Student Loan Debt Is Worse Than They Tell Us

Student Loan Debt:

Worse Than They Tell Us

By Jones William & D. S. Mitchell

Student Debt

There is a black cloud on the American economic horizon. Student loan debt has tripled over the last fifteen years. According to the Federal Reserve in the first quarter of 2018 student loan debt had ballooned to over $1.52 trillion and is expected to swell to $2 trillion by 2020. Forty four million Americans are carrying student loan debt, with about 7 million borrowers in loan default. The average student loan obligation exceeds $37,000. Forty per cent of borrowers are expected to fall behind on their loans by 2023.

Times Change

Over the last forty years there has been unrelenting pressure on young people to go to college. Many of these students in the past would have been redirected to vocational programs, but apprentice programs like electricians, plumbers and equipment operators have been ignored for the promise of a college degree and the anticipated financial benefits of over $1.2 million dollars in increased lifetime earnings potential. A notable side effect of this move to “college for all” is, under the current system, a lifetime of debt.

Then And Now

College costs have outpaced the Consumer Price Index more than four fold since 1985. The availability of federally backed tuition assistance has made it relatively easy for students to pay for college, but leaving them with a life time debt burden. Things have changed dramatically. I graduated from college in 1972. I was the first member of my family to ever even try such folly. I did it in four years using a cluster of five ( yes, I said 5) small scholarships and a summer job. I left college with a degree in nursing and most important, no student loan debt. The growth of tuition costs relative to teen wages-in fact, all wages-has turned dramatically upwards and what I did would be almost impossible today.

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Self-Improvement 2019

Self-Improvement 2019

By Brett Kondratiew

A Crack In The Mirror

It’s that time again, when we make all those ridiculous new year’s resolutions. What is it about a new year that makes us want to change our ways? I guess it’s the clean slate theory. We act as if we can erase years of bad behavior with a couple promises made to the bathroom mirror. It should be no surprise that making goals to self improve, like losing weight, quitting smoking, or getting fit get broken faster than they are made!

Small Goals Bring Big Results

This most often occurs, because the change in lifestyle we want is dramatically different from the one we are living. A new and better way to actually achieve self-improvement in 2019 is to set small goals that are more generic and achievable, albeit with some effort. Instead of committing to lose fifty pounds by June it might make more sense to promise to forego that 650 calorie morning cappuccino and maybe add a 15 minute walk at noon. If you make no other changes in diet or exercise you will likely lose about 25 pounds by June. Amazing. Not 50 pounds but the smaller goals actually leads to improved health by building habits thru small actions. If you continue your new altered behaviors, you are only 6 months away from that dreamed of 50 pound weight loss. Yes, we can achieve self-improvement goals, by shrinking our expectations to match the reality of our lives.

Be Positive About Self

One of the biggest obstacles you will face regarding self-improvement is self perception. Avoid self-criticism; everyone makes mistakes so stop getting down on yourself!  Stop beating yourself up. Embrace Thomas Edison’s quote “I haven’t failed. I’ve just found 10,000 ways that won’t work”. The sooner we accept that we aren’t perfect, the quicker self-improvement can be achieved.  Continue reading

Poison Candy: The Politics of Black Comedy

POISON CANDY:

THE POLITICS OF BLACK COMEDY

By Trevor K. McNeil

A Laughing Matter

Life can be really rough. Precious few people really have an easy go of it and even those who do don’t tend to recognize it at the time.  A situation which can lead to what social-psychologists call “anomie.” This odd little word, which sounds a bit like a fringe French filmmaker, refers to a low-level anxiety and depression brought about by societal conditions. Fortunately we have a way to fight back. To “kick at the darkness ‘til it bleeds daylight”, as Bruce Cockburn once put it.

It Comes Naturally

Humor, is one of the most powerful forces known to humanity. It can comfort as well as cut and heal as well as destroy. It was one of the first things humans learned how to do. There is now research that suggests that early humans were able to laugh before they could speak. It is little wonder then that people have used humor to deal with their lot in society since the concept of society was conceived. Particularly in terms of Black Comedy and its partner Gallows Humor.

