Running Bear's Coffee Shop July 2024
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That photo would make a good back scene I reckon!
It's Mostly the interest that is in question.
Let's take a hypothetical with the program I referenced
If "Sally" were to borrow 30K to go work on a degree... and her payments came out to $200/mo on a 20 year note (4.66% interest). Base on that payment, if the Fed Govt weren't collecting interest on that amount, it would be paid off in 12 years. Not 20.
It's not as simple as "someone has to pay". It's how much of the interest is being cancelled in most cases.
It'll probably take a good 6 mos or so for that forgiveness to get approved (moving at the speed of government). And Sally would keep paying her required amount or jeopardize the foregiveness. So, in 126 mos of paying, the fed govt recovers 25,200 of the original 30K. And they reward a vet (in some cases) or steer people into professions that they deemed worthy of supporting with the program (teachers, first responders, etc).
I guess Im more pissed about it, because I paid for all my student loan debt myself. Granted the GI bill/student loan repayment helped with some of it, but that was the contract between me and the military to give a 6 year commitment, The other part of the loans I made a plan and stuck to it, and lived very lean for a few years to do it.
My wife had some student loans when we got married from getting her Masters. We formulated a plan to attack it and wipe it out as the first priority, and we did it.
I feel if we were able to accomplish this, then everyone can do it on their own. There are options out there!
Even if I had known that this would have come up, I still would have made those payments. I am one who takes responsibility. Maybe the key word in Louis's comment was "fool"!
I better stop now before this becomes political...
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Bill Tidler Jr.
Retired NS Signal Construction Gang Signalman
Good morning! It's 54° in Tipton.
traiNscale
Well-Known Member
what up coffee peeps
- monday damn...
- airport up and running (had some hickups because of weather over the weekend)
- temp. outside around 20 celcius
- now around 1pm (CEST)
- Switzerland won against Italy woohoo, England next!
i also did some work on the nscale layout. all turnouts are wiredup and running, only two acting weird. i have to find a solution soon.
picture of today (from hiking on saturday, was "only" a 14km walk but was nice):
you see that the view is not clear, thats because of some sahara sand we get from time to time.. yes in switzerland
in the middle the dark mountain is called Rigi, and the one right next to it to the right is Pilatus.
- monday damn...
- airport up and running (had some hickups because of weather over the weekend)
- temp. outside around 20 celcius
- now around 1pm (CEST)
- Switzerland won against Italy woohoo, England next!
i also did some work on the nscale layout. all turnouts are wiredup and running, only two acting weird. i have to find a solution soon.
picture of today (from hiking on saturday, was "only" a 14km walk but was nice):
you see that the view is not clear, thats because of some sahara sand we get from time to time.. yes in switzerland
in the middle the dark mountain is called Rigi, and the one right next to it to the right is Pilatus.
jmupton2000
John M Upton
what up coffee peeps
- monday damn...
- airport up and running (had some hickups because of weather over the weekend)
- temp. outside around 20 celcius
- now around 1pm (CEST)
- Switzerland won against Italy woohoo, England next!
i also did some work on the nscale layout. all turnouts are wiredup and running, only two acting weird. i have to find a solution soon.
picture of today (from hiking on saturday, was "only" a 14km walk but was nice):
View attachment 192940
you see that the view is not clear, thats because of some sahara sand we get from time to time.. yes in switzerland
in the middle the dark mountain is called Rigi, and the one right next to it to the right is Pilatus.
That photo would make a good back scene I reckon!
santafewillie
Same Ol' Buzzard
Good Morning All. Clear and 77° this morning. Nothing new in the forecast, hot and dry. Managed to go through all of June without hitting 100°, but came as close as possible including yesterday. NWS is sticking with that forecast, although we might get rain this coming Friday and Saturday. More may be possible later next week depending on Hurricane Beryl and which way it turns. The rain this weekend will come from another tropical depression that's ahead of the hurricane.
Nothing much new on the SFW estate. Wife came home with the other granddog so we now have both. No problems there as they both have been here before at the same time and they both know the routine. Get up, go out, chase the rabbit and do their business; come in, eat, lay down for a few hours and repeat a few hours later. Except the rabbit part which only happens in the morning and just before dusk. They're just not as active this time of year due to the heat. Things might change Thursday night when the fireworks go off en masse.
I did burn out my small handheld 6" battery chainsaw yesterday which makes things a little more of a hassle until I get a new one. There is one area that I can start to cut logs with the regular saw right now, which needs to be done anyway.
