►
From YouTube: Oplerno ◐ Team Meeting 99
Description
We're discussing:
* Show the work on the Student Guide.
* Update on Jesse Bania
* Meeting with John Montagna
* In Two Weeks Team Meeting 100
* It Begins: Obama Forgives Student Debt Of 400,000 Americans
https://www.zerohedge.com/news/2016-04-12/it-begins-obama-forgives-student-debt-400000-americans
* Graduates earning less than those who did not go to university, research reveals
http://www.independent.co.uk/student/news/graduates-earning-less-than-those-who-did-not-go-to-university-research-reveals-a6981811.html
Previous Team Meeting: https://youtu.be/Z_Dd8W7o7c0
--
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Or mail us at: questions@oplerno.com
A
Good
morning,
good
afternoon,
good
evening,
wherever
you
are,
this
is
demanding
number
99
and
it
tasted.
A
team
meeting
were
talking
discussing
Zero
Hedge
article
on
giving
Cyril
and
student
debts
an
independent
article
on
graduates
earning
less
than
those
who
did
not
go
to
university.
We're
going
to
show
you,
the
student
guide,
we're
going
to
tell
you
about
a
lot
more
and.
B
A
B
B
Grimlock,
yes,
he
is
an
awesome
dude
on
Twitter.
Chats
look
so
today.
What
I
want
to
do
is.
Let
me
pull
up
the
share.
The
screen.
This
is
Timmy
tee
99
by
the
way
next
week
is
actually
in
two
weeks,
is
team
meeting
100
we're
going
to
set
aside
next
week
to
do
some
other
kinds
of
work
and
then
a
team
meeting,
one
hundreds
will
have
a
little
lump
extravaganza.
So
let's
go
with
the
entire
screen:
nope.
Yes,
entire
screen.
B
Okay,
so
from
zero
hedge,
an
article
that
appeared
last
week,
which
is
pretty
important,
I
think,
is
obama
forgives
student
loan,
debt
of
400,000
Americans.
The
reason
why
I'm
pulling
this
article
up
is
that
what
you're,
what
we're
finding
out
is
that
many
of
the
people
who
have
student
loan
debt
are
paying
it
off
and
what's
happening.
Is
that
with
student
loan
debt?
You
cannot
discharge
it
in
bankruptcy.
B
Go
after
people's
social
security
checks
or
any
other
assets,
they
have
to
pay
off
that
student
loan
on
the
student
loan,
debt
and
so
President
Obama
is
deciding
that.
What
he
wants
to
do
is
just
write
it
off.
Basically
saying
hey,
you
know:
we've
identified
a
three
hundred
and
eighty
seven
thousand
people
as
being
eligible
for
total,
a
permanent
disability
discharge
arm,
and
so
what
it
allows.
Federal
student
loan
borrowers
who
can't
work
because
they
have
a
disability,
have
their
student
loans
forgiven
now.
B
This
seems
like
a
really
great
idea
and
it
is
in
some
ways,
but
we
have
to
look
at
the
cost
of
discharging
that
debt,
which
amounts
into
the
billions,
and
what
it
also
means
is
that
the
different
institutions
and
different
individuals
who
have
attempted
to
you
know
well,
who
have
invested
in
student
loan
bonds,
etc,
aren't
going
to
get
paid
back,
but,
most
importantly,
what
it
does
is.
It
puts
the
government
on
the
hook
for
even
more
debt
and
opens
the
door
for
sort
of
what
I
would
call
debt
relief.
B
But
it's
always
debt
relief
with
a
caveat,
and
that
caveat
is
that
II
that
you
may
have
to
pay
it
back
if
you're,
if
you
go
off
of
disability
and
also
because
of
you
know
certain
other
political
changes
that
might
be
happening
in
the
country
so
well
at
first
glance,
it
seems
like
a
really
great
thing.
It
really
represents
for
me
yet
another
indicator
that
the
higher
education
bubble
is
here
upon
us
and
that
the
student
debt
on
that
we've
accumulated,
isn't
going
to
get
paid
back
and
so
going
forward.
