operant conditioning

Re: operant conditioning



Kali wrote:
>
> In <46A8BDB7.7976E0C@hotmail,com >, Hoofprints
> equsphotogphr@hotmail,com said:
> :
> :
> : Kali wrote:
> : >
> : > In <46A7667D.218B1D01@hotmail,com >, Hoofprints
> : > equsphotogphr@hotmail,com said:
> : > :
> : > :
> : > : Honorable Professeur Von TwoSteps OA wrote:
> : > : >
> : > : > From : Hoofprints <equsphotogphr@hotmail,com >
> : > : > Message-ID : <46A4ED4F.DA739CFE@hotmail,com >
> : > : >
> : > : >
> : > : > >Who ever was complaining about kimcunt telephoning their home, that is
> : > : > >nothing, they were also calling here asking for Two Steps when he lived
> : > : > >here
> : > : >
> : > : > I hope my spirit didn't leave *there* without paying the rent.
> : > :
> : > : Your spirit left here without paying the rent..and food, and whatever
> : > : else was on the bill you are ignoring.
> : > : Damages were not included in the bill. Like ripped off shelves that
> : > : left holes etc. [you left in a tizzy and a hurry and also drunk].
> : >
> : > What do you expect from a gay bohemian?
> :
> : You really are not that bright yaknow.
> : If he came back here he would be in handcuffs tied to the pool table
> : legs. I will throw a mattress on the floor and kick his bowl over to
> : him periodically.
>
> Kinky!

just your style eh!!
I don't have any handcuffs, but I think I know where to order the old
leather belts and cuffs.
I still have my cuff key from Sonoma on my work key holder.
No whistle though, I turned that back in down at Fairview.

>
> : I would tie him to the sink in the bathroom, but he knows how to get out
>
> Oh, you tried that already?

Howz about you pay the money he owes me, at a rate of 10% per day
interest.
You are the one who kept nominating both of us for AUK award after AUK
award, and then declared both of us 'DEAD'!!
Couldn't stand him living here could you?

>
> Kali
> --
> "If we knew what it was we were doing, it would not be called
> research, would it?"
> - Albert Einstein

Re: operant conditioning



Hoofprints wrote:
>
> Kali wrote:
> >
> > In <46A8BDB7.7976E0C@hotmail,com >, Hoofprints
> > equsphotogphr@hotmail,com said:
> > :
> > :
> > : Kali wrote:
> > : >
> > : > In <46A7667D.218B1D01@hotmail,com >, Hoofprints
> > : > equsphotogphr@hotmail,com said:
> > : > :
> > : > :
> > : > : Honorable Professeur Von TwoSteps OA wrote:
> > : > : >
> > : > : > From : Hoofprints <equsphotogphr@hotmail,com >
> > : > : > Message-ID : <46A4ED4F.DA739CFE@hotmail,com >
> > : > : >
> > : > : >
> > : > : > >Who ever was complaining about kimcunt telephoning their home, that is
> > : > : > >nothing, they were also calling here asking for Two Steps when he lived
> > : > : > >here
> > : > : >
> > : > : > I hope my spirit didn't leave *there* without paying the rent.
> > : > :
> > : > : Your spirit left here without paying the rent..and food, and whatever
> > : > : else was on the bill you are ignoring.
> > : > : Damages were not included in the bill. Like ripped off shelves that
> > : > : left holes etc. [you left in a tizzy and a hurry and also drunk].
> > : >
> > : > What do you expect from a gay bohemian?
> > :
> > : You really are not that bright yaknow.
> > : If he came back here he would be in handcuffs tied to the pool table
> > : legs. I will throw a mattress on the floor and kick his bowl over to
> > : him periodically.
> >
> > Kinky!
>
> just your style eh!!
> I don't have any handcuffs, but I think I know where to order the old
> leather belts and cuffs.
> I still have my cuff key from Sonoma on my work key holder.
> No whistle though, I turned that back in down at Fairview.
>
> >
> > : I would tie him to the sink in the bathroom, but he knows how to get out
> >
> > Oh, you tried that already?
>
> Howz about you pay the money he owes me, at a rate of 10% per day
> interest.
> You are the one who kept nominating both of us for AUK award after AUK
> award, and then declared both of us 'DEAD'!!
> Couldn't stand him living here could you?

