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Stan Rogers
Joined: 20 Aug 2010
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 Posted: Tue Jun 24, 2014 11:29 pm Post subject: |
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| Weigookin74 wrote: |
| Stan Rogers wrote: |
| ttompatz wrote: |
The problem with that is that it doesn't follow you home should you ever decide to return.
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The guy I know is never going back. He's not a teacher. He has a felony on his record and can't get a good job in America because of something that happened 20 years ago when he was a college student.
The government doesn't care about his problems so why should he care about their's? |
As long as he can legally stay and has permanent residence in this new country, I guess it'll work out. He prob could get rid of his criminal record and apply for a pardon. Know a Canadadian dude who is in a similiar situation. HE's an F5 now, married with kids here. But for several eyars, it was touch and go with his wife having a temper and always threatening to divorce him. Needless to say, he had nothing to go back to and was very stressed for a long time. He had a criminal record back home and defaulted on everything. He's built him self some credit here. One of the rare ones, it has worked out for. But, if he went home, he'd have to apply for a pardon with the RCMP and have a lot of money saved to finance a restart back home. He has no credit history in Canada now. |
Pardons are not cheap in Canada anymore and are by no means guaranteed.
I suggested to the guy I know that he apply for a pardon. But he feels that he did his short time in jail and that should be it. But after he "paid his debt to society" society wanted to keep on ruining his job prospects. He tried several times to find work back in the U.S. but the felony of long ago kept resurfacing in job interviews.
He sees a pardon application as the equivelent of him having to kiss the government's a$$. He believes the punishment he was given 20 years ago just changed into new kind of lifelong penalty that the judge never said anything about. Defaulting was his way of flipping them all the bird. |
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Weigookin74
Joined: 26 Oct 2009
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| Posted: Wed Jun 25, 2014 10:41 pm Post subject: |
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| Stan Rogers wrote: |
| Weigookin74 wrote: |
| Stan Rogers wrote: |
| ttompatz wrote: |
The problem with that is that it doesn't follow you home should you ever decide to return.
. |
The guy I know is never going back. He's not a teacher. He has a felony on his record and can't get a good job in America because of something that happened 20 years ago when he was a college student.
The government doesn't care about his problems so why should he care about their's? |
As long as he can legally stay and has permanent residence in this new country, I guess it'll work out. He prob could get rid of his criminal record and apply for a pardon. Know a Canadadian dude who is in a similiar situation. HE's an F5 now, married with kids here. But for several eyars, it was touch and go with his wife having a temper and always threatening to divorce him. Needless to say, he had nothing to go back to and was very stressed for a long time. He had a criminal record back home and defaulted on everything. He's built him self some credit here. One of the rare ones, it has worked out for. But, if he went home, he'd have to apply for a pardon with the RCMP and have a lot of money saved to finance a restart back home. He has no credit history in Canada now. |
Pardons are not cheap in Canada anymore and are by no means guaranteed.
I suggested to the guy I know that he apply for a pardon. But he feels that he did his short time in jail and that should be it. But after he "paid his debt to society" society wanted to keep on ruining his job prospects. He tried several times to find work back in the U.S. but the felony of long ago kept resurfacing in job interviews.
He sees a pardon application as the equivelent of him having to kiss the government's a$$. He believes the punishment he was given 20 years ago just changed into new kind of lifelong penalty that the judge never said anything about. Defaulting was his way of flipping them all the bird. |
Yeah, I can sympathize. So many years of good behaviour ought to have at least some crimes fall off automatically. Planned murder, rapes, sex crimes against kids ought to stay on for life. But getting into a fistfight, having a DUI, some minor theft, drug deal, etc ought to fall off. Maybe a long time with a clean record it falls off. Either that or charge some of these companies a higher tax to pay the cost of keeping them all on welfare. Even before I left Canada, it was surprising how many jobs asked for a criminal record check compared to before.
Anyways, it's great to have principals, but getting that gone is prob good. If he can lose the record it'll help him a lot.
Anyone know how much a pardon costs nowadays? I'd like to pass the info on. |
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Weigookin74
Joined: 26 Oct 2009
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| Posted: Wed Jun 25, 2014 10:44 pm Post subject: |
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Stateside it seems. I think Canadians have more consumer protections; but we seem to graduate higher in debt than more Americans. We're pretty capitalist nowadays, but retain at least some socialist leanings of the past in the sense banks can't exploit you to the same degree. As I mentioned it's harder to get credit than in the USA because of it, but it's prob not such a bad thing. |
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Weigookin74
Joined: 26 Oct 2009
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| Posted: Wed Jun 25, 2014 10:49 pm Post subject: |
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| Weigookin74 wrote: |
Stateside it seems. I think Canadians have more consumer protections; but we seem to graduate higher in debt than more Americans. We're pretty capitalist nowadays, but retain at least some socialist leanings of the past in the sense banks can't exploit you to the same degree. As I mentioned it's harder to get credit than in the USA because of it, but it's prob not such a bad thing. |
If this quote from the article is true,
""In fact, the share of income that young adults are devoting to loan repayment has remained fairly steady over the last two decades, according to data the Brookings Institutions is releasing on Tuesday. Only 7 percent of young-adult households with education debt have $50,000 or more of it. By contrast, 58 percent of such households have less than $10,000 in debt, and an additional 18 percent have between $10,000 and $20,000.""
It would explain the trend I've seen among many younger Americans I've met showing up here. Most with very low debt or none. A few with debt like I had. A few more still with debt much much higher.
