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Personal Responsibility: I CAME FROM NOTHING. SO I CAN NEVER LOSE EVERYTHING IS A WIN NSTAGRAM CLEVERINVESTOR When I was a kid I loved the movie RAD. You remember, it was the one with the awesome BMX bikes. Anyways, I would sit around my room dreaming about having one of those bikes. I asked my mom & dad if they would buy me one and they quickly told me NO. They said if I wanted the bike I would have to buy it myself. . The thought of owning one consumed me so I hatched a plan to get me an exact replica of the movie bike. . Step 1 Convince my mom to front me $40.00 and take me to the store to buy bulk candy. Laffy Taffy, Suckers, Dip Sticks Ect. . Step 2 Take my backpack full of candy to school and sell it to all the kids for double what I paid. . Step 3 Pay my mom back her $40.00 and repeat until I had enough for the bike. . My little candy business took off more that I anticipated. It grew so fast that I had to hire other kids to work for me and help me sell the candy. Life was great & eventually I made enough money to buy the bike. So I bought the bike and every kid in my neighborhood envied my new bike. Especially Jason the neighborhood bully. . Well one day I came outside & my bike was gone. Jason had taken it and told me that it was now his bike. He Deebo'd my bike! And Jason was huge & one of the meanest kids around. I ran home crying & I told my mom that he stole my bike & that I needed her to buy me a new one. . She said "son...go outside and get back your bike and don't come home until you have it because if you allow them to take your bike and push you down and bully you...that for the rest of your life you will live remembering that they walked all over you and took what was rightfully yours." She then kicked me out of the house and forced me to go confront Jason. . And even though I was scared & hesitant (& I got my ass kicked) I got my bike back. It was the greatest lesson of my life because it taught me to stand up for myself and perceive each situation as an opportunity to grow. Like Jim Rohn once said..."You must take personal responsibility. You cannot change the circumstances, the seasons, or the wind, but you can change yourself. That is something you have charge of."
Personal Responsibility: I CAME FROM NOTHING.
 SO I CAN NEVER LOSE
 EVERYTHING IS A WIN
 NSTAGRAM
 CLEVERINVESTOR
When I was a kid I loved the movie RAD. You remember, it was the one with the awesome BMX bikes. Anyways, I would sit around my room dreaming about having one of those bikes. I asked my mom & dad if they would buy me one and they quickly told me NO. They said if I wanted the bike I would have to buy it myself. . The thought of owning one consumed me so I hatched a plan to get me an exact replica of the movie bike. . Step 1 Convince my mom to front me $40.00 and take me to the store to buy bulk candy. Laffy Taffy, Suckers, Dip Sticks Ect. . Step 2 Take my backpack full of candy to school and sell it to all the kids for double what I paid. . Step 3 Pay my mom back her $40.00 and repeat until I had enough for the bike. . My little candy business took off more that I anticipated. It grew so fast that I had to hire other kids to work for me and help me sell the candy. Life was great & eventually I made enough money to buy the bike. So I bought the bike and every kid in my neighborhood envied my new bike. Especially Jason the neighborhood bully. . Well one day I came outside & my bike was gone. Jason had taken it and told me that it was now his bike. He Deebo'd my bike! And Jason was huge & one of the meanest kids around. I ran home crying & I told my mom that he stole my bike & that I needed her to buy me a new one. . She said "son...go outside and get back your bike and don't come home until you have it because if you allow them to take your bike and push you down and bully you...that for the rest of your life you will live remembering that they walked all over you and took what was rightfully yours." She then kicked me out of the house and forced me to go confront Jason. . And even though I was scared & hesitant (& I got my ass kicked) I got my bike back. It was the greatest lesson of my life because it taught me to stand up for myself and perceive each situation as an opportunity to grow. Like Jim Rohn once said..."You must take personal responsibility. You cannot change the circumstances, the seasons, or the wind, but you can change yourself. That is something you have charge of."

When I was a kid I loved the movie RAD. You remember, it was the one with the awesome BMX bikes. Anyways, I would sit around my room drea...

Personal Responsibility: It's not the police who need to be retrained BACK THE BADGE NYPD It's the public. It's not the police who need to be retrained, it's the public. We have grown into a mouthy, cell phone wielding, vulgar, uncivil society with no personal responsibility and the attitude of 'it's the other person's fault', 'you owe me'. A society where children grow up with no boundaries or knowledge or concern for civil society and personal responsibility. Police officers are our sons and daughters, fathers and mothers, brothers and sisters. They're black, white, brown, all colors, all ethnicities, all faiths, male and female, they are us. They see the worst side of humanity... the raped children, the bloody mangled bodies of traffic victims, the bruised and battered victims of domestic violence, homicide victims, body parts... day after day. They work holidays while we have festive meals with our families. They miss school events with their kids, birthdays, anniversaries, all those special occasions that we take for granted. They work in all types of weather, under dangerous conditions, for relatively low pay. They have extensive training, but they are human. When there are numerous attacks on them, they become hyper vigilant for a reason, they have become targets. When a police officer encounters any person... any person, whether at a traffic stop, a street confrontation, an arrest, whatever... that situation has the potential to become life threatening. You, Mr & MrsMiss Civilian, also have the responsibility of keeping the situation from getting out of control. Many law enforcement officers are Veterans. They've been in service to this nation most of their lives, whether on the battlefield or protecting us here at home. They are the only thing that stands between us and anarchy in the streets. If you want to protect your child, teach them respect.
Personal Responsibility: It's not the police who need
 to be retrained
 BACK
 THE
 BADGE
 NYPD
 It's the public.
It's not the police who need to be retrained, it's the public. We have grown into a mouthy, cell phone wielding, vulgar, uncivil society with no personal responsibility and the attitude of 'it's the other person's fault', 'you owe me'. A society where children grow up with no boundaries or knowledge or concern for civil society and personal responsibility. Police officers are our sons and daughters, fathers and mothers, brothers and sisters. They're black, white, brown, all colors, all ethnicities, all faiths, male and female, they are us. They see the worst side of humanity... the raped children, the bloody mangled bodies of traffic victims, the bruised and battered victims of domestic violence, homicide victims, body parts... day after day. They work holidays while we have festive meals with our families. They miss school events with their kids, birthdays, anniversaries, all those special occasions that we take for granted. They work in all types of weather, under dangerous conditions, for relatively low pay. They have extensive training, but they are human. When there are numerous attacks on them, they become hyper vigilant for a reason, they have become targets. When a police officer encounters any person... any person, whether at a traffic stop, a street confrontation, an arrest, whatever... that situation has the potential to become life threatening. You, Mr & MrsMiss Civilian, also have the responsibility of keeping the situation from getting out of control. Many law enforcement officers are Veterans. They've been in service to this nation most of their lives, whether on the battlefield or protecting us here at home. They are the only thing that stands between us and anarchy in the streets. If you want to protect your child, teach them respect.

It's not the police who need to be retrained, it's the public. We have grown into a mouthy, cell phone wielding, vulgar, uncivil society...

Personal Responsibility: Your father probably told you a few things, but just in case he wasn't around enough, here are some words of wisdom you might have missed out on: 1. Go for women you perceive to be "out of your league." You'll surprise yourself 2. Never have sex with anyone that doesn't want it as much as you. 3. Never hit anyone unless they are an immediate threat 4. Every hat should serve a purpose 5. Never take her to the movies on the first date 6. Learn to wet shave 7. Nothing looks more badass than a well-tailored suit. 8. Shave 9. Always look a person in the eye when you talk to ith the grain on the first go-around. them. 10. Buy a plunger before you need a plunger 11. Exercise makes you happy. Run, lift, and play sports 12.Brush your teeth before you put on your tie 13.A small amount of your paycheck should go directly to your savings account every month. 14. Call your parents every week. 15. Never wear a clip-on tie. 16. Give a firm handshake 17. Compliment her shoes. 18. Never leave a pint unfinished. 19. If you aren't confident, fake it. It will come 20. You can tell the size of a man by the size of things that bother him. 21. Be conscious of your body language 22. The only reason to ever point a gun at someone is if you intend to shoot them. 23. Always stand to shake someone's hand 24. Never lend anything you can't afford to lose. 25. Ask more than you answer. Everybody likes to talk about themselves 26. Keep a change of clothes at the office 27. Buy high quality tools, so you only have to buy them once. 28. Manliness is not only being able to take care of yourself, but others as well. 29. Go with the decision that will make for a good story 30. When you walk, look straight ahead, not at your feet. 31. Nice guys don't finish last. Boring guys do. 32. Find your passion and figure out how to get paid for it. 33. Don't let the little head do the thinking for the big head. 34. No matter their job or status in life, everyone deserves your respect 35. The most important thing you can learn is personal responsibility. Bad things happen, it's your job to overcome them. 36. The first one to get angry loses. 37. Do what needs to be done without complaining. It won't help speed things up. 38. Never stop learning. 39. Always go out into public dressed like you're about to meet the love of your life. 40. Don't change yourself just to make someone happy, unless that someone is you. 41. If you're the smartest person in the room, you're in the wrong room. 42. Luck favors the prepared. 43. Women find confidence sexy as hell 44. Do whatever you want to do in the life, but be the best at it. 45. No one is on their deathbed wishing they spent more time at work. Enjoy your life <p>Things My Dad Never Told Me</p>
Personal Responsibility: Your father probably told you a few things,
 but just in case he wasn't around enough,
 here are some words of wisdom you might
 have missed out on:
 1. Go for women you perceive to be "out of your
 league." You'll surprise yourself
 2. Never have sex with anyone that doesn't want it
 as much as you.
 3. Never hit anyone unless they are an immediate threat
 4. Every hat should serve a purpose
 5. Never take her to the movies on the first date
 6. Learn to wet shave
 7. Nothing looks more badass than a well-tailored suit.
 8. Shave
 9. Always look a person in the eye when you talk to
 ith the grain on the first go-around.
 them.
 10. Buy a plunger before you need a plunger
 11. Exercise makes you happy. Run, lift, and play
 sports
 12.Brush your teeth before you put on your tie
 13.A small amount of your paycheck should go
 directly to your savings account every month.
 14. Call your parents every week.
 15. Never wear a clip-on tie.
 16. Give a firm handshake
 17. Compliment her shoes.
 18. Never leave a pint unfinished.
 19. If you aren't confident, fake it. It will come
 20. You can tell the size of a man by the size of things
 that bother him.
 21. Be conscious of your body language
 22. The only reason to ever point a gun at someone is
 if you intend to shoot them.
 23. Always stand to shake someone's hand
 24. Never lend anything you can't afford to lose.
 25. Ask more than you answer. Everybody likes to talk
 about themselves
 26. Keep a change of clothes at the office
 27. Buy high quality tools, so you only have to buy them
 once.
 28. Manliness is not only being able to take care of
 yourself, but others as well.
 29. Go with the decision that will make for a good
 story
 30. When you walk, look straight ahead, not at your
 feet.
 31. Nice guys don't finish last. Boring guys do.
 32. Find your passion and figure out how to get paid
 for it.
 33. Don't let the little head do the thinking for the big
 head.
 34. No matter their job or status in life, everyone
 deserves your respect
 35. The most important thing you can learn is
 personal responsibility. Bad things happen, it's your
 job to overcome them.
 36. The first one to get angry loses.
 37. Do what needs to be done without complaining. It
 won't help speed things up.
 38. Never stop learning.
 39. Always go out into public dressed like you're
 about to meet the love of your life.
 40. Don't change yourself just to make someone
 happy, unless that someone is you.
 41. If you're the smartest person in the room, you're
 in the wrong room.
 42. Luck favors the prepared.
 43. Women find confidence sexy as hell
 44. Do whatever you want to do in the life, but be the
 best at it.
 45. No one is on their deathbed wishing they spent
 more time at work. Enjoy your life
<p>Things My Dad Never Told Me</p>

