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October 31, 2015 at 12:10 PM in reply to: Can refinancing to a lower rate increase the amount of interest you pay? #790876October 31, 2015 at 11:30 AM in reply to: Can refinancing to a lower rate increase the amount of interest you pay? #790874
scaredyclassic
Participantexcept the principal does go down. so you get that little bit extra edge.
October 31, 2015 at 10:44 AM in reply to: Can refinancing to a lower rate increase the amount of interest you pay? #790872Participanti think i get it. i refinanced and reset the period to another 30 years that wont be over till im about 80. my wife thought this was terrible, restarting the loan. i was unable to convince her it was the right thing to do, but i did it anyway. since I am resolved to not paying it off early, the best course of action is to restart and get the 1% lower rate, regardless of whther I might theoretically pay more interest over the next 30 years. I am expecting the mortgage payemnt to hopefully seem tiny in 10 years. already, when i look at estimated rent on our place from zillow, it is more than 50% higher than it was. i cannot visualize who would be paying such a high rent, but i guess someone must be. so that mortgage payment should be correspondingly itty bitty looking sometime soon. hell, I’d refinance again and restart the period forever. I dont care …i dont feel like having the house paid off would make me feel more safe. just having a small monthly nut is what makes me feel safer
Participantit was more theoretical, in response to the, well, what would you do, question.
clearly, the system could be way way better. it’s just not a priority.
if we dismantled the bureacracy, i suspect we could have all id proposed and way way more…
Participant1. Max class size of 7.
2. Track different careers from age 10 on
3. Physical activity 1/3 of the day.
4. 25 percent of day min. In social interactions.
5. Regular snacks.
6. Afternoon rest.
7. School starts at 930.
8. Individ. Reading tutors for all nonreaders.ParticipantOK, in the interests of full disclosure, my mother is a lifelong teacher who fully beleives in the educational system, and I have been taking a contrary view for over 30 years, much to her chagrin.
so i may have certain psychological issues here…
Participant[quote=Blogstar]What happened to the story about your son and how you and your wife saved him from the public school and some dreadful hateful teacher, a teacher who represent the norm for teachers?[/quote]
what really goes on in an elementary school all day/ really. first and foremost, order. minimal interaction. silence. filling in “workheets”, meaningless repetition of tasks that is extraordinarily challenging for some, extraordinarily meaningless for others. more silence. ltos of “dead time” waiting. a teacher speaks a little about an area she knowws little about. very very very little actual learning for many years. they send home lots of homework and send nasty notes when its not completed because no learning actually happened in school, so they need someone to blame.
school does teach you things, in the sense that participating in that structure prepares you for alife of being quiet, sitting an dnot moving, learning to be isolated, and to keep your mouth shut no matter how ridiculous the thing is thats going on in work. really, that prepared me ina very real sense for hte day to day routine of my life.
theres gotta be a better way.
if families could afford to, im confident many many more fo them would vote with their feet and homeschool.
Participant[quote=Blogstar]Public school is a gift , the teachers are a gift and a blessing. Yes there are imperfections in both , yes there is social stratification tendencies, but that’s the proper attitude about school.
Scaredy, I can’t imagine you raising your kids to have a bunch of excuses and behaviors that totally trash the gift and disrupt it for everyone else while making their own futures much poorer. Maybe you can’t relate , have you ever tried to survive an excessively hostile school room environment when the harsh came from the kids? Why make excuses for someone else’s kids? Because those excuses hurt everybody. What is it, low expectation for them? Hate?[/quote]
no. thats true
my sympathies are with the children. all of the chilren. not with the system, ot with the teachers, not with their requirements.
my sympathies are with the kids.
the teachers of course pay lipservice to this, about how they give it all “for the kids”, they only care about the kids
THEY ARE SO FULL OF SHIT i could scream. . the whole system is. the last thing in the universe they care about are actual children. they just want people to move quietly through their asinine system. it is not a gift. it is a torture chamber.
fuck the schools as currently constituted. we need a revolution in education.
Participant[quote=Blogstar]Public school is a gift , the teachers are a gift and a blessing. Yes there are imperfections in both , yes there is social stratification tendencies, but that’s the proper attitude about school.
Scaredy, I can’t imagine you raising your kids to have a bunch of excuses and behaviors that totally trash the gift and disrupt it for everyone else while making their own futures much poorer. Maybe you can’t relate , have you ever tried to survive an excessively hostile school room environment when the harsh came from the kids? Why make excuses for someone else’s kids? Because those excuses hurt everybody. What is it, low expectation for them? Hate?[/quote]
mandatory uniform schooling that doesn’t work cant be the right (well, the humane) social answer /// what if mandatory schooling was something you were bad at and you were forced to do it all day long, and you were humiliated at your failrue to be able to do it. wouldnt that seem bad. lets say society were set up around something that you simply couldnt do well. crocheting. i dont know. and you had to sit and do it for the full school day every day and shut up and be quiet. over and over.
cant we adapt to our humanity
but maybe the system is working as it is supposed to.
people ahve no value other than as cannon fodder, consumers/emplyees and prisoners or guards.
Participant[quote=AN][quote=scaredyclassic]clearly the current curriculum is not engaging many students. i wonder if we could imagine a school that engaged them? or is it just school to welfare or school to prison for all of them? is there no use for them in society?[/quote]
Only they can decide that. No one else.[/quote]is that really true? we alone determine our fates? say you go to law school, and only 20% of the class gets a job afterwards, but everyone went to law school because the student laons were accessible and they assumed theyd be the exception. was their fate in their hands alone? or was the system set up to ensure some got a job, some went to priosn, some killedself, etc…
Participantclearly the current curriculum is not engaging many students. i wonder if we could imagine a school that engaged them? or is it just school to welfare or school to prison for all of them? is there no use for them in society?
ParticipantChildhood is over. We no longer make allowances.
Participantall bureacracies rest on the threat of violence, says david graeber.
try driving down the street without license plates.
the irs.
high schools.
Participant[quote=AN][quote=Blogstar][quote=scaredyclassic][quote=AN]Why should there be a problem in the first place. Don’t like to learn? Just leave. Save everyone the hassle of dealing with your inconsiderate ass.[/quote]
school is not optional. it’s against the law not to go.[/quote]
And it’s against the law to tell someone to stay home or keep their kid home , out of school permanently too.[/quote]But it’s not against the law to be considerate and keep yourself at home if all you’ll do is disrupt the class and prevent others from learning.[/quote]
Yes that’s a crime. Truancy. U can go to jail.
Participant[quote=AN][quote=scaredyclassic][quote=AN]Why should there be a problem in the first place. Don’t like to learn? Just leave. Save everyone the hassle of dealing with your inconsiderate ass.[/quote]
school is not optional. it’s against the law not to go.[/quote]
It’s also against the law to punch a cop.[/quote]But not if you’re using reasonable force to resist an illegal arrest.
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