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Worst Financial Advice I Have Ever Seen

beerftw said:
The industries though are not overloaded, many skilled trades are in a massive shortage, and skills are what fill the ranks not a college degree. In industries where there is a surplus often times a college degree is used as a means to thin the ranks, but with a shortage of workers the top priority is filling the ranks with skilled workers.
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That still requires some kind of education. The only jobs I know of that required no post-secondary education was the jobs in the oil patches but most of them are unemployed now. Trades are definitely not for everyone, and most jobs are not in trades. The vast majority of jobs will be skilled but require post-secondary education like business or computer science.
 
ModerationNow! said:
At about 3/4 of the way through Obama's presidency, I was hearing mainstream media journalists trying to convince college graduates that houses and new cars are overrated and unecessary "luxuries" that they could do without! They were recommending to graduates that living at home with mom and dad AFTER graduating wasn't a bad thing, and having a really good salary was overrated.

Why were they doing this? Because the govt statistics showed that, during even the late period of the Obama admin, a LOT of college graduates were being forced to take jobs that didn't even require a college degree! But the MSM desperately needed us to believe Obama was doing such a great job! So they had to seriously lower the standards of what was considered financial success. So they kept trying to downplay career and financial expectations, by acting as if owning a house and a new, reliable automobile were bad things! Despite the fact that every one of those journalists probably owned multiple new cars, and owned at least 1 big house!

Of course now that the economy is booming, they are trying to convince us that the good economy is overrated! Everyone should LTFAO at these hypocrits. I wouldn't take advice from the mainstream news media, especially when it seems counterintuitive(which it does most of the time, unfortunately). They always have a separate agenda, which is political and ideological in nature, and they truly don't care what's best for the average Joe or Jane....
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The **** you on about? The economy has not really gotten that much better for millennials.
 
Carjosse said:
That still requires some kind of education. The only jobs I know of that required no post-secondary education was the jobs in the oil patches but most of them are unemployed now. Trades are definitely not for everyone, and most jobs are not in trades. The vast majority of jobs will be skilled but require post-secondary education like business or computer science.
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Automotive mechanic, welder, farm jobs, construction, if I searched hard enough the list goes on and on, to think no one but oil patches want non college degrees is far out of logic, there are many skilled trades where ability to do your job outweighs any degree. I myself am in one of those fields which is automotive, I have no degree, no trade school, yet compete quite nicely in the field, yeah many go to trade school to learn the trade, but the trade itself goes by what you know and can do, not by what degree you hold.
 
beerftw said:
Automotive mechanic, welder, farm jobs, construction, if I searched hard enough the list goes on and on, to think no one but oil patches want non college degrees is far out of logic, there are many skilled trades where ability to do your job outweighs any degree. I myself am in one of those fields which is automotive, I have no degree, no trade school, yet compete quite nicely in the field, yeah many go to trade school to learn the trade, but the trade itself goes by what you know and can do, not by what degree you hold.
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You seem that because you did it, that applies to everyone. That is quite far from the truth, the vast majority of people will need to complete a post-secondary something to participate fully in the economy and for most of them it will be a post-secondary degree. Do you think the economy is primarily trade based?
 
Carjosse said:
You seem that because you did it, that applies to everyone. That is quite far from the truth, the vast majority of people will need to complete a post-secondary something to participate fully in the economy and for most of them it will be a post-secondary degree. Do you think the economy is primarily trade based?
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Most people I know have no scondary education, in skilled trades people learn usually as an apprentice or just starting out as the helper boy and moving up the ranks overtime.
 
Lord Tammerlain said:
I think the idea is


Pump out 10 kids, get them working early, then count on them to support you in your old age. With 12 people huddled together in the middle of winter, heating wont be needed
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Like back in the 30s in the US for sure.
 
beerftw said:
Most people I know have no scondary education, in skilled trades people learn usually as an apprentice or just starting out as the helper boy and moving up the ranks overtime.
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In my experience and in the statistics it is the exact opposite.
 
