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Random health and exercise thoughts - Page 3566

post #53476 of 57263
Quote:
Originally Posted by ridethecliche View Post

Sense... 


You're lacking it.


Because it's a status symbol?

Why should the government fund art degrees? Why can't people do art themselves. Why should they fund degrees there is no demand for.
post #53477 of 57263
Quote:
Originally Posted by Coldsnap View Post

All these finance peeps. Someone learn me retirement, with the way companies run now days the chances of me getting a retirement or contributing to the same 401k for 29 years seems unlikely. I have a Roth ira which I contribute to year after year, that's about the extent of it. I want to be comfortable when I'm old. Future planning reminds me. I need to stay on top of the cancer which killed my father and my fathers fathers at a young age

 

Regardless if you plan to work for a company your entire career, you should still capitalize on tax advantaged retirement accounts.  Not staying long enough to be fully vested for any employer contributions is another story, but that certainly would not stop me from contributing to 401k.  You can always roll it over into a traditional IRA if you want to consolidate your retirement accounts.

 

General retirement planning suggestions (can go crazy with order if you start talking tax bracket, income level, etc.):

1) Contribute enough to employer 401k to receive the full employer contribution

2) Max IRA -- Trad or Roth.  Limit for 2015 is $5.5k.  Which will depend on tax brackets but I favor Roth since wife and I are in 25% bracket and (1) higher income in future is probably since we are only 25 years old, so higher tax bracket and (2) assume that tax rates will increase in the future

3) Contribute additional funds to max out 401k -- 2015 limit is $18k pre-tax

 

If you have loans, depending on the rates, paying those off could be argued as #3 and then maxing 401k step #4.  You can always combine the two so you pay off debt and contribute additional to 401k but not max out at $18k.

 

FYI, I was incorrect earlier.  Student loan debt is tax deductible, even if you do not itemize.

post #53478 of 57263
Quote:
Originally Posted by ridethecliche View Post
 

 

Why'd you edit? It was pretty accurate.

 

Because it had the potential to cause a clusterfuck I didn't want to be responsible for.

 

Chinese (better yet, foreginers) come to the US because it is super fucking easy to get into a US school, especially if you are international and will be paying the international student clip. It also has the lure of being the US (although that is rapidly fading) and it is still seen as a better opportunity. I came to the US as an international student, all of my friends my freshman year were internationals and everybody in my dorm was international, there is only 1 other person who has stayed here after graduation because she married an American, just like I did (and we will be moving back to AUS within the next 3 years, hopefully less).

I'm not here to shit on America, I wouldn't be here if I didn't like it, and education is kind of a mess in most places. 

post #53479 of 57263
Quote:
Originally Posted by fuji View Post


Why should the government fund art degrees? Why can't people do art themselves. Why should they fund degrees there is no demand for.

Because it's not fair! If you want to play dress up and fingerpaint for 4 years it should be free even though it literally does nothing to help economic of tecbnogical growth.
post #53480 of 57263
Quote:
Originally Posted by tesseract View Post


Because it's not fair! If you want to play dress up and fingerpaint for 4 years it should be free even though it literally does nothing to help economic of tecbnogical growth.

 

Isn't that basically what fuji's job description is except with excel?

 

Quote:
Originally Posted by fuji View Post



Why should the government fund art degrees? Why can't people do art themselves. Why should they fund degrees there is no demand for.

 

My comment was more related to the stupid cost of college here, relative to the 70's and 80's with no increase in utility to students vs the government funding degrees.

 

Also, there's an argument saying that a higher education level for the average person leads to the overall betterment of society, but that's not a narrative you'd be fond of I'm sure.

post #53481 of 57263
Without analysts pricing securities they wouldn't be accurately priced, we wouldn't have efficient markets and excess funds would not be distributed efficiently. Without investment banks and funds firms are not going to be able to access capital.

I do think some degrees should receive government funding, but I don't think liberal arts degrees need funding.
post #53482 of 57263
US is still leading the pack when it comes to academic research, so while it's still expensive no doubt there's good output. Free higher ed isn't all it's cracked out to be, it creates a lot of incentive problems.

A move into a system more like what AUS has now (I think) would probably be a good thing.
post #53483 of 57263
Quote:
Originally Posted by jacquelep View Post

USA is literally the worst place ever for students. Other countries have free universities and some great government amenities. I need to move to Scandinavia.
Then why do rich Chinese folks send their kids to schools here instead of Scandinavia

Why do companies like Apple etc recruit from US universities

Etc

U can be the best and still have problems

I do think the education system should be overhauled though.... math and history and all that shit isn't enough, kids need to know how to make Pivot Tables and shit.
post #53484 of 57263
Quote:
Originally Posted by Lagrangian View Post

US is still leading the pack when it comes to academic research, so while it's still expensive no doubt there's good output. Free higher ed isn't all it's cracked out to be, it creates a lot of incentive problems.

