Financial proposal to my father for college.

1. It’s your boy.

2. “Freeing people from drudgery and repetitive
jobs which make them ignorant, you rob
them.”
-Jacque Fresco

3. A baccalaurean degree plan consists of 120 hours. Those 120 hours are sorted out as follows.
42 of those 120 are the Core Curriculum. These make up what is known as an Associates Degree.
06 of those 120 are the Bachelor of Arts Requirement. These are the Foreign Language.
09 of those 120 are the College Requirement. These are 3 different CLASS department courses.
27 of those 120 are the Major Requirement. These hours are from the Philosophy department.
36 of those 120 are the Other Hours. These hours make up the Minor and Electives categories.
Additionally 36 hours of all hours must be advanced (3000-4000 level).
My Degree Plan
Hours Required
Hours Taken
Hours Remaining
Core Curriculum
42
42
00
Bachelor of Arts
Requirement
06
00
06
College Requirement
09
06
03
Major Requirement
27
06
21
Other Hours
36
12
21
120
66
54
Totals

4. Credits Remaining
CC
42
BAR
06
CR
09
MR
27
OH
36
Totals
Credit
Grade
SUMR 09
3
D
ENGL 1302
SPR 13
3
A
MATH 1314
FALL 13
3
C
Math Reasoning (PHIL 1321)
KINE 1122
SPR 09
1
C
HIST 1377
HIST 1301
SUMR 13
3
A
HIST 1378
HIST 1302
SUMR 13
3
B
POLS 1336
GOVT 2301
FALL 10
3
C
POLS 1337
GOVT 2305
SPR 13
3
B
Humanities
PHIL 1301
SPR 09
3
A
Visual and Performing Arts
ARTS 1316
SPR 09
3
B
Natural Sciences I
BIOL 1408
FALL 13
4
B
Natural Sciences II
PHYS 1404
FALL 13
4
B
Social and Behavioral Sciences
SOCI 1301
SPR 10
3
C
Writing in the Disciplines
SPCH 1315
SPR 13
3
A
42
2.67 GPA
UH Core Curriculum
LSCC Core Equivalent
Date Taken
ENGL 1303
ENGL 1301
ENGL 1304
MATH 1310 or 1311
Totals
120

5. Hours Remaining
CC
BAR
06
CR
09
MR
27
OH
36
Totals
Bachelor of Arts
Requirement
00
78
Hours Required
Hours Taken
Hours Remaining
Foreign Language I (2000
level or higher)
03
00
03
Foreign Language II
(2000 level or higher)
03
00
03
Totals
06
00
06
In order to take a 2000 level Foreign Language course a
prerequisite of both 1000 level courses must have
been taken within the last year OR a placement exam
may be taken.

6. Hours Remaining
CC
00
BAR
06
CR
09
MR
27
OH
36
Totals
78
Nine hours of courses must be taken from at least three
different CLASS departments (College of Liberal Arts
and Social Sciences). Courses used to fill core, major,
or foreign language are UNUSABLE in this area.
College Requirement
Hours Required
Hours Taken
Hours Remaining
ART 1397
03
03
03
ENGL ELEC
03
03
03
???? ????
03
00
03
Totals
09
06
03

7. Hours Remaining
CC
BAR
06
CR
03
MR
27
OH
36
Totals
Major Requirement
00
75
Hours Required
Hours Taken
Hours Remaining
1000 Level PHIL
PHIL 1301
03
03
00
1000 Level PHIL
(Ethics) PHIL 1305
03
03
00
03
00
03
PHIL 2321 (Logic II)
3000 Level PHIL
Philosophy History
03
00
03
3000 Level PHIL
Ancient/Early Modern History
03
00
03
3000 Level PHIL
03
00
03
3000 Level PHIL
03
00
03
3000 Level PHIL
03
00
03
3000 Level PHIL
03
00
03
Totals
27
06
21

8. Hours Remaining
CC
BAR
06
CR
03
MR
21
OH
36
Totals
Other Hours
00
69
Hours Required
Hours Taken
Hours Remaining
SOC 1300
03
03
00
Any Level SOC (3000)
03
00
03
3000 Level SOC
03
00
03
3000 Level SOC
03
00
03
3000 Level SOC
03
00
03
3000 Level SOC
03
00
03
Totals
18
03
15
Electives
18
09
09
Cumulative Totals
36
12
24
Minor Hours

