German FKK Clubs - Lounge and chat area

[QUOTE=Jnpr30;2222894]The average student debt is ranging from 20 grand to 40. Is it too much, just oK? That's the average. And not everyone has debt at the time of graduation. If you go in state, it is much cheaper. A smart student with common sense might study Electrical Engineering at the local state school and graduate with very little debt and obtain a great job paying 60 grand right out of gate. Someone with less common sense might pay an arm and leg to obtain a degree in gender studies or Arabian Lit or some such subject from out of state school or a prestigious Ivy League, graduate with 200 grand debt and bleak job prospects.

[URL]https://ticas.org/posd/map-state-data[/URL]

On the whole, I think debt levels at graduation are high but not outrageous. Our system is still providing great jobs. What's the point of spending 4 years in college as they do in Spain or Italy or other places, find no job, go back to school to park yourself for another 3 and then another 2 and so on till mid 30's? When the education leads to a well paying job, that education is worth paying for.

The underlying reasons for debt increase are far more complex. Our system is flooded with easy loans. In addition to Sallie, there is tons of easy private money for student loans. An 18 yr old who has no clue about future debt burden signs up for these loans because it is so easy to get them. Schools found it easy to raise tuitions because so many students were able to borrow and pay up. Not different from how easy money fueled the housing crisis of 2008. And there are easy loans available because every institution and central bank in the world parks their reserves in dollar and then look for microscopic yield advantages. This is a privilege and burden that comes from dollar being world's reserve currency.

Secondly, we have millions of foreign students who come from the richest families in their countries and willing to pay whatever tuition American schools charge. To some extent, thy set the upper end of the price range.

As for high schools, there is such a wide range. Yes, inner city schools may be failing, but at the same time there are thousands of schools which are truly outstanding. Just remember, these same high school students go into American universities and if they were so ill prepared in high school they would be flunking out badly in college but they are not.[/QUOTE]By saying that student debt is okay, I think you are being excessively pro American at all costs. Why compare the US to Italy and Spain, those are obviously not the prime examples. Why don't you compare the US to Germany, the Netherlands, Sweden and Denmark. Compare Louisiana and Arkansas to Italy and Spain, and how many great jobs are there in Louisiana and Arkansas?

20 to 40 K is the recent average? Where is the trend going? 40 K tuition average at private school is insane. The University of California's instate tuition is now around $14000, are you really saying all is fine and well in the homeland?

[QUOTE=Jnpr30;2222780]If American boys and girls are so uneducated, how are the best tech firms all in the US land -- for the most part, these are staffed with many youngsters who were deemed to be behind their Korean and other counterparts in the recent past.[/QUOTE]Much of the tech talent at USA Firms are not produced domestically any more like it was in the 1960's.

Close to 75 percent of engineers in Silicon Valley are foreign citizens, including 79% of the female engineers: [URL]https://www.mercurynews.com/2018/01/17/h-1b-foreign-citizens-make-up-nearly-three-quarters-of-silicon-valley-tech-workforce-report-says/[/URL].

Percentage of international students at USA Graduate schools (81% electrical engineering, 79% computer science): [URL]https://www.insidehighered.com/quicktakes/2017/10/11/foreign-students-and-graduate-stem-enrollment[/URL].

[QUOTE=Jnpr30;2222780]And exactly how did US GDP per capita and average net income grow muchh faster than the rest of G8 over a decade and more?[/QUOTE]One article I skimmed said the decline in education started within the last 45 years in the USA. Around that same time is when the USA Military began funding for a research project that would later become the Internet. Can we agree that the Internet is the "Industrial Revolution" of the 20th century? And that America is still reaping the economic benefits of technology it harvested back then? Britain was the first to industrialize and became the richest nation on earth as a result, did their economic advantages and infrastructure investments disappear overnight? America is still the richest nation and still has its "brand name" to be able to attract skilled foreign workers.

