Perfumdiva1

Tami2

Thanks for the instructions

I had no clue

Son no.1 helped his useless Mother

One day I shall get it

Tami2

Kids are occassionally good for something...Hubby thinks they're for handing him the remote...LOL

Perfumdiva1

No it is perfect

Thank you soooooooooooo much

Sleep well

Dont get frost bite on the way to the bus stop

Definately Karma coming your way

Had a lot of fun tonight

PD
x

Perfumdiva1

OK

Dont know how to spread reputation, before Karma

What the bloody hell does that mean ?????????????

Perfumdiva1

Oh My God

Just realised

You must have been a child bride ????????????

Perfumdiva1

Looks like just u and me left

Everyone else gone to bed, sensible people

Up at 6am UUrrrghhhhhhh

Had fun

PD
x

Englishmum

It's a very bad idea buying an SUV for a young, inexperienced driver:

http://carfax.com/teen_driving/Teen_Safety_Home.cfm

(See article: Teens Can't Handle SUVs) :scared:

Yosser

um......

don't mean to be rude like, but would perfume and tami kindly **** off to the "lounge" if they want to carry on with the "I live in Dubai....hey girlfriend" bullshit.

I mean for once I thought I had come up with a thread that we could all chime in on, and all I get is 6 pages of shite!

Tracy in Texas

I wish my husband was working in Dubai !!!

Tracy in Texas

I have to agree with you there, I lived in Bahrain for three years and LOVED it - felt completely safe etc etc. (also had a 'house boy' - an Indian gent - to do all my housework, shopping, cleaning, washing etc etc etc )

Loved it there !! Miss it loads !

Tracy in Texas

Back on subject . . . .
Yes - most American kids are totally spoilt - they want it all and want it NOW ! It's called instant gratification, and that's why this country's inhabitants are up to their eyeballs in debt and many file for bankruptcy.
When I married my hubby he was in debt (which we paid off gradually) and since then I've been running the finances (thank God) We now have a nice house, plus a car and a truck (both 2001 models that we own outright ) and we pay our bills and credit card (NOT plural - one Credit Card only !) off every month. If we don't have the money, we don't buy it. Only debt we have is the mortgage - I even refied that when interest rates dropped and it's a 15 year rather than a 30. All these ways of thinking were totally alien to hubby but now he sees the value in my financial outlook.
I just couldn't sleep at night knowing we had loads of debt etc. Scary !! :scared:
The younger generation really need financial counselling at school, as things will only get worse. What really gets me is that they seem to think they deserve everything without putting an ounce of effort into it. I had to walk to work for two years (2 miles each way) until I could get a car loan to buy my first car (a Hillman Imp !) Now I see high school kids driving around in Camaros and BMW's - It's ridiculous !!
They take it all for granted and will never know the feeling of satisfaction of working hard to obtain certain things.
Awful !

Perfumdiva1

Oh piss of you miserable git

When we chatting, there was actually nobody else on the thread, apart from psb, and HE didnt have a problem

And the majority of the thread was related to the subject

jjmb

Sometimes being in debt is hard to avoid. My daughter is currently in her 2nd yr at University and we are paying all her expenses. However, once she has finished her undergraduate degree, she will be on her own as we have 2 other kids, hot on her heels. As she is wanting to go to Medical school, she knows she will be in debt by at least $100,000 by the end of it. Hopefully, she will be able to do a part-time job whilst she is studying or that might be a conservative estimate.

As for us, no doubt for the first time in years, we will also be facing a large debt as having 2 kids in College at the same time, we will have no option than to borrow money.

CalgaryAMC

I am going to play devil's advocate with this.

(1) College graduates today graduate in more debt than many of us have ever been in our lives, and they have paid more than most of us for that education. That drives the expectation of financial payoff. Having paid $100,000 in education, a job paying $20,000 is not acceptable. If you are bringing a hundred thousand dollars worth of intellectual capital to a firm, it needs to be recognized (financially). If that education isn't recognized as worth anything, why do companies keep requiring higher and higher levels of expensive university education?

(2) There is no financial safety net in the US, even social security is about to die, not to mention the potential for medical costs in later life. So, as an American graduate, you need to be earning more right off the bat in order to build a cushion.

(3) The college graduates I have met have been extraordinarly driven, ambitious, and hard-working. They work longer hours and at lower hourly pay than their European counterparts.

Of course, then you watch one of the MTV "reality" shows and you think they're all a bunch of hormone-driven layabouts with psychological disorders...but that's tv.

dunroving

To be Devil's advocate in return, I'm not sure that many students pay $100,000 on their education, but on the "must-haves" (car, Spring Break trips, cable TV, other toys) that go with the sentiment of this thread. Even if students don't work (and of course most of them do), figure $4,000 p.a. tuition/fees (I'm talking State school here, folks), $3,000 p.a. rent/utilities (I'm talking sharing an old house with 3 other students), and $3.000 p.a. groceries (I'm not talking Domino's pizza every night), and you get $10,000 p.a. times 4 years = $40,000 tops. Most students can be on mom and dad's health insurance, and do without all but the basic necessities, if they choose to. Work 20 hrs/week for 50 weeks at $5 per hr net = $5,000 p.a. income. All told, a 4-year education can easily be had for $20,000.

That's if you do it the way we did it in the UK not too long ago. But to do this, you have to sacrifice. It's ironic that while "monkey-brain" (I think that's what people on here call him) harps on about the sacrifices of US soldiers, he doesn't say anything about the general public sacrificing. There's just such a sense of entitlement to the best of everything - even if you can't afford it.

I think my estimates are pretty conservative too - I worked 40+ hrs a week during summers when I was working on my doctoral degree (here in the US), and 20 hrs a week during the semesters. 6 years of education cost me maybe 20,000 GBP tops - and that included one year when I didn't work at all, studying at a private school (unfortunately, 20,000 GBP was all I had - but it didn't kill me). That one year accounted for maybe 10,000 GBP of the 20,000.

Now if you insist on going to a private school for 4 years, of course the picture is different.