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Gulberg veggies Islamabad Jobs 2021 for Senior supervisor

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Date posted:
09 October 2021
category / sector:
personal
Newspaper:
Jang Jobs
training:
Intermediate | Bachelor
emptiness region:
Islamabad, Islamabad, Pakistan
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Why I Started a Love Journal
I'm single. I've had boyfriends before; I've been on dates recently. By no means do I feel that I'm in a relationship slump, but I decided to start what I have dubbed my love journal anyways. Why? Because I want to be better at relationships. I've come to realize recently that a big part of why some of my past relationships didn't work out had nothing to do with whether or not we were right for each other. It was more about whether or not we were ready to treat each other right. The distinction might be a little weird, but whatever, it's how I feel. I dumped a guy that was sweet (and is now engaged...to someone else!) because he didn't understand that I didn't want to be treated nicely all the time simply because I had been through a bad relationship before. I was dumped once because I wasn't into the romantic gestures that my boyfriend would spend time putting together. I'd only be able to give a simple smile back, and it was clear that our romance styles just didn't match each other. So what does this have to do with me starting a love journal? Basically, when I find something that annoys me in relationships, or that I find hard to deal with in relationships, or when someone tells me they find annoying about how I act in relationships, I want to write it down. I want to write and down and then write about it: I want to find what makes me tick and what I do that ticks others off. I want to figure out why. Is it really that I don't like big romantic gestures, or is it that I don't like what's-his-name that put one on for me before, and they remind me of him? Discovering more about your romance and relationship style is really important. You have to know yourself in and out to be able to fully share yourself with another person, and I think that love journaling (as funny as it may sound) may help me get to that point. Whether you're in a relationship or not, you can learn something about love and about what it means to you. So go ahead. Start your love journal. See if it helps you see anything more about love!
Why Is Business Process Outsourcing a Good Solution for Business?
Business processes outsourcing can become a serious competitive advantage today. It allows you to reduce costs, gain access to highly qualified personnel and advanced technologies, and focus on the company's core business processes. So what is a BPO company? Why do we need BPO? What Is BPO? What is business process outsourcing? It is a type of outsourcing, where non-core business processes of one organization are transferred to another company. The key difference between outsourcing tasks and BPO is the lack of set indicators such as time or budget. It means that when you are involved in outsourcing tasks, you allocate time and set a particular budget for its accomplishment. With BPO, you may not have time constraints and a fixed budget because you transfer not just individual tasks, but a whole functional area within the business. Despite the quite clear definition of BPO as the transfer of any processing activity to outsourcing, this term corresponds to narrower areas of outsourcing. For example, the company wants to outsource industrial production which is the fact that this type can be distinguished as a separate form of production, or simply out, industrial outsourcing. Most often than not, the BPO refers to the outsourcing of high-level processes, which require more knowledge and experience from workers. Usually, such processes encompass personnel, accounting, marketing, logistics, financial management, or legal support of organizations. What happens to market functions when outsourcing? Outsourcing as a form of business has a dual impact on market relations. On the one hand, outsourcing transfers the former internal processes that were not included in the system of commodity relations within the company into the market. On the other hand, outsourcing undermines market relations. In outsourcing, the price of a service is determined before the start of its provision and for a long period. In addition, with simple buying and selling, market transactions are free of charge, and with outsourcing, a contract must be entered into, hence there are contract costs. Thus, outsourcing is a symbiosis of the market and non-market relations. Outsourcing as a business model involves the conclusion of long-term contracts, during which the economy manages to go through several cycles, and accordingly the business priorities of the customer's management change (for example, reducing the cost of increasing productivity). BPO Advantages The advantages of using BPO can be equal to the advantages of outsourcing specific tasks. Obviously, the main goal