Carjosse said:
In my experience and in the statistics it is the exact opposite.
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CConsidering you are fresh out of college your experience is irrelevant, you experience is like a second lt yelling based off my experience, the joke being a second lt has no experience unless they were prior combat, since it is the officer equivilent of a private.
 
beerftw said:
CConsidering you are fresh out of college your experience is irrelevant, you experience is like a second lt yelling based off my experience, the joke being a second lt has no experience unless they were prior combat, since it is the officer equivilent of a private.
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All of the most successful people I have known of have post-secondary education of some kind and the most successful are university educated, both in my hometown and in Montreal, whether that be my family or friends and their families, or my network. Why would my experience be irrelevant? The statistics also back me up.

I would never have succeeded in trades which is why I am pursuing a university education. All of my friends are the same. Believe it or not most people are not meant for the trades and have different skills but those that are, all the power to them but most of them will also require post-secondary education of some kind.
 
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Carjosse said:
All of the most successful people I have known of have post-secondary education of some kind and the most successful are university educated, both in my hometown and in Montreal, whether that be my family or friends and their families, or my network. Why would my experience be irrelevant? The statistics also back me up.

I would never have succeeded in trades which is why I am pursuing a university education. All of my friends are the same. Believe it or not most people are not meant for the trades and have different skills but those that are, all the power to them but most of them will also require post-secondary education of some kind.
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A trade is highly viable, most of the civilized world from the us to europe is begging for skilled workers in skilled trades not college degrees, the industry in highly viable unless you are scared to get your hands dirty.

You know that equipment at the hospital? does not fix itself. Your car does not fix itself, the copper in the mountain does not mine itself, the roads do not pave themselves, heck tree do not trim themselves. Not to be mean but you come off as a spoiled brat to scared to get his hands dirty and thinks i is the job of lesser people to do that, there is no shame in being a working man working a skilled trade.
 
beerftw said:
A trade is highly viable, most of the civilized world from the us to europe is begging for skilled workers in skilled trades not college degrees, the industry in highly viable unless you are scared to get your hands dirty.

You know that equipment at the hospital? does not fix itself. Your car does not fix itself, the copper in the mountain does not mine itself, the roads do not pave themselves, heck tree do not trim themselves. Not to be mean but you come off as a spoiled brat to scared to get his hands dirty and thinks i is the job of lesser people to do that, there is no shame in being a working man working a skilled trade.
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When did I say that? I am just saying for the vast majority of people that is not the case and most jobs and high salaries go to those with university degrees. You would have no business without the people with university degrees or others with post-secondary education creating a need for those services. Who staffs and administrates those hospitals? Who designs the cars you work on and ensures that you have a steady supply of parts from around the globe? Who designs those roads that need to be paved? Who runs the government offices that set the standards for electrical and plumbing work? Who decides where those mines go and perform the administration of a mine?

I have worked physically in a factory, however in administration, I helped ensure that the company was following export regulations. I do not like getting my hands dirty because I never had any interest in it beyond soldering circuit boards and wires together, and my talents and interests have always lied in technology and business. I have also seen the pain and frustration that kind of job causes my dad, I don't want that for me and neither does he. Believe it or not people can have different skillsets and be good at many other things that do not lend well to trades. Tech people are bad at business, business people are bad at tech, both are bad at trades, and trades people are bad at business and tech. You need all kinds but there are far more of the business and tech jobs than there are trades. For every 500 administrative assistants you only need one mechanic, one plumber, one electrician, etc.
 
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Carjosse said:
When did I say that? I am just saying for the vast majority of people that is not the case and most jobs and high salaries go to those with university degrees. You would have no business without the people with university degrees or others with post-secondary education creating a need for those services. Who staffs and administrates those hospitals? Who designs the cars you work on and ensures that you have a steady supply of parts from around the globe? Who designs those roads that needs to be paved? Who runs the government offices that set the standards for electrical and plumbing work? Who decides where those mines go and perform the administration of a mine?

