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Comment Re:Ridiculous Extrapolation (Score 4, Informative) 374

Federal loans are a small part of it. Many educational loans are private loans. And guess what - you can't discharge them in bankruptcy, so the lenders have very little incentive to not throw money at you.

Some of it was caused by Mom&Dad being able to take out cheap home equity loans on their homes. The crash in 2008 kind of brought some of that to an end.

A lot of schools have gotten into "amenity wars". To attract students, they build ever fancier dorms and facilities. And yes, it does attract, but at a cost. As long as there is no pushback from the potential students that the costs are too high, schools will continue to act like this.

And finally, not every student pays sticker price. Many pay far less than that - it depends on family income.

Comment I love a quiet office space. (Score 3, Insightful) 183

It is far too distracting when you have voices in the hall, phones ringing or anything else. Even having my own cell phone ring pisses me off sometimes, as it breaks my concentration. Of course it isn't every day that I need to concentrate like this, but I appreciate having that ability when the need arises.

Sometimes I work from home, but if my wife is around, her work has her on the phone all of the time, and I can't concentrate. She tells me that "I can't multitask", but to me multitasking is largely a myth unless the tasks are all fairly trivial and the mental context switching overhead is relatively small. A lot of "multitasking" that I see people doing amounts to "multi-goofing off".

Comment Re:No Thank You! (Score 1) 24

On my S5, Android Pay seems to have gotten broken by the Marshmallow update. Every time I try and use it, the damned thing hounds me for the administrative password. And this is despite the fact that I used my fingerprint to unlock the phone.

So the stupid thing is basically unusable now. Simply not worth the effort. Samsung Pay seems like a joke to me, so I just pay cash or use EMV.

Comment Here is what I do... (Score 1) 178

When a call comes from a number I do not recognize, I just don't answer. Doesn't matter what it is. Once in a while if I am expecting a call I might answer an unrecognized number. Otherwise, let it go to voicemail.

If they leave a message and it is someone I want to talk to, I add them to my contacts and call them back

And if they robocall from the same number a few times, I add the number to the "ignore" list so I am not bothered by the sound of a ringing phone.

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