a new apartment to move into. $125 more per month... thats $1250/year. Not really a big fan of deciding to pay more. But I gain a dishwasher, more counter space, possible fireplace, and a tub that isn't awful. I lose a bedroom, but I wonder if that even matters because I'm rather sure that this other place is the same/larger square footage anyways. I only use our current 2nd bedroom as a computer room anyways.

[QUOTE=KorJax;44680285]Loans+scholorships Seriously, loans aren't a big deal when you aren't getting unsubsidized loans, stay in-state, get scholorships/financial aid, etc. 4 year degree at my local state college is rougly ~$15-$30K, depending on scholarships and financial aid (you get a LOT of this if you are actually poor and/or independant from your parents). Having even 25K in student loan debt is easily surmountable, and if you get the subsidized loans you don't have to pay them back and you don't get interest until 6mo after you graduate. Yes, debt is ideally something you don't want to involve yourself with ever. But when it lets you follow your dreams and get a job that lets you pay off that debt, it's worth it in the long run.[/QUOTE] Honestly if you ask me panicking for not being able to afford college/uni is a very prudish thing and incorrect only if you live in poverty. And i mean, you don't know if you can afford dinner this week poverty. No one can afford college, even cheap colleges are expensive. I never met a single person who was able to pay for college by themselves without any sort of grants, scholarships, or any form of financial aid.

American university is stupid. To be indebted for the rest of your life because you wanted to get a good education? Thankfully I live in Europe.

[QUOTE=Gray001;44680884]American university is stupid. To be indebted for the rest of your life because you wanted to get a good education? Thankfully I live in Europe.[/QUOTE] Thankfully this is only true if you insist on going to big out of state colleges or private colleges. Unfortunatly, there are way too many people who do this. $25k debt is pretty surmountable. That's paying maybe $100-200/mo toward your loans for 15-30 years, even less than that if you can pay it off sooner. I could technically do that working my current job as much as it would suck.

I'd rather stay dumb than get in debt

[QUOTE=KorJax;44680911] $25k debt is pretty surmountable. [/QUOTE] Fuckin' [I]where[/I]

I like Australia's way of handling student loan repayment, you only pay it back when you actually have income If you go a while without finding a job you don't have to pay

Probably why I'm never going to college :v:

[QUOTE=KorJax;44680911]Thankfully this is only true if you insist on going to big out of state colleges or private colleges. Unfortunatly, there are way too many people who do this. $25k debt is pretty surmountable. That's paying maybe $100-200/mo toward your loans for 15-30 years, even less than that if you can pay it off sooner. I could technically do that working my current job as much as it would suck.[/QUOTE] 25k in debt is like NOTHING when it comes to colleges, that's actually shockingly good for colleges. You could pay off a 25k debt with a slightly above minimum wage job in a few years.

You only have to pay for College over here if you're starting a course and are over 19 years old. And I'm starting my course at 18, so I basically get a free year cus it's a 2 year course. Woo, educational system \:v:/

[T]http://puu.sh/8sTwg.jpg[/T] Apparently a leprechaun donated the wrong jacket.

[QUOTE=Viva;44681096]25k in debt is like NOTHING when it comes to colleges, that's actually shockingly good for colleges. You could pay off a 25k debt with a slightly above minimum wage job in a few years.[/QUOTE] That's assuming you get a job that's above minimum wage. I've tried, no luck. In fact, couldn't even find a minimum wage one, and in the US, you can't claim bankruptcy and be rid of your student debt, that shit stays with you. It's kind of sad when people call thousands upon thousands of dollars "nothing" for a service that should LITERALLY cost nothing.

Why do so many people get scared by debt (actually scratch this I understand it, but it's irrational!). In my opinion you [I]want[/I] to be getting into debt at some point in your life, it means you're doing well if it's the right kind. Whether it's for uni or for a house or to start up your soon to be multi-billion dollar multi-national corporation. Rich people are in debt most, if not all, of their lives; the only difference between the rich people in debt and the poor people in debt is the rich are in good debt with sensible investments and the poor are in bad debt. Obviously things can go wrong and good debt can turn into bad debt so being wary is good, but being so scared you wouldn't go to university to avoid it is giving up an excellent investment.

