Working Until You Die | Page 2 | INFJ Forum

Working Until You Die

BXM said:
It’s either I do something that I really love or take over the world - still figuring it out. (;

I’m gonna have loans to pay after school so that’s another stress (any tips would be nice, so I can get out of the work till u die cycle sooner than later).
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Pay as much of your principal amount as possible first, then the interest. You can negotiate this with them sometimes.
Also try to apply for a grant that will help pay it off for you.
 
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Wyote said:
Pay as much of your principal amount as possible first, then the interest. You can negotiate this with them sometimes.
Also try to apply for a grant that will help pay it off for you.
Click to expand...

Is there grants you can apply to after school? Or do you mean currently?

I’m trying to pay it off in five years or less- I have about 42,000 I owe so hopefully it’s possible.

Maybe I’ll start gambling…
 
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BXM said:
Is there grants you can apply to after school? Or do you mean currently?
Click to expand...

Both, there are many you can apply for after graduation.
There are various organizations out there willing to help pay it back.
Sometimes an employer will help as well but that'll depend on what you're up to.

40-50k is for sure possible but may take a bit depending.
Always pay more than the minimum as well.
Ask for raises frequently, with the argument of needing to pay it off.
Try to negotiate on a lower interest rate on the loan.
 
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Wyote said:
Both, there are many you can apply for after graduation.
There are various organizations out there willing to help pay it back.
Sometimes an employer will help as well but that'll depend on what you're up to.

40-50k is for sure possible but may take a bit depending.
Always pay more than the minimum as well.
Ask for raises frequently, with the argument of needing to pay it off.
Try to negotiate on a lower interest rate on the loan.
Click to expand...

I will, thank you for the help.
 
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BXM said:
It’s either I do something that I really love or take over the world - still figuring it out. (;

I’m gonna have loans to pay after school so that’s another stress (any tips would be nice, so I can get out of the work till u die cycle sooner than later).
Click to expand...
Taking over something to implement positive change, no matter the situation, should be done by someone with a life experience of the subject and an understanding of why things are as they are. It's a great way to garner their attention. Taking control must be understood by those involved, who must have patience and wait without selfish thoughts. Sometimes we have had control all along, just allowing people to show their true selves.

Taking a worldwide problem and finding a better way for it to be dealt with usually happens when the men at the helm steer toward themselves rather than what was intended from the beginning. People have mere human frailties, and we must understand this. Others create the need for getting things back on track, not ourselves. They must realize they brought this on their own selves. We are called to step in. It is not really our own decision.
Maybe red lines were crossed: maybe not. All we must do is what we are lead to do, and wait on the timing to present itself. Others do not wish to wait, so they must learn to wait.

We can be expected to do as they wish, but it is no longer their call. They had their turn. A giver is much different than a taker. Many people and organizations implement change in a positive format. We must not bring a remembrance of old things, but focus on the new. We must not bring guilt, but focus on our deeds, as we must not leave bitterness behind on the trail. When they understand better, they may even offer to help. There are those who might can never help. We are here to make things better for everyone.

As per loans, can they be changed from their source? Can better interest rates be sought? Maybe a lower interest rate would help people with school loans. If we cannot forgive, we should be able to at least be helped to make things easier. Insurance on the school loans interests me. Why? Insurance has a maximum out-of-pocket. Maybe there should be a maximum amount of interest students can be charged for school loans? When it is met, payments must be made monthly on the principle or the interest starts accruing all over again? These are not loans for houses, vehicles, boats: pleasure. These are loans for knowledge, and we send them out into the world with few jobs to be had. This may include the banks as our friends trying to help us find work. So many different thoughts could be on the table, especially thoughts that would eschew goodness.

These are not business loans These are people trying to survive to help make the world a better place. Children must be educated. Young adults must continue to learn. Programs to foment laziness we do not need. We must somehow garnish new helpers to help student loan recovery, not cause them stress and worry. Why should we only want government help? We can do this without them.
 
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BXM said:
Is there grants you can apply to after school? Or do you mean currently?

I’m trying to pay it off in five years or less- I have about 42,000 I owe so hopefully it’s possible.

Maybe I’ll start gambling…
Click to expand...
Do you and have you been paying a fixed interest rate? What kind of interest are you being charged?
 
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mintoots said:
This video reminded of the discussion here. And this was ten yrs ago!

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Great video.