A move into a system more like what AUS has now (I think) would probably be a good thing.

 

What's AUS' system?

Quote:
Originally Posted by fuji View Post

Without analysts pricing securities they wouldn't be accurately priced, we wouldn't have efficient markets and excess funds would not be distributed efficiently. Without investment banks and funds firms are not going to be able to access capital.

I do think some degrees should receive government funding, but I don't think liberal arts degrees need funding.

 

Oh, I thought you just made pi charts all day :nest:

post #53485 of 57263
australian
post #53486 of 57263

Australian schools are just extremely difficult to get into. Having good grades doesn't guarantee anything. And getting good grades is extremely difficult.

In Aus you have the HSC which would essentially be the SAT equivalent. Except instead of 2 hours on english and 2 hours on math or whatever it is on the SATs now, you have a 2-4 hour exam on every subject you take - math, chemistry, english, IT, Physics, history whatever. You then get a cumulative grade that essentially puts you in a percentile for the graduating students in the country for that year (between a score of 40-100, under 40 you just get an asterisk... and free drinks at most bars to make you feel better). When you apply for uni the programs are based on that percentile grade and if you don't meet the cut you have no chance. I scored an 86.8 on the HSC, which was pretty fucking great tbh, all of the programs I wanted to get into were around 88-98 for entry, the lowest was an 86 at an out of state school. I was denied entry to all of them, so I took my SATs and got a 1750 (when the max was 1800). I couldn't even believe how easy it was and had already scheduled 2 SAT exams because they said I could take my best grade, I ended up taking it again a week later and got the exact same grade again.

 

Anyway, that's the story of how I came to the US.

 

The most fucked up thing about US schools in the gen ed requirements imo. That was the entire point of high school. SAT's and HSC proved proficiency in it, you are just making me take 2 years of pointless credits to make money.

post #53487 of 57263
Quote:
Originally Posted by ridethecliche View Post

What's AUS' system?

Oh, I thought you just made pi charts all day nest.gif

Yeah making the pitch book might seem fairly useless, but no one is hiring an investment bank that doesn't make one. How are new firms going to raise capital without an investment bank? They don't have links to institutional investors or know how to access capital markets and issue securities.

New job is less pie charts because buyside analysis actually has to be a real analysis.
post #53488 of 57263
Quote:
Originally Posted by OccultaVexillum View Post
 

Australian schools are just extremely difficult to get into. Having good grades doesn't guarantee anything. And getting good grades is extremely difficult.

In Aus you have the HSC which would essentially be the SAT equivalent. Except instead of 2 hours on english and 2 hours on math or whatever it is on the SATs now, you have a 2-4 hour exam on every subject you take - math, chemistry, english, IT, Physics, history whatever. You then get a cumulative grade that essentially puts you in a percentile for the graduating students in the country for that year (between a score of 40-100, under 40 you just get an asterisk... and free drinks at most bars to make you feel better). When you apply for uni the programs are based on that percentile grade and if you don't meet the cut you have no chance. I scored an 86.8 on the HSC, which was pretty fucking great tbh, all of the programs I wanted to get into were around 88-98 for entry, the lowest was an 86 at an out of state school. I was denied entry to all of them, so I took my SATs and got a 1750 (when the max was 1800). I couldn't even believe how easy it was and had already scheduled 2 SAT exams because they said I could take my best grade, I ended up taking it again a week later and got the exact same grade again.

 

Anyway, that's the story of how I came to the US.

 

The most fucked up thing about US schools in the gen ed requirements imo. That was the entire point of high school. SAT's and HSC proved proficiency in it, you are just making me take 2 years of pointless credits to make money.

 

Wait, when was the SAT out of 1800?

 

India has a similar system. I would have done terribly at it. 

 

Yet here, I'm going to medical school...

 

My issue isn't with the system as much as the payment. I think people that go into fields that 'help society' should get assistance for loan repayment depending on the pay of the position. In med school, many states give back so much money and assistance if you go into primary care there and practice for x number of years.

post #53489 of 57263
Quote:
Originally Posted by ridethecliche View Post

Isn't that basically what fuji's job description is except with excel?
lmao
post #53490 of 57263
Quote:
Originally Posted by fuji View Post

buyside analysis actually has to be real analysis.

I misread it like this and laughed because I'm an economist
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