Advice on avoiding college debt–at least for Missouri residents

The business section of the Post-Dispatch had a good article on avoiding college debt. It’s tricky, as even Mizzou costs $22,000 a year now. I’m pretty sure when I was a Tiger, it was more like $10,000 a year, though I had scholarships that knocked that down even more.

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Control your debt, stay in school, stay employed and out of prison

Some people are worried that student loans are the next debt time bomb that can potentially wreck the economy, and that fear of student-loan debt will make people less inclined to seek the education they need.

Two statistics should discourage that.
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How far we’ve fallen

It’s job interview time again. I haven’t lost my job, at least not yet, but I’m not waiting around to see if I’m going to. I’m hitting pavement, talking to potential employers, whether they’re connected to what I’m doing now or not.

So, it was off to the mall to buy some clothes this weekend for the interview because all my dress clothes are from 1991. They fit (I wore them to my last interviews in 2005), but when your clothes are old enough to vote, it’s probably time for something new.What I found at the mall was depressing. There were lots of vacancies, including places I remember having something the last time I was at the mall. That might have been October, but October isn’t that long ago. And I’m not talking as someone who owns clothes that are old enough to vote. In business, October is yesterday. I’m still dealing with projects at work that started around then.

I also found people with college degrees working retail. Not 2-year degrees. I’m talking 4-year degrees from good schools.

At a job fair today, someone scoffed at my journalism degree. Frankly I’m getting tired of apologizing for my journalism degree, especially from people who wouldn’t know how to spell "journalism" correctly, or at least don’t know that paragraphs generally have more than one sentence in them. Engineering isn’t the end-all of life. And a journalism degree from the University of Missouri isn’t a cakewalk. It’s one of the top three schools in the country, and there’s a reason for that: It’s hard.

And I won’t apologize for it because that degree allowed me to write an O’Reilly book at the age of 24.

I also won’t apologize for it because if I’m not deemed worthy to keep the job I’ve been doing for three years, I should be able to make enough as a freelance writer to keep the utilities on and keep food in my son’s stomach without being a burden on the taxpaying public.

And finally, I won’t apologize for it because I’ve survived in this industry since early 1997, in spite of having a degree in a seemingly unrelated field. In the mid 1990s, no four-year university was teaching what I do. Want to guess what the best sysadmin I’ve ever met majored in? Interdisciplinary studies. That’s a polite way of saying "nothing." But the people who come from all over the country to hear him speak couldn’t care less what he majored in.

But I’ve gotten off track. I guess I’m in a bad mood because this week I also had to sit in a meeting where I listened to someone tell 20 people that they won’t be retained, and 20 temporary employees who’ve been with the company for a month will be retained, "because they’re doing a helluva job."

No, those temps will be retained because they’re cheaper. The people in that room have busted their butts for that company for years. But in some cases, the management doesn’t even know those people’s names or job titles, in spite of the number of years and long hours they put in.

Of course you don’t want to let a temp go. You shouldn’t want to let anyone go. But that’s always a risk when you’re a temp. I was a temp twice. Once I was let go myself. The second time they kept me, but let go another temp from the same company who started the same time I did. And I knew from the start that it was a possibility.

But I think the thing that depressed me the most was seeing the long lines at that job fair, where I applied for my current job and tried not to show offense when someone ridiculed my journalism degree. The majority of people who showed up at that fair won’t get jobs. And you could tell from the looks on their faces that a lot of them knew that. But what else were they going to do? They had to try.

I don’t know how much longer this is going to last. A local economist on the news Sunday morning said he expected 6-18 months. That means he thinks things will be bad at least until July 2009, and perhaps as long as July 2010.

And from what I can tell right now, my best bet for recession-proofing my career is Sun Solaris 10. Should I find myself with ample free time in the near future, I’ll probably try to spend a lot of it learning that.

What order should you pay off your debt?

The eternal debate, once someone starts on the road to paying off (or at least reducing) debt is short, simple and sounds innocent enough: Which one first?