Artificial Intelligence (and related by-products like self-driving cars) is predicted to be the next technology shift. Some industry insiders believe China might take the lead in AI within a decade and reap the economic spoils. Can the USA afford to abdicate the lead there?

STEM is also a matter of national security. USA, Russia and China are all funding research quantum computing research efforts. This is essentially the Manhattan Project of the 21st century. For obvious reasons, you would not be able to use immigrant scientists for this type of work, not without a great deal of scrutiny anyway. "The fall of modern cryptography would disrupt the economy as well as the balance of power across nation states. " [URL]https://www.forbes.com/sites/jasonbloomberg/2017/08/11/this-is-why-quantum-computing-is-more-dangerous-than-you-realize/[/URL].

[QUOTE=DeltaIndigo;2223042]By saying that student debt is okay, I think you are being excessively pro American at all costs. Why compare the US to Italy and Spain, those are obviously not the prime examples. Why don't you compare the US to Germany, the Netherlands, Sweden and Denmark. Compare Louisiana and Arkansas to Italy and Spain, and how many great jobs are there in Louisiana and Arkansas?

20 to 40 K is the recent average? Where is the trend going? 40 K tuition average at private school is insane. The University of California's instate tuition is now around $14000, are you really saying all is fine and well in the homeland?[/QUOTE]Alas, Mr. Indigo's points are indisputable. A chart:

[URL]http://lenkiefer.com/img/charts_may_21_2017/cpi_05_21_all_2017%20with%20ed.gif[/URL]

In short, health and education costs have ballooned since the nineties. And I remember there was already a big problem in the nineties.

It's why I wouldn't want to raise a family in the US. And that's without even getting to the Sex Prison aspects.

[QUOTE=DeltaIndigo;2223042]By saying that student debt is okay, I think you are being excessively pro American at all costs. Why compare the US to Italy and Spain, those are obviously not the prime examples. Why don't you compare the US to Germany, the Netherlands, Sweden and Denmark. Compare Louisiana and Arkansas to Italy and Spain, and how many great jobs are there in Louisiana and Arkansas?

20 to 40 K is the recent average? Where is the trend going? 40 K tuition average at private school is insane. The University of California's instate tuition is now around $14000, are you really saying all is fine and well in the homeland?[/QUOTE]How much a person decides to borrow is that person's own decision. It is not upto me to say that is OK or not. When I say the debt is OK, it is at a systemic level. If Sallie goes belly up, then the tax payer has to bail it out, that's no good. I am against providing a backstop to poor lenders.

I already said sensible kids can pay less tuition, go instate and get great education in a subject that is lucrative. So, I am not justifying this by any means. If a rich dad wants to splurge and send his kid to a elite private school studying Arab Lit and medieval music history, so be it.

But the key source of the problem is the easy money in the system. When rates are kept artificially down for decades, asset price distortions happen.

As for doing selective comparisons A quick search shows US per capita GDP is still comfortably ahead of Germany or Netherlands. And the gap has grown in favor of US take a look at how those numbers were 10 years ago and today.

And no, I am not being excessively pro American at all costs. This debate started when people started dumping on US and how poorly educated we are etc. Really? I ask again, why is all that impressive education not translating into economic gains or new company formation in Europe, especially in technology given all their vaunted math prowess. Someone else even said Trump election is somehow indicative of Poorly educated Americans. Hmm. We just had Sweden Democrats winning a big vote share, LE Pen almost winning in France, AFD gaining strength in DE, Orban in Hungary, far right gaining in NED, not to mention Putin. But let us bash Americans, why not?!

I am pretty happy to trash our sex scene. Most Americans here are happy to admit FKK is numero uno, and how lucky Germans are. I have nothing but respect for Germans, their clubs are super awesome. But no need to dump on Americans on other topics.