B
A
A
great
article
yeah
I
hadn't
had
a
chance
to
reading
it,
but
it
what's
that
skimmed
is
Kim
did
a
little
bit
you
have
and
I
it
really
may
will
really
make
a
difference.
I
mean
here
in
europe,
you
have.
You
can
be
forgiven
your
deaths
in
some
cases,
if
for
the
most
part,
but
you
can,
they
can
only
go
into
debt
forgiveness
if
you
complete
your
as
if
you
complete
your
schooling.
A
So
if
you
you
stop
at
the
third
year
and
fourth
year
of
your
bachelor's,
then
there's
no
way
you
have
to
pay
the
full
amount
with
interest.
But
if
you've
completed
you
don't
have
to
don't
have
to
make
interest
payments
that
you
only
have
to
make
her
what
set
them
a
certain
amount
of
payments
for
20
years
and
then
so
there's
so
they
have
a
very
good
if
they
have
a
later
layered
system
based
on
people
who
are
actually
putting
in
the
effort.
A
They're
people
who
are
not
not
trying
to
live
beyond
their
means,
taking
ridiculous
extra
loads
to
absolutely
massive
amounts
of
debt
and
debt.
Here,
even
from
the
government
as
well
so
number
sense.
It
sounds
like
a
good
like
a
good
option.
I'm
not.
The
only
thing
that
worries
me
is
the
is
for
people
who
are
going
to
be
coming
off.
Disability
I
mean
disability.
She
rolls,
depending
on
which
way
the
wind
is
blowing
and
which
government
is
in
office
and
who
is
it
fo?
Which
party
is
in
office?
A
A
To
be
able
to
do
this,
it's
like
schizophrenic
people
suddenly
being
allowed
to
digital
full-time
work
when
I'm
not
getting
a,
not
getting
a
and
say
disappeared,
a
disability,
but
for
12
I
mean
if
these
are
some
of
these
as
serious
diseases
which
you
might
not
see
on
the
outside,
but
I
see
of
serious
diseases.
It
yeah.
B
The
you
know,
obviously
one
MA
I
opinion
addition
with.
You
know
people
dealing
with
mental
health
issues,
and
you
know
making
sure
that
people
get.
You
know,
there's
the
proper
medical
care
and
support
services
for
people
who
are
in
need
for
any
kind
of
health
care,
mental
and
physical.
That's
really
really
important.
That
I
think
the
issue
and
you
hit
it
up.
You
hit
upon
this
point-
is
that
welfare
fun
really
is
you
know
highly
driven
by
political
processes
in
terms
of
like
who
gets
paid
and
in
different
regimes
the
payments
increase
in
other
genes.
B
They
go
what
they
cut.
I
think
the
the
thing
that
makes
me
the
thing
where
I
thought
the
article
was.
You
know
another
sign
that
the
higher
ed
system
of
finances
collapsing
is
that
you
know
you
can't
afford
to
society
can't
afford
at
least
the
US
since
we're
broke,
can't
afford
to
be
spending
on
writing
off
over
a
trillion
dollars
of
student
loan
debt
on
to
students
that
are
not
going
to
do
it
too.
B
Many
people
are
making
too
much
money
off
of
it,
and
but
it
does
mean
that
that,
when
they're
thinking
of
writing
all
of
this
stuff
off
is
that
that
we're
getting
closer
to
the
point
where
on
these
federal
stafford
loans,
unsubsidized,
stafford
and
Pell
grants,
and
then
all
the
private
loans
that
are
coming
up,
they're,
just
not
going
to
be
able
to
be
serviced
or
a
way
for
higher-end
institutions
to
operate.
And
so
you
know
and
who,
usually,
unfortunately,
when
society
starts
to,
you
know,
suffer
an
economic
collapse.
B
You
know
social
security
and
those
are
intended
to
give
people,
food,
clothing
and
shelter
I'm
a
basic
basic
payment
so
that
they
can
meet
some
of
their
needs,
and-
and
this
is
just
a
another
indication
that
you
know
we're
getting
close
to
a
change
in
a
collapse
which
is
not
good.
