Salary Expectations......

na 70-75 miles north 90 round trip to around white plains, i used to live in brewster, move 10+years ago to pawling, about 10-15 mins north of brewster, our town is really one of the last civilized outposts after us its a lot of nothing, not saying we have much either

i dont think alot of people need to read anything, i just think the vast magority of newschoolers needs to graduate highschool.

when i was 15 i still pooped my pants and thought i was going to be an astronaut.

some people here get it, mostly those who have attended post secondary and have lived reality.

the rest speculate, because reality is still 10 years away.

judging by your example i think your confusing stupidity with education.

schools cant teach students about credit cards, or interact processes, or text message loans because these are services offered by financial institutions.

thats like me taking a culinary arts class and learning how to make the perfect registered subway cold cut combo.

ps - i eat three a day to help keep me strong.

This makes no sense for two reasons.

1. There are general truths that apply to all of these services. A credit card functions in a particular way; your rates, rewards, and specific details will vary, but the basic underlying idea of a credit card (and credit's role generally as a proxy for your worthiness as a borrower) is obviously something that can be taught in a classroom. Same thing with deferred income plans - all 401ks or RRSPs in Canada are different and have their own attributes, but a high school class is a great place to teach people the basics of how these things work and why they're valuable. Same thing for equity and debt investment, how markets work - it's high school, no need to get complex, just give people a basic understanding of what a mortgage is. There is no reason this is somehow unteachable.

2. Cold cut combos are terrible for you. Check the caloric intake on that shit vs. protein %age. Not to mention the sodium in processed meats. Ham is a much, much better option as far as value meals go.

Where did i not make a valid point?

just cause you dont understand, or disagree, dosnt mean it didnt happen, or that im stupid. plus my dicks bigger then yours, so i win regardless.

your example is nowhere even remotely close to my example. your talking about physics and mechanices, which fall 100% under the sciences lable last time i checked.

my point, and you might want to have seat for this since it wrecked your brain so hard last time, is that while a school might be able to teach about finances very very generally, they cant teach specifically about credit cards, loans, text loans, high interest saving, rrsp's etc etc etc for a plethora of reasons.

if you have a credit card, which i doubt, ask your parents what their interest rate is? what is their limit? do they have over spending on that limit? i guarantee the details on their card is way different then mine. why? because again, loans and credit cards and anything even remotely related to a bank whatsoever differs from client to client. how is a school to teach on something which is so incredibly broad and differs from one bank to another, or one lender to another, or one service to another and so on. hence why they dont.

every large auto company is different yes, but a car is a car is car. deep down they all work the same fuckin way, regardless of who they're made for.

and physics, i dont even know where your coming from with that one, i just think you wanted to say a word that starts with P to try and impress me.

I cant for the life of me figure out why people complain about highschool teachings. its high school. its FREE! what have you ever got of any value to you that was free? finish it, then when you want to learn about something important go to college. pissed they dont teach you about finances, computers, or healthy living? teach your fuckin self then. read a book.

next time i suggest you read the whole thread before jumping in. if you bothered reading my previous posts i think it would have given you a lot better understanding of what this conversation was about before you decided to pop in with your two cents.

Happy Gilmour??

i havnt haz a cold cut in years, not because of the crappy meats, but mostly cause it gives me the shits.

Congratualtions, i said which i doubt, no you guaranteed dont.

so then why dont they?

i never said you wernt or hadnt, re-read what i wrote.

so then why dont they?




you seem so worried about being insulted that your missing the point.

im not here to offend you, i dont even know you.

care to ellaborate?

or just chipping in your comment with no real opinion?

youll never be rich but youll never be poor.

shits comfy bro

You're in Calgary oil? That's awesome, what company do you work for? Clearly I was way off base with my assumption as to your age / station in life as I figured you for 19-22ish.

Sack.

have you ever applied for a card/loan? the first thing that is presented to you is rates. if you can read, and you can comprehend information, you should be well informed as to what you are getting yourself into. everything thinks credit cards are terrible. credit is great, its dept that is terrible. dont want to aquire debt? then dont opt for loans you can not afford. i really dont think highschool's should have to or need to teach students about these things, people need to take a little responsibility and read what they are signing. i know my interest rate on my card off the back of my hand, i know what it goes up to if i dont pay my balance. i know what percentage of interest on my savings account, i know what im contributing to rrsp's, i know my phone bill monthly, car insurance, mortgage, etc etc etc. none of which was taught to me in school. and even if they did teach you these things in school, i highly doubt there would be an improvment. highschool health class teaches you about STI's, drugs, general nutrition, do you think these problems are getting better? or much much worse?

you mention rent-to-own furniture stores, which is a great example. business take advantage of these opportunities because too many people fall victim to it. cant afford to purchase that 55" flat screen? then dont fucking buy it. sure you can put it on a store credit card, but you are going to pay interest if you do not make payments, know what that means? it will cost you more then it would if you didnt put it on credit. EVERYTHING works this way. everything. seems awfully god damned commen sense to me.

no, technically highschool is not free. if you really want to be technical about every little fucking detail then fine you win. canada has "free" health care, but wait, its not free, we pay taxes. my gf gave me a gummer, but wait thats not free, i took her for dinner. come on, its technically free.

and yes, i have heard of opporunity costs. which i personally think you can apply to anything. im sitting in a office making xx an hour, when i could be playing in the NHL making xxxxx an hour if i had of dropped out of highschool and played hockey all day everyday till i was good enough.

everyone can go to college, bitch. i bust both my nuts off everyday so i could afford to put myself through school. not a single fuck or penny was given to me by my folks or anyone else for that matter. the only people that CANT go, are the ones who dont want to and gave up. If you want to bad enough, you can, no matter what. i did, so im damn certain you can to.

and no, im sure most highschool students dont want to teach themselves about commerce, financing and budgeting for no credits and on their own time. but those who do, have a batter understanding of what can happen in these situations, which seems like a good use of time to me. its kind of a shame so many people think they should be rewarded for teaching themselves something that is beneficial to them. i dont want to spend my time learning about something that school dosnt teach me so fuck it, im not gonna learn about it. then when your up to your eyes in debt you blame school because they never taught you about it? thank you for proving my point. fuckin lazy ass kids wont invest time to educate themselves.

ya, read a book. my highschool didnt offer any sort of auto mechanics class when i was in highschool. few weeks ago i wanted to change my oil but didnt know exactly how. i read a book, learned how, applied it, done. which was my point. there is a shit ton of info out there that is not taught to you in school. if you cant find it at your school, take a little initiative and search it out for yourself.

so ya, any book. you can go ahead and read whatever floats your boat. i dont have a specific book in mind for you seeing as how i dont fucking know you. but im sure you will chose something you enjoy.
my read a book comment was not intended to have any sort of condescending tone to it. just because i read material which i find usefull/ interesting does not mean by any length i am smarted then you. i read books because i DONT know everything.

try not to be so butthurt next time. im not insulting you. you and i have a difference of opinions, many of your opinions i disagree with. dosnt mean your an asshole, or your stupid, dumb, retarded, gay etc etc.