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Opinion: Choose To Re-Use and Re-Purpose

Opinion: Choose To Re-Use

REFUSE THE REFUSE….. CHOOSE TO RE-USE

By Jennifer Troy

Organic and Natural

The amount of “wasteful waste” accumulated everyday, world-wide is staggering. Here in my corner of the world, Portland, Oregon, waste is everywhere. We have careless waste, we have intentional waste, we have good intentioned waste, we have plastic waste and we have paper waste, just to mention a few.  It is my wish to draw attention to waste that need not be wasted. Sometimes we accept a premise just because everyone else seems to accept it. Human beings are sheep.  I hope to convince you that often the things we do because we think it is the “right” thing for the environment may in fact be short-sighted and wrong. Shockingly, “organic” and “natural” may not always be the best answer.  I believe with all of my heart re-use and re-purpose in the end will be the best way forward.

Paper or Plastic?

Take as an example, the recent “Paper or Plastic” epidemic sweeping through the nation. We did it!  We finally got the public involved in saving the environment by ousting plastic and replacing it with the greener choice of paper. We’ve been so successful that half the rain forests of the Pacific NW and elsewhere are being systematically destroyed, not to mention the massive amount of paper in its many forms is now rotting in our landfills. Repeat after me, “re-use and re-purpose”.

Re-Use and Re-Purpose

Plastic or Progress?

Paper or Progress?

Natural means natural…. not sustainable, durable or reusable as it’s synthetic counterparts. “Synthetic”? “Synthetic”? That means man-made. Yes, man-made. These textiles were designed to be reused. Designed to be washed and NOT discarded. Why on earth have we put so much energy into creating, recycling and re-purposing plastic if we’re now simply going to ban it? Wake up, America there is a better way, there is progress.

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Beto O’Rourke 2020

Beto O’Rourke 2020

By Megan Wallin

He Could Be a Contender

An eloquent and articulate speaker with a thin frame and the pledge to run a “positive campaign” goes head to head against a well-established member of the GOP—and loses. Except for that last bit, the tale sounds rather familiar, doesn’t it?

More White Maleness

It hasn’t been that long since the phenomenon of Barack Obama’s explosive crash landing on to our political center stage, and yet the nation already seems thirsty for another new face.  This time, we have someone who would seem, by our nation’s historic standards of maleness and whiteness, to be almost too much of the good old boys.  One of the club.  One of the elite. I have heard him compared to Bobby Kennedy. I have listened to many Bobby speeches and there is a passion for the common man (woman) in the language of each man. Something that is sadly missing from today’s political hyperbole.

Privileged In All the Right Ways

His true first name is Robert. Beto is a Spanish nickname for Robert. Relating to Hispanic voters is definitely an advantage in Latino heavy Texas.  But, everyone knows he is a white guy.  People do not refuse to support him based solely on the color of his skin. He doesn’t have birthers spreading rumors about his heritage, allegiance, or religion. He didn’t run against a war hero. He didn’t even run against a popular opponent. But, he lost…to Ted Cruz.

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EDITORIAL: Final Shutdown

FINAL SHUTDOWN

By Trevor K. McNeil

Promises, Promises

Always keep your promises. This is what we teach our children from when they are very young. One pitfall to this maxim most adults don’t take into account when socializing with the little ones is that kids for the most part have an extremely literal world view.

No Matter How Cock-eyed

Yes, it is generally good to try and keep the promises one makes, particularly if one wants to cultivate a reputation for honesty and trust worthiness. It is not, however, needed that one stick entirely to the literal content of a promise no matter how blinkered, mad or cock-eyed it might be; or what unforeseen havoc it might wreak. This is why there is so often a distinction made between a threat and a promise, though in some ways, a promise can be far more frightening.

