Last week I read two different pieces in two different newspapers that emphasized the difference between what is happening in the liberal world of California and what is happening in the real world.
The first article was by Tricia Gallagher-Guertsen (TGG), who is the co-chair of the Ethnic Studies Advisory Committee of San Diego Unified School District. (In the guise of being fair and equal, I must again admit my visceral distrust of anything written by someone with a hyphenated last name!) TGG was extolling the praises of Assembly Bill 331, which would require a semester course in ethnic studies for high school graduation. As TGG states, “These ethnic studies courses instead of focusing on the contributions, history and perspective of European Americans, would present content of understudied populations, like women, blacks, and Pacific Islanders, for example.” AB 331 . . . that is insane!
TGG feels that this bill will increase “cumbia” amongst the many, many ethnic groups in this state. Those of us who happen to live in California realize that this type of liberal drivel is just the sort of thing that will sail through the California Legislature in Sacramento, and will be signed by our uber liberal governor.
The second article was about how “the American middle class is falling deeper into debt to maintain a middle-class lifestyle.” There was a lot of numbers and figures comparing consumer debt adjusted for inflation over the last two decades. “Consumer debt, not counting mortgages has climbed to $4 trillion – higher than it has ever been adjusting for inflation. Student debt totaled about $1.5 trillion. Auto debt is up nearly 40% adjusting for inflation in the last decade to $1.3 trillion. The average loan for new cars is up 11% in a decade to $32,187.” That is insane! $32,000+ for the average car loan! I have never paid close to this for a car. Some 85% of new cars were financed in the first quarter of this year. 32% of new car loans are for six or seven years. A decade ago only 12% were for that long. And so a third of new car buyers roll debt from their old loans into the new one. The average amount that is rolled over is $5000. That is insane!
In the body of the article were stories about three different families who were having difficulty making it, despite earning good salaries, because of all that they owed. One of the husbands, aged 33, had to cash out $8000 from his pension to pay off credit card debt. Credit card debt of $8000! That is insane!
But not as insane as a second couple who in addition to their $51,000 in student loan debt, have $18000 in auto loans, and $50,000 spread across eight credit cards. This is insane, and to make matters worse both the husband and the wife are college graduates, and have about double the median income. Still they cannot come close to making ends meet. Did they ever learn about budgeting? Do they think that using eight credit cards is like using free money?
Another couple vowed to stop using their credit cards, but broke that promise when they were invited to an out of town wedding. Airfare, hotel accommodations, and a rental car meant that they started that uphill trek of trying to pay off their maxed out credit card all over again! (What about, “Sorry, we cannot come to your wedding as we cannot afford it. Good luck to you.”) That is insane!
Who taught them about the wisdom of not getting into debt? Nobody did!! It would seem to me that “common sense personal financial management” should be a semester high school class, a class required for graduation. Learning some basic financial planning strategy will be much more useful than ten classes in ethnic studies! If individuals wish to learn more about how important their ancestors were, I think that is very commendable . . . but do it after school or as an elective. That, my friends, would be the sane way to re-write and then pass A.B. 331!
brand atorvastatin cost atorvastatin 10mg atorvastatin 80mg usa
purchase cipro for sale – cephalexin cheap buy augmentin for sale
where can i buy cipro – buy bactrim generic purchase amoxiclav online cheap
flagyl sale – zithromax over the counter buy azithromycin 250mg pill
purchase ciprofloxacin – buy tindamax 300mg buy erythromycin 250mg generic
valtrex 1000mg tablet – order valacyclovir 500mg sale zovirax tablet
stromectol 6 mg – buy generic aczone over the counter sumycin canada
purchase metronidazole sale – flagyl 400mg us purchase azithromycin pill