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Still no (legal) prosecution for the Megan Meier Myspace suicide

St. Charles County Prosecutor Jack Banas announced today that he won’t prosecute the online vigilantes who drove Megan Meier to suicide in October 2006. Here’s the St. Louis Post-Dispatch story, which has more details than the AP story.

Not only is the legal system failing Ron and Tina Meier, it’s also failing Lori Drew, her husband Curt, and Drew’s employee and co-participant, Ashley Grills.Here’s why I say that. Since the legal system offers no justice in this case, we’re seeing a mob of (rightfully) enraged people take matters into their own hands. Through these means, there is no due process, there’s no innocent until proven guilty, and there’s no constitutional protection against cruel and unusual punishment. There’s also collateral damage.

The real estate firm where Curt Drew used to work continues to get harassing phone calls from vigilantes. They dismissed him the week the story broke. The company did all that it could do, weeks ago. Now it’s someone’s job to sort through the legitimate phone calls and the calls telling them what rotten people they are for employing Curt Drew. Given the comments I see on online forums, it’s probably not a pleasant job.

According to another account I read, for all intents and purposes, Lori Drew’s junk-mail company, Drew Ad Vantage, is out of business. But the companies that once advertised with her continue to get phone calls. Some of them pulled their ads pretty quickly. The point is moot now, but the phone calls continue.

Police are having to patrol the neighborhood more often now because of threats and random acts of violence. Right now the neighbors don’t seem to mind–they’re as mad as anyone else, and have been for more than a year–but won’t that eventually grow tiresome?

This Riverfront Times article (the RFT is St. Louis’ equivalent of The Village Voice, if you want context) quotes Ron Meier as saying that now the Drews are tasting a bit of the hell he’s tasted for the past year.

I have a difficult time feeling sorry for these people. But the Internet isn’t exactly known for restraint.

It bothers me that Banas doesn’t think this case meets the requirements for state laws for either harassment, stalking or endangering the welfare of a child. To mock the Megan Had it Coming blog, I showed all this to a friend of mine who is not only in college, he has two college degrees and is really smart, and he says that harassment over the phone or mail is illegal (celebrities prosecute people for it all the time, after all). You just prove point of origin. On the Internet, it’s possible to prove point of origin (it’s how the RIAA prosecutes people who download MP3s off P2P services). So what’s the difference? It’s just coming over a different pair of wires. Well, and it’s digital instead of analog. I guess that makes a difference, since everyone knows digital is better than analog.

It’s too bad The Honorable Jack Banas, Esq. didn’t ask my friend if it’s possible to trace communications over the Internet. Having degrees in electrical engineering and computer science, he would know. Or he could ask me (I have to trace origins from time to time as part of my job), but my friend actually lives in St. Charles County, so he’s a constituent. It would probably be more appropriate to ask him. Plus, my friend is smarter than me (and not just because he has twice as many degrees as I have).

Banas says that some of what we’re seeing in news accounts isn’t true, actually going so far as to deny that Lori Drew participated in this harassment. In that case, she’s guilty of filing a false police report, since she stated as much in the police report, which anyone can read on the Smoking Gun.

I’ll share one final observation from my friend who’s really smart. I’ve seen pictures that purport to be of Lori Drew. Other people claiming to know her have surfaced on blogs and various other online hangouts and stated she is not an attractive woman. Tina Meier is a traditionally attractive woman, and Megan looks good in the most commonly used photo of her. It’s not hard to imagine that Lori Drew and her daughter were jealous of the Meier women, and some of their actions were motivated by it. Perhaps the things they said were things people had said to them, or things they thought about themselves.

I will grant the people who insist on playing devil’s advocate that Megan Meier has been sainted and the media accounts don’t provide a complete picture of her. But we do know she was getting treatment for her problems, she was taking her medicine, she was playing sports and she was losing weight. For a time, up until October 16, 2006, she was handling her problems in a constructive and proper manner.

Unfortunately there hasn’t been any good news on this front since that day.