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[quote=bearishgurl][quote=flu][quote=bearishgurl]I vote that CA re-institute the writing portion on the SAT, ACT and TOEFL and apply the applicant’s essay/writing score to their composite score.

This is how it was done when I took the ACT … way back in the day.

This would most certainly weed out thousands of Chinese applicants, who would fail this portion miserably, causing their composite scores to plummet.

Too bad … so sad.[/quote]

So you took the ACT back then for college and you think you did better than most foreigners. So how did college work out for you BG?[/quote]Yeah, I took it … and scored a 31. I was admitted to CU – Boulder as well as Cal. But I didn’t end up attending university as it turned out to be too expensive for me and I had no one to help. It turned out my parent made $940 too much in my junior year of HS (their latest tax return) for me to qualify for a “BEOG grant” (nka “Pell Grant”) as a freshman (which was only worth ~$2K year anyway, and would not have been enough to help with room/board). Student loans did not exist at that time as they do today.

I elected to work FT right out of HS and go to state college in the city where I lived and worked. I ended up never graduating from CC after attending 4 state colleges/CCs in two states (one class at a time but not every semester) over a period of about 15 years, all while working FT. But most of my classes were occupational and did help me on the job, so they weren’t wasted. I then got a paralegal certificate (1 yr 500-level program) later in life. I was the only one in my program who did not have a bachelor degree but was admitted based upon atty recommendations from my long work record in the field.

Back then, US university seats occupied by foreign students were of mostly males from oil-rich middle eastern countries who were majoring in engineering. Yes, their fathers paid the full ride for them to attend US universities such as OU (petroleum engineering), CU Boulder and Cal, including renting them nice local apts or even houses for off-campus housing. These families didn’t waste money on a daughter’s education because females in those countries were brought up to be oppressed, covered up and subservient to men. The US didn’t have the influx of Asian university students as there is today. The few foreign students attending US universities were nearly all middle-eastern males.

My personal experience and the fact that CA CC’s are no longer funded well enough to guarantee a student the correct classes to transfer to a UC/CSU in 2 years (or even guarantee them admission into a UC/CSU at all) are the reasons why I pushed my kids directly into university (out of county) after HS. It was the right choice. In CA, it’s MUCH easier to get accepted as a freshman straight out of HS than it is as an incoming junior out of CC (ESP if your parent(s) elect to NOT file a FAFSA). My kid(s) are successful and my youngest is on their way to being successful in life.[/quote]

I’m not even going to bother to read most of what you said her because, let’s face it you’re a racist. If were were talking about an influx of germans or french or italian or canadian, you wouldn’t give a shit.

I find it ironic that someone who prides herself on who well she did on one ACT test yet never bothered to finish college would be talking smack about immigrants that have finished college and frankly have done better to further themselves.

Excuse after excuse. I’ve heard that before. I’ve cold hve done better, I’ve could have done this.

Well, the point is, you didn’t. End of discussion.

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Convenient how no Canadian will ever get stopped crossing a state border in the u.s., even if they happened to enter illegally.

Well, at least not the light skinned colored ones.

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After reading this thread again, I am convinced once people get above a certain age like 50ish+, some people exhibit having a few screws loose and could arguably be qualified as certified nuts.

Old age probably brings out the wacko conservatism in people. Not all conservatism is bad. But some of this stuff is just way out in bumpkinville, along the lines of lizards and too many walls. Just saying.

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[quote=bearishgurl][quote=Dukehorn]When bearishgurl speaks, I think of this:

As a lifelong citizen of the US I am beyond embarrassed by the protesters out in force against our good governor, George Wallace. In my travels across the country, people have always said that the good people of Alabama are very genteel and kind, and what has happened these past few weeks makes our state look so chaotic and ill-served especially trying to negotiate pass those Negros out on the streets disturbing the peace with their anti-segregation talk. WTF? Why a black woman going to white school. What is the world coming to?

This whole sordid mess plays into what Wallace was saying “In the name of the greatest people that have ever trod this earth, I draw the line in the dust and toss the gauntlet before the feet of tyranny, and I say segregation now, segregation tomorrow, segregation forever.”!! That’s the truth!!

Black, Muslims and Hispanics need to understand the message and accept it peacefully. Good lord, disturbing the peace and forcing our policemen to actually use their dogs. Poor things… It’s all so disgusting.