In fact kali, you are the one who Erebus declared to be using your
psychology classes against people on the internet back in the late 90's.
You do know how to 'play' into that 'histrionic PD' pattern that his
family and friends exhibit, don't you??
Why don't you begin a 'paranoid' delusional mindset now!! Howz the Bird
Flu paranoia histrionic crap going?

>
> >
> > Kali
> > --
> > "If we knew what it was we were doing, it would not be called
> > research, would it?"
> > - Albert Einstein

Re: operant conditioning

In <46A8E0FD.47572895@hotmail,com >, Hoofprints
equsphotogphr@hotmail,com said:
:
:
: Hoofprints wrote:
: >
: > Kali wrote:
: > >
: > > In <46A8BDB7.7976E0C@hotmail,com >, Hoofprints
: > > equsphotogphr@hotmail,com said:
: > > :
: > > :
: > > : Kali wrote:
: > > : >
: > > : > In <46A7667D.218B1D01@hotmail,com >, Hoofprints
: > > : > equsphotogphr@hotmail,com said:
: > > : > :
: > > : > :
: > > : > : Honorable Professeur Von TwoSteps OA wrote:
: > > : > : >
: > > : > : > From : Hoofprints <equsphotogphr@hotmail,com >
: > > : > : > Message-ID : <46A4ED4F.DA739CFE@hotmail,com >
: > > : > : >
: > > : > : >
: > > : > : > >Who ever was complaining about kimcunt telephoning their home, that is
: > > : > : > >nothing, they were also calling here asking for Two Steps when he lived
: > > : > : > >here
: > > : > : >
: > > : > : > I hope my spirit didn't leave *there* without paying the rent.
: > > : > :
: > > : > : Your spirit left here without paying the rent..and food, and whatever
: > > : > : else was on the bill you are ignoring.
: > > : > : Damages were not included in the bill. Like ripped off shelves that
: > > : > : left holes etc. [you left in a tizzy and a hurry and also drunk].
: > > : >
: > > : > What do you expect from a gay bohemian?
: > > :
: > > : You really are not that bright yaknow.
: > > : If he came back here he would be in handcuffs tied to the pool table
: > > : legs. I will throw a mattress on the floor and kick his bowl over to
: > > : him periodically.
: > >
: > > Kinky!
: >
: > just your style eh!!
: > I don't have any handcuffs, but I think I know where to order the old
: > leather belts and cuffs.
: > I still have my cuff key from Sonoma on my work key holder.
: > No whistle though, I turned that back in down at Fairview.
: >
: > >
: > > : I would tie him to the sink in the bathroom, but he knows how to get out
: > >
: > > Oh, you tried that already?
: >
: > Howz about you pay the money he owes me, at a rate of 10% per day
: > interest.
: > You are the one who kept nominating both of us for AUK award after AUK
: > award, and then declared both of us 'DEAD'!!
: > Couldn't stand him living here could you?
:
: In fact kali, you are the one who Erebus declared to be using your
: psychology classes against people on the internet back in the late 90's.

Erebus was a nutcase. Like you and Linda.

: You do know how to 'play' into that 'histrionic PD' pattern that his
: family and friends exhibit, don't you??
: Why don't you begin a 'paranoid' delusional mindset now!! Howz the Bird
: Flu paranoia histrionic crap going?

Wha?

nvm.

Kali
--
"If we knew what it was we were doing, it would not be called
research, would it?"
- Albert Einstein