I have worked physically in a factory, however in administration, I helped ensure that the company was following export regulations. I do not like getting my hands dirty because I never had any interest in it beyond soldering circuit boards and wires together, and my talents and interests have always lied in technology and business. I have also seen the pain and frustration that kind of job causes my dad, I don't want that for me and neither does he. Believe it or not people can have different skillsets and be good at many other things but do not lend well to trades. Tech people are bad at business, business people are bad at tech, both are bad at trades, and trades people are bad at business and tech. You need all kinds but there are far more of the business and tech jobs than there are trades. For every 500 administrative assistants you only need one mechanic, one plumber, one electrician, etc.
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Do not bring up automotive engineers, it takes them many years in college to mess up a car, and me with no education hours to fix their mistakes, most of my career has been fixing engineering failures.
 
beerftw said:
Do not bring up automotive engineers, it takes them many years in college to mess up a car, and me with no education hours to fix their mistakes, most of my career has been fixing engineering failures.
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Okay then design your own cars and take over the market then, oh wait, you don't have the skills do that. Your skills lie in fixing cars, which is fine, and I am sure you are quite successful but there are people who are far better at designing cars or ordering parts or maximizing manufacturing efficiency who have received years of education to do their jobs properly. There is an army of office workers and bureaucrats that make sure you can do your job. Do you deny the point I am making?
 
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Carjosse said:
Okay then design your own cars and take over the market then, oh wait, you don't have the skills do that. Your skills lie in fixing cars, which is fine, and I am sure you are quite successful but there are people who are far better at designing cars or ordering parts or maximizing manufacturing efficiency who have received years of education to do their jobs properly. There is an army of office workers and bureaucrats that make sure you can do your job. Do you deny the point I am making?
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Those people who are as you claim far better keep me employed, if I could count the number of engineering screwups on my fingers I would not have enough hands to count them. They are usually beyond terrible, to the point you wonder how many of those engineers were ever employed, when it takes me an hour to fix a car that took years to design, it tells me they are not smarter, they may make more money, but in the intelligence department if they were as smart as me they would have never had the problem to begin with.

This is where the college degree argument falls apart, some industries mandate it, but it does not equal skill, when a mechanic for 5 years can outsmart an engineer of 20 years, it tells me that industry is too reliant on degrees and cares nothing about skill, ford is a current example with most of their designs like the direct shift gearbox and their ecoboost turbo system failing often as fast as it rols out the door, and facing mass lawsuits over their recent crappy designes.
 
beerftw said:
Those people who are as you claim far better keep me employed, if I could count the number of engineering screwups on my fingers I would not have enough hands to count them. They are usually beyond terrible, to the point you wonder how many of those engineers were ever employed, when it takes me an hour to fix a car that took years to design, it tells me they are not smarter, they may make more money, but in the intelligence department if they were as smart as me they would have never had the problem to begin with.

This is where the college degree argument falls apart, some industries mandate it, but it does not equal skill, when a mechanic for 5 years can outsmart an engineer of 20 years, it tells me that industry is too reliant on degrees and cares nothing about skill, ford is a current example with most of their designs like the direct shift gearbox and their ecoboost turbo system failing often as fast as it rols out the door, and facing mass lawsuits over their recent crappy designes.
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You may be able to design a better gearbox for a single or small quantity of cars but can you design a gearbox that can be mass produced in 8 months using parts from an international supply chain and meet US, Canadian, and EU regulations? How about how it will interact with the onboard electronics? They may appear to be bad at their job and some decisions may be bad but there are things that separate a mechanic and an automotive engineer and the team behind them, you only have to make it work which is a challenge but requires different skills than the skills to design and produce cars.

Lets use another example. The military, for every pair of boots on the ground or on base there is also an army of support and administration behind them. The military does not come to my school to recruit soldiers, they come to recruit logistics specialists, accountants, cost analysts, etc. It pays pretty well, but as a caveat you have to join the army and go through basic training which turns off 99% of business students because as I have said different skillsets and interests but the 1% who do it become those behind-the-scenes personnel that keeps the military moving. If they just removed the requirement to join the army I guarantee they would have far more people want to work for them, what use would an accountant be in combat anyways?
 
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Carjosse said:
You may be able to design a better gearbox for a single or small quantity of cars but can you design a gearbox that can be mass produced in 8 months using parts from an international supply chain and meet US, Canadian, and EU regulations? They may appear to be bad at their job and some decisions may be bad but there are things that separate a mechanic and an automotive engineer and the team behind them, you only have to make it work which is a challenge but requires different skills than the skills to design and produce cars.

