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Hi Buzzman, I want to address your observation about young people not being able to get ahead with monthly charges like these. At the job where I worked until last spring I had a 25 year old assistant who was willing and able to work hard but he didn't know how to do anything. He wasn't much good at figuring things out, either; you have to have some experience before you have information to to apply to new problems. He lived with his fiance who worked two low paying jobs. They had an apartment at a good price and shared an old car. He started with us through a temp agency (immediately after leaving a factory job he had held for several years) and when I saw that he had a good attitude and potential I got the company to hire him. The pay structure of that company was such that he didn't get his first check for a month. They had to borrow money to get through it. Now here's the real issue: This kid and his girlfriend had cell phones since the day he came to us from the temp agency. (BTW, did you know that there's a law, apparently, that if your cell phone rings you have to answer it. Doesn't matter whether you're working, carrying half of a heavy load, on your way back with a tool you've been sent for, at a meeting, or dealing with a client---you have to answer it. And everybody under 40 seems to know about this law and is fine with it.) Once he was a full time employee and past the probation period, he and his girlfriend got a new car each (Kia's, which showed some restraint) and cell phones that do everything but cook rice and vote. What's wrong with this picture is that these kids are doing exactly what the believe they're supposed to do. Their grandparents don't think so, but their parents do. 99.999% of us are perfectly happy being consumers in a consumerist society. No one is ever truly chastised for foolish spending; even bankruptcies carry no stigma. How are young people going to get ahead with all the things they've been made to believe they have to have? By totally accepting the value system that says that if you have enough worthless crap from the dollar store you ARE ahead. That's all I can figure. All the best, Stan
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