9. Hours Remaining
CC
00
BAR
06
CR
03
MR
21
OH
24
Totals
54
This is my SPR 14 schedule and the updated degree plan.
Course Title
Number
Subject
Logic II
2321
PHIL
Introduction to Sociological Thought
3300
SOC
Elementary Spanish II
1502
SPAN
Feminist Philosophy
3356
PHIL
Metaphysics
3333
PHIL
My Degree Plan
Hours Required
Hours Taken
Hours Remaining
Core Curriculum
42
42
00
Bachelor of Arts Requirement
06
00
06
College Requirement
03
03
00
Major Requirement
21
09
12
Other Hours
24
03
21
Totals
54
15
39

10. Cougar Village 1 – Available for students
who are freshmen or under the age of
21.
Cougar Village 2 – Available for students
who are freshmen or under the age of
21.
Moody Towers – All classifications of
students may elect to live in Moody
Towers.
The Quadrangle – All classifications of
students may elect to live in the
Quadrangle.
Cougar Place – Available for students who
have sophomore standing or higher or
age 20 or any returning resident who
participates in Priority Room Selection.
Bayou Oaks – Available for students who
have sophomore standing or higher or
age 20 or any returning resident who
participates in Priority Room Selection.
Calhoun Lofts – Available for students who
have junior standing or higher or age
21.
Affiliated Properties:
Cambridge Oaks* - Available for transfer
students and students who have a
sophomore standing or higher.
Cullen Oaks*- Available for transfer
students and students who have a
sophomore standing or higher.
* Call for details.

11. Residential Housing
Rooms
Sq Ft
Per Semester
Rooms
Sq Ft
Per Semester
Efficiency
Unfurnished
1
341
$4510
Efficiency Furnished
1
341
$4625
1 Bed 1 Bath
Unfurnished
Moody Towers*
Apartment Housing
1
492
$5545
Calhoun Lofts
Double
2
190
$2252
Single
1
172
$2810
Super Single
1
190
$3081
Quadrangle*
Double
2
258
$2494
Super Single
1
258
$3302
1 Bed 1 Bath
Furnished
1
492
$5710
Rooms
Sq Ft
Per Semester
2 Bed 1 Bath
Unfurnished
2
668
$4025
2 Bed 1 Bath
2
568
$3414
2 Bed 1 Bath
Furnished
2
668
$4135
2 Bed 1 Bath Sh. TH
2
360
$2781
Cougar Place*
3 Bed 2 Bath Sh.
3
830
$3337
4 Bed 1 Bath
4
844
$3285
4 Bed 2 Bath
4
952
$3245
2 Bed 1 Bath
2
447
$3585
1 Bed 1 Bath
1
367
$3685
Apartment Housing
Bayou Oaks
Apartment means bathroom included. Maybe kitchen.
* Requires meal plan.

12. Apartment
Housing
Persons/Rooms
Sq Ft
Per Month
Apartment
Housing
Sq Ft
Per Month
1 Bed 1 Bath
1
528
$850
1 Bed 1 Bath
Phase 1
2
684
$710
2 Bed 2 Bath
Phase 1
2
771
$735
2 Bed 2 Bath
Deluxe
2
798
$745
4 Bed 2 Bath
4
1035
$650
Efficiency
1
317
$810
2 Bed 1 Bath
Phase 2
2
502
$705
2 Bed 2 Bath
Phase 2
Cambridge
Oaks*
Persons/Rooms
2
732
$730
Cullen Oaks
Efficiency
2
484
$990
1 Bed 1 Bath
2
643
$1060
2 Bed 2 Bath
2
893
$876
2 Bed 2 Bath
4
893
$450
*Does not include furniture or electricity.

13. Meal Plans are required for the following domiciles:
•
•
•
•
Moody Towers
Quadrangle
Cougar Village
Cougar Place
We live in Moody Towers so we get a meal plan.
Room and board all in one package? What!? They
thought of everything!