Re: operant conditioning



Hoofprints wrote:
>
> Kali wrote:
> >
> > In <46A8BDB7.7976E0C@hotmail,com >, Hoofprints
> > equsphotogphr@hotmail,com said:
> > :
> > :
> > : Kali wrote:
> > : >
> > : > In <46A7667D.218B1D01@hotmail,com >, Hoofprints
> > : > equsphotogphr@hotmail,com said:
> > : > :
> > : > :
> > : > : Honorable Professeur Von TwoSteps OA wrote:
> > : > : >
> > : > : > From : Hoofprints <equsphotogphr@hotmail,com >
> > : > : > Message-ID : <46A4ED4F.DA739CFE@hotmail,com >
> > : > : >
> > : > : >
> > : > : > >Who ever was complaining about kimcunt telephoning their home, that is
> > : > : > >nothing, they were also calling here asking for Two Steps when he lived
> > : > : > >here
> > : > : >
> > : > : > I hope my spirit didn't leave *there* without paying the rent.
> > : > :
> > : > : Your spirit left here without paying the rent..and food, and whatever
> > : > : else was on the bill you are ignoring.
> > : > : Damages were not included in the bill. Like ripped off shelves that
> > : > : left holes etc. [you left in a tizzy and a hurry and also drunk].
> > : >
> > : > What do you expect from a gay bohemian?
> > :
> > : You really are not that bright yaknow.
> > : If he came back here he would be in handcuffs tied to the pool table
> > : legs. I will throw a mattress on the floor and kick his bowl over to
> > : him periodically.
> >
> > Kinky!
>
> just your style eh!!
> I don't have any handcuffs, but I think I know where to order the old
> leather belts and cuffs.
> I still have my cuff key from Sonoma on my work key holder.
> No whistle though, I turned that back in down at Fairview.
>
> >
> > : I would tie him to the sink in the bathroom, but he knows how to get out
> >
> > Oh, you tried that already?
>
> Howz about you pay the money he owes me, at a rate of 10% per day
> interest.
> You are the one who kept nominating both of us for AUK award after AUK
> award, and then declared both of us 'DEAD'!!
> Couldn't stand him living here could you?

Hey kali,
Why don't you go and apply for a loan, I am certain you can find a
smaller interest rate on what you owe me. that way you actually save
money even if it is a few percentage points under the 10% I want from
you.
I don't mind losing the interest on $12,000.00, just want to get my
house finished as was my original plan before you moved in and took over
my home with your friends phone calls, your nominations, your false
accusations about me.
MS DDNoS Squawk.
>
> >
> > Kali
> > --
> > "If we knew what it was we were doing, it would not be called
> > research, would it?"
> > - Albert Einstein

Re: operant conditioning


"Hoofprints" <equsphotogphr@hotmail,com > wrote in message

> Hey kali,
> Why don't you go and apply for a loan, I am certain you can find a
> smaller interest rate on what you owe me.

She can't get a loan while she's in bankruptcy. She's Bogus!

HJ

Re: operant conditioning



John \"C\" wrote:
>
> "Hoofprints" <equsphotogphr@hotmail,com > wrote in message
>
> > Hey kali,
> > Why don't you go and apply for a loan, I am certain you can find a
> > smaller interest rate on what you owe me.
>
> She can't get a loan while she's in bankruptcy. She's Bogus!
>
> HJ

She's in Bankruptcy?!?
She has been bogus from the start.
She can't file bankruptcy against her student loans, IIRC.
She will be able to file for the loan after Bankruptcy Ct. Declares her
Bankrupt.
From what I understand, once you file you can't file for another 14
years, so she should be able to get a loan that way.
I never knew that until a few of my friends over the years filed, and
then were offered Credit Cards up the ying yang by the banks.

Wouldn't want her to accept responsibility. It just won't do. [sic]

Re: operant conditioning



Hoofprints wrote:
>
> John \"C\" wrote:
> >
> > "Hoofprints" <equsphotogphr@hotmail,com > wrote in message
> >
> > > Hey kali,
> > > Why don't you go and apply for a loan, I am certain you can find a
> > > smaller interest rate on what you owe me.
> >
> > She can't get a loan while she's in bankruptcy. She's Bogus!
> >
> > HJ
>
> She's in Bankruptcy?!?
> She has been bogus from the start.
> She can't file bankruptcy against her student loans, IIRC.
> She will be able to file for the loan after Bankruptcy Ct. Declares her
> Bankrupt.
> From what I understand, once you file you can't file for another 14
> years, so she should be able to get a loan that way.
> I never knew that until a few of my friends over the years filed, and
> then were offered Credit Cards up the ying yang by the banks.
>
> Wouldn't want her to accept responsibility. It just won't do. [sic]

PS: On the squatting speak, that was a major venue of someone, [pinki AP
CRH] One of the friends who filed bankruptcy tried to hold onto their
house and property using what they thought was squat law, it didn't work
and they ended up at Agnews.

