the ten most overrated things in our soceity

Rogue

Master Don Juan
Joined
Jul 10, 2009
Messages
545
Reaction score
23
backbreaker:
well i have 4 years of AA and i can tell you that it's bull****. they have a 98% failure rate for a reason.
The exact numbers for AA's effectiveness are difficult to pin down due to its anonymous nature and certain factors which create inability to conduct scientific experiments, but the estimates range between 5-75%, and the estimate extremes are unlikely. AA doesn't work for many people, and I don't need it, but it can be transformative to those who stick it out. Here is the Wired magazine article  exploring scientific explanations of AA and the uncertainties in determining its efficacy:

http://m.wired.com/magazine/2010/06/ff_alcoholics_anonymous/all/1
backbreaker:
I did alot of work with chem free houses, just helping out and charing meetings. as soon as you take 80% of them out of the cem free environment, they release, and usually within days. people who had 3-6-9 months clean in AA. just taking the drug from someone does not cure them. you have to get to the root of the problem and cure the problem and the problem in most cases is that youa re ****ing programmed to buy dope/alcohol when you get money. as soon as the conditions are reset and the reward to using is higher than the risk of using you will use again. this is something that AA never addresses. they shame you into soberity.
I agree with you that there are always underlying issues and chemical abuses are always the tip of the iceberg, which will persist until the underlying issues are resolved, but it's wrong to say chemical abuses are "nothing more than learned behavior." There is more. To quote,
Once an alcoholic starts drinking heavily, the mesolimbic pathway responds by cutting down its production of dopamine. Alcohol also messes with the balance between two other neurotransmitters: GABA and glutamate. Alcohol spurs the release of more GABA, which inhibits neural activity, and clamps down on glutamate, which stimulates the brain. Combined with a shortage of dopamine, this makes the reward system increasingly lethargic, so it becomes harder and harder to rouse into action. That’s why long-term boozers must knock back seven or eight whiskeys just to feel “normal.” And why little else in life brings hardcore alcoholics pleasure of any kind.

As dependence grows, alcoholics also lose the ability to properly regulate their behavior. This regulation is the responsibility of the prefrontal cortex, which is charged with keeping the rest of the brain apprised of the consequences of harmful actions. But mind-altering substances slowly rob the cortex of so-called synaptic plasticity, which makes it harder for neurons to communicate with one another. When this happens, alcoholics become less likely to stop drinking, since their prefrontal cortex cannot effectively warn of the dangers of bad habits.

This is why even though some people may be fully cognizant of the problems that result from drinking, they don’t do anything to avoid them. “They’ll say, ‘Oh, my family is falling apart, I’ve been arrested twice,’” says Peter Kalivas, a neuroscientist at the Medical University of South Carolina in Charleston. “They can list all of these negative consequences, but they can’t take that information and manhandle their habits.”

The loss of synaptic plasticity is thought to be a major reason why more than 90 percent of recovering alcoholics relapse at some point. The newly sober are constantly bombarded with sensory cues that their brain associates with their pleasurable habit. Because the synapses in their prefrontal cortex are still damaged, they have a tough time resisting the urges created by these triggers. Any small reminder of their former life—the scent of stale beer, the clink of toasting glasses—is enough to knock them off the wagon.

AA, it seems, helps neutralize the power of these sensory cues by whipping the prefrontal cortex back into shape. Publicly revealing one’s deepest flaws and hearing others do likewise forces a person to confront the terrible consequences of their alcoholism—something that is very difficult to do all alone. This, in turn, prods the impaired prefrontal cortex into resuming its regulatory mission. “The brain is designed to respond to experiences,” says Steven Grant, chief of the clinical neuroscience branch of the National Institute on Drug Abuse. “I have no doubt that these therapeutic processes change the brain.” And the more that critical part of the brain is compelled to operate as designed, the more it springs back to its pre-addiction state. While it’s on the mend, AA functions as a temporary replacement—a prefrontal cortex made up of a cast of fellow drunks in a church basement, rather than neurons and synapses.
 

Drum&Bass

Master Don Juan
Joined
Aug 13, 2005
Messages
1,208
Reaction score
35
Age
44
Location
I travel
I think owning a home has more to do with comfort and being happy in your environment.

