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10-02-2013, 09:42 AM #91
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10-02-2013, 09:48 AM #92
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10-02-2013, 09:48 AM #93
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10-02-2013, 09:49 AM #94
Brah, you and your wife clearly put sound reasoning and logic behind you when making that decision to adopt with that kind of debt. Enough said. If she was dumb enough to not have any forward thinking when it came to her education then the consequences are children at a later age or a poverty family life. Why not adopt at 30 and work a few more years to become debt free? I suppose that would make too much sense as well.
Oh, and your lack of logic also takes over when it come sto statements like "renting is throwing your money away." Obv it can be, but you clearly know nothing about Price to Rent Ratios and Expected Value of time when dealing with housing issues. Ask all the people who bought houses from 04-08 just how well their 'housing equity' turned out. Point being, don't make blanket statements.
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10-02-2013, 10:07 AM #95
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10-02-2013, 10:08 AM #96
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10-02-2013, 10:12 AM #97
brb ausbrah
brb 530 every two weeks for being student
brb 5k tuition per year ( at world renowned med school here )
brb 4 year underdrad degree cost me 25k ( with a 7k loan for a study abroad semester)
brb 0% interest
brb if i voluntarily pay back extra, i get 20% extra of what i pay paid for by the government
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10-02-2013, 10:16 AM #98
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10-02-2013, 10:25 AM #99
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10-02-2013, 10:27 AM #100
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10-02-2013, 10:33 AM #101
- Join Date: Apr 2012
- Location: New Jersey, United States
- Age: 37
- Posts: 2,551
- Rep Power: 2765
you grew up in a different time. that 7 years makes a difference.
brb taught that you go to college or you'll work at mcdonalds
brb schools inflated employment rates
i'm happy for you that you're going into adulthood with more information. i feel blessed every day that i was able to get where i am now despite the economic situation i walked into. i have a lot of friends from law school that aren't in the same boat--those that aren't drowning, anyway.**Hoping for an Apocalypse Crew**
**DadBod Crew**
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10-02-2013, 10:42 AM #102
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10-02-2013, 01:25 PM #103
We are homeschooling.
This. We were told that you either go get a degree or you'll be poor for life. When you are young and told this for 18yrs of your life, topped with promises of good paying jobs and that you'll get all the help you need, you believe it. Unfortunately, it was a big lie my wife fell for. This is what happens when we have a system that doesn't teach money management in the real life. At 18, loans are simply an abstract idea of money until you realize you have to actually pay it back. My wife regrets her decision every day, but nothing we can do about it now. We learned from it and it's something we'll make sure our children understand."An injury to one, is an injury to all. Workers of the world, unite!"
https://www.iww.org/
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10-02-2013, 01:28 PM #104
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10-02-2013, 01:35 PM #105
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10-02-2013, 01:44 PM #106
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10-02-2013, 01:47 PM #107
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10-02-2013, 01:50 PM #108
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10-02-2013, 01:53 PM #109
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10-02-2013, 01:56 PM #110
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10-02-2013, 01:56 PM #111
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10-02-2013, 02:05 PM #112
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10-02-2013, 02:32 PM #113
Depends. We did a private adoption so we just had to wait for the mother to give birth. Anyway, we have been trying for years to conceive, even with the help of drs. We let it be known we were willing to adopt and it just so happened a woman heard about us and wanted to give her child up for adoption when he was born. Not knowing if we'd ever conceive or if an opportunity to adopt would ever arise again, we did it. There's nothing we wanted more than to be parents and when the opportunity was there, we took it. Our financial situation was looked at by social workers and the courts and was good enough to prove I could provide for a child.
"An injury to one, is an injury to all. Workers of the world, unite!"
https://www.iww.org/
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10-02-2013, 02:34 PM #114
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10-02-2013, 03:45 PM #115
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