Re: operant conditioning


"Hoofprints" <equsphotogphr@hotmail,com > wrote in message
news:46A9214F.B44E08DC@hotmail,com ...
>
>
> John \"C\" wrote:
> >
> > "Hoofprints" <equsphotogphr@hotmail,com > wrote in message
> >
> > > Hey kali,
> > > Why don't you go and apply for a loan, I am certain you can find a
> > > smaller interest rate on what you owe me.
> >
> > She can't get a loan while she's in bankruptcy. She's Bogus!
> >
> > HJ
>
> She's in Bankruptcy?!?
> She has been bogus from the start.
> She can't file bankruptcy against her student loans, IIRC.
> She will be able to file for the loan after Bankruptcy Ct. Declares her
> Bankrupt.
> From what I understand, once you file you can't file for another 14
> years, so she should be able to get a loan that way.


One can declare bankruptcy twice in a seven year period. One chapter 13 and
one chapter 7.

Do that and see if you can find anyone that will give you a loan.

HJ

Re: operant conditioning



John \"C\" wrote:
>
> "Hoofprints" <equsphotogphr@hotmail,com > wrote in message
> news:46A9214F.B44E08DC@hotmail,com ...
> >
> >
> > John \"C\" wrote:
> > >
> > > "Hoofprints" <equsphotogphr@hotmail,com > wrote in message
> > >
> > > > Hey kali,
> > > > Why don't you go and apply for a loan, I am certain you can find a
> > > > smaller interest rate on what you owe me.
> > >
> > > She can't get a loan while she's in bankruptcy. She's Bogus!
> > >
> > > HJ
> >
> > She's in Bankruptcy?!?
> > She has been bogus from the start.
> > She can't file bankruptcy against her student loans, IIRC.
> > She will be able to file for the loan after Bankruptcy Ct. Declares her
> > Bankrupt.
> > From what I understand, once you file you can't file for another 14
> > years, so she should be able to get a loan that way.
>
> One can declare bankruptcy twice in a seven year period. One chapter 13 and
> one chapter 7.

But on Chapter 7. You still have to pay your creditors?? or is that
Chapter 11?
At any rate, isn't chapter 7 a prelude to filing chapter 13?

>
> Do that and see if you can find anyone that will give you a loan.
>
> HJ

Re: operant conditioning


"Hoofprints" <equsphotogphr@hotmail,com > wrote in message
news:46A92823.1A485701@hotmail,com ...
>
>
> John \"C\" wrote:
> >
> > "Hoofprints" <equsphotogphr@hotmail,com > wrote in message
> > news:46A9214F.B44E08DC@hotmail,com ...
> > >
> > >
> > > John \"C\" wrote:
> > > >
> > > > "Hoofprints" <equsphotogphr@hotmail,com > wrote in message
> > > >
> > > > > Hey kali,
> > > > > Why don't you go and apply for a loan, I am certain you can find a
> > > > > smaller interest rate on what you owe me.
> > > >
> > > > She can't get a loan while she's in bankruptcy. She's Bogus!
> > > >
> > > > HJ
> > >
> > > She's in Bankruptcy?!?
> > > She has been bogus from the start.
> > > She can't file bankruptcy against her student loans, IIRC.
> > > She will be able to file for the loan after Bankruptcy Ct. Declares
her
> > > Bankrupt.
> > > From what I understand, once you file you can't file for another 14
> > > years, so she should be able to get a loan that way.
> >
> > One can declare bankruptcy twice in a seven year period. One chapter 13
and
> > one chapter 7.
>
> But on Chapter 7. You still have to pay your creditors?? or is that
> Chapter 11?
> At any rate, isn't chapter 7 a prelude to filing chapter 13?

Chapter 13 is: pay secured debts back over time (home and car) and don't pay
unsecured debts (credit cards and medical bills). and if you can't pay the
schedule then you file chapter 7 which wipes all debts (except student
loans). The only way student loans can be collected is by "eating" your
income tax refunds.

