What kind of schools are doing better.

Public schools?

or

Private schools?

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"It is no crime to be ignorant of economics, which is, after all, a specialized discipline and one that most people consider to be a 'dismal science.' But it is totally irresponsible to have a loud and vociferous opinion on economic subjects while remaining in this state of ignorance.

--Murray Rothbard

Quote:

Originally Posted by Skinny. A liberal is just a libertarian who hasn't studied economics.

"What I don't understand is how this country got so obsessed with credit and why someone who has NEVER had to borrow money (such as myself) automatically has bad credit since no credit is considered bad credit. I should have perfect credit since I've never had to borrow money for a loan, credit card, or anything else."

As I said, I have no credit which is considered as bad as having bad credit.


And there's a multi-quote button so you don't have to post 5 times in a row.

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"We consider this our duty - to defend humanity against the scourge of intolerance, violence, and fanaticism." -Ahmed Shah Massoud
Ahmed Shah Massoud T-Shirt

no credit is NOT synonymous with bad credit, as your credit history is simply not established. you can cure your situation in days while one with bad credit will require years to establish a positive credit history

whenever you make a purchase at one of those big boxes that offers free financing over some period, make your purchase using their free financing. fill out the forms (mild pain), and pay it off the next day or so, just as you would normally pay cash. your new credit history will show you are a promp pay and score you highly. you will have established a positive credit history. never be a late pay and you will always have a good credit score

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Quote:

"I like to watch the news, because I don't like people very much and when you watch the news ... if you ever had an idea that people were really terrible, you could watch the news and know that you're right."

Frank Zappa

Yes I understand that but there is no reason for me to do that other than going out of my way to establish credit history.

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"We consider this our duty - to defend humanity against the scourge of intolerance, violence, and fanaticism." -Ahmed Shah Massoud
Ahmed Shah Massoud T-Shirt

I sincerely believe that it would be in the best interest of all Americans that beginning in middle school and continuing on through high school children should be required to take a class in media interpretation (which doesn't yet exist) so that they may be better prepared to function in the Information Age. For large part most cannot interpret media and as a result most are victims of information.

The Internet is one example. There is a lot to learn here but much of the information can be wrong, incomplete or purposely deceptive. Knowledge is power, but applied knowledge is independence. if people do not know how to to interpret the information and then process it correctly they run the risk of becoming enlightened idiots.

A friend who teaches genetics told me recently that often these days the students in his university class will say, "Just tell us what you want us to learn". They are not able to guided through the process of learning, they need for it to be marked and identified. No more, no less. Take these same people and put them on a forum like this one. They can give you "facts" but they often are not aware of if or how the "facts" are indeed true. How did the facts become known? How does one know if the information is valid? They don't know. They don't see how things correlate or they have difficulty seeing cause and effect. Often the real world doesn't have pat answers. Usually there is a bit of truth and error in most things. Few position are 100% correct.

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You, you, and you, panic. The rest of you follow me.

Last book read: "The Gate House" ~ NelsonDeMille
Now reading: "Nam-A-Rama" ~ Phillip Jennings

so, a credit history is not worth the effort you would have to expend to establish it. that is certainly your choice to make
just as it is a prospective lender's choice whether to extend credit to you or not. past is prelude. if one's repayment history is blemished that tells the potential lender to be wary of extending credit. on the other hand, if your repayment experience is consistently timely, that provides the lender information to assess the reduced risk of making a loan to you. interest rates and terms are normally set based on degree of risk, assuming one's credit history would enable them to obtain the loan
but, since you are not inclined to go thru the hassle of establishing any credit history, this explanation is but an academic exercise

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Quote:

"I like to watch the news, because I don't like people very much and when you watch the news ... if you ever had an idea that people were really terrible, you could watch the news and know that you're right."

Frank Zappa

Sigh... you still don't understand.

No credit history means that you have never had to establish credit. You have never borrowed any money. You are so completely on top of your finances that you have the money to pay for everything up front. You've never owed any money.

Despite all these facts if you were in the position where you needed to take out a loan for something, lenders would treat you just as poorly as someone who has bad credit. And that is a problem within the system because in truth I have better credit than anyone designated as having good credit. My lack of credit should be seen as a perfect credit rating.

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"We consider this our duty - to defend humanity against the scourge of intolerance, violence, and fanaticism." -Ahmed Shah Massoud
Ahmed Shah Massoud T-Shirt

Um......what ever happened to 'parents'?

I think you're wrong here. Using your logic, anyone can be a surgeon. All they need are the books, right?

You have to know what to do with that information; how to evaluate and apply it to make decisions. That is what kids need to learn.

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I have no idea, but if you check out their unemployment rate, it's like 3%. That probably has something to do with them having oil, but still.