Indeed,
in
its
the
other
article
now,
did
you
put
this
down
or
did
I
the
graduates
earning
less
than
those?
Let
me
go
to
the
screensaver
me.
A
A
Yeah,
I
think
this.
I
think
that
an
article
that
we
shall
share
shared
last
week
or
a
couple
of
weeks
ago,
we've
said
very
much.
That
is
something
similar
where,
by
whereby
people
who
are
who
are
studying
startin
in
some
fields,
whether
said
technology
fields
say
the
STEM
fields,
there
any
far
much
money
in
comparison
to
the
people
who
are
doing
liberal
arts,
our
classes
or
following
following
liberal
arts.
A
B
A
B
B
Let's
see
next
thing:
okay,
yeah!
Let
me
talk
with
you
a
little
bit
about
a
student
guide.
So,
as
many
of
you
know,
my
dissertation
was
completed
and
we've
now
published
it
online
and
you
can
get
a
copy
at
on
kindle
on
amazon
under
the
title
of
the
new
university
and
look
up
Roberts
gift
as
an
author,
and
you
can
pull
that
up
and
get
it.
B
A
B
And
it
is
pretty
radical
because
we're
we're
doing
some
real
historical
comparisons
between
the
systems
that
were
used
to
create
the
economic
climate
to
make
people
indentured
servants
on
and
the
climate
that
is
being
used
now
and
the
tricks
that
are
being
used
now
to
get
people
to
sign
on
to
massive
amounts
of
student
loan
debt
so
that
they
can
really
never
form
their
own
businesses
they're
not
going
to
have
family.
You
know
it's
really
difficult
to
have
families,
if
not
impossible
in
your
life,
is
really
kind
of
like
a
cut
short.
B
A
Janna
I
Red
River
revolution
is
good,
I,
don't
have
any
nye,
don't
have
any
neum
as
I
didn't
look
it
up,
so
I
can
imagine
sitting
and
for
everybody
by
waiting
making.
It
might
abso
buddies,
fantastic
and
I'm
doing
very
well.
Of
course
we
take
care
articles
about
education
from
people
and
we're
as
part
of
a
high-rent
revolution
and
as
part
of
our
team
meeting
100
and
going
forth
on
to
meeting
100
were
not
just
going
to
be
doing
recent
articles.
A
So
if
you,
if
you
have
a
good
idea,
if
you
have
an
idea
you
want
to
where
you
want
to
join
us
on
the
height
on
that
high
red,
rev
podcast
or
a
red
Rev
interview,
we've
done
some
experiments
in
the
past
hugely
successful.
We're
going
to
be
continuing
us
in
the
future
as
well.
Who
would
like
you
to
come
to
this
and,
of
course,
as
always,
you
can
email
us
or
tweet
a
test
only
if
you
want
to
join
us,
sir,
and
we'll
also
have
so
the
information
indeed
notes
below
where,
as
this.
B
So
we'll
get
giving
you
guys
right
now,
a
little
update
on
things
happening
with
the
plateau
update
on
Jesse
Vania.
He
is
working
now
on
website
on
our
website.
He's
also
learning
more
about
Squarespace
we
use
Squarespace
is
our
platform
and
the
redesign
of
a
bunch
of
the
student
onboarding
features
which
is
and
institutional
onboarding
features
which
were
going
to
be
concentrating
on
over
the
next
couple
months.
Jesse
lives
in
Portland,
Maine
and
he'll
be
joining
us
for
probably
team
meeting.
100
and
I
will
talk
with
him.
B
B
But
what
we're
trying
to
do
is
incredibly
complex
and
we
also
were
trying
to
balance
forming
this
new
business
with
also
law
of
making
sure
our
lives
are
balanced,
and
you
know
you
know,
our
personal
lives
are
in
good
order
and
we're
taking
care
of
ourselves
because
a
player
no
is
self-funded.
