Jamesb101.com

commentary on Politics and a little bit of everything else

Student Loan Debt……Forgiveness after how many years?

My wife and I have student loans from helping our three sons go to college….

We are part of the huge group of people who have borrowed money…..along with my sons..

To get them a higher education….

We’ll be paying those loans forever…..

Here’s some solace for us…..

Forgiveness…. after paying for decades……

From Liz Pulliam Weston @ The LA Times……

Dear Liz: I really screwed up. I decided I wanted to go to a private college and am now saddled with $145,000 in private student loans and $30,000 in federal student loans. I am working on my master’s degree and am about to have a child. I’m looking at payment options for when I graduate and am very scared for my family’s future. I can’t afford to pay $1,000 or more a month in student loans and I really want to buy a house so my family can have a home. What should I do?

Answer: You may have to give up your dream of homeownership. Maybe not forever, but probably for a long while.

The amount of debt you took on is staggering. In general, people shouldn’t borrow more for an education than they expect to make the first year out of school — and there aren’t many jobs that pay $175,000 at entry level.

Your options are few. You typically can’t erase student loans in bankruptcy, and there is no statute of limitations on the debt, meaning your lenders can pursue you until you’re dead.

You may be able to qualify for forgiveness on your federal student loans. People who work in public service jobs for 10 years can have the remaining balance forgiven, while those who work in other jobs can get forgiveness after 25 years. For more, visit FinAid.org and search for “loan forgiveness.”……

More…..

June 13, 2010 Posted by | Blogs, Breaking News, Education, Government, Law, Media, Other Things, The Economy, Updates | , , | Leave a comment

Apple intro’s the new iPhone4…..

Steve Jobs introduced the phone today……

While demoing the new iPhone4 he had to suffer thru a wait for the wifi service to come up…..

Seems it was overloaded….

Anyways the new Apple iPhone ships on June 24…and Apple hopes it blunts the sales of the new droid phone…..

Which is being heavly advertised……

Here’s some 411 on the new Apple phone…..


The Apple iPhone 4 is everything that a new piece of technology should be: It’s innovative, attractive, andahead of its competition. In comparison, previous iPhone upgrades seem inconsequential–that’s how much iPhone 4 brings to the table.

The phone will ship on June 24, priced at $199 for the 16GB model and $299 for the 32GB model (in white or black).

Premium Look

I spent some hands-on time with the new handset at the Apple event. I’ll start with the visuals: It’s stylish. Whereas the iPhone 3GS looks and feels plasticky, the iPhone 4 is svelte and has a premium feel. Surprisingly, it achieves that impression while retaining the same general design, although the edges appear a bit more squared than before.

It’s noticeably slimmer than the iPhone 3GS, measuring 0.37 inch deep versus the iPhone 3GS’s thickness of 0.48 inch (that translates to 2 percent less). The iPhone 4 is also slightly narrower, 2.31 inches to 2.44 inches. The weight stays the same at 4.8 ounces, but the tweaks to the dimensions make the current iPhone 3GS seem downright kludgy in comparison. (See all iPhone 4 specs.)

However, it’s the aesthetic design touches that make the iPhone 4 stand out. The overall design screams elegance–from the rounded, individual volume up and down buttons that replace the plastic volume rocker on the iPhone 3GS to the ring/silent switch and the power/sleep button up top. The face and back are made of glass that is specially treated to withstand scratches and oily fingers, according to Apple. The side edging is aluminum, and doubles as the device’s three cellular and wireless antennas.

Sharp Display

Of course, the iPhone 4 isn’t just about cosmetic enhancements, pleasing as they are. What makes this phone such a technological improvement is what’s inside the handset.

Like its predecessor, the iPhone 4 has a 3.5-inch display. But the new phone’s display doubles the resolution to a 960-by-640-pixel IPS display. At 326 pixels per inch, this is the highest resolution available on a phone to date.

That display truly makes a difference. Whereas the iPhone 3GS’s text–in the menus, in apps, or on Web pages–appears thick, fuzzy, and undefined, the iPhone 4’s text is razor sharp, even when enlarged (as I tried doing when viewing a PDF)…..

More…..

Apple link.…..

June 8, 2010 Posted by | Breaking News, Computers, Education, Entertainment, Media, Updates | | 1 Comment

Apple intro's the new iPhone4…..

Steve Jobs introduced the phone today……

While demoing the new iPhone4 he had to suffer thru a wait for the wifi service to come up…..

Seems it was overloaded….

Anyways the new Apple iPhone ships on June 24…and Apple hopes it blunts the sales of the new droid phone…..

Which is being heavly advertised……

Here’s some 411 on the new Apple phone…..


The Apple iPhone 4 is everything that a new piece of technology should be: It’s innovative, attractive, andahead of its competition. In comparison, previous iPhone upgrades seem inconsequential–that’s how much iPhone 4 brings to the table.