Some of you guys think having ahouse is about sleeping somewhere and having basic shelter, but I have a lot of hobbies and interests that are also profitable and being able to come home to an awesome house that I can modify according to my taste would keep me in the right state of mind to fully enjoy the things I do.

That being said...I think you should be able to pay for your home in 10 years of less and if possible it would be nice to find ways to have your home earn you money which could mean temporarily renting it out.
 

nismo-4

Moderator
Joined
Jan 31, 2005
Messages
4,421
Reaction score
1,127
Location
From New Orleans, Louisiana to Atlanta, Georgia!!!
Lexington said:
It makes me nauseous to see people breaking the bank just so that they can keep up with the Joneses. Do you really need that big a house? To me, a house is mainly a place to eat and to sleep. Why the fvck would you want to spend so much money on expensive dining tables, chandeliers, sofa sets, showcases etc.? None of these things make you any more comfortable. In functional terms there's no difference between that mahogany desk and the one you can buy at Ikea.

And what the fvck is with all these "soccer moms" driving around in massive SUVs. Really? You need that big a car to transport your kids around town? Given that most of these moms can't drive, they are nothing but a hazard to the rest of us. Those things cost a fortune, they're boring to drive and they guzzle gas like Jenna Jameson guzzles ***. But guys just shell out the cash to please the wives who probably don't even put out!
I had to laugh so damn hard! It makes me wonder, which Lexington are you in?

For Backbreaker, College football ain't overrated at all! It seems that the Big 10, Big XII, Big East, Pac 10, and of course the SEC!!! Especially the fact the best games are shown in November around Thanksgiving! Sadly, I don't have anyone around me to watch the LSU-Arkansas game then and oppose me by cheering for Arkansas!

But Valentine's day is overrated to me. It should be called AFC Awareness day IMO.
 

Oxide

Master Don Juan
Joined
Mar 21, 2003
Messages
3,233
Reaction score
26
It sounds like you haven't had the good stuff brother, otherwise you'd see the value in all those things you wrote about.
 

romangod

Master Don Juan
Joined
Sep 20, 2004
Messages
1,069
Reaction score
48
Location
Canada
backbreaker said:
1. women - relationships

this is pushed down our throats that if you do not have a GF or or not in a relationship, something is wrong with you, and you are not normal. This has long been a woman trait, a good looking well adjusted female is supposed to have a male, but not necessarily the case for a man. a man should not be determined by if he is or is not in a relationship or not, yet that is all most care about. that's why most guys here here in the first place.


it really is okay, sometimes even beneficial to be single. there are many benefits to being single. First you get more **** done. then, you don't have to answer to anyone. if i feel like getting up and going to miami tomorrow if i'm single and have the money i can go. if i want to buy a new car i dont' have to run it by my GF or wonder what she thinks. if i want to go blow all my money in the strip club i can.
I agree with this. I'm single and I'm staying that way. I've been in many LTRs and found that I was always happier outside of one than in one. My married friends are envious in many ways.


2. friends

Are very overrated. Business has sold us on the 4-5 guys night out. rarley does real life work like this. anyone seen that dave chappelle guys night out skit lol? this is what most guys nights are like. between **** blocking, jealousy, mootching and just incompatibility, most friends are not worth it.[

keep associates. be willing to met u with people, have fun, but this whole "oh we ride and die together" **** is so damn played out. most of your friends iwll **** your girl if she is hot enough, just like a woman would cheat on you if she found a man that was more deseriable than you. it just IS.

having the wrong friends canb e worse than having the wrong GF. they can be emotionally draining. then if you are trying to better yourself, do things (like come here) or go to the gym, or read a book every now and then, most of yuor friends will try to hold you back.

i have not had real best friends since i was 22 years old, and ironically (not really) my life is alot less drama filled

This one I don't agree with. Some here know my story and my friends rose to the occasion that warmed my heart and made me thankful for the true friendships I developed over the course of my life. There's nothing better than a true friend.

3. savings

most business people will tell you to save 10% of your money. Saving money is overrated. not to say that you should not save, there is a point int me that you should save money, but you should first invest in yourself. always invest in yourself before you start saving. make your money work for you and your money will not work more for you then if you put it in yourself. books, seminars, gym memberships, even clothes.
I'm ambivalent about this one.