HJ (been there and done that)

Re: operant conditioning



John \"C\" wrote:
>
> "Hoofprints" <equsphotogphr@hotmail,com > wrote in message
> news:46A92823.1A485701@hotmail,com ...
> >
> >
> > John \"C\" wrote:
> > >
> > > "Hoofprints" <equsphotogphr@hotmail,com > wrote in message
> > > news:46A9214F.B44E08DC@hotmail,com ...
> > > >
> > > >
> > > > John \"C\" wrote:
> > > > >
> > > > > "Hoofprints" <equsphotogphr@hotmail,com > wrote in message
> > > > >
> > > > > > Hey kali,
> > > > > > Why don't you go and apply for a loan, I am certain you can find a
> > > > > > smaller interest rate on what you owe me.
> > > > >
> > > > > She can't get a loan while she's in bankruptcy. She's Bogus!
> > > > >
> > > > > HJ
> > > >
> > > > She's in Bankruptcy?!?
> > > > She has been bogus from the start.
> > > > She can't file bankruptcy against her student loans, IIRC.
> > > > She will be able to file for the loan after Bankruptcy Ct. Declares
> her
> > > > Bankrupt.
> > > > From what I understand, once you file you can't file for another 14
> > > > years, so she should be able to get a loan that way.
> > >
> > > One can declare bankruptcy twice in a seven year period. One chapter 13
> and
> > > one chapter 7.
> >
> > But on Chapter 7. You still have to pay your creditors?? or is that
> > Chapter 11?
> > At any rate, isn't chapter 7 a prelude to filing chapter 13?
>
> Chapter 13 is: pay secured debts back over time (home and car) and don't pay
> unsecured debts (credit cards and medical bills). and if you can't pay the
> schedule then you file chapter 7 which wipes all debts (except student
> loans). The only way student loans can be collected is by "eating" your
> income tax refunds.
>
> HJ (been there and done that)

So has my daughter. She got a huge return [she has children so gets
those 'credits' and deductions] and Student loan corp took her joint
refund. Then her husband filed some grievous whatever it was because
his income was figured into their joint return, and he wanted his half.

Paid off my student loan when I took out a mortgage on my home.

Re: operant conditioning


"Hoofprints" <equsphotogphr@hotmail,com > wrote in message
news:46AA0864.91FB1426@hotmail,com ...
>
>
> John \"C\" wrote:
> >
> > "Hoofprints" <equsphotogphr@hotmail,com > wrote in message
> > news:46A92823.1A485701@hotmail,com ...
> > >
> > >
> > > John \"C\" wrote:
> > > >
> > > > "Hoofprints" <equsphotogphr@hotmail,com > wrote in message
> > > > news:46A9214F.B44E08DC@hotmail,com ...
> > > > >
> > > > >
> > > > > John \"C\" wrote:
> > > > > >
> > > > > > "Hoofprints" <equsphotogphr@hotmail,com > wrote in message
> > > > > >
> > > > > > > Hey kali,
> > > > > > > Why don't you go and apply for a loan, I am certain you can
find a
> > > > > > > smaller interest rate on what you owe me.
> > > > > >
> > > > > > She can't get a loan while she's in bankruptcy. She's Bogus!
> > > > > >
> > > > > > HJ
> > > > >
> > > > > She's in Bankruptcy?!?
> > > > > She has been bogus from the start.
> > > > > She can't file bankruptcy against her student loans, IIRC.
> > > > > She will be able to file for the loan after Bankruptcy Ct.
Declares
> > her
> > > > > Bankrupt.
> > > > > From what I understand, once you file you can't file for another
14
> > > > > years, so she should be able to get a loan that way.
> > > >
> > > > One can declare bankruptcy twice in a seven year period. One
chapter 13
> > and
> > > > one chapter 7.
> > >
> > > But on Chapter 7. You still have to pay your creditors?? or is that
> > > Chapter 11?
> > > At any rate, isn't chapter 7 a prelude to filing chapter 13?
> >
> > Chapter 13 is: pay secured debts back over time (home and car) and don't
pay
> > unsecured debts (credit cards and medical bills). and if you can't pay
the
> > schedule then you file chapter 7 which wipes all debts (except student
> > loans). The only way student loans can be collected is by "eating" your
> > income tax refunds.
> >
> > HJ (been there and done that)
>
> So has my daughter. She got a huge return [she has children so gets
> those 'credits' and deductions] and Student loan corp took her joint
> refund. Then her husband filed some grievous whatever it was because
> his income was figured into their joint return, and he wanted his half.
>
> Paid off my student loan when I took out a mortgage on my home.