<p>Things My Dad Never Told Me</p>

Personal Responsibility: Who's your character? STAR WARS personality chart INF J LSFJ ISTJ INTJ C-3P0 Palpatine Obi-Wan Kenobi Owen Lars The Inspector The Protector The Counselor The Mastermind Responsible, loyal, and hard werking Have an acutee sense of right and wrong and work to preserve Traditional, loyal, quiet, and kind Extremely intuiive about people and sensitive to others' needs Often fear change and try hard to maintain peace and order. Tend to serve behind the scenes without seeking recognition. Like routine and possess excellent followthrough skils. Characterized by the ability to identity the needs of others and meet them selfiessly. Introspective, caring, sensitive, and comples. Strive for peace and seek to develop and guide others Value self-control and the pursuit of the greater good Live their lives wth a great purpose, and devoted to the causes they believe in Characterized by the ability to connect with the essence of others and to identity their strengths Ojective, independent, thorough and adaptable, wth wel-developed powers of concentration Natural leaders who strive for perfection. Talented in bringing ideas from conception to reality. Expect perfection from themselves as well as others Characteriaed by their desire to produce mastery and achievement that reflects their brilliance established norms and traditions. Somewhat reserved and prefer to work alone, but can make great team memebers if the need arises Characteriaed by the ability to work hand and make sacrifices to keep society running smoothly. LSFP LSTP INFP INTR Bail Organa Luke Skywalker yoda Chewbacca The Crafter The Artist The Idealist The Architect Quiet, serious, sensitive, and kind. Leyal and faithful dislike conflict. Have a keen appreciation for beauty due to their highly developed senses. Likely to be oniginal and creative. Highly affectionate, but can be dficut to get to know Live in the present and yearn for freedom Characteriaed by their desire to help and contribute to the well-being of others. Introspective, private, creative, and highly idealistic Driven by their values, and interested in helping people and serving humanity, Adaptable and laid-back unless a strongly-held value is threatened Imaginative, ofhen talented in language and writing Characterized by their ability to be present with another person on a deep level Logical, original, reserved, and curious. Focus on ideas, theories, and explanations. Have a calm rious exterior, but a deeply passionate soul Appreciate and respect intelligence in others. Have a strong ability to stay on task. Characteriaed by their ability to design sophisticated systems and theories that improve the lives of others Independent and adventurous, yet quiet and reserved Interested in how and why things work Addaptable and spontaneous, lkes to live in the moment. Loyal to their peers and to their internal value systems, but not overly concermed with respecting rules if they get in the way. Characteriznd by their ability to get things done ESTP ESFP ENFP ENTP Wicket Han Solo R2-D2 Qui-Gon linn The Promoter The Performer The Champion The Inventor Outgoing, triendly, and fun-loving Likely to be the center of attention in social stuations. Love new experiences and live for the moment Adapt readily to new people and environments, can get bored easily. Enjoy material comforts and want the best of what e has to offer. Characterized by their ability to create positive experiences for others Friendly, adaptable, and action-oriented "doers who are focused on immediate results. Think on their feet and thrive in crises. Informal risk-takers who live tast-paced lives. Never allow nules to get in the way of their ambitions Straightfonward and realistic, take criticism wel Characterized by their ability to get things done and work well with others Enthusiastic, idealistic inspiring and creative Actively advocate for what they feel to be important attracting others to their causes with excellent people skils, warmth, and positivity. Excited by new ideas but tend to get bored with details Characterized by their ability to inspire and motivate others with their enthusiasm and passion for life Quick, innovative, curious, and resourceful Excellent ability to understand concepts and apply logie to find solutions. Introspective and carefree nonconformists who are bored by routine. Thrive at finding crafty solutions to technical problems Characterized by their ability to pursue and succeed at any risk-taking venture ENFJ ENTJ ESTJAESFJ Leia Organa lar Jar Binks Darth Vader Padme Amidala The Provider The Supervisor The Giver The Executive Practical, realisic, organied, and strategic Possess Warmhearted, conscientious, and popular. Tend to put Warm, empatheic, and charismatic with excellent the needs of others over their own needs. Sensitive to people skils. Highly sensitive to the emotions and critichm and need positive reintorcement to feel good needs of others, likely to find hidden potential in others and strive to help them fulfill t. Take their ebligations to others very seriously. Characterized by their ability to help develog others, and making a Assertive, strategic, and decisive, with a natural desire to lead. Inteligent and wel-informed, value knowledge and competence Are quick to see ogical and inefficient systems, and develop ntelligent solutions in response. Characterized by their ability to lead confidenty and reach poals with eNcellence natural leadership qualities Strict boundary setters who take personal responsibility very seriously Intensely focused on getting results and seek ways to about themselves. Supportive and generous, can do so in the most efficient way possible Characteraed by their ability to preserve traditions and provide security for their loved ones sometimes come across as overbearing due to their capacity for empathy. Characterized by their genuine concern for others, which drives everything they do asting difference in people's lives www.geekinheels.com eliteintp: http://ift.tt/1ocOUba YODA I AM
Personal Responsibility: Who's your character?
 STAR WARS personality chart
 INF J
 LSFJ
 ISTJ
 INTJ
 C-3P0
 Palpatine
 Obi-Wan Kenobi
 Owen Lars
 The Inspector
 The Protector
 The Counselor
 The Mastermind
 Responsible, loyal, and hard werking Have an acutee
 sense of right and wrong and work to preserve
 Traditional, loyal, quiet, and kind Extremely intuiive
 about people and sensitive to others' needs Often
 fear change and try hard to maintain peace and order.
 Tend to serve behind the scenes without seeking
 recognition. Like routine and possess excellent
 followthrough skils. Characterized by the ability to
 identity the needs of others and meet them selfiessly.
 Introspective, caring, sensitive, and comples. Strive
 for peace and seek to develop and guide others
 Value self-control and the pursuit of the greater good
 Live their lives wth a great purpose, and devoted to
 the causes they believe in Characterized by the
 ability to connect with the essence of others and to
 identity their strengths
 Ojective, independent, thorough and adaptable,
 wth wel-developed powers of concentration
 Natural leaders who strive for perfection. Talented in
 bringing ideas from conception to reality. Expect
 perfection from themselves as well as others
 Characteriaed by their desire to produce mastery
 and achievement that reflects their brilliance
 established norms and traditions. Somewhat reserved
 and prefer to work alone, but can make great team
 memebers if the need arises Characteriaed by the
 ability to work hand and make sacrifices to keep
 society running smoothly.
 LSFP
 LSTP
 INFP
 INTR
 Bail Organa
 Luke Skywalker
 yoda
 Chewbacca
 The Crafter
 The Artist
 The Idealist
 The Architect
 Quiet, serious, sensitive, and kind. Leyal and faithful
 dislike conflict. Have a keen appreciation for beauty
 due to their highly developed senses. Likely to be
 oniginal and creative. Highly affectionate, but can be
 dficut to get to know Live in the present and yearn
 for freedom Characteriaed by their desire to help
 and contribute to the well-being of others.
 Introspective, private, creative, and highly idealistic
 Driven by their values, and interested in helping
 people and serving humanity, Adaptable and
 laid-back unless a strongly-held value is threatened
 Imaginative, ofhen talented in language and writing
 Characterized by their ability to be present with
 another person on a deep level
 Logical, original, reserved, and curious. Focus on
 ideas, theories, and explanations. Have a calm
 rious exterior, but a deeply passionate soul
 Appreciate and respect intelligence in others. Have a
 strong ability to stay on task. Characteriaed by their
 ability to design sophisticated systems and theories
 that improve the lives of others
 Independent and adventurous, yet quiet and reserved
 Interested in how and why things work Addaptable
 and spontaneous, lkes to live in the moment. Loyal
 to their peers and to their internal value systems, but
 not overly concermed with respecting rules if they get
 in the way. Characteriznd by their ability to get things
 done
 ESTP
 ESFP
 ENFP ENTP
 Wicket
 Han Solo
 R2-D2
 Qui-Gon linn
 The Promoter
 The Performer
 The Champion
 The Inventor
 Outgoing, triendly, and fun-loving Likely to be the
 center of attention in social stuations. Love new
 experiences and live for the moment Adapt readily
 to new people and environments, can get bored
 easily. Enjoy material comforts and want the best of
 what e has to offer. Characterized by their ability to
 create positive experiences for others
 Friendly, adaptable, and action-oriented "doers who
 are focused on immediate results. Think on their feet
 and thrive in crises. Informal risk-takers who live
 tast-paced lives. Never allow nules to get in the way
 of their ambitions Straightfonward and realistic, take
 criticism wel Characterized by their ability to get
 things done and work well with others
 Enthusiastic, idealistic inspiring and creative
 Actively advocate for what they feel to be important
 attracting others to their causes with excellent people
 skils, warmth, and positivity. Excited by new ideas
 but tend to get bored with details Characterized by
 their ability to inspire and motivate others with their
 enthusiasm and passion for life
 Quick, innovative, curious, and resourceful Excellent
 ability to understand concepts and apply logie to find
 solutions. Introspective and carefree nonconformists
 who are bored by routine. Thrive at finding crafty
 solutions to technical problems Characterized by
 their ability to pursue and succeed at any risk-taking
 venture
 ENFJ
 ENTJ
 ESTJAESFJ
 Leia Organa
 lar Jar Binks
 Darth Vader
 Padme Amidala
 The Provider
 The Supervisor
 The Giver
 The Executive
 Practical, realisic, organied, and strategic Possess
 Warmhearted, conscientious, and popular. Tend to put Warm, empatheic, and charismatic with excellent
 the needs of others over their own needs. Sensitive to people skils. Highly sensitive to the emotions and
 critichm and need positive reintorcement to feel good needs of others, likely to find hidden potential in
 others and strive to help them fulfill t. Take their
 ebligations to others very seriously. Characterized by
 their ability to help develog others, and making a
 Assertive, strategic, and decisive, with a natural
 desire to lead. Inteligent and wel-informed, value
 knowledge and competence Are quick to see
 ogical and inefficient systems, and develop
 ntelligent solutions in response. Characterized by
 their ability to lead confidenty and reach poals with
 eNcellence
 natural leadership qualities Strict boundary setters
 who take personal responsibility very seriously
 Intensely focused on getting results and seek ways to about themselves. Supportive and generous, can
 do so in the most efficient way possible
 Characteraed by their ability to preserve traditions
 and provide security for their loved ones
 sometimes come across as overbearing due to their
 capacity for empathy. Characterized by their genuine
 concern for others, which drives everything they do
 asting difference in people's lives
 www.geekinheels.com
eliteintp:

http://ift.tt/1ocOUba

YODA I AM

eliteintp: http://ift.tt/1ocOUba YODA I AM

Personal Responsibility: THE DEBT POOL AVOIDING STUDENT LOAN DEBT STUDENTS ARE DROWNING IN DEBT: HOW BAD IS IT? STUDENT LOAN TOTALS TOP 1.3 MILLION Students graduated with debt in 2012 20S20 $20 $20S20$20 LINBLLI $20 $20 $20 BILL EILLE 1.1 MILLION Students graduated with debt in 2008 IBILL BILLICH 20 $20 LLINBLLI EILLE $20 S20 20 $20 $20 IBILL EILLICH 0.9 MILLION Students graduated with debt in 2004 S20 S20 $20 $20 S20 20 S20 S20 S20 $20 BILL EILLE 40 MILLION 7 MILLION cumulative number of students currently in debt of the 40 million have defaulted THOUSAND OTHOUSAND THOUSAND THOUSAND THOUSAND THOUSAND THOUSAND THOUSAND DTHOUSAND DTHOUSAND THOUSAND THOUSAND HOUSANDTHOUSAND Average student loan debt in 2014 66% of graduates from public colleges had student loans 75% of graduates from private nonprofit colleges had student loans 88% of graduates from for-profit colleges had student loans AVOID DEBT ALTOGETHER EARN MONEY WHILE IN COLLEGE Grants and scholarships Work grants Start a business, i.e. website developer Tutor others Crowd fund your education Go to night school, work during day Sell some of your future earnings SAVINGS Summer jobs Birthday money, gifts Parents paying for it TIPS FOR KEEPING DEBT UNDER CONTROL 01 Keep Track of balance and repayment status Saving Grace Period: How long you can wait before first payment Stay in Touch: Ignoring lender bills lead to default Don't Panic: You can temporarily postpone your federal loan payments Stay out of Trouble: Not paying can lead to delinquency Pay Off: Most expensive loans first To Consolidate or Not to Consolidate Consider your options Deduct your student loan interest at tax time Loan Forgiveness Sometimes it is an option Prepay: If you can WHERE POLITICAL CANDIDATES STAND ON EASING STUDENT LOAN DEBT DEMOCRATS Hillary Clinton: Government intervention to ease debt burden Bernie Sanders: Tuition free Martin O'Malley: College should be debt free Jim Webb: [no stated solution REPUBLICAN Jeb Bush: Incentivize schools to drive down costs Lindsey Graham: Allow students to refinance their loans. Increase competition. Offer loan forgiveness for teachers Ben Carson: Require families to rely more on personal responsibility, instead of student loans Mike Huckabee: Students can refile. Cut back on govern- ment involvement Chris Christie: Calls for reforming the system to focus more on low-income borrowers John Kasich: Increased government spending on higher education as governor George Pataki: "College is way too expensive" Donald Trump: Stop government profiting from student loans Ted Cruz: Against allowing students to refinance loans Empathizes with students in debt Marco Rubio: Advocates income based repayment Carly Fiorina: Increase competition to lower prices Rick Santorum: Roll back govern ment role in education CITATIONS http://ticas.org/content/posd/top-10-student-loan-tips-recent-graduates [for Top 10] http://blogs.wsj.com/numbers/congatulations-to-class-of-2014-the-most-indebted-ever-1368/ http://ticas.org/sites/default/files/pub_files/Debt Facts and Sources.pdf http://www.marketwatch.com/story/where-the-presidential-candidates-stand-on-student-debt-2015-07-28 http://www.schools.com/articles/how-to-avoid-student-loan-default BROUGHT TO YOU BY ONLINECOLLEGEPLAN COM lifepro-tips: The Debt Pool: Avoiding Student Loan Debt
Personal Responsibility: THE DEBT POOL
 AVOIDING STUDENT LOAN DEBT
 STUDENTS ARE DROWNING IN DEBT: HOW BAD IS IT?
 STUDENT LOAN
 TOTALS TOP
 1.3 MILLION
 Students graduated
 with debt in 2012
 20S20 $20 $20S20$20
 LINBLLI
 $20 $20 $20
 BILL
 EILLE
 1.1 MILLION
 Students graduated
 with debt in 2008
 IBILL
 BILLICH
 20 $20
 LLINBLLI
 EILLE
 $20 S20 20
 $20
 $20
 IBILL
 EILLICH
 0.9 MILLION
 Students graduated
 with debt in 2004
 S20 S20 $20 $20 S20 20 S20 S20 S20 $20
 BILL
 EILLE
 40 MILLION
 7 MILLION
 cumulative number of students currently in debt
 of the 40 million have defaulted

 THOUSAND
 OTHOUSAND THOUSAND
 THOUSAND
 THOUSAND
 THOUSAND
 THOUSAND THOUSAND
 DTHOUSAND
 DTHOUSAND THOUSAND
 THOUSAND
 HOUSANDTHOUSAND
 Average student loan debt in 2014
 66% of graduates from public colleges had student loans
 75% of graduates from private nonprofit colleges had student loans
 88% of graduates from for-profit colleges had student loans
 AVOID DEBT ALTOGETHER
 EARN MONEY WHILE IN COLLEGE
 Grants and scholarships
 Work grants
 Start a business, i.e. website developer
 Tutor others
 Crowd fund your education
 Go to night school, work during day
 Sell some of your future earnings
 SAVINGS
 Summer jobs
 Birthday money, gifts
 Parents paying for it
 TIPS FOR KEEPING DEBT UNDER CONTROL
 01
 Keep Track of balance
 and repayment status
 Saving Grace Period:
 How long you can wait
 before first payment
 Stay in Touch: Ignoring
 lender bills lead to
 default
 Don't Panic: You can
 temporarily postpone
 your federal loan
 payments
 Stay out of Trouble: Not
 paying can lead to
 delinquency
 Pay Off: Most expensive
 loans first
 To Consolidate or Not
 to Consolidate
 Consider your options
 Deduct your student
 loan interest at tax time
 Loan Forgiveness
 Sometimes it is an
 option
 Prepay: If you can

 WHERE POLITICAL CANDIDATES STAND ON EASING STUDENT LOAN DEBT
 DEMOCRATS
 Hillary Clinton: Government intervention to ease debt
 burden
 Bernie Sanders: Tuition free
 Martin O'Malley: College should be debt free
 Jim Webb: [no stated solution
 REPUBLICAN
 Jeb Bush: Incentivize schools to drive down costs
 Lindsey Graham: Allow students to refinance their loans.
 Increase competition. Offer loan forgiveness for teachers
 Ben Carson: Require families to rely more on personal
 responsibility, instead of student loans
 Mike Huckabee: Students can refile. Cut back on govern-
 ment involvement
 Chris Christie: Calls for reforming the system to focus
 more on low-income borrowers
 John Kasich: Increased government spending on higher
 education as governor
 George Pataki: "College is way too expensive"
 Donald Trump: Stop government profiting from student
 loans
 Ted Cruz: Against allowing students to refinance loans
 Empathizes with students in debt
 Marco Rubio: Advocates income based repayment
 Carly Fiorina: Increase competition to lower prices
 Rick Santorum: Roll back govern
 ment role in education
 CITATIONS
 http://ticas.org/content/posd/top-10-student-loan-tips-recent-graduates [for Top 10]
 http://blogs.wsj.com/numbers/congatulations-to-class-of-2014-the-most-indebted-ever-1368/
 http://ticas.org/sites/default/files/pub_files/Debt Facts and Sources.pdf
 http://www.marketwatch.com/story/where-the-presidential-candidates-stand-on-student-debt-2015-07-28
 http://www.schools.com/articles/how-to-avoid-student-loan-default
 BROUGHT TO YOU BY ONLINECOLLEGEPLAN COM
lifepro-tips:



The Debt Pool: Avoiding Student Loan Debt

lifepro-tips: The Debt Pool: Avoiding Student Loan Debt

Personal Responsibility: AP Photo/Carlos Osorio We've been conditioned to think that only politicians can solve our problems. But at some point, maybe we will wake up and recognize that it was politicians who created our problems." -Ben Carson FOX NEWS channe <p><a href="http://armedandgayngerous.tumblr.com/post/139098447056/proudblackconservative-conservativecathy444" class="tumblr_blog">armedandgayngerous</a>:</p> <blockquote> <p><a href="http://proudblackconservative.tumblr.com/post/139098361624/conservativecathy444-or-maybe-it-is-the-people" class="tumblr_blog">proudblackconservative</a>:</p> <blockquote> <p><a class="tumblr_blog" href="http://conservativecathy444.tumblr.com/post/139098001802">conservativecathy444</a>:</p> <blockquote> <p>Or maybe it is the people who elect those politicians that are the ones responsible and the ones that created the problem…..</p> <p>Until the American people can see this truth nothing will change<br/></p> </blockquote> <p>“But personal responsibility is hard! I’d rather elect someone just as clueless as I am who tells me all the things that make me feel good but are ultimately meaningless! Hooray for mindless populism!”<br/></p> <p>Politicians are not some separate breed of human. They are not gods or divinely appointed emperors that came out of nowhere. We the People put them where they are. That idealistic image that Washington and Jefferson et. al. were just lowly farm boys with good hearts is utter nonsense. They were lawyers, generals, writers. They had long discourses and wrote theses and went to meetings. They were, in every sense, politicians. Electing Johnny Average with no formal political education, experience or training isn’t going to magically fix things. </p> </blockquote> <p>I think this is referring to career politicians; people who’ve let the draw of being elected and given power change who they are. They HAVE become a caste, in that sense.</p> </blockquote> <p>Even the term “career politician” I think is pretty meaningless. No one says “ew, I don’t want a *career doctor* operating on me! He’s too used to the draw of performing successful surgeries and being paid handsomely for it! I’d rather have the freshman med student do the job because he remembers what it was like to be like me!”</p><p>There’s really no great sin in making a “career” out of what you’re good at. That’s why most positions have term limits and reelections. If people continue to elect you, then those people have said that they want you to continue doing the job. Again, it’s the people making the decision. There are good politicians and bad ones, but the problems created by the bad ones are almost always solved by the good ones, rather than some inexperienced joker off the street who has absolutely no idea what he’s getting into or how to work the political landscape.</p>
Personal Responsibility: AP Photo/Carlos Osorio
 We've been conditioned to think that
 only politicians can solve our problems.
 But at some point, maybe we will wake
 up and recognize that it was politicians
 who created our problems."
 -Ben Carson
 FOX
 NEWS
 channe
<p><a href="http://armedandgayngerous.tumblr.com/post/139098447056/proudblackconservative-conservativecathy444" class="tumblr_blog">armedandgayngerous</a>:</p>
<blockquote>
<p><a href="http://proudblackconservative.tumblr.com/post/139098361624/conservativecathy444-or-maybe-it-is-the-people" class="tumblr_blog">proudblackconservative</a>:</p>
<blockquote>
<p><a class="tumblr_blog" href="http://conservativecathy444.tumblr.com/post/139098001802">conservativecathy444</a>:</p>
<blockquote>
<p>Or maybe it is the people who elect those politicians that are the ones responsible and the ones that created the problem…..</p>
<p>Until the American people can see this truth nothing will change<br/></p>
</blockquote>

