• Welcome to the Chronicle Forums.
    Please complete your profile. The forums and the rest of www.chronofhorse.com has single sign-in, so your log in information for one will automatically work for the other. Disclaimer: The opinions expressed here are the views of the individual and do not necessarily reflect the views and opinions of The Chronicle of the Horse.

Announcement

Collapse

Forum rules and no-advertising policy

As a participant on this forum, it is your responsibility to know and follow our rules. Please read this message in its entirety.

Board Rules

1. You’re responsible for what you say.
As outlined in Section 230 of the Communications Decency Act, The Chronicle of the Horse and its affiliates, as well Jelsoft Enterprises Ltd., the developers of vBulletin, are not legally responsible for statements made in the forums.

This is a public forum viewed by a wide spectrum of people, so please be mindful of what you say and who might be reading it—details of personal disputes are likely better handled privately. While posters are legally responsible for their statements, the moderators may in their discretion remove or edit posts that violate these rules. Users have the ability to modify or delete their own messages after posting, but administrators generally will not delete posts, threads or accounts upon request.

Outright inflammatory, vulgar, harassing, malicious or otherwise inappropriate statements and criminal charges unsubstantiated by a reputable news source or legal documentation will not be tolerated and will be dealt with at the discretion of the moderators.

2. Conversations in horse-related forums should be horse-related.
The forums are a wonderful source of information and support for members of the horse community. While it’s understandably tempting to share information or search for input on other topics upon which members might have a similar level of knowledge, members must maintain the focus on horses.

3. Keep conversations productive, on topic and civil.
Discussion and disagreement are inevitable and encouraged; personal insults, diatribes and sniping comments are unproductive and unacceptable. Whether a subject is light-hearted or serious, keep posts focused on the current topic and of general interest to other participants of that thread. Utilize the private message feature or personal email where appropriate to address side topics or personal issues not related to the topic at large.

4. No advertising in the discussion forums.
Posts in the discussion forums directly or indirectly advertising horses, jobs, items or services for sale or wanted will be removed at the discretion of the moderators. Use of the private messaging feature or email addresses obtained through users’ profiles for unsolicited advertising is not permitted.

Company representatives may participate in discussions and answer questions about their products or services, or suggest their products on recent threads if they fulfill the criteria of a query. False "testimonials" provided by company affiliates posing as general consumers are not appropriate, and self-promotion of sales, ad campaigns, etc. through the discussion forums is not allowed.

Paid advertising is available on our classifieds site and through the purchase of banner ads. The tightly monitored Giveaways forum permits free listings of genuinely free horses and items available or wanted (on a limited basis). Items offered for trade are not allowed.

Advertising Policy Specifics
When in doubt of whether something you want to post constitutes advertising, please contact a moderator privately in advance for further clarification. Refer to the following points for general guidelines:

Horses – Only general discussion about the buying, leasing, selling and pricing of horses is permitted. If the post contains, or links to, the type of specific information typically found in a sales or wanted ad, and it’s related to a horse for sale, regardless of who’s selling it, it doesn’t belong in the discussion forums.

Stallions – Board members may ask for suggestions on breeding stallion recommendations. Stallion owners may reply to such queries by suggesting their own stallions, only if their horse fits the specific criteria of the original poster. Excessive promotion of a stallion by its owner or related parties is not permitted and will be addressed at the discretion of the moderators.

Services – Members may use the forums to ask for general recommendations of trainers, barns, shippers, farriers, etc., and other members may answer those requests by suggesting themselves or their company, if their services fulfill the specific criteria of the original post. Members may not solicit other members for business if it is not in response to a direct, genuine query.

Products – While members may ask for general opinions and suggestions on equipment, trailers, trucks, etc., they may not list the specific attributes for which they are in the market, as such posts serve as wanted ads.

Event Announcements – Members may post one notification of an upcoming event that may be of interest to fellow members, if the original poster does not benefit financially from the event. Such threads may not be “bumped” excessively. Premium members may post their own notices in the Event Announcements forum.

Charities/Rescues – Announcements for charitable or fundraising events can only be made for 501(c)(3) tax-exempt organizations. Special exceptions may be made, at the moderators’ discretion and direction, for board-related events or fundraising activities in extraordinary circumstances.

Occasional posts regarding horses available for adoption through IRS-registered horse rescue or placement programs are permitted in the appropriate forums, but these threads may be limited at the discretion of the moderators. Individuals may not advertise or make announcements for horses in need of rescue, placement or adoption unless the horse is available through a recognized rescue or placement agency or government-run entity or the thread fits the criteria for and is located in the Giveaways forum.