14. All-Access 7
• Continuous access to the dining hall Monday – Sunday (swipes may only be used
by plan holder once every 30 minutes)
• 15 guest passes for friends or family
• $100 in Cougar Cash
• $1,800/semester plus tax
Lifestyle 160
• 160 All-You-Care-To-Eat Meals/Semester
• $400 in Cougar Cash
• $1,700/semester plus tax
Lifestyle 15
• 15 All-You-Care-To-Eat Meals/Week
• $200 Cougar Cash
• $1,700/semester plus tax
All Cougar Cash
• $1,350 Cougar Cash

15. Cougar Cash
• Cougar Cash is not a loan.
• Cougar Cash can be used at eating establishments across campus.
• Cougar Cash discount of 10% when used in the residential dining halls.
• Cougar Cash balance rolls forward from semester to semester as long as it
is being actively used.
• Cougar Cash can be replenished online.
– There are now two options on how to purchase Cougar Cash. You can
pay with a debit/credit card if you purchase in increments of $50, or
you can add it to your tuition bill by buying a Cougar Cash Meal plan
for $300, $500, $800, or $1000.
Information courtesy of http://www.campusdish.com

16. It’s important to note that for all meal plan housing the lowest price option and most
beneficial is the Cougar Cash option at $1350.
Based on my own calculations the cost per month for food expenditure for a single
person household is $300-$400. This gives a little extra room in the budget for
unexpected expenditures.
Taking this data into account we can estimate food expenses at 4 months (JanuaryApril, September-December) coming out to an estimated $1200-$1600.
This data might be higher than expected however. What I am taking into account is
based on the current weekly expenditure on grocery bills for me and my mother.
We eat a high protein diet based on scientific data that indicates a healthy diet is
to focus on protein and fat rather than a carbohydrate based diet as the USDA
current indicates as the national standard.
This data also indicates that the body tends to struggle with processed foods and
foods rich in grains (i.e. high fructose corn syrup, sugars, and oatmeal).
For more information on why grains are unhealthy please visit:
Mark's Daily Apple

17. Official USDA Food Plans: Cost of Food at Home at Four Levels,
U.S. Average, October 2013
Age
Weekly
Male
Thrifty
19-50
50.16
Monthly
Low
Med
Liberal
Thrifty
Low
Med
Liberal
64.80
81.00
135.86
217.56
281.04
350.76
431.64
Data courtesy of www.cnpp.usda.gov
*This data has been modified to account for a person living in a single family unit according to the suggested USDA standards.
As one could see this rate could easily explain a difference in cost for living expenditures at a
glance.
The USDA standards indicate that a primary source of food intake is carbohydrates.
Carbohydrate rich products tend to be typically much cheaper than all others (i.e. rice, bread,
pasta).

18. Productive
Contrary
• The $1350 Cougar Cash is a much • Limited amount of venues to
cheaper alternative to any other
choose from.
meal plan.
• Cougar Cash cannot be used in the
• All food is prepared, no time
real world.
wasted in making my own meals or • Diet might become hard to stick
finding the ingredients.
with.
• Cougar Cash can be used a various • Hours of operation must coincide
retail locations at UH for not only
with hunger.
food but other supplies.
• I have no idea what is in my food.
• You also get a 10% discount when • I might get fat.
you use your Cougar Cash at either
one of the dining halls: Fresh Food
Company at Moody Towers or the
RFoC at Cougar Woods.

19. Financial Assessment For SPRING 2014
Charge
Due Date
Term
Foreign Lang Lab-Lab Fee-Elementary Spanish II
01/07/2014
Spring 2014
$2.00
Cougar Cash-All Cash Charge
01/07/2014
Spring 2014
$1,350.00
Housing- Towers Double
01/07/2014
Spring 2014
$2,271.00
Tuit-UGRD-RES-CLASS1
01/07/2014
Spring 2014
$3,964.57
FEE-UGRD-CLASS1
01/07/2014
Spring 2014
$999.43
Fee - Student Services
01/07/2014
Spring 2014
$240.00
Fee - University Center
01/07/2014
Spring 2014
$135.00
Fee - Rec & Well Ct
01/07/2014
Spring 2014
$84.00
Books*
Total due
*Steve’s educated guess.
Amount
$600.00
$9,646.00

20. Total due this semester
Estimated total due for a B. A. (5 semseters)
$9,646.00
$48,230.00
Coming fresh out of college with no job owing someone I don’t know $48,230 is a
bit mind shattering.
Not to mention the interest.
It’s an interesting perspective for anyone considering this option.
You buy freedom here. Hopefully you’ve accrued enough in your lifetime to earn
some time for yourself. Or maybe you were fortunate enough to start at the top
and begin on your path to self-discovery much earlier.
That’s life though. Right?
Should it be?