<p>“But personal responsibility is hard! I’d rather elect someone just as clueless as I am who tells me all the things that make me feel good but are ultimately meaningless! Hooray for mindless populism!”<br/></p>
<p>Politicians are not some separate breed of human. They are not gods or divinely appointed emperors that came out of nowhere. We the People put them where they are. That idealistic image that Washington and Jefferson et. al. were just lowly farm boys with good hearts is utter nonsense. They were lawyers, generals, writers. They had long discourses and wrote theses and went to meetings. They were, in every sense, politicians. Electing Johnny Average with no formal political education, experience or training isn’t going to magically fix things. </p>
</blockquote>
<p>I think this is referring to career politicians; people who’ve let the draw of being elected and given power change who they are. They HAVE become a caste, in that sense.</p>
</blockquote>
<p>Even the term “career politician” I think is pretty meaningless. No one says “ew, I don’t want a *career doctor* operating on me! He’s too used to the draw of performing successful surgeries and being paid handsomely for it! I’d rather have the freshman med student do the job because he remembers what it was like to be like me!”</p><p>There’s really no great sin in making a “career” out of what you’re good at. That’s why most positions have term limits and reelections. If people continue to elect you, then those people have said that they want you to continue doing the job. Again, it’s the people making the decision. There are good politicians  and bad ones, but the problems created by the bad ones are almost always solved by the good ones, rather than some inexperienced joker off the street who has absolutely no idea what he’s getting into or how to work the political landscape.</p>

<p><a href="http://armedandgayngerous.tumblr.com/post/139098447056/proudblackconservative-conservativecathy444" class="tumblr_blog">armed...

Personal Responsibility: AP Photo/Carlos Osorio We've been conditioned to think that only politicians can solve our problems. But at some point, maybe we will wake up and recognize that it was politicians who created our problems." -Ben Carson FOX NEWS channe <p><a class="tumblr_blog" href="http://conservativecathy444.tumblr.com/post/139098001802">conservativecathy444</a>:</p> <blockquote> <p>Or maybe it is the people who elect those politicians that are the ones responsible and the ones that created the problem…..</p> <p>Until the American people can see this truth nothing will change<br/></p> </blockquote> <p>“But personal responsibility is hard! I’d rather elect someone just as clueless as I am who tells me all the things that make me feel good but are ultimately meaningless! Hooray for mindless populism!”<br/></p><p>Politicians are not some separate breed of human. They are not gods or divinely appointed emperors that came out of nowhere. We the People put them where they are. That idealistic image that Washington and Jefferson et. al. were just lowly farm boys with good hearts is utter nonsense. They were lawyers, generals, writers. They had long discourses and wrote theses and went to meetings. They were, in every sense, politicians. Electing Johnny Average with no formal political education, experience or training isn’t going to magically fix things. </p>
Personal Responsibility: AP Photo/Carlos Osorio
 We've been conditioned to think that
 only politicians can solve our problems.
 But at some point, maybe we will wake
 up and recognize that it was politicians
 who created our problems."
 -Ben Carson
 FOX
 NEWS
 channe
<p><a class="tumblr_blog" href="http://conservativecathy444.tumblr.com/post/139098001802">conservativecathy444</a>:</p>
<blockquote>
<p>Or maybe it is the people who elect those politicians that are the ones responsible and the ones that created the problem…..</p>
<p>Until the American people can see this truth nothing will change<br/></p>
</blockquote>

<p>“But personal responsibility is hard! I’d rather elect someone just as clueless as I am who tells me all the things that make me feel good but are ultimately meaningless! Hooray for mindless populism!”<br/></p><p>Politicians are not some separate breed of human. They are not gods or divinely appointed emperors that came out of nowhere. We the People put them where they are. That idealistic image that Washington and Jefferson et. al. were just lowly farm boys with good hearts is utter nonsense. They were lawyers, generals, writers. They had long discourses and wrote theses and went to meetings. They were, in every sense, politicians. Electing Johnny Average with no formal political education, experience or training isn’t going to magically fix things. </p>

<p><a class="tumblr_blog" href="http://conservativecathy444.tumblr.com/post/139098001802">conservativecathy444</a>:</p> <blockquote> <p>O...

Personal Responsibility: THE DEBT POOL AVOIDING STUDENT LOAN DEBT STUDENTS ARE DROWNING IN DEBT: HOW BAD IS IT? STUDENT LOAN TOTALS TOP 1.3 MILLION Students graduated with debt in 2012 20S20 $20 $20S20$20 LINBLLI $20 $20 $20 BILL EILLE 1.1 MILLION Students graduated with debt in 2008 IBILL BILLICH 20 $20 LLINBLLI EILLE $20 S20 20 $20 $20 IBILL EILLICH 0.9 MILLION Students graduated with debt in 2004 S20 S20 $20 $20 S20 20 S20 S20 S20 $20 BILL EILLE 40 MILLION 7 MILLION cumulative number of students currently in debt of the 40 million have defaulted THOUSAND OTHOUSAND THOUSAND THOUSAND THOUSAND THOUSAND THOUSAND THOUSAND DTHOUSAND DTHOUSAND THOUSAND THOUSAND HOUSANDTHOUSAND Average student loan debt in 2014 66% of graduates from public colleges had student loans 75% of graduates from private nonprofit colleges had student loans 88% of graduates from for-profit colleges had student loans AVOID DEBT ALTOGETHER EARN MONEY WHILE IN COLLEGE Grants and scholarships Work grants Start a business, i.e. website developer Tutor others Crowd fund your education Go to night school, work during day Sell some of your future earnings SAVINGS Summer jobs Birthday money, gifts Parents paying for it TIPS FOR KEEPING DEBT UNDER CONTROL 01 Keep Track of balance and repayment status Saving Grace Period: How long you can wait before first payment Stay in Touch: Ignoring lender bills lead to default Don't Panic: You can temporarily postpone your federal loan payments Stay out of Trouble: Not paying can lead to delinquency Pay Off: Most expensive loans first To Consolidate or Not to Consolidate Consider your options Deduct your student loan interest at tax time Loan Forgiveness Sometimes it is an option Prepay: If you can WHERE POLITICAL CANDIDATES STAND ON EASING STUDENT LOAN DEBT DEMOCRATS Hillary Clinton: Government intervention to ease debt burden Bernie Sanders: Tuition free Martin O'Malley: College should be debt free Jim Webb: [no stated solution REPUBLICAN Jeb Bush: Incentivize schools to drive down costs Lindsey Graham: Allow students to refinance their loans. Increase competition. Offer loan forgiveness for teachers Ben Carson: Require families to rely more on personal responsibility, instead of student loans Mike Huckabee: Students can refile. Cut back on govern- ment involvement Chris Christie: Calls for reforming the system to focus more on low-income borrowers John Kasich: Increased government spending on higher education as governor George Pataki: "College is way too expensive" Donald Trump: Stop government profiting from student loans Ted Cruz: Against allowing students to refinance loans Empathizes with students in debt Marco Rubio: Advocates income based repayment Carly Fiorina: Increase competition to lower prices Rick Santorum: Roll back govern ment role in education CITATIONS http://ticas.org/content/posd/top-10-student-loan-tips-recent-graduates [for Top 10] http://blogs.wsj.com/numbers/congatulations-to-class-of-2014-the-most-indebted-ever-1368/ http://ticas.org/sites/default/files/pub_files/Debt Facts and Sources.pdf http://www.marketwatch.com/story/where-the-presidential-candidates-stand-on-student-debt-2015-07-28 http://www.schools.com/articles/how-to-avoid-student-loan-default BROUGHT TO YOU BY ONLINECOLLEGEPLAN COM frugallivingblog: The Debt Pool: Avoiding Student Loan Debt
Personal Responsibility: THE DEBT POOL
 AVOIDING STUDENT LOAN DEBT
 STUDENTS ARE DROWNING IN DEBT: HOW BAD IS IT?
 STUDENT LOAN
 TOTALS TOP
 1.3 MILLION
 Students graduated
 with debt in 2012
 20S20 $20 $20S20$20
 LINBLLI
 $20 $20 $20
 BILL
 EILLE
 1.1 MILLION
 Students graduated
 with debt in 2008
 IBILL
 BILLICH
 20 $20
 LLINBLLI
 EILLE
 $20 S20 20
 $20
 $20
 IBILL
 EILLICH
 0.9 MILLION
 Students graduated
 with debt in 2004
 S20 S20 $20 $20 S20 20 S20 S20 S20 $20
 BILL
 EILLE
 40 MILLION
 7 MILLION
 cumulative number of students currently in debt
 of the 40 million have defaulted

 THOUSAND
 OTHOUSAND THOUSAND
 THOUSAND
 THOUSAND
 THOUSAND
 THOUSAND THOUSAND
 DTHOUSAND
 DTHOUSAND THOUSAND
 THOUSAND
 HOUSANDTHOUSAND
 Average student loan debt in 2014
 66% of graduates from public colleges had student loans
 75% of graduates from private nonprofit colleges had student loans
 88% of graduates from for-profit colleges had student loans
 AVOID DEBT ALTOGETHER
 EARN MONEY WHILE IN COLLEGE
 Grants and scholarships
 Work grants
 Start a business, i.e. website developer
 Tutor others
 Crowd fund your education
 Go to night school, work during day
 Sell some of your future earnings
 SAVINGS
 Summer jobs
 Birthday money, gifts
 Parents paying for it
 TIPS FOR KEEPING DEBT UNDER CONTROL
 01
 Keep Track of balance
 and repayment status
 Saving Grace Period:
 How long you can wait
 before first payment
 Stay in Touch: Ignoring
 lender bills lead to
 default
 Don't Panic: You can
 temporarily postpone
 your federal loan
 payments
 Stay out of Trouble: Not
 paying can lead to
 delinquency
 Pay Off: Most expensive
 loans first
 To Consolidate or Not
 to Consolidate
 Consider your options
 Deduct your student
 loan interest at tax time
 Loan Forgiveness
 Sometimes it is an
 option
 Prepay: If you can