Political Promises

A relaxed attitude towards political promises is something that politicians know instinctively. In fact it is  as much a part of our system of government as gerrymandering or the Bill of Rights; something most politicians understand implicitly and are able to do as easily and unconsciously as they walk or breath. You will notice that I said “most.”

One of A Kind Is Not Always A Good Thing

There are many ways in which Donald John Trump is not like other politicians (or indeed other humans). Many of these have been commented on before and are obvious to those with the most cursory understanding of the American political system. It is not, for example, usual for a President to openly Tweet about government business, or use an unsecured cell phone, or invite Russian officials into the Oval Office. My head is still spinning.

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Editorial: Government Closure

Government Closure:

Who to Blame and the Effects

By Jones William

He Wants More Money

President Donald Trump’s government technically made a partial government closure at 0000 hours on 22 December 2018 for the third time. This was after the Senate failed to  break a deadlock over the president’s call for a ridiculous amount of money to build a wall on our southern border.  Trump promised a wall and Mexico would pay for it. Well that’s not happening, so Trump is now demanding $5 billion from the American taxpayer to fund his border wall or he will bluster and roar and continue the government closure.

Working Without Pay

The government closure is only a partial shutdown. Because Congress and Trump had earlier approved funding bills of $1.3 trillion for three-quarters for the operation of federal agencies. That meant that only some agencies would be shut after December 21, when funding ran out. Even so, the essential employees in those agencies will be required to continue reporting to work, knowing they will be working without pay until the government re-opens. This new partial government closure effects nearly a million government employees, their families, their creditors.

I’ll Take The Heat

President Trump told all of America he would be the one to  blame for the government closure. He publicly declared before reporters in the Oval Office that he would be ‘proud’ to have a government shutdown.  His sentiments were even echoed by Stephen Miller, the chief strategist of the Trump anti-immigrant policy. After the closure for 16 days in 2013, a poll by Washington Post-ABC News indicated that many Americans placed the responsibility for the stalemate in 2013 on Republicans not on Barack Obama.

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EDITORIAL: The Curious Case of Gavin McInnes

EDITORIAL

The Curious Case of Gavin McInnes

By Trevor K. McNeil

Autocrats Abound

Many people are attracted to powerful leaders. A fact of life validated by the history books. From the leaders of Ancient Rome or China and codified, without a trace of irony, by Niccolo Machiavelli (the origin of the term “Machiavellian”) in the 16th century. There are, of course, more recent and terrible examples but it is best not to evoke the wrath of Godwin.

Distasteful and Corrupt

Distasteful as it might be to contemplate, Donald J. Trump is among the ranks of such leaders. It is really the only way to explain his continued support even in the face of a plethora of scandals that make the Targaryens look like the Rockefellers. Despite this, or maybe because of it, there has been a noticeable raise in the number of what might be called “traditionalist” groups since The Great Orange One’s gobsmacking ascension to the very heights of power.

Ugly Americans

One of the more confusing of the groups to come out of the pro-Trump frenzy was the so-called “Proud Boys”. A self-described “fraternal organization”.  The group was not actually as bad as some. At least when it came to terms of prejudice. While all such groups claim to have members who are LGBTQ or POCs, particularly in terms of deflecting claims of racial or hetero-normative prejudice, the Proud Boys actually do. The primary requirements for membership being that one be a male and “proudly” proclaim that “West is best”.

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The Emergence of Digital Currency

The Emergence of Digital Currency

By Jones William & D. S. Mitchell

“Cryptocurrency is a digital or ‘virtual’ currency that uses cryptography for security,”  Wikipedia

Who is Satoshi Nakamoto?

The first of two milestones in the development of cryptocurrency took place in 2008 and 2009.  The domain name bitcoin.org was registered on August 18th, 2008.  In 2009, a programmer/inventor known only by the pseudonym, Satoshi Nakamoto announced he had found a way to build a decentralized digital cash system.  The mysterious “Satoshi Nakamoto” published a paper “Bitcoin: A peer-to-peer Electronic Cash System”.  In his paper Nakamoto described a totally decentralized digital currency, with no server or central authority, thus setting the ball rolling for the emergence of digital currency.

