When you say things like "we follow the teachings of..." it makes you sound crazy.

And just because you have a credit card doesn't mean you are going to end up in debtor's prison. If you use them responsibly and pay off the entire balance every month you don't have to worry about fees. Your credit abstinence is like cutting off your husband's penis so you never have sex, when you could just as easily not have sex, or use birth control.

I ordered a TV online from Best Buy, for in store pickup. The TV arrived a few days later, I picked it up, took it home, set it up, and while putting the TV box into storage, realized it was a higher model TV than the one I ordered. The price difference was $300-$400. I kept it.

1- Don't take personal calls at your desk. We don't want to hear about your entire life
2- Don't laugh out loud when you are watching youtube videos. Your audible goofing off reminds me that I could just as easily goof off, and I don't have time to goof off.
3 - Don't walk into a room and announce your presence. We don't care.
4 - Don't use slang to try to appear cool in the office
5 - Don't ever talk about your diet or your points system, or whatever other stupid weight loss plan you are on. You are fat, and talking about food constantly isn't helping you.
6 - If you take the last of the coffee, make a new pot
7 - Do not bring the entire contents of your fridge from home and put it in the office fridge. You think you are going to make yourself a gourmet meal in the microwave, but what's going to happen is you forget about all your food in there and the entire fridge and kitchen needs to be fumigated when it all goes bad.
8 - If you see a book on my desk that I am reading in my free time, don't ever ask me "why are you reading that?" My life is not a Bill Hicks bit.
9 - Don't ever talk to yourself out loud telling yourself now its time to get back to work.
10 - Don't leave dishes in the kitchen sink. If you can put them in there you can just as easily run it under the water to clean it.

Let me make sure I understand. When they leave a notice of failed delivery because I was at work at the time of the delivery, like most people, and I go online and switch it so I can pick up at their distribution center, that is going to cost me $5? Or will it cost me only if I sign up for UPS My Choice?

The entire point of bankruptcy is to allow people a fresh start should they absolutely screw themselves financially. Yes, people should pay their debts if they could, but what good does it do the students and society to turn them into debt slaves for 30 years. What kind of risk taking dynamic society are we going to have if people cannot get rid of debts they acquired through taking a risk in education, the very risk that is pounded into their heads from the very moment they walk into kindergarten - you must go to college or you will be a failure. Yes, getting an education is a risk, just like the risk of starting a business, there is no guarantee of success. But why do we allow risky behavior in business to be written off, but we don't allow risk in developing a better educated workforce to be written off?

Interesting thought. If school costs are going to be inflated, then perhaps they need to cut out the crap class requirements that have no bearing on the degree. Did I really need to take 2 philosophy classes, 2 religion classes, a public speaking class, and social science classes to get a biology degree? No. The biology degree could have been completed in two and a half years tops. If I am paying a lot of money for a degree, don't force me to take a bunch of irrelevant and expensive electives. Its like if I want to buy a car, I shouldn't be forced to get a higher trim package than is necessary.

I had something similar with my student loans. I had a loan through my undergrad college, who transferred it to a different loan servicer while I was in law school. Since I was in law school I was in deferrment on the loan, but the new loan loan servicer didn't realize that, so they started sending me late notices. I spoke with several people at the college and the loan servicer, and they said they fixed the problem and I would no longer get late notices, which was true, I didn't get any more late notices. The problem was the loan servicer reported me to the credit agencies as been delinquent on my loans. When I got approved for my loans for my third year of law school I was shocked to see them at 12% rather than the 5% I had been getting. Unfortunately I was forced to take the loan or drop out of school. I didn't find out the reason for the rate increase until I saw my yearly credit report a few months later. It took me another 6 months to clear up the problem with the bad credit reporting, but I'm stuck with the bad loan for another 30 years. It pisses me off that I got screwed for the mistake of someone else.

Selling naming rights is better than selling off public assets to non-accountable private companies.

Students need to be told up front that student loans are a scam locking them into indentured servitude for the rest of their lives. I went to law school and paid for it all with student loans. (I was two years into law school when they changed the rules not allowing you to discharge student loans in bankruptcy unless you essentially die.) Some are federal stafford loans, but the majority are private loans. The sum total was $200k. Well, now the market for attorneys is permanently dead, and I'm stuck doing document review which is the only thing I can do to make enough money to meet my monthly payments on the student loans. In three years I've managed to put a little extra towards my loans to try to pay them off quicker and have paid them down to about $175k. However, now the document review work has dried up completely (thanks India!), the overall economy sucks, and the real estate market sucks so I can't even make any quick money doing closings. This year it looks like I'll make half of what I did last year, which means I'll have to get a forbearance, which will just add back to my principal. What the hell good is it to be locked into something that you cannot possibly pay off? I work my tail off to pay them off, then everything goes to hell and now I'll end up back in the same position as I was before, with another 30 years to go until my loans are paid. I am not going to be a productive member of society because I am going to be locked into whatever short term quick money fix I can get in order to pay my loans. The purpose of bankruptcy is that it lets people out of terrible burdens and start from scratch, but the lobbyists have shut down the ability of people to do that and are now mere drones sending in their monthly tithe.

Just move something else up in your queue.

I think I've been throttled a few times. I had the 4 at a time plan. They would mail me my discs on a Monday, I would get 2 of them on a Tuesday, 1 on a Wednesday, 1 on a Thursday. If I got them all on Tuesday as I should have, I could have returned them on Wednesday, they get them Thursday and send me some new ones, which I get by Friday, and return on Saturday so they receive on a Monday and keep the cycle going. When it takes multiple days to receive my discs it throws off the whole system.