We
funded
our
ourselves
through
our
sweat
equity
and
through
some
friends
and
family,
and
because
of
that,
we're
taking
it
really
slow
and
were
our
traction,
we're
moving
along
at
a
slow
pace
but
a
steady
pace.
B
So
we
can
keep
this
going
until
you
know
the
time
is
right.
We
get
a
real
burst
of
attraction
and
you
know
I'm
really
confident.
We've
got
the
right
business
model.
We
just
have
to
get
more
classes,
sell
more
students
and
sorry,
sell
more
classes
to
institutions,
get
more
students
and
really
build
this
isn't
as
a
mission.
So
it
was
great
to
talk
with
John
arm,
and
you
know
we
talked
about
stuff
with
the
plan
on.
B
We
also
talked
about
in
Vermont
the
college
advising
process
and
how
more
and
more
parents
are
want,
a
much
more
professional
advising
in
terms
of
college
or
colleges
to
go
to,
but
also
experiences
that
the
students
should
have
between
on
their
sophomore
year,
which
is
you
know,
15
years
old
and
18
years
old.
So
they
develop
some
really
good
business
skills
and
and
also
met
with
on
Julie
Hollenbeck
on
net,
which
is
it's
been
pretty
interesting.
To
get
their
take
on
what
college
advising
is
about.
B
Yeah
well
Inc
in
in
the
u.s.
you've
got
the
system
works
where
you
take.
The
traditional
system
is
junior.
You,
you
take
a
bunch
of
standardized
exams
on
you
also
meet
with
your
college
counselor,
and
you
receive
a
list
of
between
four
and
five
colleges
and
you
apply
to
those
and
then
people
choose
sort
of
their
top
school
to
get
in.
Then
they
look
to
see
whether
they
receive
a
financial
aid
package
that
can
allow
them
to
go
to
their
top
school.
If
they
can't,
then
they
pick
one
over
there
so
called
back
up
schools.
B
So
not
that
you
have
to
decide
as
a
sophomore
what
you're
going
to
do
in
life.
But
you
have
to
start
assembling
that
the
tool
kit
that
allows
you
to
earn
a
living,
whether
you
go
to
college
or
not,
and
that's
really
important,
because
the
degrees
that
you
have
today
it
doesn't
matter
as
much
as
what
you
can
actually
do
and
we're
seeing
that
I
think
in
the
economy
and
in
large
numbers
of
people
who
are
being
left
behind
as
things
change
and
become
much
more.
You
know
disintermediated
much
more.
B
A
A
But
my
back
by
my
very
young
and
beautiful
aunt
used
to
say
it
tell
me
to
go
and
get
your
driving
license.
Cuz.
You
then
you'll
have
a
job
for
life.
If
you
have
a
drive
it,
if
you
have,
there
are
certain
things
that
you
should
have.
If
you
have
them,
then
you're
then
basically
there's
no
way
that
you
don't
have
to
go
hungry
in
these
two
and
they're.
Also
now.
So
us,
though,
so
that's
didn't,
get
much
I
didn't
get.
My
driver
license
until
I
was
40,
but
still
there's
very
good
to
remember.
B
Yeah,
it's
really
really
important.
I
wish
that
I
had
you
know
when
I
was
younger
gotten
my
you
know,
masters
electrician
or
master
plumbers
license.
That
would
have
been
more
valuable
for
me
in
terms
of
learning
how
to
fix
things
rather
than
having
a
sort
of
a
will.
Think
for
food
attitude
in
terms
of
you
know,
trying
to
just
go
with
the
traditional
way
of
attach
yourself
to
a
company
and
and
get
a
job
and
then
go
through
it
until
you
retire.
That's
just
not
going
to
happen
in
the
future.
A
I
means
I
mean
if
I
remember
an
anecdote
from
you
from
when
you
were
young
working
at
did
roofing
or
something
of
new
contracting
of
the
Utah.
You
told
me,
you
worked
with
his
absolutely
fantastic
guy
who
were,
he
was,
could
quote
Plato
you
mean
ever
built
a
builder
who
quits
Plato
grows
short
kind
of
philosophers
who
question
that
you
were
and
who
actually
got.