 WHERE POLITICAL CANDIDATES STAND ON EASING STUDENT LOAN DEBT
 DEMOCRATS
 Hillary Clinton: Government intervention to ease debt
 burden
 Bernie Sanders: Tuition free
 Martin O'Malley: College should be debt free
 Jim Webb: [no stated solution
 REPUBLICAN
 Jeb Bush: Incentivize schools to drive down costs
 Lindsey Graham: Allow students to refinance their loans.
 Increase competition. Offer loan forgiveness for teachers
 Ben Carson: Require families to rely more on personal
 responsibility, instead of student loans
 Mike Huckabee: Students can refile. Cut back on govern-
 ment involvement
 Chris Christie: Calls for reforming the system to focus
 more on low-income borrowers
 John Kasich: Increased government spending on higher
 education as governor
 George Pataki: "College is way too expensive"
 Donald Trump: Stop government profiting from student
 loans
 Ted Cruz: Against allowing students to refinance loans
 Empathizes with students in debt
 Marco Rubio: Advocates income based repayment
 Carly Fiorina: Increase competition to lower prices
 Rick Santorum: Roll back govern
 ment role in education
 CITATIONS
 http://ticas.org/content/posd/top-10-student-loan-tips-recent-graduates [for Top 10]
 http://blogs.wsj.com/numbers/congatulations-to-class-of-2014-the-most-indebted-ever-1368/
 http://ticas.org/sites/default/files/pub_files/Debt Facts and Sources.pdf
 http://www.marketwatch.com/story/where-the-presidential-candidates-stand-on-student-debt-2015-07-28
 http://www.schools.com/articles/how-to-avoid-student-loan-default
 BROUGHT TO YOU BY ONLINECOLLEGEPLAN COM
frugallivingblog:



The Debt Pool: Avoiding Student Loan Debt

frugallivingblog: The Debt Pool: Avoiding Student Loan Debt

Personal Responsibility: THE DEBT POOL AVOIDING STUDENT LOAN DEBT STUDENTS ARE DROWNING IN DEBT: HOW BAD IS IT? STUDENT LOAN TOTALS TOP 1.3 MILLION Students graduated with debt in 2012 20S20 $20 $20S20$20 LINBLLI $20 $20 $20 BILL EILLE 1.1 MILLION Students graduated with debt in 2008 IBILL BILLICH 20 $20 LLINBLLI EILLE $20 S20 20 $20 $20 IBILL EILLICH 0.9 MILLION Students graduated with debt in 2004 S20 S20 $20 $20 S20 20 S20 S20 S20 $20 BILL EILLE 40 MILLION 7 MILLION cumulative number of students currently in debt of the 40 million have defaulted THOUSAND OTHOUSAND THOUSAND THOUSAND THOUSAND THOUSAND THOUSAND THOUSAND DTHOUSAND DTHOUSAND THOUSAND THOUSAND HOUSANDTHOUSAND Average student loan debt in 2014 66% of graduates from public colleges had student loans 75% of graduates from private nonprofit colleges had student loans 88% of graduates from for-profit colleges had student loans AVOID DEBT ALTOGETHER EARN MONEY WHILE IN COLLEGE Grants and scholarships Work grants Start a business, i.e. website developer Tutor others Crowd fund your education Go to night school, work during day Sell some of your future earnings SAVINGS Summer jobs Birthday money, gifts Parents paying for it TIPS FOR KEEPING DEBT UNDER CONTROL 01 Keep Track of balance and repayment status Saving Grace Period: How long you can wait before first payment Stay in Touch: Ignoring lender bills lead to default Don't Panic: You can temporarily postpone your federal loan payments Stay out of Trouble: Not paying can lead to delinquency Pay Off: Most expensive loans first To Consolidate or Not to Consolidate Consider your options Deduct your student loan interest at tax time Loan Forgiveness Sometimes it is an option Prepay: If you can WHERE POLITICAL CANDIDATES STAND ON EASING STUDENT LOAN DEBT DEMOCRATS Hillary Clinton: Government intervention to ease debt burden Bernie Sanders: Tuition free Martin O'Malley: College should be debt free Jim Webb: [no stated solution REPUBLICAN Jeb Bush: Incentivize schools to drive down costs Lindsey Graham: Allow students to refinance their loans. Increase competition. Offer loan forgiveness for teachers Ben Carson: Require families to rely more on personal responsibility, instead of student loans Mike Huckabee: Students can refile. Cut back on govern- ment involvement Chris Christie: Calls for reforming the system to focus more on low-income borrowers John Kasich: Increased government spending on higher education as governor George Pataki: "College is way too expensive" Donald Trump: Stop government profiting from student loans Ted Cruz: Against allowing students to refinance loans Empathizes with students in debt Marco Rubio: Advocates income based repayment Carly Fiorina: Increase competition to lower prices Rick Santorum: Roll back govern ment role in education CITATIONS http://ticas.org/content/posd/top-10-student-loan-tips-recent-graduates [for Top 10] http://blogs.wsj.com/numbers/congatulations-to-class-of-2014-the-most-indebted-ever-1368/ http://ticas.org/sites/default/files/pub_files/Debt Facts and Sources.pdf http://www.marketwatch.com/story/where-the-presidential-candidates-stand-on-student-debt-2015-07-28 http://www.schools.com/articles/how-to-avoid-student-loan-default BROUGHT TO YOU BY ONLINECOLLEGEPLAN COM frugallivingblog: The Debt Pool: Avoiding Student Loan Debt
Personal Responsibility: THE DEBT POOL
 AVOIDING STUDENT LOAN DEBT
 STUDENTS ARE DROWNING IN DEBT: HOW BAD IS IT?
 STUDENT LOAN
 TOTALS TOP
 1.3 MILLION
 Students graduated
 with debt in 2012
 20S20 $20 $20S20$20
 LINBLLI
 $20 $20 $20
 BILL
 EILLE
 1.1 MILLION
 Students graduated
 with debt in 2008
 IBILL
 BILLICH
 20 $20
 LLINBLLI
 EILLE
 $20 S20 20
 $20
 $20
 IBILL
 EILLICH
 0.9 MILLION
 Students graduated
 with debt in 2004
 S20 S20 $20 $20 S20 20 S20 S20 S20 $20
 BILL
 EILLE
 40 MILLION
 7 MILLION
 cumulative number of students currently in debt
 of the 40 million have defaulted

 THOUSAND
 OTHOUSAND THOUSAND
 THOUSAND
 THOUSAND
 THOUSAND
 THOUSAND THOUSAND
 DTHOUSAND
 DTHOUSAND THOUSAND
 THOUSAND
 HOUSANDTHOUSAND
 Average student loan debt in 2014
 66% of graduates from public colleges had student loans
 75% of graduates from private nonprofit colleges had student loans
 88% of graduates from for-profit colleges had student loans
 AVOID DEBT ALTOGETHER
 EARN MONEY WHILE IN COLLEGE
 Grants and scholarships
 Work grants
 Start a business, i.e. website developer
 Tutor others
 Crowd fund your education
 Go to night school, work during day
 Sell some of your future earnings
 SAVINGS
 Summer jobs
 Birthday money, gifts
 Parents paying for it
 TIPS FOR KEEPING DEBT UNDER CONTROL
 01
 Keep Track of balance
 and repayment status
 Saving Grace Period:
 How long you can wait
 before first payment
 Stay in Touch: Ignoring
 lender bills lead to
 default
 Don't Panic: You can
 temporarily postpone
 your federal loan
 payments
 Stay out of Trouble: Not
 paying can lead to
 delinquency
 Pay Off: Most expensive
 loans first
 To Consolidate or Not
 to Consolidate
 Consider your options
 Deduct your student
 loan interest at tax time
 Loan Forgiveness
 Sometimes it is an
 option
 Prepay: If you can

 WHERE POLITICAL CANDIDATES STAND ON EASING STUDENT LOAN DEBT
 DEMOCRATS
 Hillary Clinton: Government intervention to ease debt
 burden
 Bernie Sanders: Tuition free
 Martin O'Malley: College should be debt free
 Jim Webb: [no stated solution
 REPUBLICAN
 Jeb Bush: Incentivize schools to drive down costs
 Lindsey Graham: Allow students to refinance their loans.
 Increase competition. Offer loan forgiveness for teachers
 Ben Carson: Require families to rely more on personal
 responsibility, instead of student loans
 Mike Huckabee: Students can refile. Cut back on govern-
 ment involvement
 Chris Christie: Calls for reforming the system to focus
 more on low-income borrowers
 John Kasich: Increased government spending on higher
 education as governor
 George Pataki: "College is way too expensive"
 Donald Trump: Stop government profiting from student
 loans
 Ted Cruz: Against allowing students to refinance loans
 Empathizes with students in debt
 Marco Rubio: Advocates income based repayment
 Carly Fiorina: Increase competition to lower prices
 Rick Santorum: Roll back govern
 ment role in education
 CITATIONS
 http://ticas.org/content/posd/top-10-student-loan-tips-recent-graduates [for Top 10]
 http://blogs.wsj.com/numbers/congatulations-to-class-of-2014-the-most-indebted-ever-1368/
 http://ticas.org/sites/default/files/pub_files/Debt Facts and Sources.pdf
 http://www.marketwatch.com/story/where-the-presidential-candidates-stand-on-student-debt-2015-07-28
 http://www.schools.com/articles/how-to-avoid-student-loan-default
 BROUGHT TO YOU BY ONLINECOLLEGEPLAN COM
frugallivingblog:



