Re: SL operant conditioning
"Hoofprints" <equsphotogphr@hotmail,com > wrote in message
news:46ABEE3E.809F55FD@hotmail,com ...
>
>
> John \"C\" wrote:
> >
> > "Hoofprints" <equsphotogphr@hotmail,com > wrote in message
> > news:46AB6343.574A157D@hotmail,com ...
> > >
> > >
> > > John \"C\" wrote:
> > > >
> > > > "Hoofprints" <equsphotogphr@hotmail,com > wrote in message
> > > > news:46AA4BB2.71F144A6@hotmail,com ...
> > > > >
> > > > >
> > > > > 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.
> > > >
> > > > You do know that Math can be your friend, don't you?
> > >
> > > So I have heard, but when you grew up learning the old math, and I
knew
> > > there was a better way to do those calculations even back then, but
was
> > > told no, you have to do it this way or else you will get marked down,
> > > and you come up with your own shortcut system for getting the correct
> > > answers, the new math is intimidating. So much so that I nearly
stroked
> > > out one day from the stress of trying to achieve a high mark, and the
> > > 6th graders next door can do the math, it is cruel and inhumane to
force
> > > someone to learn the new math.
> >
> > The elementary math required for graduation is not "New Math". "New
Math"
> > is Junior and Senior level courses where one has to use a page and a
half of
> > letters and symbols to prove line "a" is isomorphic to line "b".
>
> Depends on how old you are.
> I am not even planning on taking geometry again.
>
> > There seems to be a misconception about what "New Math" really is. A
math
> > major can take math thru calculus and differential equations and never
have
> > any "abstract" (New Math).
>
> My mother learned calculus in high school.
>
> >
> > I suggest that you give it another shot with a positive attitude about
> > elementary algebra and "Get-R-Done". You'll see, one day it will "snap"
and
> > all will make sense and you'll say: "Hey, there's nothing hard about
this
> > crap."
> >
> > HJ
>
> I had a very good professor here that taught algebra. I liked his style
> of teaching.
> He also teaches a class at the satellite community college nearby.
> I actually like algebra, and have found that I use it daily but in
> logic, not numbers.
>
> I just want to be able to pass the exit exam with no more high
> university fees for a class I don't really want.
> I have already satisfied the universities requirements for critical
> thinking by virtue of my major.
>
> Thanks for the advice, I will take that into consideration.
No problem.