News

New study: outstanding student loans reduce a woman’s odds of marrying

2 Comments
The best majors for women to avoid student loan debt
Top 10 majors with the highest median earnings for women

First, the study, which was published in Demographic Research.

Abstract:

BACKGROUND

With increasing levels of student loan debt, the path to economic stability may be less smooth than it was for earlier generations of college graduates. This paper explores this emerging trend by assessing whether or not student loan debt influences family formation.

OBJECTIVE

The objective of this study is to examine whether student loan debt delays marriage in young adulthood, whether or not the relationship between student loan debt and marriage differs for women and for men, and if this relationship attenuates during the years immediately after college graduation.

METHODS We estimate a series of discrete-time hazard regression models predicting the odds of first marriage as a function of time-varying student loan debt balance, using a nationally representative sample of bachelor’s degree recipients from the 1993 Baccalaureate and Beyond Longitudinal Study (N = 9,410).

RESULTS We find that the dynamics of loan repayment are related to marriage timing for women, but not for men. Specifically, an increase of $1,000 in student loan debt is associated with a reduction in the odds of first marriage by 2 percent a month among female bachelor degree recipients during the first four years after college graduation. This relationship attenuates over time.

CONCLUSION Our study lends support to the proposition that the financial weight of monthly loan repayments impedes family formation in the years immediately following college graduation – however, only for women. This finding questions traditional models of gender specialization in family formation that emphasize the economic resources of men.

I think that a woman who is serious about studying something that will allow her to get a job related to her field so she can quickly pay off her loans in the first few years is a very good sign of RESPECT for a man, and for his role as primary/sole provider. Men choose tough majors / trades for a reason, and they do tough jobs for a reason. When a woman chooses something hard to study and then chooses a hard job to do to pay off her loans, it’s showing to her man that she respects what he is doing to provide for the family. I think this is something that parents need to encourage young women to do, but so often parents focus too much on spiritual / emotional concerns instead of practical wisdom when leading their kids.

When a woman asks a man to work to pay for the marriage – with all the costs of home, furniture, diapers, tuition, etc. – she is asking him for a commitment to work until he is 65. That is a lot to ask, and it is very hard to accept this from a woman who doesn’t understand the difficulty of earning and saving money.

So what do I recommend to a woman? I recommend she do a STEM degree, pay off her debts, guard her chastity, marry young when she is fertile, have a few years of work to pay off student loans and get used to the workplace, demonstrate ability in apologetics and mentoring others, etc. A wife needs to have a lot more skills than just being pretty and young. There are things she has to do in the marriage – things that take preparation. The more accustomed she is to hard work and self-sacrifice, the easier she will take to her role in the marriage. Women who are used to having to do hard things that they don’t feel like doing make the best wives and mothers. It’s something that a woman can grow into, if she lets herself be challenged to grow.

My friend Amy is fond of telling me that people usually adapt to their friends. So if all your friends are very spiritual and impractical, and they don’t have jobs or savings, then chances are you’ll be like them, too. To get out of debt, don’t take financial advice from people who, in their own lives, show no evidence of knowing what to study, how to find a job, how to save money, and so on. Instead of pushing away the people who “rain on your parade” with wisdom, grab them and keep them close. Watch what they do. Talk to them about your finances. Rely on them to hold you accountable for choosing a good major, updating your resume, and continuously growing your salary, through annual raises or job changes. That’s how you get better.

I don’t say these things in order to make women feel bad, or limit their freedom unnecessarily. I tell women to make good decisions to prepare for marriage, to practice self-denial and self-sacrifice, to choose the right men, to not be scared away by strong providers and men with moral and religious convictions. Although on one level, women can be scared off by men who have firm and definite convictions, they need to understand that these men are the most reliable men to marry. Men who don’t make demands on women usually don’t respond well to demands that women make on them. A strict moral and theological framework can seem scary to a woman – she might feel scared that she could be rejected. But it’s exactly these convictions that ground a man’s ability to keep loving her, to stick with her, and to encourage and support her as she grows.

Instead of being frightened by men who ask her to do good things, she should view it as an asset, not a liability. And the more she listens to his leading and grows, the more independent and capable she will be. She will feel better about doing hard things and playing a role. Better than she would feel about always choosing the easy way and then finding herself without accomplishments. Demanding men can be bad, but not if the demands they make are to build the woman up. The demand that a woman be serious about paying her debts with a real plan might seem scary to some women, but the study shows that this is good advice for her to be more attractive – to any man who might want to marry her.

