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Student Debt: The Death of The American Dream
When you wake up with a college degree and no savings, people might say you're on your way to a future or that you don't have one. I am a proud graduate of Ohio University, conferred this Spring. BFA in Theater Performance, Minor in Journalism. I loved my college, my friends and the teachers who guided me through. What I did not love, what I in fact loathed was the bureaucracy. In today's America twenty-somethings fresh out of college are offered two things: 1. Crippling debt and 2. The existential woe of not knowing if their degree was worth that debt. Thoughts like this tow the line of the young adults today. Instead of having the positive effect of feeling like the world is in your hands, we get calls from our Universities asking for donations not even a month after we finish our degrees. Seriously, you're asking me for money now? It just seems like poor taste to ask someone who graduated not even two months ago for a donation. We all want to wake up with a degree in our hand, a future and the notion that all the hard work we put in, will pay off. College is a fundamental part of the American Dream, and that dream is being killed by student debt and rising tuition costs. People whine about this all the time, but to really understand what it's like, take it from a 22 year old buried under more than 50, 000 dollars of it. We must put a face to our debt. We're not just numbers on a screen. We're people, and we're dragging our loans behind us. They're getting heavier and heavier every day. At this time, in this country, few things are more horrifying than student debt. The government made over 50 Billion dollars off of student debt in 2013. Yet... College is necessary. But is it necessary to enter into indentured servitude to pay for it? College is an amazing time filled with necessary experiences and learning opportunities. It's an enriching experience that everyone should get to have. Money should not dictate who gets a "future" and who is left behind. Employers across the country will require a college degree, so why is it so hard to pay for one? Student debt turns scholars into victims, doomed to spend the best days of their lives paying back the institutions and the country that "wanted to give them an education". People will argue that we knew what we were in for. When we got our acceptance letters, we accepted the debt and all that goes with it. When we filled out our FAFSA forms and decided to go to college, we sold our souls: to the government, to the school itself, and to the people who make decisions for us, that don't know us or care about what we had to do to get to college. Over 40 Million Americans currently hold student debt. And this isn't just 20 somethings, it's 30 somethings, 40 somethings, 50 somethings. Everyone. Seven million of those 40 have defaulted on their loans, leaving them with trashed credit and no hope of getting housing or car loans for their future, or their families. Corporations can file for bankruptcy after failure to pay back their debts...student borrowers can't. The moral question is: is that fair? Just because we know the terms and conditions of our fate does not mean our fate is right or just. In today's America morality and righteousness, what's fair and good, bows down to money and profit. College isn't a public service anymore, it's a God damn business. And just like those sleazy car salesmen people make fun of on TV, your loan officer or FAFSA representative will look you in the eye and say, "You need college, you need these loans. There's no other way! Drive your future off the lot today." Some say that college is priceless, the best years of your life. Now I know that people put a price on everything. Your books, your dorm, your food, your classes, they all cost something. And when you're living off the refunds from your student loans, your life starts to cost you more and more money. Just buying groceries makes your student debt skyrocket. Everything. These thoughts find me when I'm sitting on the subway into work. I think about my student loans and my "number" all the time. How much was my education worth? It was priceless, as far as knowledge and value, happiness, experience. I wouldn't trade it for anything. I would trade the phone calls for alumni donations, and the emails giving me a countdown before my six-month grace period is up. I'd trade the burden it has on my parents and parents everywhere who have to send their kids to college. We have no choice it seems, but to accept these terms and conditions. Nothing is free, but that doesn't mean it should cost you everything. As I sit in my sub-letted living room in Brooklyn, New York, fresh out of college, my phone rings. It's Ohio U, asking for a donation. I let it go to voicemail, and keep on typing. I stand up, and think: "Does all of this prove that the American Dream is really dead? Or is this the necessary cycle of debt that we signed up for when we were told we had to go to college?" Do you have student debt? What's your number?
Accident Solicitors – Reasons to Always Use a Specialist
In almost all situations - no matter what service you require - using a specialist will provide you with better results than a non-specialised professional. The more experience a professional has providing the specific service you require, the better service you will receive. As an example: when it comes to deciding which carpenter or gardener to use, price is often a very large factor. Though you understand that using a specialist will give you much better results, these results often fail to justify the increase in price. When it comes to choosing an accident solicitor you would be amazed at the number of people that apply this type of thinking. Choosing a solicitor isn't like choosing a tradesman. The way that legal cases and payment for legal services work mean that the price of using a specialist should rarely be an issue. In most cases specialist accidents solicitors operate on a no win, no fee basis. This means that if they take on your case and you are not awarded compensation as a result, you owe them nothing. Additionally, in most cases the legal fees, should you win your case, should be paid using the insurance of your opponent. There are three different types of company that are able to represent you in an accident claims procedure. Firstly there are claims services. These services act as 'middle men' bidding for your case and then passing it on to a legal firm that they deal with. Though these claims services often deliver results, their service is often very impersonal. The second type of company that you can choose to represent you is a non-specialist solicitor. Not all Accident solicitors specialise in a particular area. Many simply provide their clients with the legal representation they need. Though this service is often local and personal, the lack of specialist knowledge can often mean that their clients miss out on the representation they need. Specialist accident solicitors make up the third group. These solicitors are very experienced and knowledgeable in cases of accident claims. This means that they are able to deliver their clients with first class representation or give best information. Each of these groups has its advantages. In some cases it is not possible to find specialist accident solicitors who are local enough to consider using. In these cases you might want to consider using a trusted non specialised solicitor. The tragic thing is that despite each of these groups offering the same 'no win no fee' offer people still shy away from using the specialists.