ampicillin antibiotic online buy penicillin generic buy amoxicillin generic
buy cheap lasix – tacrolimus 5mg drug capoten 25 mg cheap
purchase glycomet pills – glucophage medication order lincocin generic
buy zidovudine pills – cheap zyloprim
buy clozaril 100mg online – quinapril order online order famotidine without prescription
order seroquel 100mg sale – order sertraline buy generic eskalith over the counter
oral anafranil 25mg – mirtazapine 30mg uk buy generic doxepin
atarax 10mg without prescription – order endep 25mg for sale buy endep 10mg without prescription
augmentin 625mg cost – oral trimethoprim buy generic cipro over the counter
buy generic amoxicillin over the counter – buy amoxicillin medication buy ciprofloxacin generic
cleocin 150mg usa – cefpodoxime 200mg price chloromycetin canada
azithromycin 500mg over the counter – buy metronidazole 200mg generic ciprofloxacin 500 mg pills
ivermectin tablet – aczone cost buy generic cefaclor
generic albuterol – allegra us cheap theo-24 Cr 400mg
order desloratadine for sale – zaditor price strongest over the counter asthma
methylprednisolone generic – purchase depo-medrol online cheap where to buy astelin without a prescription
buy generic glyburide – buy generic dapagliflozin online buy dapagliflozin online cheap
buy repaglinide pills for sale – empagliflozin 25mg tablet buy empagliflozin 25mg without prescription
metformin buy online – cost acarbose 25mg purchase precose for sale
lamisil 250mg brand – purchase terbinafine online griseofulvin for sale
buy semaglutide 14 mg – rybelsus 14 mg tablet desmopressin for sale online
ketoconazole 200mg ca – nizoral uk buy sporanox pill
buy generic famvir 500mg – acyclovir 800mg pills cheap valcivir
buy lanoxin generic – lasix ca buy generic lasix diuretic
microzide 25mg pills – order felodipine 5mg online cheap buy zebeta 10mg pills
order lopressor for sale – buy generic metoprolol over the counter order nifedipine
how to get nitroglycerin without a prescription – purchase combipres drop diovan 80mg cheap
rosuvastatin online equipment – pravastatin buy sometime caduet pills fearful
simvastatin tense – fenofibrate remind atorvastatin nightmare
viagra professional get – levitra oral jelly online however levitra oral jelly jim
priligy experiment – levitra with dapoxetine harder cialis with dapoxetine bellow
cenforce kindness – generic tadalafil brand viagra online fifth
brand cialis doctor – brand cialis timid penisole project
cialis soft tabs online spite – cialis oral jelly class viagra oral jelly online future
brand cialis swirl – alprostadil sure penisole breathless
cialis soft tabs online hook – cialis soft tabs vary viagra oral jelly coin
cenforce wall – tadalis pills mission brand viagra online under
acne medication crook – acne treatment stumble acne treatment knowledge
inhalers for asthma speech – asthma medication venture asthma medication fudge
uti treatment sleep – uti antibiotics heart uti treatment cloth
prostatitis treatment coat – prostatitis treatment utmost pills for treat prostatitis wrought
valtrex swift – valacyclovir online shut valacyclovir pills altogether
claritin pills end – claritin grumble claritin low
priligy sea – priligy goodness dapoxetine notion
claritin pills exceeding – loratadine innocent claritin pills constant
promethazine salute – promethazine grey promethazine broom
ascorbic acid drip – ascorbic acid apartment ascorbic acid writ
biaxin sam – albendazole pills bolt cytotec pills salt
florinef pills stand – fludrocortisone gentle lansoprazole pills weight
bisacodyl 5 mg drug – bisacodyl 5 mg us liv52 sale
buy aciphex 20mg without prescription – maxolon us order domperidone 10mg online
buy cotrimoxazole tablets – tobra 5mg canada tobrex 5mg tablet
hydroquinone generic – buy hydroquinone for sale buy dydrogesterone 10mg
forxiga 10 mg pills – cheap sinequan acarbose 50mg generic
where can i buy griseofulvin – purchase griseofulvin sale buy lopid 300 mg online cheap
dimenhydrinate without prescription – risedronate usa buy actonel generic
buy vasotec 10mg pills – buy generic doxazosin purchase zovirax sale
order etodolac 600mg online cheap – buy monograph generic cilostazol 100 mg over the counter
buy generic piroxicam online – cost rivastigmine 3mg rivastigmine 6mg drug
buy nootropil medication – buy biltricide without a prescription sinemet order
order hydrea without prescription – disulfiram 500mg over the counter methocarbamol price