5. Do not post copyrighted photographs unless you have purchased that photo and have permission to do so.

6. Respect other members.
As members are often passionate about their beliefs and intentions can easily be misinterpreted in this type of environment, try to explore or resolve the inevitable disagreements that arise in the course of threads calmly and rationally.

If you see a post that you feel violates the rules of the board, please click the “alert” button (exclamation point inside of a triangle) in the bottom left corner of the post, which will alert ONLY the moderators to the post in question. They will then take whatever action, or no action, as deemed appropriate for the situation at their discretion. Do not air grievances regarding other posters or the moderators in the discussion forums.

Please be advised that adding another user to your “Ignore” list via your User Control Panel can be a useful tactic, which blocks posts and private messages by members whose commentary you’d rather avoid reading.

7. We have the right to reproduce statements made in the forums.
The Chronicle of the Horse may copy, quote, link to or otherwise reproduce posts, or portions of posts, in print or online for advertising or editorial purposes, if attributed to their original authors, and by posting in this forum, you hereby grant to The Chronicle of the Horse a perpetual, non-exclusive license under copyright and other rights, to do so.

8. We reserve the right to enforce and amend the rules.
The moderators may delete, edit, move or close any post or thread at any time, or refrain from doing any of the foregoing, in their discretion, and may suspend or revoke a user’s membership privileges at any time to maintain adherence to the rules and the general spirit of the forum. These rules may be amended at any time to address the current needs of the board.

Please see our full Terms of Service and Privacy Policy for more information.

Thanks for being a part of the COTH forums!

(Revised 1/26/16)
See more
See less

Where in the world is Fat Palomino?

Collapse
This topic is closed.
X
X
  • Filter
  • Time
  • Show
Clear All
new posts

  • Originally posted by LarkspurCO View Post
    [edit]
    [edit]?

    FP has posted that it took her 11 yrs to finish college. She had it all on the Alex Brown Forum and now it's gone within the last few months. Do the math. Ross Univ.. started in 2008 according to her info that was on Alex Brown website. So how long with student loans, and what were they used for? Another reason to always check out your doctor and your vet. My horses'
    doctor graduated from Michigan State, to keep this horse related.

    ETA since FP lived in the guy's house for at least a month, I'm sure she might remember his name and that of his mother, both of whom were trying to help out a destitute person. Too bad they didn't know about the student loans.
    Last edited by Moderator 1; Oct. 8, 2012, 08:19 PM.

    Comment


    • Originally posted by Lynnwood View Post
      So your like what the COTH hallway monitor ... oh no's better be good Mike's watching
      Is that a sentence? "your", "no's"??

      Here, let me help.

      "So you're like the COTH hallway monitor. Oh no! Better be good. Mike's watching!"

      Ahh, now that's the way you do it.
      "No matter how well you perform there's always somebody of intelligent opinion who thinks it's lousy." - Laurence Olivier

      Comment


      • Originally posted by FrenchFrytheEqHorse View Post
        Second, private student loans are BIG business. They are EXTREMELY easy to get, and come with almost no stipulations regarding how you can spend them. They are underwritten by the banks that issue them, the same way any private loan would be underwritten. They're typically viewed as a poor way to finance your education, but when there's no other option, it's how A LOT of people pay. I imagine this is how FP is buying a truck and trailer and financing a European vacation with student loans (I have a lot of friends and close family members in grad school right now, and none of them would be able to use their federal loans to do any of this). Private student loans are HUGELY unregulated. Yes, it's getting better, but it's a SHOCKINGLY unregulated business, and it's not difficult to secure money in the way FP describes, particularly for an education that results in a Dr. of Medicine degree from a foreign institution.

        If FP has private student loans (which is extremely likely considering she went to school in the Caribbean and her school does not accept US federal student loans as confirmed on this thread by a student at the same school), she is not committing fraud or doing anything illegal. She is simply using borrowed money to do what she feels like doing. Meaning the only person she's hurting is herself. So let's not be dramatic and start posting the phone number to the FBI.
        This.

        Also, just to play devil's advocate, you could weigh a month's lease on an apartment and groceries vs. a month's expenses for lodging/food whilst backpacking around Europe, and it would probably be comparable as far as "living expenses" go...
        "Remain relentlessly cheerful."

        Graphite/Pastel Portraits

        Comment


        • Originally posted by Mike Matson View Post
          Is that a sentence? "your", "no's"??

          Here, let me help.

          "So you're like the COTH hallway monitor. Oh no! Better be good. Mike's watching!"

