The Lesser Pain of Student Loan Debt?

 Lets say that you finished college in 2018....with $65,000 in debt.  I looked up the monthly payment plan of an average guy (not an engineer or rocket scientist)....which the ball-park figure is $220 a month on this loan. So yearly, you might be paying back $2,640.  

Even if 'Uncle' President Biden gave you $10,000 to cover the $55k remaining on your debt....you still owe $45k, and can figure eighteen more years of a monthly payment (unless Aunt Cassie or Dad bailed out some of this).

So this is what is bothering me.  Once you admit that President Biden has this 'power' of just wavering off $10,000.....why couldn't the next idiot in 2026 stand up and state his/her power to waiver the remaining money (1-trillion dollars)?  

It's a scary thing to think about.  It's not so much what Biden might do to wreck the economy, but the next step in this overall gimmick.  

For you folks who got some portion of your $100,000 trimmed off?  My advice....have a bottle of booze and celebrate....knowing that he cut four years of your twenty years of pain.  Then go back to work tomorrow....hoping for another miracle to occur.

Semi-Whatever

 This week....President Biden made several interesting quotes:

“The MAGA Republicans don’t just threaten our personal rights and economic security,”

“MAGA Republicans are a threat to our very democracy. They refuse to accept the will of the people. They embrace....(repeating the phrase)....embrace....political violence. They don’t believe in democracy.”

“America is at a genuine inflection point.”

“It occurs every six or seven generations in world history.”

“What we’re seeing now is either the beginning or the death knell of an extreme MAGA philosophy.   It’s not just Trump, it’s the entire philosophy that underpins the....(rambling) I’m going to say something (more rambling).....it’s like semi-fascism.”

What is semi-fascism?  Well.....it's semi-Nazism, semi-dictatorship, semi-right-wing dictatorship, semi-totalitarianism, semi-absolutism, semi-authoritarianism, semi-autocracy, semi-despotism, semi-jingoism, semi-one-party system, and semi-xenophobia.

If that doesn't make sense?  Yeah....that's much what I said upon examination.

If you asked President Biden to go into detail, and explain to a 8th-grade kid?  I don't think he could do it.

I'm not saying he's pumping out BS, but it's clear....he's getting a script from some White House team who aren't really into the landscape, and prone to make up BS.

So on the morning of the 9th of November....when the mid-term results start to show...what's his comment with the House shifting over to the Republicans?  The fascists are winning?  

In the past hundred years.....this is probably....at present....the weirdest time to be alive and witnessing event. 

Civil 'Fracas' Version 2.0

 If you notice, I don't use 'Civil War'....believing that fracas is probably a more appropriate word.  So this is my scenario of where we go in 2022, 2023, 2024, and 2025.

The mid-terms will bring the Republicans into the House (majority of 10).  As January of 2023 arrives....a minimum of three different hearings will take place and center around President Biden, Hunter Biden, the misuse of the FBI, the $10,000 'gift' to college loan people, etc.  

By mid-2023, we will reach a point where three-quarters of the public believes there's something 'wrong' with President Biden.  Maybe two or three attempts will be made to edge him out, but I think through 2023 and 2024, he'll likely remain (just being seen less and less as time goes by).

Several staged (fake) protests will occur by early 2024, with Antifa/BLM at the front of the 'events'.

The election run-up in 2024 will be DeSantis or Trump versus Newsom.  Most everyone will regard Twitter as dysfunctional by November 2024.  

Election chaos will reign as various states can't complete their count, and disruptions occur on a massive scale.  In at least a dozen states....guns are pulled out upon law enforcement, and shootings (into the hundreds wounded/dead) will be reported by the news establishment.

President Biden, in this period from the election to Inauguration Day....orders a mass collection of weapons and activates all of the National Guard throughout the US.  His decisions create even more turmoil, and general refusal to cooperate.  In several states, the National Guard personnel refuse orders to confiscate weapons or to detain people.  

At least eight states are in open rebellion by the Inauguration.....suggesting they will go their own way or refuse 'orders' given by the federal government.  At least ten US Senators have hidden themselves and refuse to participate in Senate affairs.  The Supreme Court has vacated DC, and is in session at a US military facility in the midwest.

At least 500 National Guardsmen have been detained by the federal officials, because of their refusal to obey orders.  In one case....a thousand Guardsmen show up at the federal facility to release their members.

By mid-summer of 2025, the dead-count at this point is nearing 20,000 and the US economy is shutting down.  Half of the subway systems in NY City have been shutdown, with almost one-million residents having packed up and left because of safety issues in the city.  At least ten people per day are killed on NY City streets.

Food riots are now common by late summer 2025, with shortages noted in most states.  The airline industry has mostly shutdown, with fewer than thirty international flights a day arriving.  Stocks have lost 50-percent of their value at this point.  There is massive worry in DC that the Social Security fund will reach failure by the end of 2026, unless measures are immediately corrected. 

Toward November of 2025, it will be public knowledge that President Biden was suffering from various problems throughout the four years, and his wife (with help) hid the issues from the public.  The Senate promises to create new laws to prevent this sort of stuff from ever happening again.

By December of 2025, the FBI is officially dissolved into four sub-units.  None of the remaining units will be allowed to exist in DC.  More than 100 agents are under investigation.

2025 will conclude with more than 200,000 dead.  Most will be victims of random street shootings.  More than 4-million Californians will have left the state since January.  The cities of LA and SF will be unable to handle payroll for the police and fire protection....with massive lay-offs projected.