[QUOTE=DeltaIndigo;2222883]I finished my BA and MA in the USA and also studied in Sweden. I call tell you that the US education system is far superior, at least at the university level than most European systems.[/QUOTE]Where does your alma mater rank? The top ranked American universities are still exceptional and considered amongst the best in the world. The other 90% of American universities produce graduates that are hit-and-miss. Also, grade inflation is a more recent phenomenon so if you graduated two decades ago perhaps this does not apply.

[QUOTE=Jnpr30;2222894]As for high schools, there is such a wide range. Yes, inner city schools may be failing, but at the same time there are thousands of schools which are truly outstanding. Just remember, these same high school students go into American universities and if they were so ill prepared in high school they would be flunking out badly in college but they are not.[/QUOTE]I agree that there is a wide range. Elite high schools in the US are feeder schools into the elite American universities. But as with my answer above, the other 90 percent of American high schools will pass anybody with a pulse (okay slight exaggeration). Despite being ill-prepared, they are not flunked out because at "Party University", students can earn degrees with minimal effort because in the past few decades universities have become commoditized and students are treated like consumers:

"When you treat a student as a customer, the customer is, of course, always right," he writes. "If a student and parent of that student want a high grade, you give it to them. ".

[URL]http://www.thefiscaltimes.com/2016/04/04/Real-Reason-It-s-So-Easy-Get-s-College[/URL]

[QUOTE=Neurosynth;2222735]The main driver is that students fill out evaluation forms at the end of the semester, and it's simply a fact that instructors who are hard graders get lower evaluations. And those evaluation numbers have an influence, often a very strong influence, on the faculty member's yearly evaluation and pay increase. I. e. Instructors have a quick and direct monetary incentive to give high grades.[/QUOTE]This exact point is made here: [URL]https://mtprof.msun.edu/Spr1997/TROUT-ST.html[/URL] when he proposes the "the elimination of student evaluations".

[QUOTE=Chongmal;2222774]I have personally witnessed parents in school, yelling and screaming at teachers because their child received an average grade. The next day, my children told me the child was bragging because their grade was raised. [/QUOTE]This exact point is made here: [URL]http://blogs.edweek.org/edweek/top_performers/2015/04/why_have_american_education_standards_collapsed.html[/URL] "In other countries, grades are the result of a student's performance on an externally graded test. Everyone gets together to help Junior meet the high standards. In the USA, the land of second chances and wobbly standards, it is far easier to put pressure on the principal to put pressure on the teacher to give Junior the grades required to get into college. " The author also proposes his own theories about why vocational schools disappeared.

[QUOTE=Jnpr30;2223072]

And no, I am not being excessively pro American at all costs. This debate started when people started dumping on US and how poorly educated we are etc. Really? I ask again, why is all that impressive education not translating into economic gains or new company formation in Europe, especially in technology given all their vaunted math prowess. Someone else even said Trump election is somehow indicative of Poorly educated Americans. Hmm. We just had Sweden Democrats winning a big vote share, LE Pen almost winning in France, AFD gaining strength in DE, Orban in Hungary, far right gaining in NED, not to mention Putin. But let us bash Americans, why not?!

I am pretty happy to trash our sex scene. Most Americans here are happy to admit FKK is numero uno, and how lucky Germans are. I have nothing but respect for Germans, their clubs are super awesome. But no need to dump on Americans on other topics.[/QUOTE]I have experienced my share of America bashing, especially in Sweden and I really don't like it either.

Trump did not get elected because people are stupider but rather due to the enormous stresses in American society.

Victor Orban is a disgrace but the only elected politician you listed in addition to Trump, Italy would have constituted a better example. In Sweden the far right got 17.6 per cent of the vote but Trump won the electoral college.

Something is seriously wrong when a country elects a blatantly unapologetic liar and self serving politician like Trump.

I don't like it when people bash America to soothe their own insecurities, but it is undeniable to that America has made an enormous mistake worthy of criticism.

How could anyone have faith in such a self serving and self centered narcissist. Why should anyone be silly enough to think he cares about them or excuse his flagrant distortion of facts.

