So you're in favour of higher debt load?
- Feeling Glucky?

No, I'm in favour of living within our means, and running surpluses, and paying down the debt to a manageable level.

I'm sure you did not buy a house, that required a higher Mortgage that you could ever hope to repay in your lifetime.

Too many people I've known over the years, lived a "champagne lifestyle" will working at a "beer job" ........... and always had to work overtime just keep up with their payments, and never saving enough for their retirement, thinking that CPP will be there for them in the future, and magically keep them living a "champagne lifestyle".

No, I'm in favour of living within our means, and running surpluses, and paying down the debt to a manageable level.

I'm sure you did not buy a house, that required a higher Mortgage that you could ever hope to repay in your lifetime.

Too many people I've known over the years, lived a "champagne lifestyle" will working at a "beer job" ........... and always had to work overtime just keep up with their payments, and never saving enough for their retirement, thinking that CPP will be there for them in the future, and magically keep them living a "champagne lifestyle".
- D0PPELGANGER

So someone who wants an education they cannot afford should just be left without?

If we didn't have government subsidized healthcare, would you say that someone who splurged on a life-saving procedure was living a champagne life on a beer job?

So someone who wants an education they cannot afford should just be left without?

If we didn't have government subsidized healthcare, would you say that someone who splurged on a life-saving procedure was living a champagne life on a beer job?
- Feeling Glucky?

People who have parents that live on a beer job and cannot get education paid for in order to move up in the world should just die already.

So someone who wants an education they cannot afford should just be left without?

If we didn't have government subsidized healthcare, would you say that someone who splurged on a life-saving procedure was living a champagne life on a beer job?
- Feeling Glucky?

There is no "right" to a post secondary taxpayer funded education.

Students with good grades can win scholarships, other similar type of funding.

Smart parents should prioritize their Children(s) PS education by saving for it, from the day they're born.

They have to place a higher value on education than on vacations to Cuba every March, a second car, living in higher cost accommodations ............. in other words, do a better job of determining what's a "want" or a "need".

My Wife's parents did not have the money to pay for her University tuition, so she worked a number of jobs for a few years,after high-school, and we budgeted at the same time, so she could afford toattend University as a "mature" student in her early 20's ........ and kept working part time long enough for her to earn her two degrees.

I could list, for you, the number of things we did without, to suffice it to say that if anyone who wants an University education can find a way to get it, without expecting a handout from taxpayers.

There is no "right" to a post secondary taxpayer funded education.

Students with good grades can win scholarships, other similar type of funding.

Smart parents should prioritize their Children(s) PS education by saving for it, from the day they're born.

They have to place a higher value on education than on vacations to Cuba every March, a second car, living in higher cost accommodations ............. in other words, do a better job of determining what's a "want" or a "need".

My Wife's parents did not have the money to pay for her University tuition, so she worked a number of jobs for a few years,after high-school, and we budgeted at the same time, so she could afford toattend University as a "mature" student in her early 20's ........ and kept working part time long enough for her to earn her two degrees.

I could list, for you, the number of things we did without, to suffice it to say that if anyone who wants an University education can find a way to get it, without expecting a handout from taxpayers.
- D0PPELGANGER

Did any part of you think about how privileged and out of touch you are while typing this?

Did any part of you think about how privileged and out of touch you are while typing this?
- Feeling Glucky?

OH OH CAN I GUESS ?

OH OH CAN I GUESS ?
- -davies-

please.

There is no "right" to a post secondary taxpayer funded education.

Students with good grades can win scholarships, other similar type of funding.

Smart parents should prioritize their Children(s) PS education by saving for it, from the day they're born.

They have to place a higher value on education than on vacations to Cuba every March, a second car, living in higher cost accommodations ............. in other words, do a better job of determining what's a "want" or a "need".

My Wife's parents did not have the money to pay for her University tuition, so she worked a number of jobs for a few years,after high-school, and we budgeted at the same time, so she could afford toattend University as a "mature" student in her early 20's ........ and kept working part time long enough for her to earn her two degrees.

I could list, for you, the number of things we did without, to suffice it to say that if anyone who wants an University education can find a way to get it, without expecting a handout from taxpayers.
- D0PPELGANGER

What year was this? You've stated previously that you lived in Europe for several years as well, so one can assume this was quite some time ago.

Canadian full-time students in undergraduate programs paid, on average, $6,373 in tuition fees for the 2016/2017 academic year, 2.8% higher than the 2015/2016 average ($6,201). This increase was smaller than the 3.2% rise in tuition fees recorded in 2015/2016.