The phone will ship on June 24, priced at $199 for the 16GB model and $299 for the 32GB model (in white or black).

Premium Look

I spent some hands-on time with the new handset at the Apple event. I’ll start with the visuals: It’s stylish. Whereas the iPhone 3GS looks and feels plasticky, the iPhone 4 is svelte and has a premium feel. Surprisingly, it achieves that impression while retaining the same general design, although the edges appear a bit more squared than before.

It’s noticeably slimmer than the iPhone 3GS, measuring 0.37 inch deep versus the iPhone 3GS’s thickness of 0.48 inch (that translates to 2 percent less). The iPhone 4 is also slightly narrower, 2.31 inches to 2.44 inches. The weight stays the same at 4.8 ounces, but the tweaks to the dimensions make the current iPhone 3GS seem downright kludgy in comparison. (See all iPhone 4 specs.)

However, it’s the aesthetic design touches that make the iPhone 4 stand out. The overall design screams elegance–from the rounded, individual volume up and down buttons that replace the plastic volume rocker on the iPhone 3GS to the ring/silent switch and the power/sleep button up top. The face and back are made of glass that is specially treated to withstand scratches and oily fingers, according to Apple. The side edging is aluminum, and doubles as the device’s three cellular and wireless antennas.

Sharp Display

Of course, the iPhone 4 isn’t just about cosmetic enhancements, pleasing as they are. What makes this phone such a technological improvement is what’s inside the handset.

Like its predecessor, the iPhone 4 has a 3.5-inch display. But the new phone’s display doubles the resolution to a 960-by-640-pixel IPS display. At 326 pixels per inch, this is the highest resolution available on a phone to date.

That display truly makes a difference. Whereas the iPhone 3GS’s text–in the menus, in apps, or on Web pages–appears thick, fuzzy, and undefined, the iPhone 4’s text is razor sharp, even when enlarged (as I tried doing when viewing a PDF)…..

More…..

Apple link.…..

June 8, 2010 Posted by | Breaking News, Computers, Education, Entertainment, Media, Updates | | 1 Comment

From Jack…..Tea Partiers and ‘Mad Americans’…..

Further this whole “Mad As Hell” routine is old

Americans are always “Mad” about something

In 80 they were “Mad” about the hostages in Iran and stagflation and elected Reagan

In 92 they were “Mad” at George Bush(Jack Germond and Jules Witcover even named their account of that campaign “Mad As Hell”)

Its a way overworked term

Indeed if Americans are really “mad”

They oughta look in the mirror

THATS who they oughta be “mad” at

June 3, 2010 Posted by | Blogs, Breaking News, Counterpoints, Education, Government, Media, Men, Other Things, Politics, Women | , , | 4 Comments

From Jack…..Tea Partiers and 'Mad Americans'…..

Further this whole “Mad As Hell” routine is old

Americans are always “Mad” about something

In 80 they were “Mad” about the hostages in Iran and stagflation and elected Reagan

In 92 they were “Mad” at George Bush(Jack Germond and Jules Witcover even named their account of that campaign “Mad As Hell”)

Its a way overworked term

Indeed if Americans are really “mad”

They oughta look in the mirror

THATS who they oughta be “mad” at

June 3, 2010 Posted by | Blogs, Breaking News, Counterpoints, Education, Government, Media, Men, Other Things, Politics, Women | , , | 4 Comments

If Ya REALLY like your BEER …..Check this place out……..

My son …..the Beer connoisseur goes to this site…..

Try it out…….

Home

Spearheaded by L. Knife and operated as a collaborative effort among beer passionate beverage wholesalers, GreatBrewers.com was relaunched in February 2009 with the mission of bridging the gap between the world’s great brewers and the consumers who enjoy their products, with a paramount focus on education and on enhancing beer distribution practices through the sharing of information. So far, it appears that the Great Brewers team is succeeding at this mission. Since its relaunch, GreatBrewers.com has rapidly become a favorite source for beer information and education, joining pioneering websites as one of the internet’s most popular beer destinations…….

Link……..

June 3, 2010 Posted by | Blogs, Education, Entertainment, Food, Men, Other Things, PoliticalDog Calls, Updates, Women | , , , | 1 Comment

DSD…….Words of Wisdom……

The old but unkind saw is that

Those who can, do;
Those who can’t, teach; and
Those who can’t teach, teach teachers.

June 2, 2010 Posted by | Blogs, DSD @PoliticalDog101, Education, Media, Other Things, Updates | , | Leave a comment

Linda McMahon has her own Oooops! Resume moment….

I told everyone it happens ALL the time!

Democrats…and Republicans….

From Politicalwire…..

The New York Post reminds us of one more reason Richard Blumenthal’s (D) exaggerated military record isn’t likely to affect him in his Senate race against Linda McMahon (R) in Connecticut.