[QUOTE=Gray001;44681197]That's assuming you get a job that's above minimum wage. I've tried, no luck. In fact, couldn't even find a minimum wage one, and in the US, you can't claim bankruptcy and be rid of your student debt, that shit stays with you. It's kind of sad when people call thousands upon thousands of dollars "nothing" for a service that should LITERALLY cost nothing.[/QUOTE] It honestly baffles me when folks can't find even minimum wage jobs because i can't go anywhere in any part of Pennsylvania which is mostly rural, and not see plenty of places hiring. I'm on a college campus in downtown philadelphia and there are even 3 stores literally not even a block from my apartment complex that have been advertising that they want help. This is at a college campus where plenty of folks want a part time job and nearly everyone HAS one.

[QUOTE=Viva;44681257]It honestly baffles me when folks can't find even minimum wage jobs because i can't go anywhere in any part of Pennsylvania which is mostly rural, and not see plenty of places hiring. I'm on a college campus in downtown philadelphia and there are even 3 stores literally not even a block from my apartment complex that have been advertising that they want help. This is at a college campus where plenty of folks want a part time job and nearly everyone HAS one.[/QUOTE] I sympathise more with Gray on this one, just because there are jobs doesn't mean you can get one. I only got my job because I was friends with people who worked there and had already spent a [B]lot[/B] of money getting my motorcycle license. My younger brother has been looking for a job for almost a full year now and he doesn't have a shortage of places to apply, they just want someone who already has retail experience. To get a job, you need a job. Or friends. Lots of friends.

[QUOTE=Viva;44681257]It honestly baffles me when folks can't find even minimum wage jobs because i can't go anywhere in any part of Pennsylvania which is mostly rural, and not see plenty of places hiring. I'm on a college campus in downtown philadelphia and there are even 3 stores literally not even a block from my apartment complex that have been advertising that they want help. This is at a college campus where plenty of folks want a part time job and nearly everyone HAS one.[/QUOTE] "Just get a job!" Because that sure is FUCKIN' easy, isn't it!? Especially in Rockford, yeah, okay! I'll just ask the fuckin' [B]job fairy[/B] howbout that.

How do american student loans work? Do you have to pay off the debt whilst you're studying?

[QUOTE=Zillamaster55;44681315]"Just get a job!" Because that sure is FUCKIN' easy, isn't it!? Especially in Rockford, yeah, okay! I'll just ask the fuckin' [B]job fairy[/B] howbout that.[/QUOTE] I'm not saying to 'just get a job'. I'm legitimately saying that it baffles me that people can't find them because everywhere i look people are hiring, where i live it seems like theres a literal excess of minimum wage jobs. [editline]29th April 2014[/editline] [QUOTE=gerbe1;44681309]I sympathise more with Gray on this one, just because there are jobs doesn't mean you can get one. I only got my job because I was friends with people who worked there and had already spent a [B]lot[/B] of money getting my motorcycle license. My younger brother has been looking for a job for almost a full year now and he doesn't have a shortage of places to apply, they just want someone who already has retail experience. To get a job, you need a job. Or friends. Lots of friends.[/QUOTE] its useful to note if they say retail experience required, or preferred. I got my job at a place that asked preferred retail experience. It was my first job, of which i had no previous experience with.

[QUOTE=Viva;44681382][editline]29th April 2014[/editline] its useful to note if they say retail experience required, or preferred. I got my job at a place that asked preferred retail experience. It was my first job, of which i had no previous experience with.[/QUOTE] I think it's better to take your situation as an outlier in that case though. Additionally, everyone I know simply lied and put that they used to work at some shop or another for a few months. So if you're willing to do a bit of fraud then it gets a whole lot easier. Not everyone is though.

