There is no clever wording going on there. It's an index developed by some of brightest non biased minds in the country (i.e. Harvard). There's no deception. Everyone has access to higher education. But everyone may not be capable or willing to do the work required. The US does have some of the world's best institutions of higher learning. It is rated as the sixth most socially advanced nation in the world. Those are just hardcore facts.That is technically correct about the index. The index gave US "first place" in “Opportunity by having the top Access to Higher Education" and I observed that many in US are too poor to take practical advantage of this "Access to Higher Education,” but the index does not consider that.
In US, if you can pay, you have access at least to the lower quality colleges. And this does contrast with many countries which proved free education, including England, which have national qualifying exams to see if you will or will not have access to universities. If you fail, you can still go to trade school, but not college, even if you have lots of money – So unlike the US, many have no access to higher eduction.
By constructing their index on whether or not all (in principle) had access,* they guaranteed the US its one First Place. As I noted, rich dummies in US can get accepted in at least half of US colleges as their entrance standards have fallen and grade inflation makes it possible for all but the dumbest to graduate.
* As is often the case, clever wording of the questions can greatly bias the results.
No you didn't. You didn't lose anything. You might not like Bill Clinton, but has been explained to you numerous times, Hillary Clinton isn't Bill Clinton. They are not one and the same. They are different. Hillary Clinton has her own mind. She can make her own decisions and form her own opinions. Women do that you know, ask any married man or formerly married man.Nonsense.
We outright lost, overall, and we lost some stuff that counts for a lot. We lost welfare, crime, health care insurance reform, and trade policy protections for not only working conditions (including wages) but environmental concerns as well. We lost on gerrymandering and campaign finance reform. We lost - bigtime - on Wall Street regulation and banking reform. We lost on Social Security and Medicare, setting the stage for the rollback we face now under Clinton. We lost on middle eastern foreign policy, especially including the Palestinian issue and Iran.
What, exactly, did we "get", that we didn't have to fight against - not with - Bill Clinton for? Is the prospect of Hillary being weak enough for us to beat her and "get" a couple more things on the margin a good bet, really?
We lost big. I'm the first one in line to blame Reagan and Bush and W for the disaster that has been American governance these past decades, but Clinton's contribution was a matter of degree, not kind. And we can't afford too much more of that kind.
Which of the dozen or more items in my list do you feel were not losses?joe said:No you didn't. You didn't lose anything.
And her own track record, which is somewhat more conservative than Bill's, and includes what is in the running for the worst and most damaging political decision made by a major Democratic politician at least since the KKK faction decamped for Reaganville, and possibly since Reconstruction: the vote to give W&Co blank check authority to invade Iraq using the US military. If you are making comparisons.joe said:You might not like Bill Clinton, but has been explained to you numerous times, Hillary Clinton isn't Bill Clinton. They are not one and the same. They are different. Hillary Clinton has her own mind.
It's not "supplying" that has been my concern, but "paying for". And of course there are many completely non-magical systems available, tested and debugged and in operation for decades now, that are upwards of 50% more efficient at paying for medical care than the current US system. In fact, there isn't a single system on the planet that is not significantly more efficient in terms of dollar@benefit, than the US system. So I may not have a more efficient system, but hundreds of millions of Europeans do. So copy one of theirs.michael said:If you think you have some magical system of supplying limited medical goods and services more efficiently, then do it
In the first place, I wasn't arguing for "government run", I was arguing for "government paid". In the second place, that hasn't been the case at my local government run University. Or anybody else's, that I know of. They are much cheaper than the private schools, and much better quality than the private for-profit schools, across the board.michael said:Government run K-14 or K-16 will be as shit as K-12 where 1 in 5 graduates cannot competantly read and write. Where income University students (the cream of the crop) read at grade 7.
Oh, and it won't be 'free'. It will cost 10 times as much, and be half the quality
Which of the dozen or more items in my list do you feel were not losses?
And her own track record, which is somewhat more conservative than Bill's, and includes what is in the running for the worst and most damaging political decision made by a major Democratic politician at least since the KKK faction decamped for Reaganville, and possibly since Reconstruction: the vote to give W&Co blank check authority to invade Iraq using the US military. If you are making comparisons.
I wasn't arguing that Bill was Hillary. I was arguing that the severe penalty we paid for electing Bill, the seriousness of the losses we suffered and the damages we incurred, should make us very reluctant to strike any more such bargains with fate.
As long as there's somebody on our side to vote for, we should vote for them. Clinton is not on our side.
So it's easy to name a couple. Do that. Name some things I listed you do not think of as losses.joe said:LOL...as I said before, all of them.