A 10 K debt, someone could just hop a plane to Asia and repay that debt fast. A depressed won and wages the same as several years ago seems to not affect those types too much. (Just affects us vets who want wages to rise.) |
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FriendlyDaegu
Joined: 26 Aug 2012
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| Posted: Thu Jul 17, 2014 2:39 am Post subject: |
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| I'm not anything close to an expert on these issues, but that article seems pretty disingenuous to my eyes.. It starts off talking about the hype of student debt amounts (real dollar figures), then does almost nothing to disprove it. The author's main point is that what he calls "burden" (share of income per month) has not increased. He gives only one sentence to the trend of actual student debt, admitting it's rising after adjusting for inflation. He then states this is combatted by rising incomes. But are incomes rising with adjustment for inflation? Not for most Americans. Also, why focus on the debt burden of graduates? That is ignoring the large proportion of students who took on debt and then stopped school for some reason. We should be including them in any talk of student debt trends, since they are the most burdened, presumably. |
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Kuros
Joined: 27 Apr 2004
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| Posted: Thu Jul 17, 2014 4:17 pm Post subject: |
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| FriendlyDaegu wrote: |
| I'm not anything close to an expert on these issues, but that article seems pretty disingenuous to my eyes.. It starts off talking about the hype of student debt amounts (real dollar figures), then does almost nothing to disprove it. The author's main point is that what he calls "burden" (share of income per month) has not increased. He gives only one sentence to the trend of actual student debt, admitting it's rising after adjusting for inflation. He then states this is combatted by rising incomes. But are incomes rising with adjustment for inflation? Not for most Americans. Also, why focus on the debt burden of graduates? That is ignoring the large proportion of students who took on debt and then stopped school for some reason. We should be including them in any talk of student debt trends, since they are the most burdened, presumably. |
I side with FriendlyDaegu. From the article:
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| The misperceptions matter because they distract us from the real trouble with our higher education system. It’s not the graduates of expensive colleges who are struggling to get started on a career. Such graduates make for good stories (and they tend to involve the peer group of journalists), but history suggests that most of them will do just fine. |
History does not provide a path for what the future may hold. In many cases, graduates with expensive degrees face worse job prospects and lower pay than graduates from earlier eras. The student loan debt crisis does not occur in isolation, but is a continuation of the housing crisis and the debt crisis and is a part of the jobs crisis and our low-growth future. |
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Yaya
Joined: 25 Feb 2003
Location: Seoul
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edwardcatflap
Joined: 22 Mar 2009
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| Posted: Sun Aug 17, 2014 7:04 pm Post subject: |
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These people are scum for profiteering from young people's dreams. However young people really have to wise up to what a huge investment they're making in education and how much, if at all, it's going to pay off. |
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KimchiNinja
Joined: 01 May 2012
Location: Gangnam
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| Posted: Sun Aug 17, 2014 7:47 pm Post subject: |
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| edwardcatflap wrote: |
These people are scum for profiteering from young people's dreams. |
Meh, we can say they are scum, but it's the way things are, and the way things have always been. Even if one of the profiteers tells the masses "you are going to get burned on this financial deal", the masses will still do it, get burned, and then cry about it. |
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edwardcatflap
Joined: 22 Mar 2009
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| Posted: Sun Aug 17, 2014 8:09 pm Post subject: |
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| Meh, we can say they are scum, but it's the way things are, and the way things have always been |
Not necessarily. in the past they would have had to take some responsibility for the debts their customers racked up to buy their services. Or the customers wouldn't have been able to get the funds in the first place. Now with the government's help they can reap the benefits of the huge loans being handed out and not have to worry about whether they're ever going to be paid off. |
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KimchiNinja
Joined: 01 May 2012
Location: Gangnam
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| Posted: Sun Aug 17, 2014 8:11 pm Post subject: |
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| edwardcatflap wrote: |
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| Meh, we can say they are scum, but it's the way things are, and the way things have always been |
Not necessarily. in the past they would have had to take some responsibility for the debts their customers racked up to buy their services. |
The finance industry take responsibility? Cmon man... |
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radcon
Joined: 23 May 2011
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| Posted: Mon Aug 18, 2014 2:16 pm Post subject: |
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| edwardcatflap wrote: |
| Quote: |
| Meh, we can say they are scum, but it's the way things are, and the way things have always been |
Not necessarily. in the past they would have had to take some responsibility for the debts their customers racked up to buy their services. Or the customers wouldn't have been able to get the funds in the first place. Now with the government's help they can reap the benefits of the huge loans being handed out and not have to worry about whether they're ever going to be paid off. |
The banks hope the student loan borrowers default. Then the government immediately pays off the balance and the bank sells the debt to collection agencies which then aggressively pursue repayment from the student. Great system we have there. |
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KimchiNinja
Joined: 01 May 2012
Location: Gangnam
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| Posted: Mon Aug 18, 2014 3:43 pm Post subject: |
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| Exactly, why take responsibility when you can just get the government to pay. |
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Lucas
Joined: 11 Sep 2012
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| Posted: Tue Aug 19, 2014 3:26 pm Post subject: |
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They can always come to Korea and 'live the dream'  |
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PureLuck
Joined: 06 Jun 2014
Location: Seoul
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| Posted: Sun Sep 07, 2014 11:38 pm Post subject: |
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| I have a mountain of debt back home and the idea of just ignoring it is seriously tempting. Most of my creditors lent me money without any collateral, just giving me the benefit of the doubt of repayment, which was stupid on their part. One of my cards is a Capital One mastercard. I wrote "unemployed" on the application form and they still approved it. I'll still pay them back, sure, because I believe in honouring my debts, but I definitely understand people who don't. |
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