Some how my wife got her student loans deferred indefinitely. It was OK
with me.

HJ

Re:SL operant conditioning



John \"C\" wrote:
>
> "Hoofprints" <equsphotogphr@hotmail,com > wrote in message
> news:46AA0864.91FB1426@hotmail,com ...
> >
> >
> > John \"C\" wrote:
> > >
> > > "Hoofprints" <equsphotogphr@hotmail,com > wrote in message
> > > news:46A92823.1A485701@hotmail,com ...
> > > >
> > > >
> > > > John \"C\" wrote:
> > > > >
> > > > > "Hoofprints" <equsphotogphr@hotmail,com > wrote in message
> > > > > news:46A9214F.B44E08DC@hotmail,com ...
> > > > > >
> > > > > >
> > > > > > John \"C\" wrote:
> > > > > > >
> > > > > > > "Hoofprints" <equsphotogphr@hotmail,com > wrote in message
> > > > > > >
> > > > > > > > Hey kali,
> > > > > > > > Why don't you go and apply for a loan, I am certain you can
> find a
> > > > > > > > smaller interest rate on what you owe me.
> > > > > > >
> > > > > > > She can't get a loan while she's in bankruptcy. She's Bogus!
> > > > > > >
> > > > > > > HJ
> > > > > >
> > > > > > She's in Bankruptcy?!?
> > > > > > She has been bogus from the start.
> > > > > > She can't file bankruptcy against her student loans, IIRC.
> > > > > > She will be able to file for the loan after Bankruptcy Ct.
> Declares
> > > her
> > > > > > Bankrupt.
> > > > > > From what I understand, once you file you can't file for another
> 14
> > > > > > years, so she should be able to get a loan that way.
> > > > >
> > > > > One can declare bankruptcy twice in a seven year period. One
> chapter 13
> > > and
> > > > > one chapter 7.
> > > >
> > > > But on Chapter 7. You still have to pay your creditors?? or is that
> > > > Chapter 11?
> > > > At any rate, isn't chapter 7 a prelude to filing chapter 13?
> > >
> > > Chapter 13 is: pay secured debts back over time (home and car) and don't
> pay
> > > unsecured debts (credit cards and medical bills). and if you can't pay
> the
> > > schedule then you file chapter 7 which wipes all debts (except student
> > > loans). The only way student loans can be collected is by "eating" your
> > > income tax refunds.
> > >
> > > HJ (been there and done that)
> >
> > So has my daughter. She got a huge return [she has children so gets
> > those 'credits' and deductions] and Student loan corp took her joint
> > refund. Then her husband filed some grievous whatever it was because
> > his income was figured into their joint return, and he wanted his half.
> >
> > Paid off my student loan when I took out a mortgage on my home.
>
> Some how my wife got her student loans deferred indefinitely. It was OK
> with me.
>
> HJ

There is a way to do it, I was thinking about deferring mine and did
until they decided to finally allow SL's to be deducted from your
taxes. I did go in and change my 8% rate to a fixed 4 or 5 %.
If you stay in school and carry at least 6 semester units [we are
semester system here], then you can defer it.
What I don't like is the part about if you have a BA or BS or other, you
have to pay more for community college classes.
I qualified for a CAL grant A or B back in 89 but they have changed the
rules on being able to file for that grant. You now have to be a first
year student.