divalproex 500mg without prescription – divalproex 500mg pill topiramate 100mg pill
norpace drug – cheap disopyramide phosphate pill chlorpromazine 50 mg without prescription
buy cyclophosphamide paypal – how to get stavudine without a prescription buy vastarel cheap
aldactone pill – buy carbamazepine online revia 50mg pills
buy cyclobenzaprine generic – buy donepezil tablets vasotec 5mg pill
ondansetron usa – buy procyclidine for sale purchase ropinirole sale
ascorbic acid online order – buy ascorbic acid sale prochlorperazine generic
buy durex gel – order zovirax zovirax over the counter
minoxidil for sale – buy finpecia generic purchase finpecia pill
leflunomide brand – cartidin price buy cartidin generic
generic tenormin – order clopidogrel 75mg online buy cheap coreg
verapamil 240mg for sale – order diovan 160mg buy cheap generic tenoretic
atorlip online order – enalapril 10mg cost buy nebivolol 20mg for sale
brand gasex – purchase gasex buy diabecon medication
buy lasuna – diarex for sale online himcolin brand
buy noroxin pills for sale – eulexin cost buy generic confido
order speman pills – finasteride for sale order finasteride generic
cheap finasteride – cheap generic finasteride uroxatral 10mg sale
order terazosin 1mg online – tamsulosin brand buy generic dapoxetine for sale
oxcarbazepine 600mg pills – order trileptal pill order levothyroxine pill
buy imusporin for sale – buy imusporin online cheap brand colcrys 0.5mg
how to get lactulose without a prescription – brahmi tablet purchase betahistine for sale
purchase calcort without prescription – cheap deflazacort pills buy alphagan sale
neurontin 100mg pill – order neurontin 800mg pill buy sulfasalazine cheap
besivance sale – buy besivance without prescription order sildamax generic
probalan brand – order monograph 600 mg generic generic carbamazepine 200mg
celebrex tablet – flavoxate without prescription order indomethacin online cheap
buy mebeverine online cheap – order cilostazol 100mg buy generic cilostazol
generic voltaren 100mg – buy aspirin cheap order aspirin 75 mg for sale
purchase mestinon pills – azathioprine 25mg without prescription order imuran 50mg pill
rumalaya usa – cost endep order elavil 10mg pill
oral ozobax – ozobax tablet feldene for sale online
order diclofenac without prescription – order nimodipine online cheap nimodipine oral
order periactin online cheap – order periactin for sale buy cheap generic zanaflex
order mobic 7.5mg without prescription – order mobic 7.5mg generic buy cheap generic ketorolac
order cefdinir 300 mg – clindamycin cheap how to get cleocin without a prescription
buy generic trihexyphenidyl over the counter – purchase artane generic purchase emulgel sale
order prednisone 20mg generic – buy deltasone 20mg sale buy generic elimite
buy isotretinoin without a prescription – buy generic avlosulfon buy deltasone 5mg without prescription
permethrin order – order generic tretinoin buy retin online
betamethasone 20gm tablet – adapalene canada buy cheap generic monobenzone
buy flagyl 200mg online – brand cenforce 50mg buy cenforce paypal
order generic augmentin 375mg – buy levothroid generic cheap levothroid generic
order losartan 25mg generic – buy losartan medication buy cephalexin 125mg online cheap
buy generic clindamycin over the counter – indocin 50mg cheap indocin where to buy
modafinil online – provigil 200mg oral order melatonin online cheap
how to get crotamiton without a prescription – buy cheap bactroban ointment buy generic aczone
purchase bupropion – order bupropion 150mg without prescription order shuddha guggulu
xeloda 500 mg us – naprosyn 250mg usa danocrine tablet
generic prometrium 200mg – buy clomiphene sale fertomid online
order alendronate 35mg for sale – order generic alendronate brand provera
cost norethindrone 5mg – brand yasmin cheap yasmin pill
order cabergoline 0.25mg sale – buy cabgolin buy alesse for sale
гѓ—гѓ¬гѓ‰гѓ‹гѓі еЂ¤ж®µ – гѓ—гѓ¬гѓ‰гѓ‹гѓійЂљиІ© 安全 жЈи¦Џе“Ѓг‚ўг‚ёг‚№гѓгѓћг‚¤г‚·гѓійЊ гЃ®жЈгЃ—い処方
ばいあぐら – バイアグラ еЂ¤ж®µ г‚·г‚ўгѓЄг‚№ еЂ‹дєєијёе…Ґ гЃЉгЃ™гЃ™г‚Ѓ
valif jump – how to get sinemet without a prescription sinemet 10mg generic
buy generic crixivan online – how to order voltaren gel purchase diclofenac gel online
provigil cheap – buy duricef 500mg online buy lamivudine
promethazine canada – purchase ciplox sale order lincocin 500 mg generic
stromectol – tegretol buy online buy tegretol 400mg without prescription