A legislative piece will be passed by the end of 2025 to have Facebook and Twitter turned off for a period of six months.  It'll be challenged to the Supreme Court, but they will readily agree it's legal.

2026 will be more of the same....with the federal government rationing food, and importing a massive amount in from Mexico.  

By mid-summer 2026, California, Oregon and Washington will be playing with legislation to exit the union. To the shock and surprise of locals.....at least one-third of California, with eastern Washington/Oregon suggesting they will exit their states, and remain part of the Union.  Federal forces arrive at some point to present a situation that you can't exit the Union.

My Review of 'Raised By Wolves'

 I sat and started watching a science fiction series this week called 'Raised By Wolves'.   So I would describe it this way:

1.  Mad scientist decides Earth has reached a level of destruction, and has launched a craft with two androids (programmed by him) and carry human 'eggs' to reproduce on 'Kepler-22b' (don't ask me where it is).  

2.  My description of Kepler-22b?  It's a crap-hole that resembles Gila Bend, Arizona.

3.  The two androids ('Mother' and 'Father') probably aren't programmed that well for this type of upbringing of kids.

4.  As Earth is being destroyed, a cult-group has also launched off and landed on on Kepler-22b.  On my cult-meter....1-to-10, I'd put these dimwits at a '8'.  

5.  Somehow, with limited text and story implications....they managed to make 18 of the episodes before ending production.  On content and potential (1-to-10)....I'd give it a '3'.  I admit, I've only gotten to episode 10 at this point, but it's fairly wasted time and effort.

6.  'Father's' humor?  He seems programmed with 1950s jokes.

On weird science fiction productions....it's about as weird as you can get. 

Writing Off a Debt

 I worked with a contractor around twenty years ago who got into a fairly bad financial situation with his wife (she signed papers for this debt).  At some point, staying married and attached to this loan....made no sense.  So he hired a lawyer, divorced her, and saddled the debt (over $150,000) on her.  As he described it....she was an absolute '10' on nine out of ten qualities.  But she was crappy with money, and was a magnet for bankruptcy...sooner or later.

So I gaze of President Biden and this $300-billion to $600-billion student loan debt, and nothing makes sense.

He has zero power to write off debt.  

In this case?  He's going to say the $300-billion simply doesn't exist, and it'll never come back.  It's like telling your kids that they had a house up until Thursday, and then lost it.....so they will live with Aunt Lilly for the rest of their life.

Sloppy enough to get impeached?  Well....if this were normal political figures....yeah.  The minute that the executive order is produced.....you might as well count it as evidence.  

It's not that I don't feel sorry for the idiots who borrowed $100,000 for college, and got some marginal education that might only hold $35,000 in value.  You know....it's like you were at the car lot, and thought you were buying a Cadillac, and it's some cheapo Chinese car.  

All of this dwelling through the spring/summer of 2023, as it's pushed via the court system to the Supreme Court?  Yeah.  That's sad part of this story.

How I See Biden Order To Forgive $10,000 of Student Loan Debt

 Well....it will be challenged in court and around November of 2023....it'll reach the Supreme Court.

They will review the order, and counter that he doesn't have the power, then dump the $10k forgiveness.

What happens then (probably in the Jan/Feb period of 2024?  

Massive riots and public anger that the Court took away a 'power' of the Presidency.

I'll go and forecast over twenty different things to occur in 2024, which will all lead to riots, disruptions and threats made against members of the House, Senate and Court.  

If you were owing a massive debt on your student loan.....don't go expecting this to work in your favor.   

Yeah, About Essay Writing

 I noticed this story in the AM today....that the University of California/Berkeley now requires you (if applying for a job) to write an essay.

In the 1990s, I worked with a guy who'd applied for a job, and in the last group of final applicants....they sprung a essay requirement on him.  It had to be forty lines and demonstrate his ability to take a subject, writing with a pen....telling a basic story.  

What they wanted to know....could you actually write and do so with limited errors or misspellings.  The subject could be on anything....they didn't care.  They just wanted to know if you were capable of independent thought and the capability to tell a story successfully.

I asked him if it worked out for his essay, and he just grinned.  He told some story of handling a gathering of forty-odd wasps, and he was stung so intently.....that mama had to carry him to the county hospital.  Apparently, either the writing style or the story itself....failed him for the job.  

Well, in this case with Berkley....if you are apply for the Office for Faculty, Equity, and Welfare (OFEW)....it's not a unlimited topic situation.  They want you to write a statement which indicates or acknowledges they did something in the past to advance diversity, equity, inclusion, or belonging.

I paused over this.

I think for 90-percent of people here in 2022....it'd be hard for them to write any type of essay.  You could make the topic of aliens, unicorns, cowboys, fetishes, Pabst Blue Ribbon beer, the effect of homelessness, or even bad dates....it'd be hard for folks to sit there and tell some story over forty lines.  

I'd even suggest that only one-third of college graduates today....are capable of independent thought, and writing that into 'something'.  

In this case?  What you did for diversity or belonging?  Maybe something along the lines of 'I picked up some hitch-hiker name Darwin.  We connected on a UFO situation, and talked for six hours between Tulsa and St Louis'.  Would that be enough to make the Berkley folks happy?  

Will you be graded on writing or will this be a poorly/crappy essay about some BS inclusion matter on how you equalized something at your last job?

Just looking at this....working at some college campus is going to be challenging, but for the wrong reasons.