Minimizing Duplication

Digital currencies use extremely complex encrypt sensitive data transfers to secure the units of exchange. In this regard, digital currency developers build complex code systems based on advanced computer engineering and mathematics principles. This approach renders them almost impossible to break, thus minimizing chances of duplication. The adopted protocols for digital currencies also help mask the identities of cryptocurrency users, thus making it difficult to attribute fund flows and transactions to specific people.

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I Resolve To Have a Happy New Year


Happy New Year!

By Ross Turner

Welcome to 2019!

If it’s anything like 2018, it will be both over before you know it and close sometime in late 2035. But fret not; if the paradoxical currents of time have you feeling disoriented, it’s probably not that days-old mimosa you finally finished. It is much more likely the dizzying flurry of news, tweets, and arguments constantly vying for your attention. The country is changing and more divided than ever before, and every Tom, Dick and Harry is ready to prove it. So, in the spirit of retaining and regaining a little sanity, here are some helpful New Year’s resolution ideas for you and yours, for when 2019 is taking too long or moving too fast.

Less Face Time

I resolve

I resolve to use proper and attractive lighting

I, _______, hereby resolve to spend no longer than four hours per day on Facebook, and to limit my political arguments to two. At a time. Unless people are especially wrong, because are you really going to let that go?

I, _______, henceforth resolve to Instagram no more than one (1) meal per day and to use proper and attractive lighting so that my minced jackfruit soufflé doesn’t resemble spoiled dog food. I will also sharply limit my use of the following Snapchat filters: Big Eyes and Mouth, Big Glasses and Freckles, Crown of Flowers, Crown of Butterflies, Crown of Thorns (alleged), and Cat Ears and Nose. Dog Ears and Nose shall be used exclusively for Good Boys of the canine variety. Face-Swap is always okay.

I, _______, from this point resolve to keep my tweets to under 25 a day, to master Proper use of Capitalization and Speling, to be more consistent and transparent in my lies, to make new Fox and Friends, to learn to President good like Putin, and to finally put Eric up for adoption.

Go Outside!

Frantic bird house painting

Financially induced panic birdhouse painting

I, _______, solemnly resolve to get out in nature at least once a month, and to leave my cellphone at home. Well, maybe in the car. But I should put in my purse just in case. Hold on, I’m getting a call.

I, _______, resolutely resolve to pick up a new hobby this year, among them possibly: anxiety knitting, stress furniture-making, worry yoga, neurotic beekeeping, fret cycling, financially induced panic bird house painting, or CrossFit.

I, _______, resolve to resolve to meet new people, have their backs, help them up when they fall, carry them up wind from tear gas, bring ample water and protective gear, have a clear list of demands, make the elites tremble, fear nothing but fear itself, E pluribus unum.

You Can Do It

I, _______, here and now resolve to eat more healthily. I resolve to have a salad with every pizza, to drink more water than I get from opening my mouth under the shower head, and eat at least one entire stick of celery, for some reason. And, from now on, only unfrosted Pop-Tarts. It’s time to grow up.

I, _______, decidedly resolve to kick a few of my vices. No longer shall I have my pre-glass of wine before wine. No more will I procrastinate on the things I really need to do, starting tomorrow. Never again will I eat half a box of cookies before bed, even though they’re sitting there, right by the bed, right now, just waiting, so delicious.

I, _______, finally resolve to take care of myself, to spend more time around the good people in my life and let them know they’re appreciated, to slow down a bit and enjoy the small things, and of course, to bumble through my resolutions and sometimes fail, knowing I’ll get another chance soon enough.

With this exhaustive list of all possible resolutions in mind, there’s no way this won’t be your best year ever. And if it’s not, that’s okay. 2035 is right around the corner.