          Ahh, now that's the way you do it.
          See proof you ARE the COTH hall monitor. Mod 1 better watch out Mike's gunning for the job!
          "I would not beleive her if her tongue came notorized"

          Comment


          • Not nasty at all. I just know that the abuse of student aid funds is making it tougher for those who truly need the aid so they can get an education to receive that aid.

            http://thecollegiatelive.com/feature...financial-aid/

            http://www.richlandchronicle.com/new...2#.UHMmaJh6u5I

            If the OP got financial aid and scrimped & saved and now that she's graduated has money left over and chooses to spend it, fine. Don't know how you'd get aid if you supposedly already graduated from vet school, anyway. But I've been through the process for years with a family member in vet school. I know what the applications ask; the loans are to get you through. So if you have plenty of money to pay your bills but you want that horse trailer, that truck, and that extended European vacation so you give information that paints you as someone in financial need, you're taking money away from those who need it. Do I care what Maggie does? No. Would I ever remotely even consider hiring her as my veterinarian? Never.

            Harry S Truman said, "I don't give them Hell. I just tell the truth about them and they think it's Hell."

            Comment


            • Originally posted by Anne FS View Post
              Not nasty at all. I just know that the abuse of student aid funds is making it tougher for those who truly need the aid so they can get an education to receive that aid.

              http://thecollegiatelive.com/feature...financial-aid/

              http://www.richlandchronicle.com/new...2#.UHMmaJh6u5I

              If the OP got financial aid and scrimped & saved and now that she's graduated has money left over and chooses to spend it, fine. Don't know how you'd get aid if you supposedly already graduated from vet school, anyway. But I've been through the process for years with a family member in vet school. I know what the applications ask; the loans are to get you through. So if you have plenty of money to pay your bills but you want that horse trailer, that truck, and that extended European vacation so you give information that paints you as someone in financial need, you're taking money away from those who need it. Do I care what Maggie does? No. Would I ever remotely even consider hiring her as my veterinarian? Never.

              Harry S Truman said, "I don't give them Hell. I just tell the truth about them and they think it's Hell."
              Great post. Thank you.

              Comment


              • Originally posted by Anne FS View Post
                Not nasty at all. I just know that the abuse of student aid funds is making it tougher for those who truly need the aid so they can get an education to receive that aid.

                http://thecollegiatelive.com/feature...financial-aid/

                http://www.richlandchronicle.com/new...2#.UHMmaJh6u5I

                I know what the applications ask; the loans are to get you through. So if you have plenty of money to pay your bills but you want that horse trailer, that truck, and that extended European vacation so you give information that paints you as someone in financial need, you're taking money away from those who need it.
                Here's the difference: FP's school is a FOR-PROFIT, private institution located in the Caribbean. Please remember that FOR-PROFIT schools are VERY DIFFERENT than state schools. For profit schools in foreign countries are likely even more different that for-profit schools in the US. The application likely doesn't ask how you will pay, it asks "will you be able to pay? Prove it.". Further, because St. Kitts is a foreign country, you likely need to be able to prove you will have enough money to fund your living expenses for a period of time without working (St. Kitts requires a visa for stays beyond 90 days). Meaning you're not taking out loans just to cover tuition, but to cover rent plus living expenses, plus insurance, plus incidentals, plus an emergency fund. When I lived abroad as a student, this was required in order to get a visa. Germany required what they considered 3 months of "cost of living" in my bank account before my visa was approved.

                Read about Ross University's medical school and vet school.
                Here today, gone tomorrow...

                Comment


                • Thanks for the clarification, FrenchFry.

                  Comment


                  • Student loans vary depending who you lend from.... My SO was looking for loans and one we looked at said that he was pretty much free to use whatever money that does not cover tuition to do whatever he wanted with....including buying transportation, plane or bus tickets, gas, computers, food, and could send money home to me to spend on our son. There were pretty much no limits....just had to keep track of what you spent it on.

                    We ended up going with one that only covered tuition.... I wasn't too fond of the idea of racking up debt....that's how those companies make money..... Let you rack up debt, interest starts, then you pay back. I know how awful SO is with managing money so I'm glad he doesn't have the funds to splurge on whatever. But if he had gone with the first one he could have easily said he took a trip to Europe to see how cars were different over there....and as long as hr had a receipt for something that was related it was all fine.... Even as little as a car rental receipt would have been fine I would think. There are loopholes and some are intentional to get the company to make more money.

                    there is so much speculation in this thread its sad :/ let fp do what they want to do with her loan money.... its none of our business....
                    Clancy 17hh chestnut Dutch WB, '99. Owned and loved since '04 and still goin'!

                    Comment


                    • This thread has veered far off the path of righteousness into ridiculousness with a few sprinklings of vulgarity. Since it was questionable to begin with, it is at its end.

                      Mod 3

                      Comment

                      Working...
                      X