I don't know if i'd say i'm an outlier. My brothers had plenty of jobs that he quit on his own accord, all minimum to slightly above. Sister as well, mother ditto. Two of my friends have been swapping around jobs just to see what they like. Minimum wage jobs are easy to get. Here in philadelphia theres plenty. And im talking minimum wage jobs here, flipping burgers, working a register. None of those require past experience. Fast food chains like Burger King and McDonalds never ask for experience unless you're going for something above minimum wage.

[QUOTE=Viva;44681382]I'm not saying to 'just get a job'. I'm legitimately saying that it baffles me that people can't find them because everywhere i look people are hiring, where i live it seems like theres a literal excess of minimum wage jobs.[/QUOTE] I'm sorry....I was super pissed since I have no clue what my future will be.

im using financial aid to pay for my college

Took me a very, very long time to get my first job, then a very, very long time to get my second job. It's a very big case nowadays of "Who you know, not what you know". A majority of the people I know (And myself) have a job in their field due to the fact they knew someone in it, not because they studied for it. Of course jobs that do require study, like healthcare and laws and stuff need studying, but for most other fields, you can get away with knowing someone.

I do think that the people who have jobs certainly weren't likely to complain about how difficult it is to get a job before they had one. Some of them at least had to be determined mofo's and fought against all the other prior experience people. [QUOTE=Viva;44681458]I don't know if i'd say i'm an outlier. My brothers had plenty of jobs that he quit on his own accord, all minimum to slightly above. Sister as well, mother ditto. Two of my friends have been swapping around jobs just to see what they like. Minimum wage jobs are easy to get. Here in philadelphia theres plenty. And im talking minimum wage jobs here, flipping burgers, working a register. None of those require past experience. Fast food chains like Burger King and McDonalds never ask for experience unless you're going for something above minimum wage.[/QUOTE] Does the minimum age there vary depending on your age? If you're over 14 or 16 here they are very unlikely to hire you at places like McDonalds because they can hire high school students instead and pay them a lot less. Then if you do get hired you don't get any hours because again, 16 year olds can do just as well as a 20 year old at flipping burgers.

At my current job we hire 14 years very very often. I got my first job 'real' job when i was 13 and was being paid illegally at first. Also typically McDonalds prefers to hire 20 somethings because they aren't bound by labor laws and are easier to pay with much less to deal with.

[QUOTE=Viva;44681544]At my current job we hire 14 years very very often. I got my first job 'real' job when i was 13 and was being paid illegally at first. Also typically McDonalds prefers to hire 20 somethings because they aren't bound by labor laws and are easier to pay with much less to deal with.[/QUOTE] Is this the same one that hired you without retail experience (the one that hired you when you were 13 and was paying you illegally)? I think that emphasises my outlier suggestion :v:

[QUOTE=gerbe1;44681573]Is this the same one that hired you without retail experience? I think that emphasises my outlier suggestion :v:[/QUOTE] Most minimum wage jobs do not require retail experience. I really wanna stress here that im talking about minimum wage jobs here, basic jobs. Not careers or more involved jobs. Over Here its common to see 14 year olds working, not limited to my job. It may all be due to where i live. But what i'm saying is that where i am, minimum wage jobs are piss easy to obtain.

[QUOTE=Viva;44681585]Most minimum wage jobs do not require retail experience. I really wanna stress here that im talking about minimum wage jobs here, basic jobs. Not careers or more involved jobs.[/QUOTE] That's what I am talking about as well. Where I am, everyone hires retail experience over non-retail experience, why wouldn't you? Less you have to spend training them. It isn't required, but it is greatly preferred. [editline]30th April 2014[/editline] Ok. Everyone who needs a job. Pack your bags. You're going to Philadelphia. :v:

I guarantee you large large chains like burger joints really don't have preference.

[QUOTE=Viva;44681616]I guarantee you large large chains like burger joints really don't have preference.[/QUOTE] Yeah but (and again like you said we're talking your location versus mine or something like $7.25/hour (?) minimum wage versus $17/hour minimum wage) in those cases they don't hire anyone over the age of 18. And anyone still working there at that age gets their hours drastically reduced.