News

I’m not a Jehovah’s Witness for the same reason I’m not a global warming alarmist

4 Comments

In the summer, a couple of Jehovah’s Witness ladies were going door-to-door and they stopped by my house while I was out mowing. I decided to talk to them. They asked me why I was an evangelical Protestant rather than a JW. Rather than go into a lot of theology about the Trinity and the Watchtower translation, I decided to to just tell them about the false predictions their group has made.

So, let’s just quickly review that using this article from Watchman fellowship, which quotes JW publications:

Initially the organization taught the “battle of the Great Day of God Almighty” (Armageddon) would end in 1914. Every kingdom of the world would be overthrown in 1914 which was “God’s date” not for the beginning but “for the end” of the time of trouble.

“…we consider it an established truth that the final end of the kingdoms of this world, and the full establishment of the Kingdom of God, will be accomplished by the end of A.D. 1914” (Watchtower founder, Charles Taze Russell, The Time is at Hand, p. 99).

“…the ‘battle of the great day of God Almighty’ (Rev. 16:14), which will end in A.D. 1914 with the complete overthrow of earth’s present rulership, is already commenced” (Ibid., p. 101).

“CAN IT BE DELAYED UNTIL 1914?…our readers are writing to know if there may not be a mistake in the 1914 date. They say that they do not see how present conditions can last so long under the strain. We see no reason for changing the figures – nor could we change them if we would. They are, we believe, God’s dates not ours. But bear in mind that the end of 1914 is not the date for the beginning, but for the end of the time of trouble” (Watch Tower, 15 July 1894, p. 226).

Clearly, the world did not end in 1914, and it did not end at subsequent JW predictions, either, e.g. 1925, 1975.

So, as the title of the post says that I can’t be a global warming alarmist for the same reason I can’t be a Jehovah’s Witness: failed predictions.

Here’s an excellent article from Daily Signal by famous black economist Walter Williams, who explains the connection:

As reported in The New York Times (Aug. 1969) Stanford University biologist Paul Ehrlich warned: “The trouble with almost all environmental problems is that by the time we have enough evidence to convince people, you’re dead. We must realize that unless we’re extremely lucky, everybody will disappear in a cloud of blue steam in 20 years.”

In 2000, David Viner, a senior research scientist at University of East Anglia’s climate research unit, predicted that in a few years winter snowfall would become “a very rare and exciting event. Children just aren’t going to know what snow is.”

In 2004, the U.S. Pentagon warned President George W. Bush that major European cities would be beneath rising seas. Britain will be plunged into a Siberian climate by 2020. In 2008, Al Gore predicted that the polar ice cap would be gone in a mere 10 years. A U.S. Department of Energy study led by the U.S. Navy predicted the Arctic Ocean would experience an ice-free summer by 2016.

In May 2014, French Foreign Minister Laurent Fabius declared during a joint appearance with Secretary of State John Kerry that “we have 500 days to avoid climate chaos.”

Peter Gunter, professor at North Texas State University, predicted in the spring 1970 issue of The Living Wilderness:

Demographers agree almost unanimously on the following grim timetable: by 1975 widespread famines will begin in India; these will spread by 1990 to include all of India, Pakistan, China and the Near East, Africa. By the year 2000, or conceivably sooner, South and Central America will exist under famine conditions. … By the year 2000, thirty years from now, the entire world, with the exception of Western Europe, North America, and Australia, will be in famine.

Ecologist Kenneth Watt’s 1970 prediction was, “If present trends continue, the world will be about four degrees colder for the global mean temperature in 1990, but eleven degrees colder in the year 2000.” He added, “This is about twice what it would take to put us into an ice age.”

Williams concludes:

Today’s wild predictions about climate doom are likely to be just as true as yesteryear’s. The major difference is today’s Americans are far more gullible and more likely to spend trillions fighting global warming. And the only result is that we’ll be much poorer and less free.

We have known for decades that the Earth’s temperatures were much warmer during the “Medieval Warming Period”, hundreds of years ago. But some people are just having irrational fears about overpopulation, resource shortages, etc. and so they will promote nonsense to try to scare people into doing what they want. World history is full of pious-sounding attention-seeking hoaxsters who try to scare the gullible masses into giving them money and/or power. It’s not new.