4. home ownership

This is probably the worst of all. ****ing suzy oreman and all those real estate shows have basically told everyone that owning a hose is a win win, and you got these stupid ****s with credit scores about at the mendoza line going out and taking out loans for houses at stupid fuvck interest rates, and getting patted on the back because now "they own a house!".

Renting is your friend. if you are taking out a loan for a house you should not even consider it unless you have a 700 credit score. Your rent does not go up if you have a high credit score, but your mortgage does. get your credit score down then buy if you want.
I own my own home and it is my castle. I love it.

5. credit

Credit is good to have, very good to have, but these finance guys that walk around trying to convince me that there is a such thing as good debt i'd slap with my ****. debt is never good. it's that simple. there is a such thing as acceptable debt. ther are some thigns that i would consider going in debt to do, but there is never a such thing as GOOD debt. it's better if you can not be in debt.

right now i have all of 1200 dollars worth of debt, 900 in an amex card that gets paid every month and another 300 i keep on my balance on my cc's for credit score purposes. i could pay both off in 10 mintues if i felt like it.. we use amex for everything and just pay it at the end of the month...

when you don't have debt you have the freedom to do things. if i decided i wanted to go backpacking for a year tomororw i could. if something is possible to save for, save.

It's almost impossible to get by without credit. Credit Card debt should be avoided at all costs but low interest credit that can be payed off in a reasonable time is a godsend.

6. college

not becuase i did not go to college but college in genearl is overrated. notice i did not say important it is, but it's overrated. college in itself will not determine if you are going to be successful or not. and i'll tell you now if my son doesn't show any lack of effort for school when he gts older i'm not going to pay for him to go to school. do not confuse college with an education. education is priceless. you do not have to go to college to become educated.
Totally agree with this one. It burdens you with debt while still not knowing the difference between "loose" and "lose". The atrocious spelling and grammar of college educated posters make me think it's a waste of money. I dropped out after the first year and never looked back. I retired debt-free at 47 years old.

7. thanksgiving

**** i hate thanksgiving. nothing is open, i have to see my damn family or go over someones house for diner and eat bad cooking, and watch bad football.

it wouldn't be so bad if good football was on all day. no horse tracks are open, nothing. not even any good history channel specials which is the only thing that gets me through the 4th of july now.
I like the thought of it.

8. abstinence

in general is overrated. from sex, drugs, alcohol. i was in AA for a long time, 4 years. it was drilled in my head that i could not drink, and drinking as bad for me. in reality it's not. i never had an alcohol problem, never will, i dont' like it enough to develop a problem, yet i deprived myself from social drinking to keep up a facad and to maintain a sobriety date.

i have a problem a big one with cocaine. i know that so i don't play. but that's just my physical thing, it doesn't mean i have to stay away from everything. i smoke a joint from time to time and you know what, i ****ing like it. if i could do an 8 ball from time to time without emptying the bank account i'd dot hat.

realizing what you can and can't do and staying within your boundaries is most important.

and what does staying abstinent from sex prove? not a damn thing. why would you want to **** someone who has no experience?

I don't agree. Abstinence is a choice. If one is abstaining from sex because they can't get any is a different story. If one has the discipline to abstain for whatever reason, then they show a strength of character. I rarely drink although I could pound them back with anyone in my youth. I just choose to stay mostly sober and not risk the negative outcomes that can occur like alcoholism or losing my driver's license.

9. Television

in general is overrated. very little of it is good anymore. Give me a good book and a good music CD and \some good wine over TV any day.
Totally agree. I watch very little TV. Mostly sports and news.

10. sex

is very overrated. don't get me wrong, it's good. but we live in a pinned up society that revolves around sexual tension. it's not that serious.
I totally agree. Where else can you ruin your life for 15 minutes of physical and egotistical pleasure? Knock a broad up or getting an STD will change your life completely.



