Smirking_Saint

That has people within it that can do sick acts such as this. I hope they catch the ****s and dip their ballbags in a bucket of acid. http://www.metro.co.uk/news/850202-pet-dog-put-into-bucket-full-of-acid

You are investing in your future though, so it is always going to cost you something for what you get back as that is what an investment is. As for the living costs etc, yeah of course this is part of it and perhaps some of it should be factored into the debt accrued and so into the easy repayment plans that are in place. I don't agree that under these plans the wealthier will benefit, it is a more level playing field IMO for everyone to get onto the further education pathways. Also, if you are more afraid of the debt you may come out with compared to the benefit then it tells you all you need to know and your making the wrong decision IMO.

I do, pretty much agree TBF. Vocational learning should be offered from the ages of 14 onwards IMO and apprenticeships should be offered so that they can be started still under school leaving age. Whats the point of sending some kids that haven't got the ability/drive to be academic and will no doubt fail their GCSE's when they could start training as mechanics, brick layers, pipe fitters, electricians etc and be more engaged by what they want to do and become ?

As far as tuition fees are concerned why shouldn't Oxbridge charge more than other Universities though ?? If i had the choice between two music teachers, one is new and charges £100 p/h and the other is brilliant and has trained bloody Mozart but charges £300 p/h then i have to make a choice whether the £300 warrants the better standard of education ?? Surely its not so much class related but just paying for a better service ?

As much as i don't think it is a pressing need, i have been saying for some time now that i reckon NA will sign a keeper. I just don't think, in the way he speaks about him he is too confident with Davis in goal. If he is a decent replacement i will be very happy as although Davis is a great shotstopper, seems a top bloke and reletively loyal servant (compared to offers recieved) he still worries me as a big c*ck up always feels around the corner and he is a crap communicator and distributer. I agree on the main premise however, if a GK is our only signing i will be pretty worried.

And IMO the fact that the tuition fees can be paid back so kindly now should, IMO make it easier for people to go to university. Problem is everything is decided by wealth, its a real b*tch but is life. As for your mates making their own companies fair play to them, they entered a risk and it paid off, it may not have and they could be in debt for a failed attempt ? At least you know, whatever happens you are probably more secure financially.

While i am all argueing the merits of tuition fees, that have risen however i believe their pay back rates to be VERY fair IMO compared to the almost certain increase in salary and job prospects (or else why bother going ?) Debts incrued by living away are an entirely different kettle of fish, and yes it may be that those with more money are able to go to the further afield and better universities. But that is life. When i was 18 i couldn't afford private healthcare and my knee took almost 2 years before i could play sports again. If i could afford it then it would have been much less, but i accept that as i cannot afford it. People can bemoan the class system and money all they want, but at the end of the day it rules the world. The rights and wrongs of this is a different debate entirely as we all know communism doesn't work. The idea is to attempt to climb the class system, and the only way to do that (without born talent for something) is to attempt to educate yourselves. Problem is this world is too ingrained in trying to make everyone equal and politically correct etc etc. We are not, and never ever will be, thats nature, so get used to it.

Whilst i agree, it must be hard in terms of fees for living etc. Is it really up to the state to pay for this ?? That is just another choice, is it a. i like it in bournemouth but i will have to pay an extra X amount or B. Southampton Uni still do the course and i will be able to save X amount living with mummy and daddy ?

Paid for actually but thats not the point Jonny. Its not actually a debt. Let me put it simpler. If i was your boss for instance, and i said to you. Do this course, it will cost you 10k but you will then triple your wages and you could pay it off at 7% of your yearly salary, would you do it ??

But this is the point. No matter how you look at it (and i have a feeling i will be shot down for this) is that Universtities SHOULD be an elitist thing and recieving a degree SHOULD be to those that are genuinely in the top whatever % of the country. The problem with the rules at the moment is that anyone can go to university to study andything they want and probably still come out with a degree at the end of it. This seriously waters down the pool and grading systems that can be used by employers. Sure you can still discriminate between the different degrees and argue about the difficulty of some other than another but you cannot argue the fact that at the very very least probably 60% of 'students' are at university with absolutely no intention of getting a decent job at the end of it. They are just there for the atmosphere, with a little work on the side. And what you have said is THE point i am trying to make, a choice is made by weighing up the positives and negatives and so you look at potential jobs, try and judge the likelyhood you will get the job at the end and weigh up the cost compared to the outcome. Would i go to Uni and accrue 50k worth of debt for a history or media studies degree ? No In fact when i left college with my A levels i wanted to be a football coach and so i looked at doing sports science, did a bit of research and found out that only a very small amount of people that graduated actually found a job and the wages were not great. I am glad i didn't do that. I looked at what i was good at, electrics and stuck to that. Did an apprenticeship, then went to where i am now and did a technical trainee role. One that enabled me to be paid to gain a degree and a garanteed job at the end along with a contracted pay scale/bonuses and future plan as to where i should be promoted to. I had to take a pay cut and slum it for 2 years but it all worked out. Life is about choices, i do feel sorry for you (not condescending) that things have not worked out and you have seen your mates earn more, but do they work longer ? Do sh*ttier work ? I, personally feel that the main cause for frustration is not that the 'free' education is being taken away but that the majority now do not get a free '**** up' for the next 4-5 years.

Lets not turn into the old pedantry and cyber grammar, i haven't got a problem with you BTF and never had but it is pedantry that would get peoples backs up, this is a forum, i am not writing a white paper, training notes or an engineering report. It depends who you talk to i think, having spoken recently to my financial advisor when looking into getting a new mortgage he said all they are worried about is how much you are paying back per month in relation to what you are bringing in and realistically the real stumbling block these days is finding the deposit in the first place.

But that is a choice in life, and eventually you are judged on choices, if someone chooses not to go to uni because they do not want to be in debt (no matter how favourable the repayment terms) then IMO they are failing to make the right choices in life and lack the real ambition and drive to take them to the top anyway.

I wonder also how the difference is between earning 17k a year as a clark or nearly 70k-80k a year after graduating with engineering, medical, science degrees etc ?? I would imagine these will be taken into account. Also i believe that currently this way of calculating affordability is done by looking at peoples outgoings, so for instance, at the very harshest of pay back terms that are introduced that means that about 11.5k is paid back when earning 150k then essentially it is only 7.6% of earnings, so not really too damaging IMO

Because he would annoy the majority of the STH's ?? Something that, if it happened i would also expect you to write a thread about Topcat. Or are you actually looking for 'because Cortese is a c*nt' ??

I wish i could pay my debts back at about £90 pa and that are written off after 30 years. Especially ones that allow me to progress and earn more money.

well, when it started i was liking grunge/metal and then heavy metal. Then moved onto hip/hop and gangsta rap. Then to R&B Then back into soft rock and indie And now i am circling Dubstep, D&B and trance.

Then you can just say, actually i changed my mind. Na na na na na and hang up

Seaborne out ?? He plays well with Fonte IMO.

Agreed, a bit like nightclubs.

What did saintkip do anyway ?

If you anonomously leave it in a white mini parked in Bursledon tesco by the recycling bins then i will invest it for you, you will recieve 500% of whatever you put in....honest...no questions asked.

Cold hard cash, i just need to find some dinlo with 10k spare.

Drugs

Early....yes, but i don't know whether or not i will be around tommorrow. Bit frantic, but it supports where i am in my musical journey ATM. http://open.spotify.com/user/supersmirky/playlist/0Cl4f4plqpO5WZI7rNhelS

Lol