You
gave
you
the
philosophy,
bug
yeah.
B
But
what
they
don't
understand
is
how
smart,
how
natively
smart
a
lot
of
those
people
are
and
if
they
had
had
a
chance
to
go
to
college
I
would
have
been
great.
But
you
know
many
of
them
are
living
much
more
successful
lives
from
a
financial
perspective
than
adjunct
faculty
members
with
PhDs,
and
what
we've
got
to
do
is
rebalance
the
rebalance
things
and
recognize
that
that
both
are
important.
So
it's
been
fun
to
kind
of
like
talk
with
a
few
people
about
that,
and
then
you
know,
I've
got
a
10
in
the
12
year.
B
Old
Austin
is
12
on
Jays,
10
and
really
starting
to
with
them
and
sort
of
getting
the
ground
ready
to
say
when
they're,
14
and
15
okay,
you
know
summer
goofing
around
that's
not
going
to
happen.
You're
going
to
start
taking
classes
at
the
you
know
to
get
your
welding
license
or
whatever
kind
of
you
know,
I
trade.
You
want
to
get
your
license
and
will
sign
you
up
for
it
our
computer
programming,
but
you
know
you're,
not
you.
B
A
Know
when
I
was
young,
we
usually
with
you-
were
lots
of
kind
of
apprentice
programs
as
well.
You
could
go
you'd,
basically
it
rather
than
going
and
sitting
in
class
or
sitting
or
whatever
you're
going
to
apprentice
yourself
too,
or
to
a
as
a
summer
job
you're
going
to
help
somebody
else,
and
basically
you
don't
do
anything.
A
You
hardly
do
and
do
any
work
just
hauling
around
craft
all
day
long
yep
at
the
at
the
air
at
the
then,
if
you
were
very
lucky
that
they
would
actually
show
you
how
to
weld
how
to
make
a
three-point,
wealthy.
Some
things
of
look
like
really
really
stuff
that
you
really
really
really
can
use
the
rest
of
your
life
even
wouldn't
mean.
If
you
you
know
what
you
need
is
I
mean
it's
just
really
really
suffered.
A
B
And
the
other,
you
know
the
the
Europeans
have
a
bit
of
a
better
program
than
we
do
in
the
States,
so
yeah.
But
it's
interesting
to
change
that.
You
know
you
can
kind
of
feel
is
at
least
going
on
as
the
economy
over
here
in
the
States
gets
worse,
and
you
know
people
are
looking
for
other
alternatives
and
that's
a
good
thing.
A
I
am
my
mother's
car.
If
she
has
a
limit
to
my
name,
is
it's
a
very
small
car
and
he
keeps
coming
out
every
single
to
every
time
you
started,
tries
to
etch
driveway.
We
I
dredge.
We
all
drive
shift
here
as
our
stick,
so
was
it
so,
but
I
said
which
I
might
drive
away
into
the
in
first
gear.
It
manages
to
shut
itself
off
every
single
Simon,
completely
nuts,
so
I,
but
temperatures.
B
A
I,
just
absolutely
make
no,
no
it's
my
basement
and
my
mother
said
it
took
her
if
she'd
been
driving
for
an
hour
30
years
and
I
30
years,
and
when
she
got
this
car
the
first
two
weeks
it
was
coming
out
on
her
as
well.
It's
just
it's
just
as
it
was
explained
to
me.
That's
smaller
cars
have
a
weaker
engines
and
because
they're
weaker
engines,
they're
more
sensitive
to
a
clutch.
A
B
A
A
B
I
love,
Dom,
I,
love
standard.
It
was
a
lot
of
fun
to
drive
standard,
but
then
the
computers
with
the
automatics
and
the
difference
in
gas
mileage
arm
is
pretty
amazing.
Although
the
cars
here
in
the
states
are
big
you'd,
big
in
huge
compared
to
what
they
are
in
Europe
yep
gas,
guzzlers
yeah,
but
good
now,
everybody
is
just
driving
around
in
a
lot
of
people
in
automatics
all
right.
Well,
that's
it!