Cheers!
 

backbreaker

Master Don Juan
Joined
Apr 24, 2002
Messages
11,573
Reaction score
572
Location
monrovia, CA
note, that i'm engaged, i own the title to my house and i save about 20% of all that i make and have for the last 4 years, and i have a credit score of over 750. i don't say these things in spite.

not for instance that did not say it was good to have credit, but its' drastically overrated.

people miss the big picture with debt and the big picture is that it takes away your freedom

when i was in little rock, and i really hit that level financially everyone in their mind thought i was crazy because i refused to buy a house. i rented a townhouse. according to everyone iw as wasitng my money.

then one day i said you know what. i don't' want to live here in little rock, by the end of the week i was living in south florida. paid my early termination fees, called a moving company and was on the beach by the weekend. Then when i got there, about 8 months later i moved again to southern California. that is a type of freedom that i will always want to have and that when you are in debt you can't even think about. when you are in debt you become a slave to whoever you are debted to.

some things are worth becoming a slave to. i have no problem with people going in debt to better themselves in general. and if you can have seriously equity in your house there is nothing wrong with that, on a 10-15 year plan.


I am seriously, seriously considering backpacking across the country next year. me, my fiancee and my son. hit all 50 states, doing things, going places, you only live once. it's something i always wanted to do, i told her about it about 6 months ago and she actually thought it would be fun. that is the type of freedom I like having, to seriously consider doing something like that.

Seriously the only reason i even bother with credit cards is because i travel so much and they are pretty necessary like for renting cars. other than i have never used a credit card to purchase a big ticket item (at least as a sole purpose of purchasing the item, i've purchased like my TV and then paid it off later that week or something)
 

Colossus

Master Don Juan
Joined
Jan 22, 2005
Messages
3,506
Reaction score
547
Not a bad list Backbreaker, and I agree with most of it....

1. women - relationships

My take is the same as yours. It's been shoved in our faces (mainly by women) that if you aren't in a relationship or at least moving from one to the next then there is something constitutionally wrong with you. Rubbish. Being single can be lonely at times, but it can also be really productive and restorative. You cant go through life with the mentality of "i'll be happy when....". Be happy now, single or not.

2. friends

Disagree here. Friends are one of the best things in life. You just have to find people who give a sh!t.

3. savings

Im not the best at saving, but boy oh boy would a savings account have saved my as$ in the past if I had one. Sh!t always seems to hit the fan when you have no emergency funds.


4. home ownership

I dont own a home, but I also dont think renting is a bad option during certain periods of life. Lot of people bought homes and are now bankrupt.

5. credit

The only thing I have to say about this is that debt is a ball and chain. Like you said there is only acceptable debt, never "good" debt, whatever the fvck that means. Pay cash for everything possible. There is no need to finance a dining room set. Really? Save up some damn money.

6. college

I agree, but with a caveat: it's only worth it if you have a legitimate PLAN, and that plan needs to involve grad school these days. Even then you can throw thousands upon thousand down the drain. Colleges are a business, and people forget that. A bachelor's in marketing or biology really does not mean sh!t on it's own---you just incurred a truckload of debt that you probably wont pay off. Have a plan that makes sense. Healthcare and medicine are fields worth getting degrees for. Dont waste the undergrad years partying and being an idiot---because bad grades will haunt you for life. When it comes to school and careers, I always say; if it was easy, everyone would be doing it. Get a degree that is going to pay you dividends.

7. thanksgiving

no opinion

8. abstinence

I dont agree. It's a choice, and one that requires character. If you're doing it just to appease some set of religious ideals or someone else, then yeah, it isnt worth it. My hat is always off to those who are deliberately abstinent from sex because of their own convictions. That takes willpower, man. Sex can ruin lives. Same with drugs and booze. Rarely ever worth the momentary fun.

9. Television

Some good shows out there, but mostly garbage. I like Rescue Me.

10. sex

Totally. We tell ourselves we "need" sex, but no one does. It's a desire, not a need. And a few minutes of banging can totally fvck your life. But no one ever thinks it will happen to them. These days I only want to have sex if I have a legitimate girlfriend. Yeah jacking off sucks but whatever, I can hang. Casual sex is never worth the hassle and risks, I've learned.
__________________
 

alairauston

New Member
Joined
Jul 6, 2010
Messages
4
Reaction score
0
This are the really a great tips for every one ,this are really a overrated things in a society people not think in a broad way they think a wrong way we remove thins kind of thought form a our society,like relationships,friendship,ownership,abstinence,Television.
 

Kailex

Master Don Juan
Joined
Jan 3, 2010
Messages
2,072
Reaction score
190
Location
New Jersey
Owning a home is overrated for me, and unnecessary.
I'm legally single with no kids in the near future. I can uproot at anytime.
Right now, a large studio is good enough for me.