I am afraid this is a severe stain on our country that can't be excused. Hillary was an awful candidate, but people should have known better.

There are plenty of tech companies being formed in Europe. Check out tech. Eu and other sites if you want to know more about startup scene. Changing the subject has anybody tried Mietmich, which is rival website to Kaufmich?

Sorry McA, I have no idea how much recent experience you have with US universities let alone US high schools to be making such sweeping, derogatory comments. Do you always make such generalizations? If Chongmal makes a comment about this subject it has good validity because he acknowledged he has kids in schools here. It is like me talking about the lineup in Brazilian termas never having stepped inside after I read a few reviews on an escort site.

So, 90% of our schools and colleges are worthless and we have the top GDP and per capita among the larger industrialized nations because we have some immigrants. Yup, we will go with that. Please tell us if the percent of worthless grads and grade inflation is much less in Europe. Despite such exacting standards, why is EU falling behind? Hmm.

Perhaps Europe can figure out if they can attract some immigrant engineers? I guess that is the only reason that US has been forging ahead? We must be doing something right if most of the brightest people in the world want to come work here. Wonder why they are skipping EU, despite the FKK clubs. I would go there in a heartbeat if they pay me the same 😀😀

BTW, these days we have just as many websites and blogs as there are people. If you search hard enough, you can always find a site that supports a view point. Does not make it encyclopedia britannica.

[QUOTE=Mongerer88;2222930]Be fair, Hungry. If I recall correctly, you had a good time with Hobby Shop and with a 100 Proof agency lady I think I recommended who looked like Mila Kunis. Granted that 100 Proof agency is now $500 an hour but she was cute and full GFE. The original question presented was whether someone who is in Vegas for work or finds a very inexpensive domestic flight is better off spending $900-$1,000 on two ladies, or should he incur much more significant travel costs by choosing to fly outside of the US to go to an international destination with much better prices for the same service and less screening hassles. It is a legitimate question. I do Vegas and I do international. If you choose properly in Vegas (quality independent or with the one or two legitimate agencies), I get the same thing as overseas, just at a much higher price, obviously.[/QUOTE]Perhaps I came across as a little harsh but Vegas is so expensive. It is hard to jump up and down about an experience when I can get the same thing or better in Montreal for about 40% of the price. In Brazil, I can have a nice 3-sum for $80 USD or about 20% of the price. Yes, I had a good time with both 100 Proof and the Hobbyshop and I would recommend them if you are there. 100 Proof bailed me out after Marie Styles stood me up. If I am in Vegas I would call one or the other again but I wouldn't do both. I would save my money for a better hobby destination.

[QUOTE=Mongerer88;2223037]


The problem is accepting this bullshit that the Dentist can only pay $18,000 a year back from his $225,000 a year salary. Most people in California (assuming the $80,000 a year household income is for two people) make $40,000 or so each.

I think this helps non-US guys understand why top US escorts charge so much and get so much per hour. The incomes and costs of living are higher in the US.[/QUOTE]Yes, but if the fucker continues to pay 1,600 $ USD / month for a few more years and he will owe $2 MM and then the US tax payer will pay it.

I remember who your favorite is. I found her on Eros. She still looks good.

[QUOTE=KosherKowboy;2222947]T
Either way, for those here who do go to Brazil and speak no Portuguese how does your English and Spanish (if speak it) hold up with the girls?

I think Turgid and HungryStud and I am sure a few others are both well schooled in Brazil and given I have read their numerous posts here and have a point of reference to go off it would be nice even if in a PM to get their perspective not on the quality or pricing of the girls but on the language barriers if any as well as any safety issues. I know there is much info on that forum but sometimes when you are familiar with a poster it is much easier to put in perspective their thoughts than posters you have no clue about.[/QUOTE]Something about Portuguese: My friends tell me tha thtye can understand Spanish a lot better than the Spanish speaking peoples of LAA can understand them. My friend Gus learned Spanish in about two weeks so I got to think that coming back the other way (a Spanish speaking person learning Portuguese would be similarly easy. Just don't think that an English speaker can pick up Rosetta Stone or Pimsular and then go there and not have need for a interpreter. I've done Babel, Rosseta Stone, Pimsular, and Semantica. Most several times and I have made multiple trips of 12 days or more and I am by no means fluent.