Get The Best Aged Health Insurance Leads From The Trusted Insurance Companies
People who want to buy insurance leads from the companies that provide insurance policies to people can contact them directly or through a firm as well. Many such companies have a vast network and hold a name throughout need to make sure that they can deal with the customers properly. They also need to make sure that they can give their service to all who want to access them. This is why they require lead companies to take over these things that help them in connecting to more and more people. Many such companies want to access aged health insurance leads and to do so they need to make sure that they have access to the bigger provider companies for their leads. This way they can connect to the general audience and can help them in reaching out to people through the network and help them in accessing the services. These companies get the aged health insurance leads as well and provide the companies with their services and help them in accessing these without any hassle at all. What is the meaning of insurance leads? Insurance leads are the documents that contain all the information about the people who are interested in accessing these services related to insurance. Some companies help people in getting services related to insurance policies. Then there are smaller companies that make a connection with the general public and guide them throughout the procedure of accessing insurance policies. The whole process is a bit complicated and these lead companies make it easy for the people to access the services and connect to the people easily. They just need to follow the procedure as explained by the lead company professionals and they will be able to access all the services from the insurance companies without any hassle. These companies access the aged health insurance leads and then help the people with them and make it easy for those who want to access insurance policies. It is not difficult to access these insurance policies then at all. They can easily be accessed by anyone who wants them without any complication. They are available easily for all the people and they can also make the use of the same whenever they want using any of the companies. The aged leads health insurance can be easily accessed. How can companies buy insurance leads? If any of the companies want to buy insurance leads from the insurance provider companies they can contact them directly. These leads are available for them on the internet as well and they can get their hands on the same without any hassle. This is very easy for these companies and this also makes the work of the people easy as well. They can come in contact with these lead companies and buy insurance covers for themselves or their families and friends easily. Thus, to gather more information related to the same insurance leads you can also go to www.insuranceleadsstore.com and get all the details.
Powerful Law Of Attraction Affirmation
I submit to God in all that I do and may his will be done Everything I do I do through the eyes of Love I Love myself in a positive healthy way I love my neighbor and all that I come in contact with the way I love myself I create abundance in all that I say and do I accept abundance and welcome it with open arms I draw success, abundance, happiness, love, and wealth in all that I do I prosper and have favor in all that I do I am filled with success Money comes to me easily, frequently, and abundantly in God’s perfect way I attract the right people at the right time into my life I am drawing positive people into my life every day I make all the right connections I love the work I do I am in perfect health in every way I am at my perfect body weight I feel wonderful, grateful, and energetic everyday when I wake up I am at ease with all types of people I am a positive influence on all that I come into contact with I attract only healthy relationships I express myself wisely and articulate my thoughts and feelings to everyone I am healthy and happy Wealth is pouring into my life I am sailing on the river of wealth I am getting wealthier each day My body is healthy and functioning in a very good way I have a lot of energy I study and comprehend fast My mind is calm I am calm and relaxed in every situation My thoughts are under my control I radiate love and happiness I am surrounded by love. I have the perfect job for me I am living in the house of my dreams I have good and loving relations with my wife/husband I have a wonderful and satisfying job I have the means to travel abroad, whenever I want to I am successful in whatever I do Everything is getting better every day I prosper wherever I turn and I know that I deserve prosperity of all kinds The more grateful I am, the more reasons I find to be grateful I pay my bills with love as I know abundance flows freely through me.
Legos Are Now Worth More Than Gold.
Looking to invest your money somewhere safe? Well, you might want to head to your local toy store. According to a recent report in the UK's Telegraph, financial analysts are beginning to suggest that - when it comes to turning a profit - Legos are the new gold. Within the past 15 years, the FTSE 100 - an index of 100 companies on the London Stock Exchange - has increased in value by roughly 4.1%. And while gold investments have seen an increase 9.6% annually, LEGO sets kept in pristine condition have surpassed them with a 12% increase on average. Bottom line? Legos are an investment that packs one serious return. So what kind of LEGO sets should you be investing in? According to avid collector Ed Maciorowski (seen right, with lots of Legos), the money is in franchise picks - movies, TV shows, and even more specific product lines within the LEGO brand: "The neat thing is that all sets are retired at some point, and several hundred are retired each year a movie run ends, a licence expires or the Lego company wants to refresh its range. That means anyone with a set at home – large or small, it doesn't matter – could have quite an investment on their hands if it's in good condition, as this stuff appreciates very well in value." The most coveted LEGO set, for example, is the 2007 Ultimate Collector's Millennium Falcon - which originally retailed for $500 and currently goes for over a cool $4,000. However, financial analyst Laith Khalaf warns that 'trendy' investments come with much more risk than more traditional options: "The returns from Lego look pretty awesome, but investors need to beware that the value of collectibles can be vulnerable to fads. There’s absolutely no harm in buying some pieces as a hobby, and you may well make some money, but as a main building clock for your retirement, I would suggest sticking to more traditional shares and bonds." So what do YOU think? Would you take the risk of investing in LEGO sets, or would you stick more traditional options like gold? Let me know in the comments below, and for more WTF news, follow my WTF Street Journal collection!