Renting gives me the financial freedom to just leave at anytime without having to worry about a mortgage. I love my little apartment, it's in a great area, with great people and the room is perfect for me. Everyone that walks in says that they feel so cozy and warm in it. I'll be sad the day I have to go, but I'm just glad that I CAN leave whenever I want to.



Women... vastly overrated.
No need to expand on that.




Getting drunk... ridiculously overrated.
 

squirrels

Master Don Juan
Joined
Apr 15, 2003
Messages
6,628
Reaction score
178
Age
45
Location
A universe...where heartbreak and sadness have bee
Espi said:
CAREFUL!!!! It's not "OWNERSHIP." You don't own the house until you pay it off...with lots of interest. The bank owns it!!!!

But you're a smart man!

NEVER let your parents, friends, and co-workers impose societal customs and mores...they're designed to cost you a lot of money!!!

And, last time I checked, the beds feel just as good in a cheap apt. You spend up to a third of your life sleeping...during which time you're not even aware of your surroundings.
You never own the house. The government "owns" the land. They "deed" it to you...which gives you rights to use the land as you see fit, within their rules. And if you don't pay your taxes, they can take it right back. Paid for or not.

JustLurk, very interesting read BTW.
 

Scaramouche

Master Don Juan
Joined
Jan 27, 2008
Messages
4,005
Reaction score
1,138
Age
80
Location
Australia
Dear Backbreaker,
I do like your provocative posts,they make me think....Your own Benjamin Franklin when asked what you may rely on,was supposed to have replied "A good Woman an Old Dog and cash at the Bank"14 mistresses and near as many Bvastard Children....A Man after my own heart...I would note that your ten overated "Things"eshews the good Woman,but still leaves old Dogs and Cash....good for you....so lets look at your ten discarded objectives....1.relationships....Oh Backbreaker,there comes a time when you get so sick and tired of chasing skirt,you just run out of incentive the energy flags,but if you are a paid up member of sexaholics anonymous like me you have to have a steady fvuck,if you are smart you keep a few improvers in the wings,because nothing lasts forever,does it?....
2.friends....Hmmm never rely on them,but they help pass away the time,always necessary to have a few,particularly"un femme savant"...an older lady can be very handy to be your wailing wall,and advisor.
3.Saving....Its not so much the money,but the habit,your Nation and mine were built on quite puritanical attitudes to saving...the problems we are in today are very much those of profligacy....Poverty is often preceded by wastefulness....as the Power in the World moves steadily,irreversibly Eastward,reflect,those slant eyed little bvuggers save 40%of their wages In Australia the savings?are actually negative...
4.Home Ownership...Sorry old chap,the absolute disaster in your Country is more the result of a pathetic attempt at social engineering,than any intrinsic problem with real estate...The ability to walk past your investment every day is a great advantage,it is a good investment because it is predicated on two things....1.an ever expanding population and 2.a fixed supply of land...You young guys out there believe me,the Streets are running with blood so buy...prices after this second slump will never be better...my Real Estate generates my income,and so it can yours....
5.Credit...generally agree with you,avoid borrowing if you can,but suppose you are interested in buying a five bedroom house and borrowing the necessary biscuits means renting out four bedrooms,that generate enough income to pay off the loan that enables purchase,then creeping inflation means that you are way out in front in a few years
6.College.....Yeah I was involved with the Education industry for 23 years,what a scam! every scathing word you utter is true...qualifications are inferior to a bus ticket that will at least guarantees passage to a given destination.
7.Thanksgiving....Oh Backbreaker you are a real Ebeneezer Scrooge come on..... I suppose Christmas is the closest I can relate to...Roast Turkey,oven baked spuds and Pumpkin,peas,onion gravy...Plum duff and Brandy Custard,to follow,crackers,the tree and presents,kisses under the Mistletoe,getting hopelessly pvissed with mates and family...Come on BackbreaKer,surely that's nice?
8.Abstinence.....I am not a great fan,if temptation rears its happy face,I seldom resist,even at my age
9.Television....Happily in Australia it's not too bad,we have very few channels,but in general they are pretty watchable....I am too busy to enjoy, but the best shows,generally British I video to view at my leisure.
10.Sex.....Sorry Backbreaker,even at 66 nothing beats it.
 