The Debt Pool: Avoiding Student Loan Debt

frugallivingblog: The Debt Pool: Avoiding Student Loan Debt

Personal Responsibility: THE DEBT POOL AVOIDING STUDENT LOAN DEBT STUDENTS ARE DROWNING IN DEBT: HOW BAD IS IT? STUDENT LOAN TOTALS TOP 1.3 MILLION Students graduated with debt in 2012 20S20 $20 $20S20$20 LINBLLI $20 $20 $20 BILL EILLE 1.1 MILLION Students graduated with debt in 2008 IBILL BILLICH 20 $20 LLINBLLI EILLE $20 S20 20 $20 $20 IBILL EILLICH 0.9 MILLION Students graduated with debt in 2004 S20 S20 $20 $20 S20 20 S20 S20 S20 $20 BILL EILLE 40 MILLION 7 MILLION cumulative number of students currently in debt of the 40 million have defaulted THOUSAND OTHOUSAND THOUSAND THOUSAND THOUSAND THOUSAND THOUSAND THOUSAND DTHOUSAND DTHOUSAND THOUSAND THOUSAND HOUSANDTHOUSAND Average student loan debt in 2014 66% of graduates from public colleges had student loans 75% of graduates from private nonprofit colleges had student loans 88% of graduates from for-profit colleges had student loans AVOID DEBT ALTOGETHER EARN MONEY WHILE IN COLLEGE Grants and scholarships Work grants Start a business, i.e. website developer Tutor others Crowd fund your education Go to night school, work during day Sell some of your future earnings SAVINGS Summer jobs Birthday money, gifts Parents paying for it TIPS FOR KEEPING DEBT UNDER CONTROL 01 Keep Track of balance and repayment status Saving Grace Period: How long you can wait before first payment Stay in Touch: Ignoring lender bills lead to default Don't Panic: You can temporarily postpone your federal loan payments Stay out of Trouble: Not paying can lead to delinquency Pay Off: Most expensive loans first To Consolidate or Not to Consolidate Consider your options Deduct your student loan interest at tax time Loan Forgiveness Sometimes it is an option Prepay: If you can WHERE POLITICAL CANDIDATES STAND ON EASING STUDENT LOAN DEBT DEMOCRATS Hillary Clinton: Government intervention to ease debt burden Bernie Sanders: Tuition free Martin O'Malley: College should be debt free Jim Webb: [no stated solution REPUBLICAN Jeb Bush: Incentivize schools to drive down costs Lindsey Graham: Allow students to refinance their loans. Increase competition. Offer loan forgiveness for teachers Ben Carson: Require families to rely more on personal responsibility, instead of student loans Mike Huckabee: Students can refile. Cut back on govern- ment involvement Chris Christie: Calls for reforming the system to focus more on low-income borrowers John Kasich: Increased government spending on higher education as governor George Pataki: "College is way too expensive" Donald Trump: Stop government profiting from student loans Ted Cruz: Against allowing students to refinance loans Empathizes with students in debt Marco Rubio: Advocates income based repayment Carly Fiorina: Increase competition to lower prices Rick Santorum: Roll back govern ment role in education CITATIONS http://ticas.org/content/posd/top-10-student-loan-tips-recent-graduates [for Top 10] http://blogs.wsj.com/numbers/congatulations-to-class-of-2014-the-most-indebted-ever-1368/ http://ticas.org/sites/default/files/pub_files/Debt Facts and Sources.pdf http://www.marketwatch.com/story/where-the-presidential-candidates-stand-on-student-debt-2015-07-28 http://www.schools.com/articles/how-to-avoid-student-loan-default BROUGHT TO YOU BY ONLINECOLLEGEPLAN COM frugallivingblog: The Debt Pool: Avoiding Student Loan Debt
Personal Responsibility: THE DEBT POOL
 AVOIDING STUDENT LOAN DEBT
 STUDENTS ARE DROWNING IN DEBT: HOW BAD IS IT?
 STUDENT LOAN
 TOTALS TOP
 1.3 MILLION
 Students graduated
 with debt in 2012
 20S20 $20 $20S20$20
 LINBLLI
 $20 $20 $20
 BILL
 EILLE
 1.1 MILLION
 Students graduated
 with debt in 2008
 IBILL
 BILLICH
 20 $20
 LLINBLLI
 EILLE
 $20 S20 20
 $20
 $20
 IBILL
 EILLICH
 0.9 MILLION
 Students graduated
 with debt in 2004
 S20 S20 $20 $20 S20 20 S20 S20 S20 $20
 BILL
 EILLE
 40 MILLION
 7 MILLION
 cumulative number of students currently in debt
 of the 40 million have defaulted

 THOUSAND
 OTHOUSAND THOUSAND
 THOUSAND
 THOUSAND
 THOUSAND
 THOUSAND THOUSAND
 DTHOUSAND
 DTHOUSAND THOUSAND
 THOUSAND
 HOUSANDTHOUSAND
 Average student loan debt in 2014
 66% of graduates from public colleges had student loans
 75% of graduates from private nonprofit colleges had student loans
 88% of graduates from for-profit colleges had student loans
 AVOID DEBT ALTOGETHER
 EARN MONEY WHILE IN COLLEGE
 Grants and scholarships
 Work grants
 Start a business, i.e. website developer
 Tutor others
 Crowd fund your education
 Go to night school, work during day
 Sell some of your future earnings
 SAVINGS
 Summer jobs
 Birthday money, gifts
 Parents paying for it
 TIPS FOR KEEPING DEBT UNDER CONTROL
 01
 Keep Track of balance
 and repayment status
 Saving Grace Period:
 How long you can wait
 before first payment
 Stay in Touch: Ignoring
 lender bills lead to
 default
 Don't Panic: You can
 temporarily postpone
 your federal loan
 payments
 Stay out of Trouble: Not
 paying can lead to
 delinquency
 Pay Off: Most expensive
 loans first
 To Consolidate or Not
 to Consolidate
 Consider your options
 Deduct your student
 loan interest at tax time
 Loan Forgiveness
 Sometimes it is an
 option
 Prepay: If you can

 WHERE POLITICAL CANDIDATES STAND ON EASING STUDENT LOAN DEBT
 DEMOCRATS
 Hillary Clinton: Government intervention to ease debt
 burden
 Bernie Sanders: Tuition free
 Martin O'Malley: College should be debt free
 Jim Webb: [no stated solution
 REPUBLICAN
 Jeb Bush: Incentivize schools to drive down costs
 Lindsey Graham: Allow students to refinance their loans.
 Increase competition. Offer loan forgiveness for teachers
 Ben Carson: Require families to rely more on personal
 responsibility, instead of student loans
 Mike Huckabee: Students can refile. Cut back on govern-
 ment involvement
 Chris Christie: Calls for reforming the system to focus
 more on low-income borrowers
 John Kasich: Increased government spending on higher
 education as governor
 George Pataki: "College is way too expensive"
 Donald Trump: Stop government profiting from student
 loans
 Ted Cruz: Against allowing students to refinance loans
 Empathizes with students in debt
 Marco Rubio: Advocates income based repayment
 Carly Fiorina: Increase competition to lower prices
 Rick Santorum: Roll back govern
 ment role in education
 CITATIONS
 http://ticas.org/content/posd/top-10-student-loan-tips-recent-graduates [for Top 10]
 http://blogs.wsj.com/numbers/congatulations-to-class-of-2014-the-most-indebted-ever-1368/
 http://ticas.org/sites/default/files/pub_files/Debt Facts and Sources.pdf
 http://www.marketwatch.com/story/where-the-presidential-candidates-stand-on-student-debt-2015-07-28
 http://www.schools.com/articles/how-to-avoid-student-loan-default
 BROUGHT TO YOU BY ONLINECOLLEGEPLAN COM
frugallivingblog:



The Debt Pool: Avoiding Student Loan Debt

frugallivingblog: The Debt Pool: Avoiding Student Loan Debt

Personal Responsibility: g If this was another country, we'd have to tell you that this coffee may be hot. Good thing this is Canada <p><a href="http://conservativewoman.tumblr.com/post/48828388868/docsmith23-pretty-littleladyx-accioharo" class="tumblr_blog">conservativewoman</a>:</p> <blockquote><p><a class="tumblr_blog" href="http://docsmith23.tumblr.com/post/48820024704/pretty-littleladyx-accioharo">docsmith23</a>:</p> <blockquote> <p><a class="tumblr_blog" href="http://pretty-littleladyx.tumblr.com/post/48774052334/accioharo-senoritaespana">pretty-littleladyx</a>:</p> <blockquote> <p><a class="tumblr_blog" href="http://accioharo.tumblr.com/post/48760289112/senoritaespana-irollforinitiative">accioharo</a>:</p> <blockquote> <p><a class="tumblr_blog" href="http://senoritaespana.tumblr.com/post/48648697114/irollforinitiative-favabean05">senoritaespana</a>:</p> <blockquote> <p><a class="tumblr_blog" href="http://irollforinitiative.tumblr.com/post/48593512333/favabean05-truthandglory-assbanditkirk">irollforinitiative</a>:</p> <blockquote> <p><a class="tumblr_blog" href="http://favabean05.tumblr.com/post/48593180732/truthandglory-assbanditkirk-whoa-canada">favabean05</a>:</p> <blockquote> <p><a class="tumblr_blog" href="http://truthandglory.tumblr.com/post/48545030241/assbanditkirk-whoa-canada-someone-needs-to">truthandglory</a>:</p> <blockquote> <p><a class="tumblr_blog" href="http://assbanditkirk.tumblr.com/post/48403056895/whoa-canada-someone-needs-to-turn-down-that-sass">assbanditkirk</a>:</p> <blockquote> <p>whoa canada</p> <p>someone needs to turn down that sass level</p> </blockquote> <p>Two things to know about Canada!</p> <ol><li>We are smart enough to know hot things should be hot.</li> <li>We are sorry if you don’t</li> </ol></blockquote> <p>A few things you need to know about this hot coffee case: </p> <ol><li>It wasn’t an issue of the coffee being because no fucking shit coffee is hot, but McDonald’s had <em>over</em><em> heated </em>their water to <em>250 degrees Fahrenheit. </em>That’s 121C. Not just hot, but really FUCKING hot. Your fancy Starbucks lattes are brewed to 150 degrees. </li> <li>The <em>79 year old woman</em> had this cup of 250F (121C) coffee between her legs when it spilled so 250F (121C) coffee spilled on her genitals</li> <li>She got <em>third</em><em> degree burns</em>…on her genitals. THIRD DEGREE.</li> <li>She had to have <em>skin grafts</em> to repair the damage</li> <li>When she sued McDonald’s, it wasn’t for millions of dollars, it was for $20,000 to cover hospital costs and court fees. 20-fucking-thousand.</li> <li>McDonald’s settled and changed their heating policy, but not before <em>making her sign a gag order keeping her from talking about this case</em></li> <li>So she had to live on hearing little shits like you call her stupid and money-grubbing, and other horrendous stuff because she dared ask the company in the wrong to fix what they fucked up.</li> </ol><p>I know I’ve reblogged this before tonight but so help me god, I will keep reblogging this with the proper information so everyone can maybe learn not to be an asshole. Like I said before, next person to mock this woman can have 250F (121C) water poured on their dick or lady dick and see how you like it.</p> <p>So sit the fuck down, Canada.</p> </blockquote> <p>Slow clap it out for the hot piece of sass that is my rp partner.</p> </blockquote> <p><img alt="image" src="https://78.media.tumblr.com/tumblr_lwqn0kth6A1qfhek7.gif"/></p> </blockquote> <p>Awww I love the smell of smug superiority and bullshit being owned by facts. </p> </blockquote> <p><img alt="" src="http://i33.tinypic.com/f01e1z.gif"/></p> </blockquote> <p>Now I’m one for personal responsibility. Why in the name of god would you put hot coffee between your legs in the flimsy ass cup that McDonald’s gives you. I mean really. Sure the coffee was to hot. But it was your own retarted that spilled it on yourself. Why should someone else pay because you can’t keep a hold on your own damn drink. Are we gonna sue a skating rink for getting frostbite because they keep it so damn cold in there? Where the hell is the personal responsibility in America these days?</p> </blockquote> <p>I’m with ya. Common sense dictates that. But, as was pointed out in the case above, had the temperature been what it should have been (still pretty hot), the woman’s injuries would more than likely have not been as severe as she had. A burn is one thing; third degree burn is another. <strong>Had she just gone in for a sip with this particular cup of coffee, she could have had the same injury to her tongue and mouth.</strong> Coffee should not be served at 250 degrees. So yeah, it’s completely stupid to put a hot cup of coffee between your legs…or any beverage if the container is likely to break or spill all over you. But that wasn’t the point of this specific case.</p></blockquote>
Personal Responsibility: g If this was another country, we'd have to tell you that
 this coffee may be hot. Good thing this is Canada
<p><a href="http://conservativewoman.tumblr.com/post/48828388868/docsmith23-pretty-littleladyx-accioharo" class="tumblr_blog">conservativewoman</a>:</p>

