[scaredyclassic]

what if we just took prior students debt and added it to new students debt; we could just double the price of school currently. that would make sense in terms of encouraging consumption, since the newer students are still in school and not consuming yet. we can deal with the problem of their double debt later.

[scaredyclassic]

but if there’s an actual chance of it happening, I need to have my kids get some debt. what are the Vegas odds on this happening? I wonder if you can “pre-borrow” some money and get it forgiven?

[scaredyclassic]

I suppose it’s ok to just say whatever you need to to get elected.

[scaredyclassic]

on the other hand, I can see the argument that banks got bailed out for making hugely bad decisions at taxpayer expense, and individual people benefitted greatly. It was done to “prop up” the system, as if the system is so weak that if it tries to correct itself, as capitalism is supposed to do, it would break?

I guess you could make the same argument on a micro scale, for individual dumb students, that was made on a macro scale for the nation, for the really dumb (or maybe smart, but at least non risk averse, banks) our system of infinite growth is in peril and we need a “reset”.

maybe it’s no different, at bottom. throwing money at a systemic problem to benefit a few at everyone’s expense to prop up a corrupt and idiotic system.

I had expected to buy my house cheaper, and I’m certain I would have, had the gov not interfered with harp or harp or whatever it was

I mean, I was pretty angry at the time at the I think 7k incentive flat tax credit given to people to buy a house by the fed gov. right after id bought a house and was ineligible for it. it’s just the difference with the student loan thing is that the problem is directly ongoing, like even the day after you cut the check, because people are still borrowing like crazy, with the expectation they’ll get a reset.

at least with Wall Street they took all the money and shut up for a while, at least till the next “emergency”.

[scaredyclassic]

sometimes I think it really doesn’t matter what the rules are, as long as they’re stable, everything adjusts. it’s sudden changes that seem ridiculous, like forgiving everyone’s debt. windfalls are bad

[scaredyclassic]

it’s difficult for me to wrap my head around how this would actually work. so like everyone graduating next year and every graduate before gets everything forgiven, but everyone taking out current loans gets nothing forgiven? that seems insane.

but it would be even more insane to forgive the loans prospectively too.

you just don’t “forgive” huge loans without a compelling reason. seems much more reasonable to simply reinstate bankruptcy for student loans. then lenders will think twice. it’s all income based repayment anyway. no ones starving. it’s just inhibiting growth.

I would assume such a thing wouldn’t happen, but compared to trump being elected, it seems, well, highly plausible. I mean, a lot of people have a lot of debt. id vote for it if I had debt.

but why in the fuck did I pay cash for my kids schooling? now I still have one more year left on the middle one and 4 on the young un. should they be loading up on at least 50k in debt? if the interest is accruing in school, you’d want to have the Total balance be under 50k.

seems like a not unreasonable hedge to have some debt.

my student loan balance is 500.00. we paid off my wife’s in cash. STUPID.

why didn’t we just forgive everyone’s mortgage debt in 2008? that seems equally plausible. although a home has some value, while a college education generally, lets face it, is useless for many

[scaredyclassic]

its a spiritual journey, not one of numbers and percentages and scores.

[scaredyclassic]

THREE IDENTICAL STRANGERS … is the awesome movie about those triplets.

but i think only 2 ended up at same college.

i loved that movie. saw it at angelika film center. nice joint.

[scaredyclassic]

outrage is a drug.

shopping is a drug.

america lost the war on drugs

[scaredyclassic]

duplicate

[scaredyclassic]

i would really like to have 11 grandchildren. thatd be 3.7 per kid. tough goal to meet. ill take whatever i get.

a high yield seems to increase the odds one would really like me. of course with big numbers, one will have real problems too.

my mom has 5, but only my little one age 16 not so little calls her regularly and talks to her, like an hour a week. not sure why they connect, but…hes a sweetie

my wifes folks have 12!