Thanks for the service Hughie, Joe, Shortwrench and Mike.
I just haven't seemed to be able to get motivated out in the train shed for a couple of days. Yesterday was no exception. I have been getting some minor stuff done, but other than running trains, I did nothing else yesterday. Of course, that's what it's there for in the first place, operating trains.
Maybe a few archive pictures to get me motivated again.
Louis - I respectfully disagree with you on student loans except in certain circumstances. People need to take responsibility.
Todd - Glad that it worked out for you.
Mike - Bins look good.
Another hot day with no wind today. But I'll still do some tree debris cleanup.
Everyone have a great day. Stay safe.
Nothing much new on the SFW estate. Wife came home with the other granddog so we now have both. No problems there as they both have been here before at the same time and they both know the routine. Get up, go out, chase the rabbit and do their business; come in, eat, lay down for a few hours and repeat a few hours later. Except the rabbit part which only happens in the morning and just before dusk. They're just not as active this time of year due to the heat. Things might change Thursday night when the fireworks go off en masse.
I did burn out my small handheld 6" battery chainsaw yesterday which makes things a little more of a hassle until I get a new one. There is one area that I can start to cut logs with the regular saw right now, which needs to be done anyway.
Thanks for the service Hughie, Joe, Shortwrench and Mike.
I just haven't seemed to be able to get motivated out in the train shed for a couple of days. Yesterday was no exception. I have been getting some minor stuff done, but other than running trains, I did nothing else yesterday. Of course, that's what it's there for in the first place, operating trains.
Maybe a few archive pictures to get me motivated again.
Louis - I respectfully disagree with you on student loans except in certain circumstances. People need to take responsibility.
Todd - Glad that it worked out for you.
Mike - Bins look good.
Another hot day with no wind today. But I'll still do some tree debris cleanup.
Everyone have a great day. Stay safe.
migalyto
Well-Known Member
Good morning everyone!
Welcome to July already, wow! This year is starting to fly by.
Not much going on here in Northern Illinois. Going to be another pleasant day with temps in the 70s. Usual Monday stuff going on. Second load of clothes have been started and the dog has a grooming appointment at 9:30.
On the layout front, I finally got around to putting down the final pieces of foam to finish up the last section of mainline. Cant wait to be able to run a train around the entire layout, and get out some of the locomotives and rolling stock that has been sitting on shelves for years.
Have a great day all!
Welcome to July already, wow! This year is starting to fly by.
Not much going on here in Northern Illinois. Going to be another pleasant day with temps in the 70s. Usual Monday stuff going on. Second load of clothes have been started and the dog has a grooming appointment at 9:30.
On the layout front, I finally got around to putting down the final pieces of foam to finish up the last section of mainline. Cant wait to be able to run a train around the entire layout, and get out some of the locomotives and rolling stock that has been sitting on shelves for years.
Have a great day all!
TLOC
Well-Known Member
I actually went looking Sunday night for the Swiss vs Italy score. Congratswhat up coffee peeps
- monday damn...
- airport up and running (had some hickups because of weather over the weekend)
- temp. outside around 20 celcius
- now around 1pm (CEST)
- Switzerland won against Italy woohoo, England next!
i also did some work on the nscale layout. all turnouts are wiredup and running, only two acting weird. i have to find a solution soon.
picture of today (from hiking on saturday, was "only" a 14km walk but was nice):
View attachment 192940
you see that the view is not clear, thats because of some sahara sand we get from time to time.. yes in switzerland
in the middle the dark mountain is called Rigi, and the one right next to it to the right is Pilatus.
NorthBrit
Well-Known Member
Good afternoon all. A day of non-stop drizzle rain.
Still catching up on household jobs plus adding a few more to the list.
Newsflash X-Ray Results.
X-ray results from two month ago have arrived.
Some of you may remember I was told, 'If I do not hear anything, then all is well.'
All is not well. Todays letter says I have to have 'an exploratory operation'. A few days of hospital food.
When? To be arranged.
Meanwhile: Flo, A large Scotch no ice please.
Off to collect granddaughter from school in half hour.
Still catching up on household jobs plus adding a few more to the list.
Newsflash X-Ray Results.
X-ray results from two month ago have arrived.
Some of you may remember I was told, 'If I do not hear anything, then all is well.'
All is not well. Todays letter says I have to have 'an exploratory operation'. A few days of hospital food.