<blockquote><p><a class="tumblr_blog" href="http://docsmith23.tumblr.com/post/48820024704/pretty-littleladyx-accioharo">docsmith23</a>:</p>
<blockquote>
<p><a class="tumblr_blog" href="http://pretty-littleladyx.tumblr.com/post/48774052334/accioharo-senoritaespana">pretty-littleladyx</a>:</p>
<blockquote>
<p><a class="tumblr_blog" href="http://accioharo.tumblr.com/post/48760289112/senoritaespana-irollforinitiative">accioharo</a>:</p>
<blockquote>
<p><a class="tumblr_blog" href="http://senoritaespana.tumblr.com/post/48648697114/irollforinitiative-favabean05">senoritaespana</a>:</p>
<blockquote>
<p><a class="tumblr_blog" href="http://irollforinitiative.tumblr.com/post/48593512333/favabean05-truthandglory-assbanditkirk">irollforinitiative</a>:</p>
<blockquote>
<p><a class="tumblr_blog" href="http://favabean05.tumblr.com/post/48593180732/truthandglory-assbanditkirk-whoa-canada">favabean05</a>:</p>
<blockquote>
<p><a class="tumblr_blog" href="http://truthandglory.tumblr.com/post/48545030241/assbanditkirk-whoa-canada-someone-needs-to">truthandglory</a>:</p>
<blockquote>
<p><a class="tumblr_blog" href="http://assbanditkirk.tumblr.com/post/48403056895/whoa-canada-someone-needs-to-turn-down-that-sass">assbanditkirk</a>:</p>
<blockquote>
<p>whoa canada</p>
<p>someone needs to turn down that sass level</p>
</blockquote>
<p>Two things to know about Canada!</p>
<ol><li>We are smart enough to know hot things should be hot.</li>
<li>We are sorry if you don’t</li>
</ol></blockquote>
<p>A few things you need to know about this hot coffee case: </p>
<ol><li>It wasn’t an issue of the coffee being because no fucking shit coffee is hot, but McDonald’s had <em>over</em><em> heated </em>their water to <em>250 degrees Fahrenheit. </em>That’s 121C. Not just hot, but really FUCKING hot. Your fancy Starbucks lattes are brewed to 150 degrees. </li>
<li>The <em>79 year old woman</em> had this cup of 250F (121C) coffee between her legs when it spilled so 250F (121C) coffee spilled on her genitals</li>
<li>She got <em>third</em><em> degree burns</em>…on her genitals. THIRD DEGREE.</li>
<li>She had to have <em>skin grafts</em> to repair the damage</li>
<li>When she sued McDonald’s, it wasn’t for millions of dollars, it was for $20,000 to cover hospital costs and court fees. 20-fucking-thousand.</li>
<li>McDonald’s settled and changed their heating policy, but not before <em>making her sign a gag order keeping her from talking about this case</em></li>
<li>So she had to live on hearing little shits like you call her stupid and money-grubbing, and other horrendous stuff because she dared ask the company in the wrong to fix what they fucked up.</li>
</ol><p>I know I’ve reblogged this before tonight but so help me god, I will keep reblogging this with the proper information so everyone can maybe learn not to be an asshole. Like I said before, next person to mock this woman can have 250F (121C) water poured on their dick or lady dick and see how you like it.</p>
<p>So sit the fuck down, Canada.</p>
</blockquote>
<p>Slow clap it out for the hot piece of sass that is my rp partner.</p>
</blockquote>
<p><img alt="image" src="https://78.media.tumblr.com/tumblr_lwqn0kth6A1qfhek7.gif"/></p>
</blockquote>
<p>Awww I love the smell of smug superiority and bullshit being owned by facts. </p>
</blockquote>
<p><img alt="" src="http://i33.tinypic.com/f01e1z.gif"/></p>
</blockquote>
<p>Now I’m one for personal responsibility. Why in the name of god would you put hot coffee between your legs in the flimsy ass cup that McDonald’s gives you. I mean really. Sure the coffee was to hot. But it was your own retarted that spilled it on yourself. Why should someone else pay because you can’t keep a hold on your own damn drink. Are we gonna sue a skating rink for getting frostbite because they keep it so damn cold in there? Where the hell is the personal responsibility in America these days?</p>
</blockquote>
<p>I’m with ya. Common sense dictates that. But, as was pointed out in the case above, had the temperature been what it should have been (still pretty hot), the woman’s injuries would more than likely have not been as severe as she had. A burn is one thing; third degree burn is another. <strong>Had she just gone in for a sip with this particular cup of coffee, she could have had the same injury to her tongue and mouth.</strong> Coffee should not be served at 250 degrees. So yeah, it’s completely stupid to put a hot cup of coffee between your legs…or any beverage if the container is likely to break or spill all over you. But that wasn’t the point of this specific case.</p></blockquote>

<p><a href="http://conservativewoman.tumblr.com/post/48828388868/docsmith23-pretty-littleladyx-accioharo" class="tumblr_blog">conservativ...

Personal Responsibility: I've read history and know the KKK and Jim Crow were supported by Democrats. YOU JUST DON'T UNDERSTAND Ya b I'M I am fully aware that Planned Parenthood was founded by racist Margaret Sanger and that the black abortion rate is obscenely high CONSERVATIVE as the same Democrats who watched attacked Clarence Thomas defended Bill Clinton's sexual harrassment. I don't accept for one second the notion that I need special treatment or dependence on the state in order for me to succeed. I believe in personal responsibility and success. the second amendment and don't cherish trust those who want to lessen my right to delend myself, my family or my home I loathe those who want to tell me how to think or vote by calling me an Uncle Tonm or a sellout It's not the past that saddens me, it's Obama. <p><a class="tumblr_blog" href="http://stixandstonz.tumblr.com/post/47754264749">stixandstonz</a>:</p> <blockquote> <p><a class="tumblr_blog" href="http://proudblackconservative.tumblr.com/post/47751614776/stixandstonz-blackguywithraybans">proudblackconservative</a>:</p> <blockquote> <p><a class="tumblr_blog" href="http://stixandstonz.tumblr.com/post/47743524573">stixandstonz</a>:</p> <blockquote> <p><a class="tumblr_blog" href="http://blackguywithraybans.tumblr.com/post/47741914819/proudblackconservative-i-should-put-this-in-my">blackguywithraybans</a>:</p> <blockquote> <p><a class="tumblr_blog" href="http://proudblackconservative.tumblr.com/post/47710167854/i-should-put-this-in-my-faq">proudblackconservative</a>:</p> <blockquote> <p>I should put this in my FAQ</p> </blockquote> <p>Do conservatives forget about the Southern Strategy? Sure. Lincoln who freed the slaves was a republican, but parties change.</p> </blockquote> <p>1) Racism in America is bipartisan.</p> <p>2) If any organization is old enough, it was likely founded by one. </p> <p>3) That’s still not a reason to be a republican, and harassment implies lack of consent.</p> <p>4) No one does, but if you think that we live in a society of equality you’re delusional.</p> <p>5) So does everyone</p> <p>6) Having a gun in the home is more likely to do you harm than good.  Plus have you seen Chris Dorner? So much for fighting against tyranny.</p> <p>7) You are and you are, because the Republican Party is firmly against all policies that benefit black people and uplift them out of oppression. They’ve even been openly racist towards us.</p> <p>8) If Obama saddens you, but Rick Santorum gives you a hard-on, I don’t know what to say</p> </blockquote> <p>1) But institutionalized racism pervaded largely due the the Democrats. </p> <p>2) What’s your point? He’s just giving a reason why he doesn’t side with the organization. </p> <p>3) It sure as hell is a reason not to be a democrat. Note he said “Conservative” not “Republican”.</p> <p>4) He never said we did. And “no one does”? You must be kidding. </p> <p>5) Not even close. </p> <p>6) That is not even close to being accurate. </p> <p>7) Name one. The Democrats are the ones making it easier to wallow in the projects than get a decent job. </p> <p>8) He didn’t say a flipping thing about Rick Santorum. Your arguments are laughable Please hang up and try again. </p> </blockquote> <p>First of all, let’s get it straight that I am a liberal leaning independent.  I don’t necessarily support everything that the democratic party does, but leaning one way or another should be an ideological thing rather than a “well some democrats are hypocrites thing” especially since that is a trait shared across the board in many respects.</p> <p>Secondly, the last thing I said about Santorum was just a joke, so let’s not take that and run with it.</p> <p>Let’s not make it seem like all conservatives are just hard working, average joe’s that want to earn their living and live their lives in peace and liberals are elitist and freeloading meritless baby killers.</p> <p>In terms of number 5, the right usually frame this “dependence on government” nonsense with regards to any programs that benefit the poor.. Welfare is NOT freeloading etc.  My point about planned parenthood is that the majority of organizations are founded by racists, including and especially <em><strong>The Republican Party.</strong> </em></p> <p>We can argue about the second amendment all you like, but 2/3rds of all gun deaths are suicides.  Even still I grant that as a black man, you’re allowed to believe in some conservative values or whatever.</p> <p>I am no proponent of the idea that Democrats help black people, but let’s not pretend like the republicans are for black people.  Herman Cain says racism isn’t a problem. the general tone on the right seems to insinuate that black people are down on their luck <em>not </em>because we’re suffering from continued institutional racism, but because we’re lazy or unmovitated or freeloaders who love Obama’s entitlement society.  That is racist. Period.</p> </blockquote> <p><strong>&ldquo;Including and especially the Republican party&quot; </strong></p> <p><strong><br/></strong>No. Not especially. Not at all. Were their racists in all the parties? Sure. But it was NOT &quot;especially&rdquo; the Republicans  The vast majority of people who fought against slavery were Democrats. That is a FACT. Even most Liberals will concede that before they claim the parties switched. </p> <p>I&rsquo;d like to see a source for that stat. And people committed suicides before guns existed. You can&rsquo;t tell me that not owning a gun will magically get rid of suicidal tendencies. That&rsquo;s insane. </p> <p>I&rsquo;ve talked about the whole &ldquo;white Privilege&rdquo; stuff before. Just today, actually. In a video. If our ancestors were able to overcome EXTREME racism, then the relatively minor cases of &ldquo;<span>continued institutional racism&quot; </span>should<span> not stop anyone. </span></p>
Personal Responsibility: I've read history and know the KKK and
 Jim Crow were supported by Democrats.
 YOU JUST DON'T
 UNDERSTAND Ya b
 I'M
 I am fully aware that Planned Parenthood
 was founded by racist Margaret Sanger and
 that the black abortion rate is obscenely high
 CONSERVATIVE
 as the same Democrats who
 watched
 attacked Clarence Thomas defended
 Bill Clinton's sexual harrassment.
 I don't accept for one second the notion
 that I need special treatment or dependence
 on the state in order for me to succeed.
 I believe in personal responsibility and success.
 the second amendment and don't
 cherish
 trust those who want to lessen my right
 to delend myself, my family or my home
 I loathe those who want to tell me how to
 think or vote by calling me an Uncle Tonm
 or a sellout
 It's not the past that saddens me, it's Obama.
<p><a class="tumblr_blog" href="http://stixandstonz.tumblr.com/post/47754264749">stixandstonz</a>:</p>
<blockquote>
<p><a class="tumblr_blog" href="http://proudblackconservative.tumblr.com/post/47751614776/stixandstonz-blackguywithraybans">proudblackconservative</a>:</p>
<blockquote>
<p><a class="tumblr_blog" href="http://stixandstonz.tumblr.com/post/47743524573">stixandstonz</a>:</p>
<blockquote>
<p><a class="tumblr_blog" href="http://blackguywithraybans.tumblr.com/post/47741914819/proudblackconservative-i-should-put-this-in-my">blackguywithraybans</a>:</p>
<blockquote>
<p><a class="tumblr_blog" href="http://proudblackconservative.tumblr.com/post/47710167854/i-should-put-this-in-my-faq">proudblackconservative</a>:</p>
<blockquote>
<p>I should put this in my FAQ</p>
</blockquote>
<p>Do conservatives forget about the Southern Strategy? Sure. Lincoln who freed the slaves was a republican, but parties change.</p>
</blockquote>
<p>1) Racism in America is bipartisan.</p>
<p>2) If any organization is old enough, it was likely founded by one. </p>
<p>3) That’s still not a reason to be a republican, and harassment implies lack of consent.</p>
<p>4) No one does, but if you think that we live in a society of equality you’re delusional.</p>
<p>5) So does everyone</p>
<p>6) Having a gun in the home is more likely to do you harm than good.  Plus have you seen Chris Dorner? So much for fighting against tyranny.</p>
<p>7) You are and you are, because the Republican Party is firmly against all policies that benefit black people and uplift them out of oppression. They’ve even been openly racist towards us.</p>
<p>8) If Obama saddens you, but Rick Santorum gives you a hard-on, I don’t know what to say</p>
</blockquote>
<p>1) But institutionalized racism pervaded largely due the the Democrats. </p>
<p>2) What’s your point? He’s just giving a reason why he doesn’t side with the organization. </p>
<p>3) It sure as hell is a reason not to be a democrat. Note he said “Conservative” not “Republican”.</p>
<p>4) He never said we did. And “no one does”? You must be kidding. </p>
<p>5) Not even close. </p>
<p>6) That is not even close to being accurate. </p>
<p>7) Name one. The Democrats are the ones making it easier to wallow in the projects than get a decent job. </p>
<p>8) He didn’t say a flipping thing about Rick Santorum. Your arguments are laughable Please hang up and try again. </p>
</blockquote>
<p>First of all, let’s get it straight that I am a liberal leaning independent.  I don’t necessarily support everything that the democratic party does, but leaning one way or another should be an ideological thing rather than a “well some democrats are hypocrites thing” especially since that is a trait shared across the board in many respects.</p>
<p>Secondly, the last thing I said about Santorum was just a joke, so let’s not take that and run with it.</p>
<p>Let’s not make it seem like all conservatives are just hard working, average joe’s that want to earn their living and live their lives in peace and liberals are elitist and freeloading meritless baby killers.</p>
<p>In terms of number 5, the right usually frame this “dependence on government” nonsense with regards to any programs that benefit the poor.. Welfare is NOT freeloading etc.  My point about planned parenthood is that the majority of organizations are founded by racists, including and especially <em><strong>The Republican Party.</strong> </em></p>
<p>We can argue about the second amendment all you like, but 2/3rds of all gun deaths are suicides.  Even still I grant that as a black man, you’re allowed to believe in some conservative values or whatever.</p>
<p>I am no proponent of the idea that Democrats help black people, but let’s not pretend like the republicans are for black people.  Herman Cain says racism isn’t a problem. the general tone on the right seems to insinuate that black people are down on their luck <em>not </em>because we’re suffering from continued institutional racism, but because we’re lazy or unmovitated or freeloaders who love Obama’s entitlement society.  That is racist. Period.</p>
</blockquote>
<p><strong>&ldquo;Including and especially the Republican party&quot; </strong></p>
<p><strong><br/></strong>No. Not especially. Not at all. Were their racists in all the parties? Sure. But it was NOT &quot;especially&rdquo; the Republicans  The vast majority of people who fought against slavery were Democrats. That is a FACT. Even most Liberals will concede that before they claim the parties switched. </p>
<p>I&rsquo;d like to see a source for that stat. And people committed suicides before guns existed. You can&rsquo;t tell me that not owning a gun will magically get rid of suicidal tendencies. That&rsquo;s insane. </p>
<p>I&rsquo;ve talked about the whole &ldquo;white Privilege&rdquo; stuff before. Just today, actually. In a video. If our ancestors were able to overcome EXTREME racism, then the relatively minor cases of &ldquo;<span>continued institutional racism&quot; </span>should<span> not stop anyone. </span></p>