2 of them go to church with them every sun, and they are all old…

like ltc, its all risky.

dementia, seems like a nobrainer to killself, but hard to find my gun

weak body, hard to get the nerve up to killself, also hard to go get my gun.

theres a lot to be said for going out like my dad. was playing paddleball all morning, felt great, lay down to read a bridge magazine, died of a massive heart attack. go out on top .

right now i honestly feel better than i ever have in my life. no meds. sleep great. not even that stressed out, by scaredy standards. for normal people, youd probably be running out the door 4 emergency xanax rx.

but this goodness cant last

my mom gave me the ancient chess set my grampa played with me every single time i went to his place. so old. theres a spool for a lost rook, i recall handling that, 50 years ago. i remember the box

did he paint the spool black or my gramma. whered he lose the rook, their apt was so empty and spare, minimalist before minimslist was cool…poor, i guess? couldnt have lost it there. there was barely anything there.

i wonder if he got really upset over the lost rook, like i wouldve.
honestly i doubt it. he was a super chill bro, tall, very sharp dresser, always cool and funny.

but maybe he lost the rook in younger days when every piece mattered? or he had more crap. he had a thriving business, lost in the depression, played it safe and minimal after that

i dont know… grampa really liked me.

we flew kites a lot and fed pigeons. he had rooftop pigeons when he was younger and knew how to handle even wild pigeons. was graceful

we slept over a lot but i cannot recall at all where? the floor? no idea. but i remember the chess set and the spool like it was yesterday

he only had 2 grandkids, but me and my brother were extremely high quality… at least thats how he made me feel ..plus we only lived 3 blocks away, visited a lot.

i recall feeling he was always slightly amazed and perplexed by us, always impressed by our being, a constant surprise and delight. im not exaggerating. he was never for a minute irritated or bored by us

when i was in my 20s i remember really wanting a son. i would imagine him sitting on the couch with me. i was single. no girlfriend. kind of undateable…just a few years later, it felt like id almost willed the boys i raised into existence by dreaming about him. silly. but it does have a magical feel about it, that you think of a child and he appears. where theres a will, there’s a way…

i can kind of see unborn grandchildren out there, countless potential humans waiting in a dark space, each intrigued by the possibility of their existence, but also happpy to be pure potential, waiting for the chance to be born, to win the lottery and play chess with me. sad in a way that thats 1st prize, but, theres free room and board too.

im pretty sure they will like me

my poor grampa had a rough decline. tough to ponder. i was a disengaged teen. my mom was so helpful

now i miss my grampa and im crying and i need to go to work

[scaredyclassic]

no idea if this info is correct but it makes sense…

https://www.elderlawanswers.com/medicaids-asset-transfer-rules-12015

you cant just give away your $ and get state paid care

[scaredyclassic]

dammit. ltc insurance.

my mom has it.

im alreafy so insred

life. 2,000
cars. 6,000
earthquake 1,800

forgot ltc. thatll kill the whole fragile set up.

i suppose the passing fantasy is i kill myself when shit is bad. but hard to do.

its kind of risky to have some but not a ton of money when old..

maybe its time to give it away a bit at a time.

shoot.
i think just giving it away too late can result in medicare clawback? not sure

[scaredyclassic]

https://www.vox.com/2016/6/10/11905390/light-pollution-night-sky

im not sure what percentage of the actual earth is covered by buildings, but I think we are pretty much covering the entire nation is asphalt and light.

The night sky is disappearing; basically we are living in a haze of light and noise.

Maybe I’ll just move to joshua tree, live in a cabin. The night sky is apparently still maybe visible there, in the park.

Very difficult to foresee how one will feel at 65, 75, 85.

Loneliness and isolation probably aren’t good for you, but all these damn people arent so great either.

Yeah, joshua tree. 2 hours of yoga, 2 hours reading, maybe a part time job.

Nothing is really that great when you’re decrepit is the problem.

[scaredyclassic]

it seemed terrible to me, ecologically, economically to be an old guy knocking around in a way too big house in the boonies. but fuck it, it has a decaying awful beauty to it.sure its inefficient. sure it would make more sense for a growing family. but the hell with that. here, i take my stand, is what i thought, riding my ebike to work. I AM GOING TO MAKE MY STAND HERE, i thought forcefully, then later thought i wasnt quite sure what i meant to say by “my stand”, but if you were there, that is, in my head, i think youd have gotten the sense of it. i am going to die here, hopefully doing heavy yard work at 92.

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