Now, if you make, say, $14 per hour, and your rent (with a roommate) is about $500 per month, how the hell are you supposed to save up 22% of your income (before tax) in order to pay for schooling?

If you were to take a second, part-time job, paying at the same rate, You're still looking at trying to save a full 5th of a pretty meager income.

What year was this? You've stated previously that you lived in Europe for several years as well, so one can assume this was quite some time ago.

Canadian full-time students in undergraduate programs paid, on average, $6,373 in tuition fees for the 2016/2017 academic year, 2.8% higher than the 2015/2016 average ($6,201). This increase was smaller than the 3.2% rise in tuition fees recorded in 2015/2016.

Now, if you make, say, $14 per hour, and your rent (with a roommate) is about $500 per month, how the hell are you supposed to save up 22% of your income (before tax) in order to pay for schooling?

If you were to take a second, part-time job, paying at the same rate, You're still looking at trying to save a full 5th of a pretty meager income.
- BINGO!

Oh, and Universities in Canada are typically subsidized by the Provincial Government, so tuitions would again be higher in order to make up for that substantial shortfall.

What year was this? You've stated previously that you lived in Europe for several years as well, so one can assume this was quite some time ago.

Canadian full-time students in undergraduate programs paid, on average, $6,373 in tuition fees for the 2016/2017 academic year, 2.8% higher than the 2015/2016 average ($6,201). This increase was smaller than the 3.2% rise in tuition fees recorded in 2015/2016.

Now, if you make, say, $14 per hour, and your rent (with a roommate) is about $500 per month, how the hell are you supposed to save up 22% of your income (before tax) in order to pay for schooling?

If you were to take a second, part-time job, paying at the same rate, You're still looking at trying to save a full 5th of a pretty meager income.
- BINGO!

Lets not forget that these tuition numbers are already subsidized by the government.

Also, attending a school in a city like Toronto means there's no way in hell you're only paying $500 for rent, even split with a roommate, unless you're living in the suburbs, in which case you need to factor in over $100/month for transit.

It gets pretty hard to work and go to school when you also have to worry about a daily commute, though.

Lets not forget that these tuition numbers are already subsidized by the government.

Also, attending a school in a city like Toronto means there's no way in hell you're only paying $500 for rent, even split with a roommate, unless you're living in the suburbs, in which case you need to factor in over $100/month for transit.

It gets pretty hard to work and go to school when you also have to worry about a daily commute, though.
- Feeling Glucky?

I just went by Regina numbers as I figure that's a pretty middle-oft-the-road/conservative estimate.

$14 an hour is also $2-3 higher than minimum wage, too, so god help you if you're stuck taking a job at Min. Wage like a lot of young folks with little or no qualifications are.

Lets not forget that these tuition numbers are already subsidized by the government.

Also, attending a school in a city like Toronto means there's no way in hell you're only paying $500 for rent, even split with a roommate, unless you're living in the suburbs, in which case you need to factor in over $100/month for transit.

It gets pretty hard to work and go to school when you also have to worry about a daily commute, though.
- Feeling Glucky?

Oh I'm quite aware that University Tuition, charged to students, comes no where near covering the actual cost of the Degree/program, and covers maybe a third of the total cost.

If you live in toronto, and want to graduate and attend University in toronto, live at home with your parents.

If that's not possible, there are other Universities in Canada, where is there is a much much lower cost of living........ so perhaps a move is in order.

Most University tuition, in large cities like toronto, already include a transit pass, whether the student uses it or not.


That's the difference between the Millennial generation, and previous generations......... millennials always look for reasons for how something "won't work" and therefore can't be done ..............rather that looking for ways to "make things" work........ and then doing what it takes to get it done.


Here's a little flashback for you ............. when I was in high-school, pretty much every student sought out, and found a "summer job" we would go downtown to "Manpower" and look through the job listings .......... and many friends of mine spent their summers picking tobacco in Tillsonburg for the summer, and saved their money for their University tuition.

Oh, and Universities in Canada are typically subsidized by the Provincial Government, so tuitions would again be higher in order to make up for that substantial shortfall.
- BINGO!

Looking at a more conservative country like the US, you start to see the problem with not having the government invest in it's people: you lose social mobility, and people in low income places tend to wind up staying there, while people born into a higher tax bracket get more opportunity, and the gap just widens.