bish0p

Senior Don Juan
Joined
Nov 1, 2009
Messages
383
Reaction score
8
backbreaker said:
i have a problem a big one with cocaine. i know that so i don't play. but that's just my physical thing, it doesn't mean i have to stay away from everything. i smoke a joint from time to time and you know what, i ****ing like it. if i could do an 8 ball from time to time without emptying the bank account i'd dot hat.
My Achilles Heel is cigarettes. I can do anything else without becoming addicted (maybe not 'anything'...but stuff like coke and E without becoming addicted)....but cigarettes, maaaannnn I don't know what it is. I just have to stop it completely or I will allow myself to totally lose control on it.
 

zekko

Master Don Juan
Joined
Aug 6, 2009
Messages
16,036
Reaction score
8,871
3. savings
Most everything I've read on finances has recommended having a savings emegency fund of 3-6 months of expenses in case you're out of work, and the rest should go into investments for retirement (or college education, etc.).

That's always seemed like good advice to me, although the way the economy is these days I think a better emergency fund would be six months to a year. Also, the stock market hasn't been performing so well lately either.

The problem with savings accounts is the low interest rates are often outstripped by inflation, so you end up losing buying power over time. Unless the economy improves, there aren't a lot of ideal options right now.
 

Commandante

Senior Don Juan
Joined
Jun 25, 2009
Messages
234
Reaction score
5
backbreaker said:
i have not had real best friends since i was 22 years old, and ironically (not really) my life is alot less drama filled
Have you seen any psychiatrist lately? No? You should!
 

backbreaker

Master Don Juan
Joined
Apr 24, 2002
Messages
11,573
Reaction score
572
Location
monrovia, CA
Espi said:
Most men could care less about home furnishings...women are the ones who want to spend the money on such items...

As a single guy, You can buy everything you need from The Salvation Army...

But married guy has no choice. She and her in-laws will ridicule him into spending money (or even worse, taking out a line of credit!) on home furnishings...all useless things, really.
lol, speak for yourself on that brah.. every house i've ever had has been laid from a furniture standpoint.. i've had basically 2 furniture sets, the one i used in my first 3 apartments/townhouses and the one i have now, and both i had custom made and shipped to me.

dude, you guys have no idea how much a well furnished room makes you look, feel and do for you. i'm a euro style metro guy when it comes to furniture.

do you know how much easier it is to get laid, when you bring a woman back to your house and she's expecting the normal "man crib" lol, i like that, man crib.. anyway, and she sees you have 1. style 2. you are clean and 3. not cheap? you can look at a woman and see the wheels spinning in her head "yeah.. i can defiantly **** this guy"


i remember the visual turning point in my oneitis uis whne i got my first apartment and she saw it. i had not even got the furniture yet (it was being shipped) we sat on office chairs in my living room but i had taken so much time to get the walls redone (i had wooden panels painted sand brown. think this

http://image.made-in-china.com/2f0j00zCZTNtkYJfci/Wood-Wall-Panel-Door-Door-Frame-G2007003-.jpg

i had a projector for a TV and my room had a Chinese theme with the Chinese bed (which i was able to get around town)... i could not get rid of her that night. we didn't sleep together that night but i could tell i had peeked her interest.
 

squirrels

Master Don Juan
Joined
Apr 15, 2003
Messages
6,628
Reaction score
178
Age
45
Location
A universe...where heartbreak and sadness have bee
samspade said:
Education is vastly overrated.

As Colossus said, it's great if you have a plan, or even if it's your goal simply to BE more educated generally.

However, the old adage that "education is not intelligence" is true, more than every in 2010 America.
It IS true.

The thing about "education", though (and I mean college education/bachelor's degree level), is that most companies screen people on that factor. Meaning that you could be the brightest, most valuable person a company could hire, but if you don't have a college education, they will throw your resume in the trash without even LOOKING at you.

I am not saying this isn't f*cked up...although it is a beautiful example of how institutions formerly of "higher learning" have managed to market themselves to increase attendance and profitability. But it is the truth of how the game works.

