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Madame J
Joined: 15 Feb 2007 Posts: 239 Location: Oxford, United Kingdom
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Posted: Thu Jan 01, 2009 2:21 pm Post subject: |
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I thought that under the old system, you could sign on during the holidays? I do think that one of the key issues that needs addressing is the very fact that students are provided with no support during the long summer period. Summer jobs aren't always easy to find when you've got thousands of students all pouring into job agencies every June.
Do today's students really need much more than those of the 90s, though? I know mobile phones are an essential and a computer almost that (I managed to get away with not having one during my first year), but I'm not so sure about fashionable clothes etc. Maybe there are a few students out there intent on emulating the WAG lifestyle, but nobody I knew at university ever bought any designer clothes. Primark is still very much the order of the day!
I suppose most people don't see their student debt as being actual debt, rather just another tax, and that seems the most sensible way of going about it. However, the new fees system is enough to sway even the most stoic individual from that way of thinking. I wonder how many people are now taking degrees in nursing or something else funded by the NHS/business simply in order to avoid the new fees system. |
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Mike_2007
Joined: 24 Apr 2007 Posts: 349 Location: Bucharest, Romania
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Posted: Thu Jan 01, 2009 4:00 pm Post subject: |
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By need I meant "need"...
The kids look at me like I'm some kind of alien when I tell them I used to stay in touch with my girlfriend back home by written letter. Makes me feel like I went to uni in the 19th century rather than the 1990s!
It was hard getting through those years but I prefer it that way as it taught me many valuable lessons about money management. Now it's all too easy for students to get into debt and a habit I imagine few of them get out of until their 40s or 50s (loans, mortgages, credit cards, etc.)  |
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johnslat

Joined: 21 Jan 2003 Posts: 13859 Location: Santa Fe, New Mexico, USA
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Posted: Thu Jan 01, 2009 4:55 pm Post subject: |
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And that's likely going to be the "next wave" in the financial meltdown - when all those people with big credit card debt who've lost their jobs default of those payments. Does anyone else see some credit card companies filing for bankruptcy? (Hmm - maybe it would be a good time to run up some credit card debt - except, I'm not 100% sure.)
And then there are all those mortgages taken out in 2004/2005 that have five year balloon payments coming up.
Yikes - this tsunami may have a lot more waves to come yet. |
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MO39

Joined: 28 Jan 2004 Posts: 1970 Location: El ombligo de la Rep�blica Mexicana
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Posted: Thu Jan 01, 2009 6:01 pm Post subject: |
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| Johnslat, Where did you find your inspirational Obama-as-Superman avatar? I love it! |
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johnslat

Joined: 21 Jan 2003 Posts: 13859 Location: Santa Fe, New Mexico, USA
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MO39

Joined: 28 Jan 2004 Posts: 1970 Location: El ombligo de la Rep�blica Mexicana
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Posted: Thu Jan 01, 2009 6:56 pm Post subject: |
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Dear John,
Thanks for the links - I'm mighty tempted to order the tee-shirt version of your avatar, depending on how much they charge for shipping and handling to Mexico.
Happy New Year to you!
Cheers,
MO |
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jonniboy
Joined: 18 Jun 2006 Posts: 751 Location: Panama City, Panama
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Posted: Thu Jan 01, 2009 8:14 pm Post subject: |
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| Madame J wrote: |
| I thought that under the old system, you could sign on during the holidays? Do today's students really need much more than those of the 90s, though? I know mobile phones are an essential and a computer almost that |
Students have been ineligible for state benefits during Xmas and Easter breaks since 1986 and during summer holidays since September 1990.
http://www.insolvencyhelpline.co.uk/students/student-financial-support.php
According to my former lecturer students in 1981 got nearly �2000 of a grant and that along with the state benefits allowed them a comfortable lifestyle.
I shared halls of residence with 25 other students only one had a computer (the internet was around but poorly developed) and only one student in the final year 1997-1998 had a mobile phone. Text messaging wasn't available as an option on most phones back then and so mobiles were seen as an expensive luxury. 10p pieces were generally carefully hoarded to join the queue for the payphones. Happy days indeed.  |
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Teacher in Rome
Joined: 09 Jul 2003 Posts: 1286
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Posted: Fri Jan 02, 2009 10:29 am Post subject: |
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| I don't remember that we were able to sign on during any holidays - which was why we all got summer jobs. Housing benefit was also removed at some point in the mid-80s, and that was hard, as you had to pay rent on a house you weren't living in, on a low income. |
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Madame J
Joined: 15 Feb 2007 Posts: 239 Location: Oxford, United Kingdom
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Posted: Fri Jan 02, 2009 1:11 pm Post subject: |
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See that's the thing, I do believe in the olden days payphones were readily available in all halls. I know of very few that have them now, most individual bedrooms have landlines but those cost around 75 quid to connect (or they did during my attempt at uni in 2003!) and then silly money per quarter to run.
As for keeping in touch by letter, wow, that really does sound delightfully quaint. I do know a few people in long distance relationships who practice the art of letter writing, however if this was the primary form of communication I can't see how the relationship wouldn't die a gradual death. Maybe we really have become infinitely more impatient over the course of ten years. I am considering writing to my boyfriend when I'm away TEFLing, but only really to supplement phone calls.
God, this history of student support being gradually stripped away is turning into a catalogue of doom and gloom all right. Whatever happened to good old fashioned lefty rioting, eh?  |
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Marcoregano

