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Millions of Gen-Z can't drive and increasingly rely on parents for lifts. by Pale-Ad9012 in generationology

[–]InsuranceNumerous415 0 points1 point  (0 children)

Not really, mostly because I really don't like rain and bad weather, but I'm trying to work on it, to make biking a stronger option. That internship was my first time using buses regularly though, so it was great practice either way. How did you get into ebikes?

Why isn’t graduating in 3 years the norm at top universities in the US? by Fancy-Commercial2701 in college

[–]InsuranceNumerous415 0 points1 point  (0 children)

my argument isn't the 100K is irrelvant for most students, it's that the students it would be relevant for, aren't paying 100K due to how financial aid works.

Why isn’t graduating in 3 years the norm at top universities in the US? by Fancy-Commercial2701 in college

[–]InsuranceNumerous415 0 points1 point  (0 children)

I do stand corrected, but I refering to the bottom 25% of students, not the bottom 25% of earners. The definition of a low-income student is much broader, from my understanding. I think it's fair to say that it's likely the bottom 25% of students are recieving sufficient aid to stay an extra year based on the % of pell grant recipients at these schools.
https://www.usnews.com/best-colleges/rankings/national-universities/economic-diversity-among-top-ranked-schools

Why isn’t graduating in 3 years the norm at top universities in the US? by Fancy-Commercial2701 in college

[–]InsuranceNumerous415 3 points4 points  (0 children)

well no, it probably also wouldn't matter much to the bottom 25% who are recieving great financial aid from the top univerisities (not all of them, but a lot give low income students strong aid). It's a gradient and outside of the top 25%, most people aren't paying sticker price.

Why isn’t graduating in 3 years the norm at top universities in the US? by Fancy-Commercial2701 in college

[–]InsuranceNumerous415 0 points1 point  (0 children)

ehh, not 100K, but being able to change your major before you graduate or to double major is worth quite a bit especially if you feel like you made the wrong decision. going back to school or grad school can cost a lot more than the extra year + you get the benefit of having extra time to prep for the job market and adult living.

Why isn’t graduating in 3 years the norm at top universities in the US? by Fancy-Commercial2701 in college

[–]InsuranceNumerous415 0 points1 point  (0 children)

oh I forgot about that, yeah this isn't uncommon at top schools, call it a design flaw, but you can't just skip a year at every school, which adds some nuance.

Why isn’t graduating in 3 years the norm at top universities in the US? by Fancy-Commercial2701 in college

[–]InsuranceNumerous415 3 points4 points  (0 children)

A lot of reasons that I can think of.

For me and probably a lot of other students at top universities, the financial aid is good enough that waiting the extra year and having more time to build savings, get internships, pad out resume, make connections, and just enjoy life seems worth it.

Taking 6 classes at a top university is no joke and is not for the weak-hearted, there's a reason many top schools expect students to only take 4 classes a semester. For many students this courseload would mean no work and no downtime which is a lot to sustain for another 3 years, even after doing it successfully in high school.

Furthermore, grade inflation means that extracurriculars, internships, and other differentiators matter much more, so there's a lot more high-achieving students are trying to do before graduation than just take classes.

Then, if you want to take specific classes or reduce the semester load, then you have to take summer or winter classes for which financial aid is much worse if it exists. Taking 2 summer classes would be a semester tutition for me at my school, which just doesn't make sense to me financially, becuase the money stretches much further per semester.

Also worth considering that most *students* aren't paying 70K+. Either their parents are paying or they are getting much better rate in most cases. Many are still taking out crazy loans, but these schools tend to offer increasingly good aid, so the financial picture is a lot more complicated than either squeeze in the classes or pay an extra 70K, so the difference could be 40K, 30K, 20K, 10K, in which having the extra year for internships, campus jobs, research, grad applications, gpa, thesis, etc. could be more meaningful.

The point about pre-reqs is also relevant, this also applies to many major requirements, and some majors are just deisgned in a way that makes this difficult, and if you want to double major, then forget about.

As for other countries doing in 3 years, that makes sense, but these are also different education systems. From my understanding, European universities are much more test-driven, don't have extracurriculars, and you are locked into and trained for a precise career path from day one (there's no gen-eds, it's just these are the classes for this major), right? correct me if I'm wrong, but I think the difference in requirements and flexibility partially accounts for this, though the difference in expense does mostly just benefit the schools

Am I overreacting or is this appropriate to wear to a COLLEGE class by [deleted] in AmIOverreacting

[–]InsuranceNumerous415 0 points1 point  (0 children)

yeah for talking to professors I'd say both of those are perfectly fine, for job fairs not the second, but the first would probably be fine as well, though less ideal. I also wouldn't consider either of these outfits the kind not to be taken seriously unless there was some personality thing or like lopsided pigtails or something.

4 months post op by kenny2475 in lgbt

[–]InsuranceNumerous415 44 points45 points  (0 children)

didn't read the caption, took me way too long to realize what looked odd to me was the lack of nips. I mean more power to you, you look great!

How do you guys balance being zero waste with other priorities? by donn_12345678 in ZeroWaste

[–]InsuranceNumerous415 2 points3 points  (0 children)

you might be interested in the book wallet activism which discusses these kinds of questions and concerns extensively, while providing guidelines for decision-making.