Rio is one place you can probably find many GDPs that can speak English. In Sao Paulo, Mato Grosso, and Joinville, I have never met an English speaking GDP. Not to day they are not there. I just have not met them.

In the Sao Paulo there is a guy named ABG or AltoBomGusto that used to have a sex tourism business where he would take you to two clinicas a day and help you book the girl for a charge of 100 R / day. I have had friends that have used his service and say it is well worth it. For me, I have friends there and I also hop in a can and go to places myself as I am really trying to learn the language and I am having fun with it.

KK. Recently, I met a Colombian in the airport who was afraid to go to Brazil on vacation. I said "But sir. You are from Colombia. " Part of the problem is 24-hour news cycle and cable TV. I was pickpocketed at Carnaval - really a block party outside of Carnaval in Rio. The actual Carnaval was extremely safe. It is not like walking the streets of Montreal or Germany but I feel pretty safe.

[QUOTE=HungryStud101;2223115]I got to think that coming back the other way (a Spanish speaking person learning Portuguese would be similarly easy.
Rio is one place you can probably find many GDPs that can speak English. In the Sao Paulo there is a guy named ABG or AltoBomGusto[/QUOTE]Yes, It was easy for me to learn Portuguese. Knowing Spanish helped immensely. (BTW, Spanish hindered me learning French.) There is a negative to English speaking garotas: they've been around the block several times, and are usually hardened pros. Wow! ABG, there's a name you don't see anymore on the Brazil threads.

Don't want to hijack education discussion but I am curious about this.

I am in a relationship but the next trip might take me into FKK land. I know I can go covered all the way and alleviate any of the fears when I get back but what if one elects to get uncovered BJ. What is the adequate amount of time after the last exposure to make sure one is STD free? Any other thoughts or ideas are appreciated.

TIA.

[QUOTE=JavaMan;2223189] (BTW, Spanish hindered me learning French.) There is a negative to English speaking garotas: they've been around the block several times, and are usually hardened pros..[/QUOTE]I love hardened pros as long as they don't try to rip me off than in that case it is on to the next. I love high miles on them, usually means they have stood the test of time or perhaps made a living ripping off tourists but one can usually sniff those types out in a short talk. One can always walk away if they sniff a scam artist. As to Spanish hindering your French I had the same issue in reverse. 5 years of high school French made it harder to learn the Spanish and to this day I still will toss out a French word when speaking Spanish.

[QUOTE=HungryStud101;2223115]I've done Babel, Rosseta Stone, Pimsular, and Semantica. Most several times and I have made multiple trips of 12 days or more and I am by no means fluent.

KK. Recently, I met a Colombian in the airport who was afraid to go to Brazil on vacation. I said "But sir. You are from Colombia. " Part of the problem is 24-hour news cycle and cable TV. I was pickpocketed at Carnaval - really a block party outside of Carnaval in Rio. The actual Carnaval was extremely safe. It is not like walking the streets of Montreal or Germany but I feel pretty safe.[/QUOTE]I am curious how you have fared using those programs. I tried Babel and found it useless, I have also been accustomed to Private Lessons at a school here so found it not only boring with no actual one on one interaction and not very good yet others swear by some of those programs. I studied with a foreign school using SKYPE and at $11 an hour (school was cheap, in Antigua) and it was for sure much better than the programs you mentioned but was kind of boring as well staring at a screen for all the studying with a little screen with the image of the teacher in the corner. I actually have gotten my best Spanish practice the last few years at Mainhatten, Sharks and Dietzenbach. 3 to 4 of the Gypsies are fluent in Spanish and speak it very well almost flawless, Mainhatten has several and Sharks did as well and sometimes it is easier to use Spanish than English if their English level is lower than my Spanish level. I like seeing the Spanish speaking ones, sort of get private lessons on top of blowjobs and sex and I get to improve my dirty Spanish as well.