Nonsense. The right extremists are not on the "fringe", but in control of the House and Senate - the Speaker of the House wants to abolish Social Security, Medicare, and the Income Tax, the two major R Presidential candidates wants to torture prisoners and wall off the entire southern border of the country (one), abolish the IRS and write the Ten Commandments into the Constitution (the other). Meanwhile there is no battle force of left "extremists", with any lines drawn. The closest thing to a lefty in the major political sphere is Elizabeth Warren - is that your idea of a "fringe" figure? Is Sanders, with his middle of the road First World standard Medicare expansion and his proposed restoration of the US banking regulations and oversight from 1965?joe said:A couple of things, I think your post is very demonstrative of the problem which currently plagues the nation. People on the extreme fringes of the left and the right have drawn battle lines.
The problem is the agenda, policies, and behaviors of the current US Republican Party. How do plan to "solve" it?joe said:There is something deeply wrong with that. You don't solve that problem by becoming the problem.
Agreed. Fortunately at least a few of those states are reconsidering.That's not quite what happens - certainly not in the States that have rejected the Medicaid option.
Definitely. All those things are considerations. There are no perfect choices; at some point you have to make decisions that limit your possible futures.That is in fact "that kind of money" in this world, whether the overworked and over-indebted and still uncertain future doctor agrees or not - and note that making 50k a year, almost twice the average job in the US, allowed her to pay the "minimum" - tide her over, until she could get in a position to begin to actually pay down that debt. Her options in life - even as a doctor - are constrained by this. There are jobs she can't afford to take, choices of life not realistically available - even some that would benefit society in general. Likewise, there are options closed off for us - a floor below which we cannot drive medical care costs in certain respects, for example, partly because we have to pay all doctors enough for some to take on such debt in the first place. And note that last factor - we are imposing not only the actual cost of the loan, but the uncertainty cost of incurring the debt (a very large factor in student loans generally), and paying all doctors enough to allay that uncertainty felt only by some.
Most students can't afford the payments on a mortgage right after they graduate. (I certainly couldn't.) So it makes sense that such a line wouldn't work.An interesting line for the average student to try on their mortgage lender, in their first years out of school and paying the minimum on their tens of thousands in student loans.
So it's easy to name a couple. Do that. Name some things I listed you do not think of as losses.
Nonsense. The right extremists are not on the "fringe", but in control of the House and Senate - the Speaker of the House wants to abolish Social Security, Medicare, and the Income Tax, the two major R Presidential candidates wants to torture prisoners and wall off the entire southern border of the country (one), abolish the IRS and write the Ten Commandments into the Constitution (the other). Meanwhile there is no battle force of left "extremists", with any lines drawn. The closest thing to a lefty in the major political sphere is Elizabeth Warren - is that your idea of a "fringe" figure? Is Sanders, with his middle of the road First World standard Medicare expansion and his proposed restoration of the US banking regulations and oversight from 1965?
What has happened is a resurgence of fascism in the US. The fascist political faction in the US has gained control of a major political Party, and is working at gaining control of the governance of the country. It's not right against left, but fascism against everything else.
The problem is the agenda, policies, and behaviors of the current US Republican Party. How do plan to "solve" it?
That is true of society as well. The US is limiting its possible futures: by saddling its most accomplished citizens with significant debt as the additional price - beyond the work and the opportunity cost - of that accomplishment; by allowing disease and accident (or even childbirth) to impose large financial as well as other costs; and by setting up very large uncertainty costs contingent on some major decisions of wide social effect.billvon said:There are no perfect choices; at some point you have to make decisions that limit your possible futures.
And in the case of student loan debt and median rent vs the median job, that puts buying a house out of reach long term. Also, marrying and having children.billvon said:Most students can't afford the payments on a mortgage right after they graduate. (I certainly couldn't.) So it makes sense that such a line wouldn't work.
Not for "years". That binge didn't last long (and it was illegal, btw).billvon said:It should be noted that for years that line DID work. Mortgage lenders were lending to anyone without regard for ability to pay.
I already listed several. You appear to be unwilling to discuss any of them - and I can understand why. It's because when you name them, as I did, they are quite obviously significant losses to anyone with liberal values.joe said:LOL...I have, repeatedly told you all of them. If you don't get that, it's on you. Now if you think you have lost something, then spell it out. What have you lost and how was it lost, and why was it lost?
Uh, hello?joe said:You, and those like you, are my "idea" of a left wing fringe figure. The Bernie you so love is a fringe figure, and yes Warren is a left wing fringer too. - - -
- - -
You both misuse words in order to inflame passions and suppress reason.
We have seen a rise in fascism in the US as obvious as it is dangerous. The only people who can't see it are those gullible enough to actually believe the current Republican Party actually stands for, or favors in any way, "small government".joe said:That's nonsense. While there has been a resurgence of nationalism around the world, including the US, that alone isn't fascism. We haven't seen a rise of fascism in the US. The Republicans you claim are fascists are small government people - remember? They argue for less government.
I already listed several. You appear to be unwilling to discuss any of them - and I can understand why. It's because when you name them, as I did, they are quite obviously significant losses to anyone with liberal values.
Uh, hello?
We have seen a rise in fascism in the US as obvious as it is dangerous. The only people who can't see it are those gullible enough to actually believe the current Republican Party actually stands for, or favors in any way, "small government".
