there you go again

THERE YOU GO AGAIN
those are reagans famous words
he always would say to folks in debates

little did we know he was really forecasting the future
he could easily have been talking to congress in 2014
yep
there you go again
you aint goin to get anything done
again

lets see


keystone pipeline
can we just let our system work instead of not work
bring it to a vote
let congress pass or not pass it
let the president then veto it
then send it back to congress
if they really want it theyll overide the veto
thats the way our system is set up


healthcare
if you read this blog you know i am an advocate of
obamacare
right now i dont see another option out there
the old one didnt work well
remember i was part of that system
i saw its failures up close
yes i personally benefited from the old system
but most of you did not

so if you dont like it then present another one
maybe
leaving out all the special interest folks this time
and
excuse me house of representative quit wasting your
time overturning the healthcare law
use that time to do something else
we get the message you dont like it
then
how about an option
warning
you need to be careful jacking with this one
since there are a lot of voters out there who are
now covered that are republicans and independents
can you say presidential election 2016


student loan debt
we have imprisoned a generation of our young folks
in a mountain of debt with some of them having
little to show for it
shame on you and us for letting this happen
parents just look whos set up residence in your spare room
oh and these guys will show up in 2016 to vote


immigration
what a disgrace
warning if you like to eat fresh vegetables from the us
you had better be careful with this one
or if you want your buildings built
or if you want your yards built or maintained
or republicans you need these folks to win in the future
old white men die young you know

i hope obama does something about this
we all know at least i do a lot of folks
hard working folks that pay taxes here
and
whose kids are doing what needs to be done to be
good american citizens
many are better citizens than some of us are
these folks were some of my best and favorite patients

so i say do it obama
its been too long awaiting

theres more things that need to be done
thought they both sides were too buddy buddy
after the election
now they seem to be not as friendly

all i can say just follow the money
then you can see what will get done
or
wont get done

the organicgreen doctor

its obscene

ITS OBSCENE
thats the best word to describe the $1,000,000,000
thats 1 trillion dollars
 
it is the amount of student debt in the united states
thats guaranteed money for the folks that loan it

there may be no where else in the united states that this exists
not on your mortgage
not on your car note
not on your credit card
well thats another obscene thing

the banks or whoever loaned the money
could care less if the money is paid back
as
its all guaranteed by yes you got it
us
the us government

not like a mortgage or car loan
there is no negotiations of the interest rate or the terms of the loan
or even if you will ever pay it back
you will
it will never ever go away unless you die i guess
then theyll still get paid


so its the debt that your kids are carrying into their future
some of the debt is more than a mortgage
never it seems when you run the numbers ever to be paid off

when i attended college and medical school i sort of did the dave ramsey
method before he even was a financial guru
i went to junior college for 2 years and paid as i went
it took me 4 years to do 2 years as many of the semesters i went
part time
debt starting my junior year was $0

then i went to a four year university now remember this was
40 years ago
i received scholarships grants a few loans and i worked
when i graduated i owed $10,000
it took me 20 years to pay it off
luckily i guess i was able to defer it while i was in medical school
and training

i paid it off just in time for my youngest to start to college

then medical school i didnt have no money to start with
i survived on a brother loan and school loans
then after my first year i sold my soul to the feds
and left school with only $15,000 in debt

i paid it off 20 years later

remember these are 70s and 80s numbers
that was before the laws were against us
and
before the cost of education became so obscene

a relative will be attending a private school whose estimated
yearly cost is $26,000 a year thats $104,000 for 4 years
unless she is on the 5 year plan
which the schools seem to make it happen to a lot of the kids

no you changed majors so those courses dont count
sounds familiar huh
well make it an elective then

hopefully she wont be a school teacher
the starting salary in this area is about $35,000 year
its expensive to live here the closer you get to austin

luckily for her she has a scholarship for $64,000 of that
but do the math and she has to come up with another $40,000
now shes a smart kid thats why she got the scholarship money
and shes a hard worker also so she will work during the year
and the summers to bring that number down

lets presume she borrows money from our vulture system
thats $40,000 in loans
a ten year note at 10% since thats where it appears it will be
by the time she graduates
thats a monthly note of $533
recommended yearly salary to support that is $71,000
total interest paid is $23,669

sure doesnt look like a school teachers salary

now she is luckier than most since she has already dropped
the amount she owes by $60,000
im sure that will go higher but
using her story
im trying to make a point

you and i need to do something to fix all this
as
her generation will be debtors the rest of their lives if we dont

there is no absolutely no incentive for the colleges and universities
to bring down the cost
you are paying the tuition and fees and you and your kids are going
into a debt deep hole that you may not be able to dig out of


whos winning in all this
the banks and loaners as these are the best loans they make
the schools and universities just get bigger and more expensive

excuse me but im on a budget a tight one self imposed and you are
on a budget
im afraid their budget is open ended
that means someones paying and someones making money
and
its not you

so yes its obscene
if we dont do something
this generation is the new debtor class
unable to buy a home
unable to buy a new car
and
worse i guess they will continue to live with you
a very common occurrence
and
may not be able to get  a job that will pay things off
and
make enough to live on

now that sad isnt it
and
its our fault for letting this happen

the organicgreen doctor