Just last year when McMahon “was nominated to Connecticut’s State Board of Education, she claimed, as proof of qualification, her degree in education. Her degree, it was soon revealed, was in French.”

June 1, 2010 Posted by | Blogs, Breaking News, Counterpoints, Education, Entertainment, Government, Media, Men, PoliticalDog Calls, Politics, Updates, Women | , , , | 13 Comments

Michele Obama is going to Nevada for Harry Reid……

The First Lady will do several events in Nevada with Senate Majority Leader Harry Reid…..

Showing unity with the ‘once doubtful to be reelected’ Senator…..

This visit will have Reid spending time with the First Lady and Lots of females  ……

Which can’t hurt Reid ‘come-back’ with the voters…..

Mrs. Obama headed to Reno and Las Vegas. In Reno, she headlines the 2010 Women’s Summit, hosted, according to the White House, by Reid. The summit will focus on “healthy women, healthy communities and a healthy planet.”
From there the first lady will go to Las Vegas, where she launches “Let’s Move Outside!,” a new component of her “Let’s Move” campaign to combat childhood obesity. Mrs. Obama is been promoting exercise for ages by now, with a gathering of kids last week on the South Lawn of the White House the latest example. Both the first lady and Reid will speak at this event.

No matter who is in the Oval Office, local officials are often asked to attend events when a president or first lady comes to town. But a week before the Nevada primary, Reid is clearly being highlighted by the White House. He benefits from Mrs. Obama’s official visit by being featured with her; it helps rallies his troops and assists Reid in appealing to female voters.

More……..

Michelle Obama

June 1, 2010 Posted by | Blogs, Breaking News, Education, Entertainment, Government, Health, Media, Men, PoliticalDog Calls, Politics, Polls, Updates, Women | , , | Leave a comment

Going Viral (AD wise ) in Alabama…

This piece courtesy of  DSD…..

…….Goes on to explain how politicians (particularly in Alabama ) say one thing…Do an ad about (Just one ad) …Then hope it finds legs of it own…..

After paying  for the ad……

Making it good enough so the media picks it up….

Then ….WaLa!…

Free exposure…and …on to defining your opponent..and putting them on the ropes…

There is quite a lot of this sort of thing going on this campaign season. You raise enough cash to film an outrageous ad. Then you post it on the Web and pray that it goes viral, gets mentioned on the cable talk shows and draws in enough donations to put the thing on TV.

The trend goes back to Demon Sheep, the legendary ad for Carly Fiorina’s campaign for the Senate nomination in California. It had regular sheep and then cartoon sheep and then a guy crawling around the ground disguised as a wolf in sheep’s clothing. He had on a cardboard mask with red light bulbs for eyes. I believe the message was supposed to be fiscal responsibility, but really, all you got was Demon Sheep. Red eyes. Carly Fiorina.

The man who made it, Fred Davis III, then took up the cause of Tim James, a deeply unremarkable Alabama businessman who wants to be governor. To separate James from the crowd, Davis came up with “Language,” a 30-second ad in which the candidate stared at the camera and demanded to know why “our politicians make us give driver’s license exams in 12 languages.” (The actual answer is: a federal court ruling.)

“This is Alabama. We speak English. If you want to live here, learn it,” James said irritably. “We’ll only give the test in English if I’m governor. Maybe it’s the businessman in me, but we’ll save money.”

James’s staff insisted it was fiscal conservatism, not xenophobia, that put their candidate on the driver’s license warpath. But Alabama’s tests are automatically graded by computer, using federally financed software — even the approximately 2 percent that are taken in a language other than English. Given the fact that the state would probably have to defend the policy in court, James’s idea would actually be a new expense.

But I cannot emphasize how totally beside the point all that is. “Language” went viral. “This is the first election in a long time where the fate of the campaign really did change on a single ad,” said David Lanoue, chairman of the University of Alabama political science department.

James is now one of the front-runners, despite a last-minute crisis involving a rumor that he believed the state was spending too much money on the University of Alabama football coach, who makes $4.1 million a year. Which James vigorously denied wanting to cut. It’s the businessman in him.

He now has a sequel to the driver’s license ad, in which he says that as a businessman, he feels sex offenders should be required to “re-register with the state, face to face, every 90 days.”

“Some politicians think that might inconvenience the sex offenders,” James said somberly. He did not explain who those politicians were, but I suspect the same guys who keep stealing Dale Peterson’s signs.

This has been a peculiar political year, even for Alabama. James’s biggest opponent, Bradley Byrne, was attacked by a group called True Republican PAC, which ran an ad charging that Byrne supported the teaching of evolution….

More….




May 30, 2010 Posted by | Boats, Breaking News, DSD @PoliticalDog101, Education, Government, Media, Men, PoliticalDog Calls, Politics, Updates, Women | , , , | 5 Comments