Joined: 19 May 2003 Posts: 872 Location: Hong Kong
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Posted: Mon Jan 05, 2009 7:14 am Post subject: |
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| Teacher in Rome wrote: |
| I don't remember that we were able to sign on during any holidays - which was why we all got summer jobs. |
I graduated in 1983 (yikes - starting to feel old around here!). If I recall correctly, we were able to sign on in the summer hols, but not during Easter or Xmas hols. And as someone pointed out, in those days we got our fees paid and a grant which varied depending on how well-off your parents were. I received the full grant and signed on every summer (it was HARD to find even summer jobs in those days!), but still managed to run up an overdraft of about 1,500 pounds by the time I graduated. God knows what my debts would be if I was a student thesedays.
Interesting that a poster above seems to think that by your 30s you should expect to be earning around 30K as a UK graduate. I have always been somewhat bemused by 'supposed' graduate earnings in the UK - I still know relatively few of my peer group who earn much over 30K. I remember a few years ago reading a report in the Guardian which said that average graduate earnings had reached 20K or so three years after graduation. In the same paper that same day there were plenty of job ads requesting graduates with around five years of relevant experience offering around 15-17K! WTF? |
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Madame J
Joined: 15 Feb 2007 Posts: 239 Location: Oxford, United Kingdom
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Posted: Mon Jan 05, 2009 2:07 pm Post subject: |
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20K three years after graduation.
I'm sure that's the kind of rubbish I was fed during my A Levels, but I've found that most graduates I know who left university a similar time period previously are only just escaping the call centre. Then again, most of my graduate friends did some sort of arts related degree...
I suppose your overdraft is likely to have been similar whether you received a grant or not-after all, a loan only becomes a loan once you're earning over the 15K threshold. |
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SueH
Joined: 01 Feb 2003 Posts: 1022 Location: Northern Italy
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Posted: Wed Jan 07, 2009 2:38 pm Post subject: |
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Well, I graduated from the same university as TeacherinRome, but way back in 1976 when only about 5% of the population went to uni. (Hope you are feeling younger now marcoregano!). I was never in debt but in those days had a grant (I'd never had money of my own before) and holiday jobs: Christmas post, packing factories, tobacco picking and one Christmas a couple of weeks work as a general labourer on a building site 150 yards from home! Mainly making bacon butties in the site canteen but some general sweeping and stacking bricks: I was even fitter in those days!
I never quite made 30k by the time I left my 'career' in 2000, but that was because I barely rendered unto Caesar that which was Caesar's: I didn't really fit the corporate world even if I was too scared to leave. Ultimately boredom forced me to. Financially not a good move to jump but more fun and interest.
Anyway, back to lesson planning for the kids. Incidentally I have just officially signed for a footie team here: that also keeps me young although I'm old enough to be the granny of some of the youngsters. |
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Chirimolla
Joined: 12 Dec 2008 Posts: 6 Location: Yorkshire, England
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Posted: Sun Feb 01, 2009 12:47 am Post subject: |
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| basiltherat wrote: |
Looking on the positive side, with the prospect that the UK Gov might start to act more frugally in respect to public expenditure where and when it can, and rid itself of its addiction to political correctness as well as rethink its fascination of the Eurpean human rights charter, perhaps those prospective scroungers who are thinking of smuggling themselves into the UK to sponge off the state will begin to change their minds about coming over. Perhaps, then, the UK can start focusing on helping its own nationals.
Up to now, Britain is the only country I can think of that you can arrive in without any visa, passport or any other sort of identification, claim political asylum (yeah, right; 'sure you're being persecuted in your country') and be supplied with all the creature comforts that even a british national doesnt have despite having been working day in day out. Hopefully, soon, the Gov will run the country like every other; 'No visa ? Go back to where you came from !' 'No passport ? Go direct to jail !' (and do NOT collect your 200 quid !) The current system is utterly nonsensical.
IMHO we might soon see one of the most crucial demographic changes in some time in the UK. Thank God.
Best
Basil  |
As an experiment, try reading a newspaper that isn't the Sun, News of the World, or Daily Mail.
You may find, among other things, that asylum applications have fallen considerably in recent years, that the vast majority of this country's immigrants are hardworking, stay for only a few years, and have proper visas and passports. European human rights legislation is not about protecting foreigners, but protecting the rights of everyone, including hard-up British workers getting a raw deal from employers.
You may even find that there are thousands of more interesting and important things going on in the UK and in the rest of the world than the latest scaremongering about asylum seekers would lead you to believe. |
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fladude
Joined: 02 Feb 2009 Posts: 432
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Posted: Wed Feb 04, 2009 1:28 am Post subject: |
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| I've gotten into a bad situation due to my financial mismanagement which is making me look at working outside the USA. What happened to me was that I was working as a public defender in Florida making about 45k a year. It may sound ok, but consider that I had 90k in student loan debt and that working as a lawyer is expensive. You work very long hours (like 8 AM to 7 or 8 at night and sometimes later) and burn through expensive suits and shoes and are expected to live a certain lifestyle. And there is no public transportation in Florida, so you have to buy a car. All of this makes it virtually impossible to save a dime of income at 45k a year. So I decided I would go to work for a private company. Of course about the time I did that the company fired virtually everyone due to the downturn in the economy. Since I had only been at the company for a month, I didn't even qualify for unemployment. So I ended up unemployed. I started my own law firm but that didn't work out and eventually I defaulted on student loans. Now I basically can't work because the penalties on the debts are just too high. There is no way I can even pay my bills and pay back the huge fine that was imposed on me (about 40k on top of the 90k I already owe). So I'm just going to pack up and go. My decision may sound escapist, but seriously how can I live if they take 15 percent of my income for life (which is what they can seize) ? |
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roywebcafe
Joined: 13 Jan 2006 Posts: 259
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Posted: Wed Feb 04, 2009 2:58 pm Post subject: |
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| I wish this thread hadn't been started in a way. because more people might try tefl as a way out of a crisis and ergo causing the numbers in TEFL to increase making it more difficult to get a tefl job or a good one anyway. I don't like competition. |
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