I wouldn't say I am scared to go to Brazil just have more reservations and hesitations and IMO one can get pick pocketed at the FFMain station or watching the fourth of July fireworks on the Mall in DC just as easy as during Carnival. Like any place I guess the first trip make it easy, get the lay of the land, perhaps go or meet up with another monger and just stay at a decent place on the beach and take taxis to the Termas and eat meals at or near the hotels until one knows the area a tad. For every story we hear of ' Guy got mugged leaving a cash station' there are probably thousands of guys who used that same cash station without incident. Just like we read a bad restaurant review or hotel review, often no one writes when happy only when bad. I remember reading so much about muggers and thieves in Negril and even in Philipsburg at night and never to walk the roads etc yet once there never an issue and I walked those very streets with no issues.

Brazil is worth a shot for me as several I know who have gone swear by it and tell me these clubs are high end and classier and much more in line with what I am used to in Germany and although I do not fuck the men I am told the clientele in Brazil relative to Colombia is night and day as well and I enjoy chatting it up with other guys and hearing stories of good places. Colombia I will save for a recession / bear market when the time comes to cut back on spending and visit low budget places or I will just go to only Day Care and learn to embrace the RLD so I can still be in Western Europe.

But I am pretty sold on Brazil, a must see just need to research the flights and find the right hotels as I will not use Air BnB anywhere, admittedly I am a hotel snob and like safe boxes, front desks, sometimes security, the ability to switch rooms in a minute not writing a landlord if an issue arises and most serve breakfast. Since I am not a big fan of takeout or TLNs not so worried about rules on bringing girls in but would be nice to have the option; I can't imagine Rio hotels not allowing girls in, maybe the fine upper end ones have policies but I can't imagine blanket bans on the girls perhaps a fee if anything. If an issue will just fuck in those clubs, a win-win.

[QUOTE=KosherKowboy;2223286]

But I am pretty sold on Brazil, a must see just need to research the flights and find the right hotels as I will not use Air BnB anywhere, admittedly I am a hotel snob and like safe boxes, front desks, sometimes security, the ability to switch rooms in a minute not writing a landlord if an issue arises and most serve breakfast. Since I am not a big fan of takeout or TLNs not so worried about rules on bringing girls in but would be nice to have the option; I can't imagine Rio hotels not allowing girls in, maybe the fine upper end ones have policies but I can't imagine blanket bans on the girls perhaps a fee if anything. If an issue will just fuck in those clubs, a win-win.[/QUOTE]The JW Marriott on Copacabana was the only hotel that I know that you don't have to pay a fee to bring a girl home. There may be others but I am not aware of them. Every place in Latin America, the girl will need her I. The. In order for you to bring her to your hotel. The hotel l fee can be steep. I remember it was significant the one time I picked a girl up in the lobby bar of the Hyatt in Sao Paulo. As I was told by Tanjo Libre that law is for your protection. If you get ripped off or the hotel gets ripped off they have the girls ID. You have to pass the "red face" walking ast the front desk. I once brought in a girl that was 18 years old and 3 months wearing 6" heels and the tightest and shortest little black dress and all eyes were on me! Just remember, Brazil has this system of love motels. You can always take them to a motel.

I prefer Sao Paulo as the girls are prettier in my opinion and the deals are better. The city is huge and intimidating and I do not think I have heard a word of English spoken by the Clinica girls, the freelancers, or the hotel girl or nay of the people at the desk. Honestly, my Portuguese grows by leaps in bounds in these places.