When? To be arranged.
Meanwhile: Flo, A large Scotch no ice please.
Off to collect granddaughter from school in half hour.
TLOC
Well-Known Member
Good morning to those who just realized it’s July (me)! It’s vacuum the house day (Mondays and Fridays) and grocery day. Shopping today for every $60 spent at HyVee I will get $.30 in gas rewards and unlike Willie’s Kroger deal there is no $ amount maximum but the limit is 20 gallons of gas and it’s good for 90 days. I have often in the past had more in gas rewards than the $ amount per gallon. I know it’s not free but it still feels good. Dr Pepper products are on sale at 2 grocery store till Thursday. One store is 4 packs of 6-12oz bottles for $12 and store is $11.99. That shows you how exciting my day is going to be!!! Looking at my list I’ll be spending about $120 and next I will search for items that earn individual gas rewards on each specific item. Has to be on my list though!
I was ready to retail therapy shop Saturday and Sunday but for some reason I just didn’t pull the trigger! So, I want to stop at my really local hobby shop today and see if they have what I want. It doesn’t pay to drive to either Hiawatha ((72 miles or Lombard at 112 miles) as what I buy will put me above the free shipping price I need to hit. Gas is $3.29 per gallon and at 40 mpg it’s not worth my time or gas expense. I want 2-gp40-2 L or W diesels preferring the W. But they must be the LED version with front ditchlights. I will add the rear ditchlights as they are easier for me than adding the front. I would take the W’s from Atlas even though they will have ESU decoders when I prefer Soundtraxx. I will not be waiting for the newest units coming this Fall from Genesis and Atlas. I don’t enjoy pre-orders and I can’t remember Genesis or Atlas being on time.
I also have ordered pick up for my golf sticks and bag for today. When I’m at my sister’s in Pasadena starting on the 6th I have been invited to play 2 courses. I also will stop at The Original Whistle Stop. There is a shop in Burbank I plan to visit but forget the name right now. One of my regular and best weathering clients lives in Venice, Ca and has offered to buy lunch so my time in California will be busy!
The vacuum beckons…
I was ready to retail therapy shop Saturday and Sunday but for some reason I just didn’t pull the trigger! So, I want to stop at my really local hobby shop today and see if they have what I want. It doesn’t pay to drive to either Hiawatha ((72 miles or Lombard at 112 miles) as what I buy will put me above the free shipping price I need to hit. Gas is $3.29 per gallon and at 40 mpg it’s not worth my time or gas expense. I want 2-gp40-2 L or W diesels preferring the W. But they must be the LED version with front ditchlights. I will add the rear ditchlights as they are easier for me than adding the front. I would take the W’s from Atlas even though they will have ESU decoders when I prefer Soundtraxx. I will not be waiting for the newest units coming this Fall from Genesis and Atlas. I don’t enjoy pre-orders and I can’t remember Genesis or Atlas being on time.
I also have ordered pick up for my golf sticks and bag for today. When I’m at my sister’s in Pasadena starting on the 6th I have been invited to play 2 courses. I also will stop at The Original Whistle Stop. There is a shop in Burbank I plan to visit but forget the name right now. One of my regular and best weathering clients lives in Venice, Ca and has offered to buy lunch so my time in California will be busy!
The vacuum beckons…
D&J RailRoad
Professor of HO
Still in Verde Valley, AZ this morning. Rain was actually falling this morning so I could do my morning walk/jog.
Not sure if I'll get over to the Wyoming Division room today. May go sit on a mountain top with my niece, sister and BIL.
If I go to the WDHS, I'll run the Centenial and shoot some video of it taking Sherman Hill
.
Not sure if I'll get over to the Wyoming Division room today. May go sit on a mountain top with my niece, sister and BIL.
If I go to the WDHS, I'll run the Centenial and shoot some video of it taking Sherman Hill
.
kbkchooch
"retired" conductor
Last month, Bruette wrote,
"Bingo! That is why I'm not opposed to student loan debt forgiveness. Imagine that; congress and banks conspiring to steal from trusting fools."
It's a nice idea, but wholly unfair because SOMEBODY has to pay. That means US. Wife is still paying student loans for the daughter, 2 of the boys went to college and have handled their own debt, the youngest has a scholarship and is working along with going to college. Debt forgiveness for college would have to be shouldered by everyone through taxation. Doesn't seem fair to those who put themselves through college or took up a trade and has never had college debt. Seems a bit socialist to me.