And “good riddance” to those other folks who think otherwise I hope they die in an earthquake or during the end of times.. Bunch of crazy hippies and liberals. Now we have to spend tax dollars to control these heathens and minorities. It is utterly ridiculous.” Stupid healthcare. Utterly ridiculous. Food stamps. Utterly ridiculous. This country’s gone to @#$@, only white people who contribute should vote.[/quote]Ummm, Dukehorn, your “creative” rant here has absolutely nothing to do with what I said in my post. It is quite telling though about YOU and YOUR mindset … the way you slanted it.

Why don’t you consider getting out on the road this summer and “exploring this great country of ours?” You might learn a few things in the process.[/quote]

He could, but with Trump as president, chances are, they’ll ask to see his papers. Because he’s not white.

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[quote=The-Shoveler]Going to take beyond 2019 I think to get all those replaced. I think they will need an extension.
They should just offer owners a sweet deal for a trade in IMO.[/quote]

BMW is

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Speaking of getting rid of fat. Besides liposuction, there’s something else called coolsculpting.

Basically, they freeze a portion of where your fat is. The freeze kills the fat cells and supposedly leaves your skin and other tissue intact. When your fat cells die, your body flushes it out… Scientists discovered this from observing why kids cheeks get puckered after eating a really cold popsicle. Seriously.

From a science perspective, the concept is pretty interesting.

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Hey I just timed myself on the normal 5k route I run. Before my average mile was 8:06 each mile back at the end of last year.

I am currently at 7:35.

I would love to run a 7:05.

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Weight loss also has huge benefits to your joints and feet. I use to have really bad joint and feet pain. Now it’s gone. Not carrying around an extra 25 lbs helps a lot.

Start small and aim for small goals you know you can stick to. If you don’t have the discipline to do it yourself, find someone that will hold you accountable to it, just like any other project.

You’ll be happy you did. I am so cheap I had to drill new holes in my old belts that I refuse to give up.

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Since last August (when I switched my employer), I’ve focusing more time to taking care of my health, and initially it was not easy to motivate after being more or less idle for the prior 12-14 years. Today, I run about 3 miles each day, and do about 1/2 hours weights every other day at home. I’v never exercised as much as I do today, even when as far back as high school.

It hasn’t been easy to get into this routine, particularly in the first 2-3 months. Part of what helped was peer pressure at work, being surrounded by many late 20ies to early 30ies that are extremely fit and active. I won’t give you advice on what you should do, but I’ll tell you what I did. I threw money at the problem for the first 2-3 months and got myself a personal trainer 2-3 times a week for the first two months, so that she would kick the crap out of me and make me stick to a routine, no matter how busy I said I was. Also,, spending good money on it, I took it more serious. After about 2 months, I got into my routine, and I haven’ looked back.

My goal was not weight loss, but to build up my cardio, to be able to run a reasonable distance, and to get toned up. Weight loss was a side benefit. I’m about 25 lbs less than I was in August of last year, and most of my pants are way too big now, and I had to change some of my belts because they were too big. I’m wearig pants back when I had them since my college freshman year.

I found out that once I started to get into this routine, surprisingly I felt less hungry, and don’t eat as much. Diet is a very important thing. I wouldn’t do a crash diet since those don’t work. But you should consider eating healthier, and eatting less for dinner (for example).

No soda, no beer, no cakes, no sugar, no high carb foods.

I haven’t had any problems maintaining my weight. My biggest problem is i trying to undo years of neglect around my abdomen.

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[quote=bearishgurl][quote=FlyerInHi]Flu, I think you’re saying that “no cost” loans are better because they allow you to refinance again and again, guilt free (loss avoidance. You’re not “throwing away” out of pocket fees. That’s the marketing angle.

But past is past. Make decisions based on what you know today.[/quote]

In response to the italicized portion, maybe so. But a person who is a “serial refinancer” is still starting over again at 30 years every single time they refinance … that is, unless they choose a 15-year loan (with much higher payments). However, the vast majority of refinancers do so for the express purpose of lowering their monthly payments (thereby increasing monthly cash flow).[/quote]

God, I am not saying no cost loans are always better. I am saying it depends on your situation which depends heavily on whether you want/can pay more up front or want to pay over the long term, and use more of your upfront cash for something else.

Sheesh.

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[quote=FlyerInHi]flu, maybe you’re making things too complicated.

The decision to refinance is separate from the loan product your want to select. Decide if refinancing makes sense, then select from alternative products.

All the talk of “no cost” is just salesmanship and confuse things.

Rates kept on moving down. The right decision from the beginning was to go adjustable.[/quote]

No briansd, you are making this thread more complicated by interjecting into this thread without following the entire thread. But that ok, I don’t mind.

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