The only thing I would add to this topic, to enrichen the discussion on such an important issue, is more emphasis on the specific defining factors of wealth stats. Although "wealth" is broadly defined as taking all the tangible and intangible assets of an individual and subtracting the debts and liabilities. It's really not that simple of a comparison when the official stats alone factor net worth based on "household" ownership, values based on capital acquisition, bank account records, taxable income, etc. If a household, or small population of households, own a majority share of assets for the largest and most powerful corporations in the world, well then of course there is going to be a massive wealth gap. It's a socio-economic system that treats corporations "as people", takes advantage of tax breaks and mass right offs, leaves plenty of room to manipulate currency values, enforce arbitrary and even cruel regulations and policies for inflating property values, using capital as a not only a means for fulfilling wasteful lusts and greeds but as a weapon for covert socio-economic oppression and control. It's "wonderful! *Bigly!* People can believe what they want and do whatever they want as long as they can keep moving the capital...but I digress...I just wanted to share this because I thought it could be relevant and maybe of interest to someone?
It's a summary of main features and definitions of household concepts officially used by the The Organisation for Economic Co-operation and Development(OECD). I also attached the full document.
img_2023_08_31_01_06_34.jpg
 

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Jexocuha said:
Great video.

The only thing I would add to this topic, to enrichen the discussion on such an important issue, is more emphasis on the specific defining factors of wealth stats. Although "wealth" is broadly defined as taking all the tangible and intangible assets of an individual and subtracting the debts and liabilities. It's really not that simple of a comparison when the official stats alone factor net worth based on "household" ownership, values based on capital acquisition, bank account records, taxable income, etc. If a household, or small population of households, own a majority share of assets for the largest and most powerful corporations in the world, well then of course there is going to be a massive wealth gap. It's a socio-economic system that treats corporations "as people", takes advantage of tax breaks and mass right offs, leaves plenty of room to manipulate currency values, enforce arbitrary and even cruel regulations and policies for inflating property values, using capital as a not only a means for fulfilling wasteful lusts and greeds but as a weapon for covert socio-economic oppression and control. It's "wonderful! *Bigly!* People can believe what they want and do whatever they want as long as they can keep moving the capital...but I digress...I just wanted to share this because I thought it could be relevant and maybe of interest to someone?
It's a summary of main features and definitions of household concepts officially used by the The Organisation for Economic Co-operation and Development(OECD). I also attached the full document.
View attachment 92483
Click to expand...
Great resource! Thank you for this.
 
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As a corporate owner twice, they are also treated as businesses; not as people. Gas and truck usage is deductible, but far more is used to run the corporation than a household. On our buildings, we are allowed to depreciate them down to nothing. I wouldn't want that done to my house. I love it, as rebuilding spends money in the public domain often, helping small businesses to have insurance and spreading some of the money. Thus, the corporation can start depreciating again. Same with equipment like forklifts. When they lose those nice tax deductions, they rebuild. This helps everyone. Buy more delivery trucks. Helps our economy. We have some contracts where we must use minority contracts. Did a job for a Native American once. Another bidder told him he would beat the lowest bid after bidding. We had the best bids on two bids, and he gave the work to us. He told us about the other bidder, but said we won fair and square and he liked our business ethics better.

There are always dishonest people. It is our job to locate them and leave them out. It can be done. Had a customer tell us once, our competition always bought him personally a bottle of his favorite scotch when he gave the work to them. He would have been fired had the entity known about that. Instead, I told him to enjoy his bribe and just walked away with my bid. Now, when a large government entity always gives the work to the same people.
Sometimes those businesses are better than anyone else with service, supply, quality control, and paperwork. Our gov may end up paying out more, but let's just use an anomaly: Less planes fall out of the sky. Tales of what we are doing do not surface in the media or show up in other governments' hands.

A corporation doing business with gov has to, on many occasions, produce certified payrolls, certified proofs of insurances, and insure their workers are safe and sober. This helps everyone, as nobody will be paid cash or not have workers' compensation. Yes, sometimes a contractor we use as a subcontractor did not know how to do payroll, did not understand the proper insurances they needed; we helped them to get the proper insurance and sometimes had to do their payroll. It costs more to do things the proper way. They never had a payroll. Never had insurance. We would help them to be someone with all the proper credentials. All corporations are not bad guys with all the luck. The write-offs have positive aspects down the road.

I'd rather not discuss those abusing the system. In my own personal experiences, it was the minority contractors that stretched limits, submitted for payment work they had not done yet, and proved it. However, entities would
not force the issues. Many went unchecked because nobody would keep them honest. I did, but to no avail. I had one entity procure funds over budget to pay me, because the minority had already applied and spent the money.
I would have kicked them off the job and went to court with them. Wonder if the courts would have just looked the other way. There's a big difference in giving a minority chances, and in what all they do to abuse it.
 
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