Eventually these people get disenfranchised, and vote for anyone who pretends to be anti-establishment, but really just wants to make his rich buddies richer.

Oh I'm quite aware that University Tuition, charged to students, comes no where near covering the actual cost of the Degree/program, and covers maybe a third of the total cost.

If you live in toronto, and want to graduate and attend University in toronto, live at home with your parents.

If that's not possible, there are other Universities in Canada, where is there is a much much lower cost of living........ so perhaps a move is in order.

Most University tuition, in large cities like toronto, already include a transit pass, whether the student uses it or not.


That's the difference between the Millennial generation, and previous generations......... millennials always look for reasons for how something "won't work" and therefore can't be done ..............rather that looking for ways to "make things" work........ and then doing what it takes to get it done.


Here's a little flashback for you ............. when I was in high-school, pretty much every student sought out, and found a "summer job" we would go downtown to "Manpower" and look through the job listings .......... and many friends of mine spent their summers picking tobacco in Tillsonburg for the summer, and saved their money for their University tuition.
- D0PPELGANGER

You know it costs money to move, right?

It's remarkable how out of touch you are.

Oh I'm quite aware that University Tuition, charged to students, comes no where near covering the actual cost of the Degree/program, and covers maybe a third of the total cost.

If you live in toronto, and want to graduate and attend University in toronto, live at home with your parents.

If that's not possible, there are other Universities in Canada, where is there is a much much lower cost of living........ so perhaps a move is in order.

Most University tuition, in large cities like toronto, already include a transit pass, whether the student uses it or not.


That's the difference between the Millennial generation, and previous generations......... millennials always look for reasons for how something "won't work" and therefore can't be done ..............rather that looking for ways to "make things" work........ and then doing what it takes to get it done.


Here's a little flashback for you ............. when I was in high-school, pretty much every student sought out, and found a "summer job" we would go downtown to "Manpower" and look through the job listings .......... and many friends of mine spent their summers picking tobacco in Tillsonburg for the summer, and saved their money for their University tuition.
- D0PPELGANGER

I can unequivocally tell you that the bolded is false, having recently graduated from both a college and university in Toronto, and having to pay for transit if I wanted it... and also having friends who went to other universities and colleges in the city and also had to pay for transit.

Being a student in most of these post-secondary schools gives you access to a student ID that allows you to buy a student transit pass.

I also attended UWO roughly a decade ago, and had to pay for transit there. My on-campus residnce cost $800 back then(for a shared room). After that, I rented out an apartment in a lower tier building by the train tracks, that cost 1500/month for a 2 bedroom(I had a roommate).

Harping on millenials is pretty normal amongst low IQ people who can't understand how much the world has changed, and don't realize that jobs like tobacco picking aren't really done by hand anymore... and jesus did you just say people should be tobacco pickers to afford education? Do you not realize how (frank)ed up that is?

I can unequivocally tell you that the bolded is false, having recently graduated from both a college and university in Toronto, and having to pay for transit if I wanted it... and also having friends who went to other universities and colleges in the city and also had to pay for transit.

Being a student in most of these post-secondary schools gives you access to a student ID that allows you to buy a student transit pass.

I also attended UWO roughly a decade ago, and had to pay for transit there. My on-campus residnce cost $800 back then(for a shared room). After that, I rented out an apartment in a lower tier building by the train tracks, that cost 1500/month for a 2 bedroom(I had a roommate).

Harping on millenials is pretty normal amongst low IQ people who can't understand how much the world has changed, and don't realize that jobs like tobacco picking aren't really done by hand anymore... and jesus did you just say people should be tobacco pickers to afford education? Do you not realize how (frank)ed up that is?
- Feeling Glucky?

I mean, agriculture has advanced to the point where a 4500 acre farm with annual revenues over $1 million can be operated entirely by two guys, but yeah, go pick tobacco.

ahhh the halcyon days when picking tobacco for a summer paid for a year of higher education

I mean, agriculture has advanced to the point where a 4500 acre farm with annual revenues over $1 million can be operated entirely by two guys, but yeah, go pick tobacco.
- BINGO!

I'm just blown away that someone thinks working in a (literally) toxic environment should be one of the ways you earn your education.

I knew I should have taken up mercury taste testing... it paid $12/hour!

ahhh the halcyon days when picking tobacco for a summer paid for a year of higher education
- -davies-

It's like hearing someone say you should just save up for a couple of years to buy a house outright, rather than get a mortgage.