21. “March on. Do not tarry. To go
forward is to move toward
perfection. March on, and fear
not the thorns, or the sharp
stones on life's path.”
-Khalil Gibran

22. Moody Towers
Amenities:
• Utilities
• Free Laundry Machines
• Wireless Internet
• Cable
• Dining Facility
• Exercise Room
• Lounge Areas on every floor
• Nearby ATM
• Vending Machines
• Computer Lab
• Microwave and a Mini Fridge
in every room!

23. But wait…there’s more! The
joys of living on campus…
• Fitness
• Social Life
• Food
• My Brother
• Education
• Tranquility
• Downtown
• Bronze Cats

24. The recreation center will be used. Often.

25. Studying is a breeze living by the M.D. Anderson Library.

26. Campus organizations are more
than plentiful.
• Student Government
Association
• Volunteering
• Leadership
• Civic Engagements
• Activities Funding Board
And much more…

27. Opportunities are plentiful.
“The world is a book and those who
do not travel read only one page.”
- Augustine of Hippo

28. •
•
•
•
•
•
•
Social Skills
Diversify Studies
“A” Average
Graduate
Internships
M. A.
Master Philosophic Principles

29. • Financial Aid
• Scholarships
• Loans
Nearly 20 million Americans attend
college each year.
(Source: Chronicle of Higher Education)

30. • Types of financing:
– Equity
• Involves giving up a portion of the ownership of your
business in exchange for money received from equity
investors.
– Debt
• This is money that you will pay back, usually with interest,
over a set time period and in accordance with specific terms.
Some traditional sources for debt financing are banks and
credit cards.
Of that 20 million, close to 12 million – or 60%
- borrow annually to help cover costs.
(Source: Chronicle of Higher Education)

31. Equity Financing
• Productive
– Investor Knowledge
– Larger Amounts
• Contrary
– Investor Expectations
– Forfeit Sole Interest
Debt Financing
• Productive
– Independence
– Options
• Contrary
– Collateral
– Borrowing Limits
– INTEREST
There is roughly somewhere between $902 billion and $1 trillion in total
outstanding student loan debt in the United States today.
The Federal Reserve Bank of New York reports $902B while the Consumer Finance
Protection Bureau reports $1T.

32. Combining the best of both worlds, for both of
our worlds.
A Shared Investment
•Debt
•No Interest
•Independence
•Shared Finances
•Investor Knowledge
•Collateral

33. • Debt
– As of this draft on 12/28/2013 ALL monies
borrowed from loaner until completion of
baccalaureate degree will be returned in full.
– Financial situation will be kept track of by both
parties and assessed after every semester.
If needed a contract can be drafted up at any time if
any party feels it to be necessary.

34. • No Interest
– No interest will be added to any borrowed
monies.
• Independence
– Borrower retains ultimate control of his classes
and future, discussion is encouraged however.

35. • Shared Finances
– Borrower is obligated to do his best to obtain
monies from all other means including financial
aid, scholarships and employment opportunities.
• Investor Knowledge
– After every semester both borrower and loaner
will reconvene to assess the situation and
honestly discuss all concerns and possible
changes. Investor is obligated to assess borrower’s
grades.

36. • Collateral

37. Potential Problem:
Will this jeopardize our relationship?
Potentially, yes. Realistically, no.
I don’t have that kind of money.
I’m welcome to renegotiating a smaller deal.
My funds are tied up in other investments.
I encourage you to see if you can move things around without being penalized.
Are you sure you’re going to commit?
I’ve laid out a plan and I’m known for my reliability.

38. Potential Problem:
Are you sure this is the major you want?
It’s been ten years in the working and I’m ready.
I still feel this might jeopardize our relationship.
I understand there are loan administration companies.
What if we disagree after the fact?
After each semester there are renegotiation talks.
I have friends who never got a penny back.
I’ve laid out a plan that is easily understood and managed by both parties.

39. • Experience and Expertise
– College, Life, and Love
• Business Plan
– You’re looking at it.
• Collateral
– Nothing
• Cash Injection
– $1000 in the bank

40. • Credit History
– Aside from over drafting, no issues.
• Personal Character

42. Ideas:
• School of Emotion
• Experience Flowcharts
Career Paths
• Possible Political Movement
• Teaching

43. Its About Everyone
• It’s About Family
• It’s About Friends
• It’s About Love
• It’s About You
• It’s About Me
• It’s About Everyone

44. “My country is the
world…and my
religion is to do
good.”
-Thomas Paine