In the same way you can say it's "stupid" that girls will not see your sparkling personality if you are fat and ugly, you can say that it's "stupid" that potential business/job opportunities will be lost on the virtue of whether or not you have an accredited piece of sheepskin. Maybe one day you'll find someone who will see you for the potential you really have. But if you CAN, then you'd be better off just losing the weight...or getting the degree.

There are ways to get subsidized...I got my BA mostly on scholarship, partly by working over summer and a little help from Grandma.

Do I use it in what I do? No, not at all. But I found my current job through a recruiting program at the University. Really stumbled into it, found a niche in which I could excel, and the rest is history.

If you're Gates-worthy and you come up with a solid business idea early, maybe you DON'T need a college education. But just because Bill Gates dropped out and founded Microsoft does not mean that people going to college are "wrong". They're just playing by the rules of the game. You're free to invent your own game any time you want, but then you take responsibility for the consequences. ;)

zekko said:
Most everything I've read on finances has recommended having a savings emegency fund of 3-6 months of expenses in case you're out of work, and the rest should go into investments for retirement (or college education, etc.).

That's always seemed like good advice to me, although the way the economy is these days I think a better emergency fund would be six months to a year. Also, the stock market hasn't been performing so well lately either.

The problem with savings accounts is the low interest rates are often outstripped by inflation, so you end up losing buying power over time. Unless the economy improves, there aren't a lot of ideal options right now.
The biggest advantage to a savings account is that it's more secure than stuffing the money under your mattress. The interest rates...may as well not be.

Gambling on the stock-market is dicey right now. There are a lot of economic risks, both national and worldwide right now...they want you to believe the economy is "bouncing back", but it's not. It was overcooked for a while. This "recession" is right where we ought to be.

Speculation should be done in moderation, unless you have a rare talent for picking stocks. If you want to invest your money, find a good fund managed by people who know what they're doing, whose job it is to have their finger on the pulse of the economy.
 

backbreaker

Master Don Juan
Joined
Apr 24, 2002
Messages
11,573
Reaction score
572
Location
monrovia, CA
The thing about it, and it's kinda a catch 22, if i KNOW i am a great fit for your company and youa re so silly to "throw away my resume without looking at it" if i don't have a college education, than that's not a company i want to work for in the firstp lace.

squirrels i assure you this is not how real business men think. businessmen get ahead by relining on talented people, and the competition is to find the most talented people you can find. a business or business meant hat is that stupid, has killed himself already.'

the thing is, most people are not real assets to their company. college educated or not.

as i had stated before and everyone here knows i have owned two businesses. doesn't take a college education to do that. something that i don't think have ever shared with anyone here and just goes to prove my point, is about a few months after i sold my first business,while taking a heitis from the business world, i got approached by a recruiter via email for this financial company. while i wasn't looking for a job, at all, the person basically talked me into going to a group interview. i said **** it. why not. i liked bolier room, i might get some entertainment out of it.

well this was a little unformed company that was being backed by American express called ameriprise (at the time, ameriprise did not exist yet). I'm looking around, i'm easily the yongest person in the room, mind you at the time i was just 21 years old. 21.



let that sink in. 21 years old. lol, AND i'm black (and was the only black guy there) i was barley old enough to drink and here i am at a group interview to be a financial planner.


the recruiter told me that they did prefer people with college educations she told met hat i had already shown that i obviously had talent by my resume an d that she felt i could be an asset to their company


so they gave everyone this comptency financial test, i passed with flying colors.

so then they had me do this individual interivew with the guy that was running the division like a week later. i gotta admit, i was pretty sure i wasn't going to take the job even if offered, i just wanted to see if i could get it. i was intrigued by all this. I was doing this for kicks. had an hour long conversation with the guy, was very candid with him he was very candid with me, told me what he would expct from me and i told him frankely my situtation, that i came in not expecting to take the job, i don' need the money, he woudl have to blow me away to make me get out of my break to come work for him.. i had spent almost 3 years with my old company, 15 hour days, 6 days a week sometimes 7, i needed a break.