And the worry is that there are enough of such gullible folks - the authoritarians in the Democratic Party, would be my guess - to create significant cooperation with the Koch brother's agenda as enforced by the Trump and Cruz supporters.
I named them already. I have no need of discussion - they were merely evidence, stuff known to any peruser of recent American political history, in support of my point at the time: the penalty for electing somebody like Clinton is not, historically, small. If history is any guide, this is going to hurt.joe said:As previously and repeatedly noted, if you want to discuss a few, name them and explain why you think you lost something
For some in some areas, yes. In areas with low costs of living, no.And in the case of student loan debt and median rent vs the median job, that puts buying a house out of reach long term.
Getting married and having children is quite cheap. It's raising them that is expensive.Also, marrying and having children.
2003-2006 was the height of the subprime mortgage bubble, during which the percentage of subprime mortgages went from 7% to 24% of the market. And while there were cases of fraud during that time, the vast majority were perfectly legal (although arguably foolish) transactions.Not for "years". That binge didn't last long (and it was illegal, btw).
And rapidly increasing their ability to pay a mortgage. An average engineering graduate starts at $64K a year. At that salary she may not be able to afford a mortgage. Ten years later she is making $95,000 a year - in other words, making almost $30,000 more than the time she was barely able to afford his apartment at $1000 a month. A mortgage is now within her grasp, if home ownership is her goal.The normal amount of student loan debt now carried is about equivalent to a down payment on a cheap house; so where in the old days the student would be saving for a down payment from year one, in the new world they are paying off their student loans - instead.
There are some areas with high pay and low cost of living, but not many. In all others, the problem remains.billvon said:For some in some areas, yes. In areas with low costs of living, no.
We are talking about people with enough foresight, etc, to aspire to and obtain a college education.billvon said:Getting married and having children is quite cheap. It's raising them that is expensive.
The example you presented, and any others relevant to this thread, was illegal, and was also a very small percentage of the subprime mortgages.billvon said:2003-2006 was the height of the subprime mortgage bubble, during which the percentage of subprime mortgages went from 7% to 24% of the market. And while there were cases of fraud during that time, the vast majority were perfectly legal (although arguably foolish) transactions.
And the average engineering graduate is relevant here how?billvon said:And rapidly increasing their ability to pay a mortgage. An average engineering graduate starts at
Agreed. It's not a panacea, just a solution.There are some areas with high pay and low cost of living, but not many. In all others, the problem remains.
Yes, we are. (Of course, those who do not have no loans to pay back. Is that a good decision on their part? Usually not.)We are talking about people with enough foresight, etc, to aspire to and obtain a college education.
LIVING is not reliably cheap. Some people get into traumatic accidents at age 20 that result in hospital stays that can cost hundreds of thousands of dollars. Most, of course, do not - just as most deliveries are pretty routine.And having them is not reliably cheap.
An example of someone who both has large school loans to pay off and whose income will rise with time (which is what we were talking about.)And the average engineering graduate is relevant here how?
Definitely true. You pay for education one way or another.There is no free lunch. Society will pay for this setup, one way or another.
It's not a solution. It doesn't solve the problem.billvon said:Agreed. It's not a panacea, just a solution.
So how will the sane plan - since the risk of living is unavoidable regardless, while the added risk of childbirth is not only avoidable but much larger and far more expensive to insure against?billvon said:LIVING is not reliably cheap. Some people get into traumatic accidents at age 20 that result in hospital stays that can cost hundreds of thousands of dollars. Most, of course, do not - just as most deliveries are pretty routine.
We were not talking about the existence of successful students who can pay off their student loans. Those were understood to exist.billvon said:An example of someone who both has large school loans to pay off and whose income will rise with time (which is what we were talking about.)
Some ways involve much higher uncertainty costs, financing costs, and drag on the economy, in return for significantly less benefit to the society paying. I illustrated with the machinist example, noting some of the consequences.billvon said:Definitely true. You pay for education one way or another.
It is A solution. It works. It's not for everyone. (Nor will there be any solution that solves the problem for everyone, everywhere.)It's not a solution. It doesn't solve the problem.
OK, so we have another solution that works. Great; we have a model as to how to proceed.We were not talking about the existence of successful students who can pay off their student loans. Those were understood to exist.
Yep. And some ways involve crippling taxes. Some ways put schools into bankruptcy. There are lots of ways to do it wrong.Some ways involve much higher uncertainty costs, financing costs, and drag on the economy, in return for significantly less benefit to the society paying.
It's not a solution to the problem we have. It's an illustration of the problem.billvon said:It is A solution. It works. It's not for everyone.
That's not a solution that works. That is a description of part of the problem.billvon said:OK, so we have another solution that works. Great; we have a model as to how to proceed.
We should be cautious, and maybe only try ways that have been proven to work well in places like the US. The GI Bill, for example, worked very well.billvon said:Yep. And some ways involve crippling taxes. Some ways put schools into bankruptcy. There are lots of ways to do it wrong.