"Education should cost $9000 per year and you should grind your body into dust to try and pay for it so that rich folks who had it way better to begin with can have lower taxes."

"Education should cost $9000 per year and you should grind your body into dust to try and pay for it so that rich folks who had it way better to begin with can have lower taxes."
- BINGO!

"I didn't come from a family that wanted for food, and the necessities of life, that is my experience and I can only assume everyone else came from a similar situation or better, even a generation or more later, so they should be able to have the things I have, or they're just lazy/bad with money!"

good work

I can unequivocally tell you that the bolded is false, having recently graduated from both a college and university in Toronto, and having to pay for transit if I wanted it... and also having friends who went to other universities and colleges in the city and also had to pay for transit.

Being a student in most of these post-secondary schools gives you access to a student ID that allows you to buy a student transit pass.

I also attended UWO roughly a decade ago, and had to pay for transit there. My on-campus residnce cost $800 back then(for a shared room). After that, I rented out an apartment in a lower tier building by the train tracks, that cost 1500/month for a 2 bedroom(I had a roommate).

Harping on millenials is pretty normal amongst low IQ people who can't understand how much the world has changed, and don't realize that jobs like tobacco picking aren't really done by hand anymore... and jesus did you just say people should be tobacco pickers to afford education? Do you not realize how (frank)ed up that is?
- Feeling Glucky?

No you said students (today) should be tobacco pickers, I said that many high-school students, in the 70's, spent their summers picking tobacco in Tilsonburg......... it was an example to show you how students, in the 70's, did what it took to earn money to put towards their University educations ................. they didn't protest or lobby the government to raise taxes on every taxpayer, so they could go to University 100% on the taxpayers dime.

There are many jobs that millennials could have done, in Ontario, if they wanted to, over the past 20 years, but would not do .......... for reasons that previous generations did not use.



Times have changed.......... both Universities in Ottawa and the College too, include a Student transit pass in their tuition fees, and have so for at least the last 6 years.

A quick search also shows many other Canadian Universities that do the same.

It also seems that this is true in toronto too, if I'm reading this correctly

https://www.utm.utoronto.ca/sas/upass

Yes, technically you're paying for it (U Pass) with tuition, at a much reduced rate because it's mandatory for all students .............. and don't forget, Stephen Harper brought in the Student Transit Pass tax credit .................... oh wait !

No you said students (today) should be tobacco pickers, I said that many high-school students, in the 70's, spent their summers picking tobacco in Tilsonburg......... it was an example to show you how students, in the 70's, did what it took to earn money to put towards their University educations ................. they didn't protest or lobby the government to raise taxes on every taxpayer, so they could go to University 100% on the taxpayers dime.

There are many jobs that millennials could have done, in Ontario, if they wanted to, over the past 20 years, but would not do .......... for reasons that previous generations did not use.



Times have changed.......... both Universities in Ottawa and the College too, include a Student transit pass in their tuition fees, and have so for at least the last 6 years.

A quick search also shows many other Canadian Universities that do the same.

It also seems that this is true in toronto too, if I'm reading this correctly

https://www.utm.utoronto.ca/sas/upass

Yes, technically you're paying for it (U Pass) with tuition, at a much reduced rate because it's mandatory for all students .............. and don't forget, Stephen Harper brought in the Student Transit Pass tax credit .................... oh wait !
- D0PPELGANGER

Care to outline the vast quantity of easily obtained jobs that Millenials aren't taking?

University of Toronto Mississauga campus, as the name might suggest, is not located in Toronto, but in Mississauga. The transit system they have is not the TTC. This link:
https://www.studentlife.u...ie/toronto-transportation clearly show that students have to pay a fee in addition to their tuition for TTC passes.

Also, you'll note that just because you can claim public transit, doesn't mean you get all the money back. Generally speaking, it's 15%... so yay, you get the tax off.

Care to outline the vast quantity of easily obtained jobs that Millenials aren't taking?

University of Toronto Mississauga campus, as the name might suggest, is not located in Toronto, but in Mississauga. The transit system they have is not the TTC. This link:
https://www.studentlife.u...ie/toronto-transportation clearly show that students have to pay a fee in addition to their tuition for TTC passes.

Also, you'll note that just because you can claim public transit, doesn't mean you get all the money back. Generally speaking, it's 15%... so yay, you get the tax off.
- Feeling Glucky?

Actually Tru-D'Oh took away the Public Transit pass tax credit just last week.