i left the room with a job offer, making 2k less a year than what i was paying myself to start out (without the perks, for instance my old company paid my rent, my ulititles, even my dry cleaning. the only thing i had to pay for was food, and that was only if i wasn't at work. i cleared 1300 a week a and of that i probably spent 200 a week) and had i stayed with the company from then into now i would be well, well, well into 6 figures. well into. I didn't take the job, 1. numbers is not something that just gets my juices going. I have to love my job that's how i justify working as hard as i do. that is not something I love and 2. if i were to take a job, a regular one, it would have had to be onet hat i can get off work at 5. i had told myself that more than anything i needed to start to have a resemblance of a social life, even though at the time iw as doign great financially, i had no life. at some point you have to try to balance things out. the guy was telling me that they expected me to work my ass off, and i had shown i had no problem doing that, and i didn't, his long hours (7-8pm sometimes) were laughable to me there would be days i would work to that, go get something to eat and come back and put in 5 more hours of work, but at the time, that is just not what i was looking for.

no college education.

smart companies recognize talent when they see it. Talented people, driven people never have a problem getting work. If you have a problem getting work it's generally, because you 1. aren't that talented or 2. aren't that driven.

I can walk into any car dealership and even if you gave me a sales job within a half year i would bet you my salary that i would be be in F and I somewhere if not there a sister store. you cannot hold a talented driven person down.

I have a gift that can never be thought in any college in america or the world for that matter. I have a vivid imagination and the ability to successfully bring my dreams to a reality in a logical manner. I have the ability to want something, then set down a definitive plan of action to make that something become a reality. rather it be a computer business, a web business, being able to play the piano, to own horses, to be able to make at least a decent living handicapping, or to be able to take my shirt off at the pool and have women do double takes.

I always had an imagination which is what drew my first business partner to me, and i always had a hunger to learn, but what i lacked, and what he brought, was discipline. he made me a very discipline person and as the quote goes, Discipline is the bridge between goals and accomplishment. We learned how to take large goals and break them down into tiny, micro achievable goals.


I am going to take a break and I am going to start on my third and what will be my biggest entrepreneurial venture of all, and there is no doubt in my mind, it will be successful, because i have a definitive plan, that is even in the works as we speak, to make it a success.
 

CollegeLife

Don Juan
Joined
Sep 7, 2007
Messages
59
Reaction score
2
I keep hearing back and forth, either it is important enough to stick in or it is not. So are you saying I should drop out of college? You can say it is overrated, but does that mean it is not important anymore.

I can understand that most liberal arts majors won't help much, especially since many may like it, but not that super passionate. Also, my understanding is that for worthwhile dropouts, you needs a plan too, Bill Gates dropped out, but he had a plan for Microsoft.

Also, I hate to say this, but my GPA is kinda low (and it is a bit too late in the game to really turn around now), I would love to go to grad school, but how should I plan out that I am not taking a shot in the dark.
 

backbreaker

Master Don Juan
Joined
Apr 24, 2002
Messages
11,573
Reaction score
572
Location
monrovia, CA
look

if you are still asking the question rather or not you should drop out of college or not, you don't' get it.

there is no magic formula for success.

1. figure out what YOU want to do (not what you should do)
2. figure out the best method for you getting there



my situation i knew exactly what i wanted to do, and i knew that going to college would not be worth it in my particular situation.

in fact, in my case, college would have been a detriment for two reasons

1. time. I had sold my first company a month and a half before my two best friends graduated form under grad.

2. let's say i went to college. i had about a 3.6gpa when i left high school and a 25 on my ACT. i would have got some money form somewhere but i would have had ot take out some money to get into the school i wanted to go to (if i went to college I was going to university of arizona). so now not only did i waste time, i now have obligated debt that i have to pay back, and so now i have to work to pay back the debt which means go get a regular job. and this is just undergrad.

had i went to school i would have went to be one of two things 1. a historian or 2. equine science major. 95% the latter. i love horses and this would have gotten me some resemblance closer to my goal and at worse, put me in a field i am passionate about.

but say i wanted to be a historian, i would have had to go to grad school somewhere which is more money.

college would have been a detriment to me achieving what i wanted to achieve, because of the financial obligations that go along with college. this was something i was able to see as a junior in high school and it took my two best friends graduated college to figure out. both had dreams to be musicians.. and honestly,t hey have talent, real talent, seriously, but becuase they are loaded down with debt from college, they can't afford to really chase their dreams.

I would call myself a very good pianist and the older of my two friends would run circles around me on the piano with one hand tied behind his back.

each year its' more of just a pipe dream than it is something they want to do. it's sad really.
 
Top