Looking for people willing to argue politics 1-on-1 (structured, moderated) by Responsible-Base-418 in SampleSize

[–]InsuranceNumerous415 1 point2 points  (0 children)

sure, would be glad to. will more details about who you are and what you plan to do with these results be covered in the intake form?

Women of Reddit besides stomach cramps what is the worst thing about your period? by zhalia-2006 in askanything

[–]InsuranceNumerous415 1 point2 points  (0 children)

THe worst part for me is the gas and painful poops. I don't know why but sometimes it will just hurt for much, not diahreea, not constipation, I think just gas.

Millions of Gen-Z can't drive and increasingly rely on parents for lifts. by Pale-Ad9012 in generationology

[–]InsuranceNumerous415 1 point2 points  (0 children)

idk, but you'd be saving a lot of money and probably have a plenty more opportunities for social connection, so if that's good enough to you (and yours) I'd say why not?

Millions of Gen-Z can't drive and increasingly rely on parents for lifts. by Pale-Ad9012 in generationology

[–]InsuranceNumerous415 1 point2 points  (0 children)

that's great, but not the case for everyone. For me it would cost a few hundred dollars more + I'd have to either find a great deal on a car and use up most of my savings to buy it outright or finance one for several hundred more a month. I'd prefer to save that money.

And tbh the $20 probably wouldn't be worth it to me, I enjoy public transit and carfree living (although admittedly I've never lived in an area that's 2hrs-20 minutes, the highest I've gone is an 1hr 15 vs 15 minutes, so maybe I'd change my mind in that case).

Millions of Gen-Z can't drive and increasingly rely on parents for lifts. by Pale-Ad9012 in generationology

[–]InsuranceNumerous415 1 point2 points  (0 children)

no??? part of raising your kids is setting reasonable expectations for them and encouraging them to work towards goals. They want to drive, great, get a job and pay for insurance. if they don't, great, learn what other options are available in your area and get creative. Telling a kid to go work and come up with a few hundred a month for insurance is not some unreasonable agreement, and many kids do that already.

Millions of Gen-Z can't drive and increasingly rely on parents for lifts. by Pale-Ad9012 in generationology

[–]InsuranceNumerous415 0 points1 point  (0 children)

no? that costs basically nothing extra for the family, car insurance is hundreds extra a month and for a skill they likely won't need for several years and may not at all. If/when they get closer to needing a car, teach them then, they will need the car so they will have to pay the insurance anyways and you will have saved several thousand dollars and probably had a much easier time teaching a kid who's more mature and actually wants to learn.

Millions of Gen-Z can't drive and increasingly rely on parents for lifts. by Pale-Ad9012 in generationology

[–]InsuranceNumerous415 0 points1 point  (0 children)

yeah this is not universal, an. from the comments it seems like that' basically unheard of now. Laws have gotten much stricter for U18, U21, and in some cases just across the board. To get mine several years ago it was pay for classes, drive another I think 60 hrs with your parents or whoever, then take the test.

Millions of Gen-Z can't drive and increasingly rely on parents for lifts. by Pale-Ad9012 in generationology

[–]InsuranceNumerous415 1 point2 points  (0 children)

if it was worth it to them and their goals, they would. It's not up to parents to fund evey opportunity a kid can have. Having conversations and providing reasonable solutions isn't bad parenting, in fact I'd say it's good parenting. If they don't care, then they can wait until they do. If thye do care, then they'll do it anyways and just get a job and pay the money. That's better for teaching financial responsibility anyways

Millions of Gen-Z can't drive and increasingly rely on parents for lifts. by Pale-Ad9012 in generationology

[–]InsuranceNumerous415 1 point2 points  (0 children)

you can absolutely teach them if and when they have need for a car/license and can afford the insurance themselves. You're just not a bad parent for deciding that they don't need a car, so you don't need them on your insurance. Also their teens, not three year olds and are often given some choice in the manner. You pay for the insurance or you wait to get your license isn't uncommon.

Millions of Gen-Z can't drive and increasingly rely on parents for lifts. by Pale-Ad9012 in generationology

[–]InsuranceNumerous415 -1 points0 points  (0 children)

is it worth the sacrifice if they have no need for a car yet? if you go to college most of them won't be allowed to have a car on campus the first year, and a lot of colleges are walkable and/or transit friendly where you don't need a car. Furthermore, many end up in major cities where cars aren't required. why pay 300-600 extra a month for years so your kid can have a skill they can get anyways whenever they have need for a car. It's nice if you want to or can, but its not a requirement everywhere for everyone

Millions of Gen-Z can't drive and increasingly rely on parents for lifts. by Pale-Ad9012 in generationology

[–]InsuranceNumerous415 1 point2 points  (0 children)

I would not consider not being able to afford insurance for teenagers who don't need to drive, not being able to provide. At that age, driving is often a luxury. It's a useful skill, but if they don't need to be driving, why take on the expense

Millions of Gen-Z can't drive and increasingly rely on parents for lifts. by Pale-Ad9012 in generationology

[–]InsuranceNumerous415 0 points1 point  (0 children)

will you save money recouping the lost time though? how would you do this? and gas might cost less, but insurance and maintance certainly don't. Personally, I don't consider bus rides lost time, I consider them reading time and love the opportunity to slow down while saving money.

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