Re: Re:SL operant conditioning


"Hoofprints" <equsphotogphr@hotmail,com > wrote in message
news:46AA3247.730F6D5C@hotmail,com ...
>
>
> John \"C\" wrote:
> >
> > "Hoofprints" <equsphotogphr@hotmail,com > wrote in message
> > news:46AA0864.91FB1426@hotmail,com ...
> > >
> > >
> > > John \"C\" wrote:
> > > >
> > > > "Hoofprints" <equsphotogphr@hotmail,com > wrote in message
> > > > news:46A92823.1A485701@hotmail,com ...
> > > > >
> > > > >
> > > > > John \"C\" wrote:
> > > > > >
> > > > > > "Hoofprints" <equsphotogphr@hotmail,com > wrote in message
> > > > > > news:46A9214F.B44E08DC@hotmail,com ...
> > > > > > >
> > > > > > >
> > > > > > > John \"C\" wrote:
> > > > > > > >
> > > > > > > > "Hoofprints" <equsphotogphr@hotmail,com > wrote in message
> > > > > > > >
> > > > > > > > > Hey kali,
> > > > > > > > > Why don't you go and apply for a loan, I am certain you
can
> > find a
> > > > > > > > > smaller interest rate on what you owe me.
> > > > > > > >
> > > > > > > > She can't get a loan while she's in bankruptcy. She's
Bogus!
> > > > > > > >
> > > > > > > > HJ
> > > > > > >
> > > > > > > She's in Bankruptcy?!?
> > > > > > > She has been bogus from the start.
> > > > > > > She can't file bankruptcy against her student loans, IIRC.
> > > > > > > She will be able to file for the loan after Bankruptcy Ct.
> > Declares
> > > > her
> > > > > > > Bankrupt.
> > > > > > > From what I understand, once you file you can't file for
another
> > 14
> > > > > > > years, so she should be able to get a loan that way.
> > > > > >
> > > > > > One can declare bankruptcy twice in a seven year period. One
> > chapter 13
> > > > and
> > > > > > one chapter 7.
> > > > >
> > > > > But on Chapter 7. You still have to pay your creditors?? or is
that
> > > > > Chapter 11?
> > > > > At any rate, isn't chapter 7 a prelude to filing chapter 13?
> > > >
> > > > Chapter 13 is: pay secured debts back over time (home and car) and
don't
> > pay
> > > > unsecured debts (credit cards and medical bills). and if you can't
pay
> > the
> > > > schedule then you file chapter 7 which wipes all debts (except
student
> > > > loans). The only way student loans can be collected is by "eating"
your
> > > > income tax refunds.
> > > >
> > > > HJ (been there and done that)
> > >
> > > So has my daughter. She got a huge return [she has children so gets
> > > those 'credits' and deductions] and Student loan corp took her joint
> > > refund. Then her husband filed some grievous whatever it was because
> > > his income was figured into their joint return, and he wanted his
half.
> > >
> > > Paid off my student loan when I took out a mortgage on my home.
> >
> > Some how my wife got her student loans deferred indefinitely. It was OK
> > with me.
> >
> > HJ
>
> There is a way to do it, I was thinking about deferring mine and did
> until they decided to finally allow SL's to be deducted from your
> taxes. I did go in and change my 8% rate to a fixed 4 or 5 %.
> If you stay in school and carry at least 6 semester units [we are
> semester system here], then you can defer it.
> What I don't like is the part about if you have a BA or BS or other, you
> have to pay more for community college classes.
> I qualified for a CAL grant A or B back in 89 but they have changed the
> rules on being able to file for that grant. You now have to be a first
> year student.

Sounds complicated, like a normal government "SNAFU".