Lets use another example. The military, for every pair of boots on the ground or on base there is also an army of support and administration behind them. The military does not come to my school to recruit soldiers, they come to recruit logistics specialists, accountants, cost analysts, etc. It pays pretty well, but as a caveat you have to join the army and go through basic training which turns off 99% of business students because as I have said different skillsets and interests but the 1% who do it become those behind-the-scenes personnel that keeps the military moving.
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The easiest and most simple gearbox is the simpson style gearbox, using the simpson gearbox design starting with the cast iron torqueflite by chrysler, the other major one is the Ravigneaux planetary gearset designed by borg warner, peak efficiency in highway was achieved in the 80's with these geartrains, today we are striving for better mileage in town at the expense of highway mileage.
 
beerftw said:
The easiest and most simple gearbox is the simpson style gearbox, using the simpson gearboc design starting with the cast iron torqueflit by chrysler, the other major one is the Ravigneaux planetary gearset designed by borg warner, peak efficiency in highway was achieved in the 80's with these geartrains, today we are striving for better mileage in town at the expense of highway mileage.
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But where are you going to source the 10,000,000 metric tonnes of cast iron? How are you going to get it to the factories? How are you going to market the fuel efficiency of the car? Does it create any more value over offerings by Honda or Hyundai? Why do you think the push is towards in town mileage? There is a lot more to the design of a car than you would know about as a mechanic, you skills are very specialized in the actual mechanics.

But this is all besides the point. Do you understand the point I am making about the role of people with post-secondary education? In the Western world jobs have become far more specialized and thousands of new roles have been created, all requiring some kind of post-secondary education.
 
Carjosse said:
But where are you going to source the 10,000,000 metric tonnes of cast iron? How are you going to get it to the factories? How are you going to market the fuel efficiency of the car? Does it create any more value over offerings by Honda or Hyundai? Why do you think the push is towards in town mileage? There is a lot more to the design of a car than you would know about as a mechanic, you skills are very specialized in the actual mechanics.

But this is all besides the point. Do you understand the point I am making about the role of people with post-secondary education? In the Western world jobs have become far more specialized and thousands of new roles have been created, all requiring some kind of post-secondary education.
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Most cars use more cat aluminum that cast iron now a days, the bigger question though would be not simply sourcing cast iron but the purity of the iron and it's nickel content, a good high nickel block resists rust and is superior to lower quality black and gray irons.

Marketing is a gimmick in itself and often engineers and marketing never meet on anything. As far as the rest of the car I have spent enough time messing with spool valves trying to correct piss poor designs by engineers who work more for marketing than anyone else.

In the end though skilled trades are in a massive shortage, to all these new jobs require post secondary education is false, rather people just do not want to work in skilled trades and get their hands dirty or do any physical work. This is why people are always getting called in from other countries, there is no shortage of non college jobs with high pay but rather a shortage of people willing to do them.
 
Carjosse said:
So I was Reddit and found this article about how 1/5 Canadian millennials are delaying children due to financial worries but for some reason the financial planner in the article seems to think that financials don't matter when considering having children.

The reasons she gives are:
1. You can be a good parent even if you can’t afford to give your kids everything you had as a child (Like education or food)
2. Move back with your own parents for a while, if you need to (Why would you want that after probably living independently for years)
3. Focus on the debt, not the house (children don't need a place to live right?)
4. Have a plan for parental leave (because apparently if you can afford the first 18 months you afford it all)
5. It’s OK to scale back on retirement savings (No, no it is not)

Why is this person allowed to call themselves a financial planner? I feel this should be regulated.
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1. I don't think that the financial planner meant that education or food is not important, I think what he meant was to live within your means. You don't have to spoil your kid so much. As long as you provide enough for your kid and your family, then that's good parenting.
2. Again, the financial planner isn't saying you should, but only if you need to. It will help you save, you know.
3. I think I kind of agree with the financial planner on this one. If you focus on paying your debts first than buying a house on top your existing debts then life will be easier. Having a kid is not an easy task, so less debts is probably more ideal, right?
4. I don't see how this applies to fathers, but I could totally understand this for the moms. They need to heal after pregnancy, after all. I'd say enjoy your maternal leave while you can.
5. I agree with you on this one. Retirement savings is important.
 
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