235 karma · joined December 10, 2011
Quoth the wiki: "Approximately 43 million have student loans, with an average balance of $30,000. In 2017, average student loan debt reached $39, 400, an increase of 6% compared to 2016. Americans owe more than $1.48 trillion (44 million borrowers) which is roughly $620 billion more than the overall credit card debt in the country."
Just to compare to a communist I mean socialist country (Finland in this example), where we had an article about the massive increase in student loans (doubled in the last 10 years).
400 000 people with loans totalling 3 billion (about 7600eur per person). To scale that with the population of the US so about 60x we get the number 180 billion vs. 1480 billion.
Man you have it tough there :) Good thing that you all will be multi billionaires (or so everyone apparently thinks when voting) so no need for tax reform or any other kind of communist/socialist crap :)
Ie. if the price is 150.95 I store 15095 in the db and do the calculations with cents, and then divide by 100 when presenting the values.
I have never come across fractional cents, maybe that is an issue in some scenarios (would be interested to know what those are... Even tax percentage calculations are rounded to the cent)
The comments when all comments seem to be concentrated in a couple of threads rehashing the same issues.
All stories concerning the housing problem in SF. Nobody cares, move on, it's just a city. Yes I know there must be a disproportional amount of SF residents in this forum, but nobody still cares about your housing problems :)
1) Using nuclear power (on a massive scale preferrably) 2) Stopping globalisation (because transport is such a large contributor to CO2 emissions.). Local manufacturing would be much better for the environment (reduced transportation needs and also the western countries factories are much more sustainable than in third world countries and china)
Also reducing immigration helps, people in Africa use much less resources than the same people eg. transported to the cold north.
Educate yourself http://www.phyast.pitt.edu/~blc/book/
"For nuclear waste, a simple, quick, and easy disposal method would be to convert the waste into a glass — a technology that is well in hand — and simply drop it into the ocean at random locations.5 No one can claim that we don't know how to do that! With this disposal, the waste produced by one power plant in one year would eventually cause an average total of 0.6 fatalities, spread out over many millions of years, by contaminating seafood. Incidentally, this disposal technique would do no harm to ocean ecology. In fact, if all the world's electricity were produced by nuclear power and all the waste generated for the next hundred years were dumped in the ocean, the radiation dose to sea animals would never be increased by as much as 1% above its present level from natural radioactivity."
"One Bushman, when asked why he hadn't emulated neighboring tribes by adopting agriculture, replied, Why should we, when there are so many mongongo nuts in the world?"
Places where there is easy access to food have never evolved any technological progress and the societies are still messed up, because they never had to understand co-operation and just have tribalism of some sort. Just compare africa (probably the richest country in resources) with eg. europe.
What a stupid article.
Contrast to eg. Denmark where immigrants can enter the country and do absolutely nothing, and get a full upkeep with free housing, schools and health care.
And here the problem is that some of these people like it that way and don't even try to get a work and teach their children how to get work (eg. by learning the local language and other social norms, like that women are considered equal).
Do not track/store anything by default. And your site works perfectly and without questions.
If you then have a legitimate need for some data, without which your site doesnät work (eg. gps location data for a map), then you ask for it.
And if you need to use ads, then have some opt in button somewhere deep in the settings where the user can go and click "please track me aggressively" if he so chooses.
Gotta love the GDPR, a nice way to get rid of all the "social media" crap and hundreds of ad trackers that has infested every corner of the internet.
It should be simple. A new banner that asks "allow tracking", yes, no. Either option allows you to use the site freely.
Yeah, no. I know that many people may have loans of this size and I never understood it. And it is of course a reason for high prices.
When my parent's bought a house a typical mortgage was paid off in maybe 10 years. I myself took a loan of 12 years. And not at 5% percent! The real rate is about 0.2% at the moment (and has been 1-2% during the ten years I've been paying). After paying this reasonably sized loan I can buy another house with a similar loan.
I have also heard of 60 year loans! (eg. sweden). Now that is indeed stupid and throwing money away.