<p><a class="tumblr_blog" href="http://stixandstonz.tumblr.com/post/47754264749">stixandstonz</a>:</p> <blockquote> <p><a class="tumblr_b...

Personal Responsibility: I've read history and know the KKK and Jim Crow were supported by Democrats. YOU JUST DON'T UNDERSTAND Ya b I'M I am fully aware that Planned Parenthood was founded by racist Margaret Sanger and that the black abortion rate is obscenely high CONSERVATIVE as the same Democrats who watched attacked Clarence Thomas defended Bill Clinton's sexual harrassment. I don't accept for one second the notion that I need special treatment or dependence on the state in order for me to succeed. I believe in personal responsibility and success. the second amendment and don't cherish trust those who want to lessen my right to delend myself, my family or my home I loathe those who want to tell me how to think or vote by calling me an Uncle Tonm or a sellout It's not the past that saddens me, it's Obama. <p><a class="tumblr_blog" href="http://stixandstonz.tumblr.com/post/47743524573">stixandstonz</a>:</p> <blockquote> <p><a class="tumblr_blog" href="http://blackguywithraybans.tumblr.com/post/47741914819/proudblackconservative-i-should-put-this-in-my">blackguywithraybans</a>:</p> <blockquote> <p><a class="tumblr_blog" href="http://proudblackconservative.tumblr.com/post/47710167854/i-should-put-this-in-my-faq">proudblackconservative</a>:</p> <blockquote> <p>I should put this in my FAQ</p> </blockquote> <p>Do conservatives forget about the Southern Strategy? Sure. Lincoln who freed the slaves was a republican, but parties change.</p> </blockquote> <p>1) Racism in America is bipartisan.</p> <p>2) If any organization is old enough, it was likely founded by one. </p> <p>3) That’s still not a reason to be a republican, and harassment implies lack of consent.</p> <p>4) No one does, but if you think that we live in a society of equality you’re delusional.</p> <p>5) So does everyone</p> <p>6) Having a gun in the home is more likely to do you harm than good.  Plus have you seen Chris Dorner? So much for fighting against tyranny.</p> <p>7) You are and you are, because the Republican Party is firmly against all policies that benefit black people and uplift them out of oppression. They’ve even been openly racist towards us.</p> <p>8) If Obama saddens you, but Rick Santorum gives you a hard-on, I don’t know what to say</p> </blockquote> <p>1) But institutionalized racism pervaded largely due the the Democrats. </p> <p>2) What&rsquo;s your point? He&rsquo;s just giving a reason why he doesn&rsquo;t side with the organization. </p> <p>3) It sure as hell is a reason not to be a democrat. Note he said &ldquo;Conservative&rdquo; not &ldquo;Republican&rdquo;.</p> <p>4) He never said we did. And &ldquo;no one does&rdquo;? You must be kidding. </p> <p>5) Not even close. </p> <p>6) That is not even close to being accurate. </p> <p>7) Name one. The Democrats are the ones making it easier to wallow in the projects than get a decent job. </p> <p>8) He didn&rsquo;t say a flipping thing about Rick Santorum. Your arguments are laughable Please hang up and try again. </p>
Personal Responsibility: I've read history and know the KKK and
 Jim Crow were supported by Democrats.
 YOU JUST DON'T
 UNDERSTAND Ya b
 I'M
 I am fully aware that Planned Parenthood
 was founded by racist Margaret Sanger and
 that the black abortion rate is obscenely high
 CONSERVATIVE
 as the same Democrats who
 watched
 attacked Clarence Thomas defended
 Bill Clinton's sexual harrassment.
 I don't accept for one second the notion
 that I need special treatment or dependence
 on the state in order for me to succeed.
 I believe in personal responsibility and success.
 the second amendment and don't
 cherish
 trust those who want to lessen my right
 to delend myself, my family or my home
 I loathe those who want to tell me how to
 think or vote by calling me an Uncle Tonm
 or a sellout
 It's not the past that saddens me, it's Obama.
<p><a class="tumblr_blog" href="http://stixandstonz.tumblr.com/post/47743524573">stixandstonz</a>:</p>
<blockquote>
<p><a class="tumblr_blog" href="http://blackguywithraybans.tumblr.com/post/47741914819/proudblackconservative-i-should-put-this-in-my">blackguywithraybans</a>:</p>
<blockquote>
<p><a class="tumblr_blog" href="http://proudblackconservative.tumblr.com/post/47710167854/i-should-put-this-in-my-faq">proudblackconservative</a>:</p>
<blockquote>
<p>I should put this in my FAQ</p>
</blockquote>
<p>Do conservatives forget about the Southern Strategy? Sure. Lincoln who freed the slaves was a republican, but parties change.</p>
</blockquote>
<p>1) Racism in America is bipartisan.</p>
<p>2) If any organization is old enough, it was likely founded by one. </p>
<p>3) That’s still not a reason to be a republican, and harassment implies lack of consent.</p>
<p>4) No one does, but if you think that we live in a society of equality you’re delusional.</p>
<p>5) So does everyone</p>
<p>6) Having a gun in the home is more likely to do you harm than good.  Plus have you seen Chris Dorner? So much for fighting against tyranny.</p>
<p>7) You are and you are, because the Republican Party is firmly against all policies that benefit black people and uplift them out of oppression. They’ve even been openly racist towards us.</p>
<p>8) If Obama saddens you, but Rick Santorum gives you a hard-on, I don’t know what to say</p>
</blockquote>
<p>1) But institutionalized racism pervaded largely due the the Democrats. </p>
<p>2) What&rsquo;s your point? He&rsquo;s just giving a reason why he doesn&rsquo;t side with the organization. </p>
<p>3) It sure as hell is a reason not to be a democrat. Note he said &ldquo;Conservative&rdquo; not &ldquo;Republican&rdquo;.</p>
<p>4) He never said we did. And &ldquo;no one does&rdquo;? You must be kidding. </p>
<p>5) Not even close. </p>
<p>6) That is not even close to being accurate. </p>
<p>7) Name one. The Democrats are the ones making it easier to wallow in the projects than get a decent job. </p>
<p>8) He didn&rsquo;t say a flipping thing about Rick Santorum. Your arguments are laughable Please hang up and try again. </p>

<p><a class="tumblr_blog" href="http://stixandstonz.tumblr.com/post/47743524573">stixandstonz</a>:</p> <blockquote> <p><a class="tumblr_b...