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<blockquote data-quote="vvvvvvv" data-source="post: 1631135" data-attributes="member: 5151"><p>Other than the taxpayers who were cheated by Congress to "help" those campaign contributors who were deemed "too big to fail", the "victims" of the financial collapse that these people seem to be trying to represent set themselves up for it.</p><p></p><p>I mean, I first heard of a "balloon mortgage" in sixth grade and thought "who in their right mind would get one of those".</p><p></p><p>And I know that banks are in the business of lending money and making a profit off that lent money - the only interest they have in your ability to pay is your statistical likelihood of you paying it back plus some. And then you've got the .gov regulations that tie the hands of banks when people who meet a certain criteria come to take out a mortgage.</p><p></p><p>I've noticed a trend among people I'm connected with on Facebook, Twitter, and Google+: those who are applauding the protests almost all think that a $12/hr job is unattainable without screwing someone else over (outside of oilfield), and that $20/hr is "rich" and "unethical". I've got a New York-based freelance developer on G+ that complains about "big agencies" charging - get this - $100/hr in NYC, and the reason given is "I just don't feel right charging more than $30/hr for my services" even though the going rate in that area for freelancers is $125/hr and agencies $300/hr (at least from what I've seen).</p><p></p><p>Attitudes like that are why they aren't successful. Attitudes like that is why after 10 years in the workforce they're still earning maybe 50% above minimum wage. Attitudes like that are why many startups in my industry fail due to lack of cashflow.</p><p></p><p>If you want to success, you have to have a desire and the smarts to succeed. Jumping from one minimum wage job to another just sets you up for failure.</p><p></p><p>Don't get me wrong, I've worked minimum wage jobs. And I only moved if I moved up in both wage and position, even if that was within the same employer. I have no college degree, and I'm doing just fine climbing up the ladder - never had anyone ask about it either. I have friends with college degrees (and the tens of thousands of dollars of debt to go with them) that are working retail/food jobs that pay $9 or less per hour just because they a) think it's bad to get a job that requires a degree that is not in their field, or b) think that the jobs that could actually pay their student loans just aren't there because that's what the newspaper and the TV says.</p><p></p><p></p><p></p><p>By the way, what do you think about the protests being organized by Canadians rather than the apparent Americans taking part?</p></blockquote><p></p>
[QUOTE="vvvvvvv, post: 1631135, member: 5151"] Other than the taxpayers who were cheated by Congress to "help" those campaign contributors who were deemed "too big to fail", the "victims" of the financial collapse that these people seem to be trying to represent set themselves up for it. I mean, I first heard of a "balloon mortgage" in sixth grade and thought "who in their right mind would get one of those". And I know that banks are in the business of lending money and making a profit off that lent money - the only interest they have in your ability to pay is your statistical likelihood of you paying it back plus some. And then you've got the .gov regulations that tie the hands of banks when people who meet a certain criteria come to take out a mortgage. I've noticed a trend among people I'm connected with on Facebook, Twitter, and Google+: those who are applauding the protests almost all think that a $12/hr job is unattainable without screwing someone else over (outside of oilfield), and that $20/hr is "rich" and "unethical". I've got a New York-based freelance developer on G+ that complains about "big agencies" charging - get this - $100/hr in NYC, and the reason given is "I just don't feel right charging more than $30/hr for my services" even though the going rate in that area for freelancers is $125/hr and agencies $300/hr (at least from what I've seen). Attitudes like that are why they aren't successful. Attitudes like that is why after 10 years in the workforce they're still earning maybe 50% above minimum wage. Attitudes like that are why many startups in my industry fail due to lack of cashflow. If you want to success, you have to have a desire and the smarts to succeed. Jumping from one minimum wage job to another just sets you up for failure. Don't get me wrong, I've worked minimum wage jobs. And I only moved if I moved up in both wage and position, even if that was within the same employer. I have no college degree, and I'm doing just fine climbing up the ladder - never had anyone ask about it either. I have friends with college degrees (and the tens of thousands of dollars of debt to go with them) that are working retail/food jobs that pay $9 or less per hour just because they a) think it's bad to get a job that requires a degree that is not in their field, or b) think that the jobs that could actually pay their student loans just aren't there because that's what the newspaper and the TV says. By the way, what do you think about the protests being organized by Canadians rather than the apparent Americans taking part? [/QUOTE]
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