News

What did Democrat presidential candidates say at the CNN forum on LGBT issues?

11 Comments
Enraged Joe Biden howls out his hatred for Bible-believing Christians
Democrat presidential candidate Joe Biden raging against Christians

I was at the National Conference on Christian Apologetics in Charlotte, North Carolina last week, so I missed reporting on the Democrat presidential candidate discussion of LGBT issues hosted by CNN. But there were a few things said by the candidates that I think that Christian voters need to know about.

Here’s a clip of some of the weirdest things that were said:

And here’s a story about the event from the Washington Free Beacon:

Sen. Elizabeth Warren (D., Mass.) called her previous stance on taxpayer funds going to sex reassignment surgeries wrong.

“I think that was a bad answer,” Warren said, reneging on her 2012 criticism of a federal court’s ruling that Massachusetts must provide sex reassignment surgery to a convicted murderer.

Warren’s comments follow the release of her plan for LGBTQ Americans on Thursday. Among other proposals, Warren has promised to direct the Bureau of Prisons to imprison transgender individuals in facilities in accordance with their gender identity.

Elizabeth Warren is the front-runner in the Democrat primary. But what I found the most disturbing was a comment from Robert “Beto” O’Rourke, who is from TEXAS of all places.

A different Washington Free Beacon article explains:

Presidential candidate Beto O’Rourke (D., Texas) said he would strip religious institutions of their tax exempt status if they oppose same-sex marriage.

“We are going to stop those who are infringing upon the human rights of our fellow Americans,” the former congressman said during CNN’s Equality Town Hall on Thursday.

CNN host Don Lemon pressed O’Rourke on the particulars of his plan for LGBT Americans.

“Do you think religious institutions like colleges, churches, charities, should they lose their tax exempt status if they oppose same sex marriage?” Lemon asked.

O’Rourke answered with an unequivocal yes, and stressed that as president, he would make punishing religious organizations a priority.

“There can be no reward, no benefit, no tax break for anyone or any institution, any organization in America that denies the full human rights and the full civil rights of every single one of us,” O’Rourke said.

You might think that Joe “Bloody-Eyes” Biden would be more moderate. He spoke recently at an event put on by the Hum4n R1ghts C4mp4ign about what he would do if elected president.

Here’s the report on the speech from PJ Media:

Biden announced at an event in Ohio on Saturday that his number one priority, if elected, will be to enshrine LGBTQ rights into federal law via the Equality Act, a contentious, Orwellian effort by left-wing bullies to silence Christians who believe biblical teachings on marriage and reject the view that boys can be girls and girls can be boys.

During a half-hour speech at the Hum4n R1ghts C4mp4ign’s annual gala in Columbus, Ohio, Biden said, “It’s wrong and it is immoral what [the Trump administration] is doing,” citing efforts to bar transgender troops from the U.S. military and protect medical providers from being forced to violate their consciences.

[…]During his speech Biden portrayed LGBTQ individuals as victims, ignoring the fact that it is people of faith who have been the big losers in this war of ideas. Bakery owners are being sued out of existence, medical professionals are being pressured to embrace transgender ideology, and major corporations are pulling their business out of states that seek to protect religious freedom — which, by the way, is what made Mike Pence Public Enemy #1 in the eyes of the cultural revolutionaries.

[…]”The current vice president uses religious freedom as an excuse to license discrimination across broadly [sic] areas and denying LGBTQ Americans their basic rights. It is wrong and it is immoral what they are doing,” he declared.

“Just look at how much damage has been done in the past two weeks,” Biden said. […]The Department of Housing and Urban Development announced plans to allow homeless shelters to turn away transgender people. This is beyond the scope of anything remotely what we’ve seen before.”

To be clear, when he’s talking about homeless shelters, he’s talking his support for putting biological males into women’s shelters, where many of the women will have suffered sexual abuse.

I really enjoyed what Ben Shapiro had to say about this CNN event last Friday:

When a political party picks a political candidate, they normally pick candidates who are the most moderate, so they can win the general election. So, when you’re looking at these statements by Warren and O’Rourke and Biden, just keep in mind that these are the moderate people in the Democrat party. I wonder what the real Democrats would do to people who disagree with LGBT rights?

By the way, if you would like to know more about the HRC group, then check out my previous post on their co-founder.