Re: SL operant conditioning



John \"C\" wrote:
>
> "Hoofprints" <equsphotogphr@hotmail,com > wrote in message
> news:46AA3247.730F6D5C@hotmail,com ...
> >
> >
> > John \"C\" wrote:
> > >
> > > "Hoofprints" <equsphotogphr@hotmail,com > wrote in message
> > > news:46AA0864.91FB1426@hotmail,com ...
> > > >
> > > >
> > > > John \"C\" wrote:
> > > > >
> > > > > "Hoofprints" <equsphotogphr@hotmail,com > wrote in message
> > > > > news:46A92823.1A485701@hotmail,com ...
> > > > > >
> > > > > >
> > > > > > John \"C\" wrote:
> > > > > > >
> > > > > > > "Hoofprints" <equsphotogphr@hotmail,com > wrote in message
> > > > > > > news:46A9214F.B44E08DC@hotmail,com ...
> > > > > > > >
> > > > > > > >
> > > > > > > > John \"C\" wrote:
> > > > > > > > >
> > > > > > > > > "Hoofprints" <equsphotogphr@hotmail,com > wrote in message
> > > > > > > > >
> > > > > > > > > > Hey kali,
> > > > > > > > > > Why don't you go and apply for a loan, I am certain you
> can
> > > find a
> > > > > > > > > > smaller interest rate on what you owe me.
> > > > > > > > >
> > > > > > > > > She can't get a loan while she's in bankruptcy. She's
> Bogus!
> > > > > > > > >
> > > > > > > > > HJ
> > > > > > > >
> > > > > > > > She's in Bankruptcy?!?
> > > > > > > > She has been bogus from the start.
> > > > > > > > She can't file bankruptcy against her student loans, IIRC.
> > > > > > > > She will be able to file for the loan after Bankruptcy Ct.
> > > Declares
> > > > > her
> > > > > > > > Bankrupt.
> > > > > > > > From what I understand, once you file you can't file for
> another
> > > 14
> > > > > > > > years, so she should be able to get a loan that way.
> > > > > > >
> > > > > > > One can declare bankruptcy twice in a seven year period. One
> > > chapter 13
> > > > > and
> > > > > > > one chapter 7.
> > > > > >
> > > > > > But on Chapter 7. You still have to pay your creditors?? or is
> that
> > > > > > Chapter 11?
> > > > > > At any rate, isn't chapter 7 a prelude to filing chapter 13?
> > > > >
> > > > > Chapter 13 is: pay secured debts back over time (home and car) and
> don't
> > > pay
> > > > > unsecured debts (credit cards and medical bills). and if you can't
> pay
> > > the
> > > > > schedule then you file chapter 7 which wipes all debts (except
> student
> > > > > loans). The only way student loans can be collected is by "eating"
> your
> > > > > income tax refunds.
> > > > >
> > > > > HJ (been there and done that)
> > > >
> > > > So has my daughter. She got a huge return [she has children so gets
> > > > those 'credits' and deductions] and Student loan corp took her joint
> > > > refund. Then her husband filed some grievous whatever it was because
> > > > his income was figured into their joint return, and he wanted his
> half.
> > > >
> > > > Paid off my student loan when I took out a mortgage on my home.
> > >
> > > Some how my wife got her student loans deferred indefinitely. It was OK
> > > with me.
> > >
> > > HJ
> >
> > There is a way to do it, I was thinking about deferring mine and did
> > until they decided to finally allow SL's to be deducted from your
> > taxes. I did go in and change my 8% rate to a fixed 4 or 5 %.
> > If you stay in school and carry at least 6 semester units [we are
> > semester system here], then you can defer it.
> > What I don't like is the part about if you have a BA or BS or other, you
> > have to pay more for community college classes.
> > I qualified for a CAL grant A or B back in 89 but they have changed the
> > rules on being able to file for that grant. You now have to be a first
> > year student.
>
> Sounds complicated, like a normal government "SNAFU".

The other side of the change is that with the new gpa ratings for high
school students who are in GATE are higher then others, so if a GATE
student pulls a straight A they are actually pulling a 5.0, while those
not in GATE with straight A's are pulling a 4.0 GPA. Which means that
the grant money is given to those in GATE whose GPA is higher.
It has been awhile since I have been through the process. I took out
the student loan because the Cal Grant was no longer available to me
based on the number of semester units I had acquired.

Some of my friends don't understand why I don't just get my BA, the
reason why is because I was thinking about taking some fresh/soph
classes at Community College level. + they began a Community College
around here that includes some paralegal courses through Fresno
Community College, I was hoping that they would start those classes out
this way near my satellite school, but they haven't. + they said I have
to take math to graduate, which I consider to be cruel and inhuman
punishment as I had those courses in high school, which wasn't even the
*new* math. + while my high school algebra and geometry helped me score
high [3rd[, on my state test for hire and fire in the Dept of Mental
Hygiene [old name for dept of mental health] when it came time to doing
pharmacy, much of what I had learned wasn't an issue as most of the meds
are already divided up into doses, Some of it I used to convert mgs etc.
but not much and now with their new system even divided doses are sent
in the individual carts for each patient, so all you have to do is pass
meds and sign for them. Of course you also have to check to make sure
the pharmacy got the cart right in the first place.