YMMV
"Bingo! That is why I'm not opposed to student loan debt forgiveness. Imagine that; congress and banks conspiring to steal from trusting fools."
It's a nice idea, but wholly unfair because SOMEBODY has to pay. That means US. Wife is still paying student loans for the daughter, 2 of the boys went to college and have handled their own debt, the youngest has a scholarship and is working along with going to college. Debt forgiveness for college would have to be shouldered by everyone through taxation. Doesn't seem fair to those who put themselves through college or took up a trade and has never had college debt. Seems a bit socialist to me.
YMMV
Patrick
What, me worry?
Morning all,
83° and going for a high of 96° later . Heat index to 105°.
I'll have to look back at the end of the June, but think there are cases for Loan debt forgiveness, but not blanket forgiveness. I only borrowed what I needed and actually kind of sorta use my degree. Mine have been paid back a long time ago.
83° and going for a high of 96° later . Heat index to 105°.
I'll have to look back at the end of the June, but think there are cases for Loan debt forgiveness, but not blanket forgiveness. I only borrowed what I needed and actually kind of sorta use my degree. Mine have been paid back a long time ago.
troyphoto
Snarky Old Fart (in training)
Actually, in most of the cases, the borrower has already paid back most if not all of the money they borrowed from the fed govt.
It's Mostly the interest that is in question.
Let's take a hypothetical with the program I referenced
If "Sally" were to borrow 30K to go work on a degree... and her payments came out to $200/mo on a 20 year note (4.66% interest). Base on that payment, if the Fed Govt weren't collecting interest on that amount, it would be paid off in 12 years. Not 20.
It's not as simple as "someone has to pay". It's how much of the interest is being cancelled in most cases.
It'll probably take a good 6 mos or so for that forgiveness to get approved (moving at the speed of government). And Sally would keep paying her required amount or jeopardize the foregiveness. So, in 126 mos of paying, the fed govt recovers 25,200 of the original 30K. And they reward a vet (in some cases) or steer people into professions that they deemed worthy of supporting with the program (teachers, first responders, etc).
migalyto
Well-Known Member
It might be a good idea in some instances, but I don't trust the government to come up with the "right circumstances".
I guess Im more pissed about it, because I paid for all my student loan debt myself. Granted the GI bill/student loan repayment helped with some of it, but that was the contract between me and the military to give a 6 year commitment, The other part of the loans I made a plan and stuck to it, and lived very lean for a few years to do it.
My wife had some student loans when we got married from getting her Masters. We formulated a plan to attack it and wipe it out as the first priority, and we did it.
I feel if we were able to accomplish this, then everyone can do it on their own. There are options out there!
Texas Hobo
Well Known Hobo
Good morning all and a happy July to you. Wow, the year is half over. Another hot and humid day on tap, and we are keeping a weather eye on the storms in the Caribbean.
Thank you for the thanks for service. To be honest, it was the best job I ever had. I enjoyed every minute of it, well except boot camp. Once I got to my first duty station, I found it to be just like going to work. In the 4 yrs. of active duty, I only had to wear dress "blues" twice. Most days you came in in "civies", put on jeans and chambray shirt and went to work. In that 4 yr. period I participated in 378 SAR (Search & Rescue) events. In the fourth year I was the one making the decisions, as I was the coxswain of the rescue boat.
My boat.
STAY SAFE
LATER
Thank you for the thanks for service. To be honest, it was the best job I ever had. I enjoyed every minute of it, well except boot camp. Once I got to my first duty station, I found it to be just like going to work. In the 4 yrs. of active duty, I only had to wear dress "blues" twice. Most days you came in in "civies", put on jeans and chambray shirt and went to work. In that 4 yr. period I participated in 378 SAR (Search & Rescue) events. In the fourth year I was the one making the decisions, as I was the coxswain of the rescue boat.
My boat.
STAY SAFE
LATER
santafewillie
Same Ol' Buzzard
I'm pretty pissed about the whole concept, including the idea of forgiving the interest once the loan is paid off. I paid in full for all three of my kids to go to college, including one with a Master's degree. It wasn't easy although they all had some scholarship money. Now I am being asked/told that I need to pay off someone else's loan. BS!
Even if I had known that this would have come up, I still would have made those payments. I am one who takes responsibility. Maybe the key word in Louis's comment was "fool"!
I better stop now before this becomes political...
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