is to reduce costs which is the same for both forms of outsourcing. Basically, it is achieved by means of the contractor who is more experienced in business processes or tasks being transferred. However, unlike outsourcing of tasks, the cost savings are more significant in the case of BPO. Moreover, it is achieved in the long term and with more serious initial preparation. Besides, cost reduction can be not the main incentive to use BPO. The desire to make controllable and predictable expenses can serve as the main reason to apply to BPO. Obviously, predictability of costs is achieved through clear financial terms set out in the contract and service level agreement (SLA). Business Process Outsourcing Models Business process outsourcing is the conclusion of a contract with a third party organization to transfer under its responsibility for the implementation of the business process in question. Business process outsourcing is not new. Enterprises of various sizes and various forms of ownership acquire standard discrete processes from external suppliers: accounting, preparation of tax reports, factoring operations, etc. Such models make it possible to reduce costs. Today, this is not enough, and therefore business process outsourcing is developing towards organizing a new business process model based on strategic partnership between an enterprise and an external organization. There are three main models of outsourcing: ● Traditional outsourcing. The enterprise transfers its supporting processes to the responsibility of service providers in order to reduce costs and focus on the implementation of the main business processes. ● Joint outsourcing. Enterprise partners with a service provider to improve their business processes to reduce costs and increase the flexibility of the management system. ● Outsourcing with elements of the reorganization of the network of business processes. The company joins forces with partners to achieve sustainable improving the performance of the enterprise. When considering business process outsourcing, four classes of tasks arise: ● selection of processes for outsourcing; ● choice of outsourcing model; ● choosing a service provider; ● organization of the process of transition from a traditional model of work to a model using outsourcing. According to experts, 42% of enterprises outsource IT services, 31% ⏤ personnel training, 22% ⏤ supplies, 20% ⏤ personnel accounting, 18% ⏤ accounting and finance, retaining the function of monitoring the results. What are BPO services for business? There are several classic examples of business process outsourcing for large enterprises: ● Outsourcing of HR processes ⏤ delegation of the functions of personnel selection (including outstaffing and personnel leasing), payroll accounting, tax reporting; ● Outsourcing of call centers, outsourcing of processes in the field of customer relations ⏤ the processing of telephone calls is transferred, etc.; ● Outsourcing of accounting processes ⏤ delegation of authority for calculating wages, issuing primary documents to counterparties, executing bank payments, etc.; ● Outsourcing of IT processes ⏤ transferring production functions, writing program code, etc. to an outsourcer. A kind of outsourcing of IT processes is the outsourcing of IT systems placement, in which the outsourcer provides the customer with equipment for placing information systems, ensures its installation, updating, and support. Moreover, outsourcing in the IT-sphere often means finding professional engineers who are skilled in 3D modeling, printing, etc. And most often, these engineers are found on international marketplaces. For example, you can easily find outsourcing 3D modeling services at Engre website as well as professional 3D designers who are able to solve any problem. Thus, business process outsourcing is developing along the path of transferring the supporting (auxiliary) processes for external execution, while preference is given not to single processes and the network of business processes of the enterprise. Small businesses have been using the traditional outsourcing model for a long time. However, to form the competitive advantages of the enterprise, it is necessary to apply other models of business process outsourcing (for example, with the reorganization of all enterprise processes), and consider the issues of outsourcing auxiliary business processes.
Jasa Pengiriman Bandung Cilamaya (0816267079)
Jasa Pengiriman Bandung Cilamaya merupakan jasa pengiriman barang dari Bandung tujuan Makassar dan seluruh Indonesia. Dengan pilihan berat pengiriman mulai dari 20kg sampai hitungan tonase yang dapat memudahkan para customer dalam mengirimkan barangnya. Logistik Express Jasa Pengiriman Bandung Cilamaya dengan team operasional yang handal, customer service profesional serta armada pengiriman yang memadai yang siap sedia dalam pengiriman barang anda sampai tujuan. Layanan Pengiriman Cargo Bandung Logistik Express Angkut Barang di lokasi / Pickup Door Antar Pengiriman Sampai Ke Tujuan To Door Layanan Packing Kayu, Plastik Dan Bubble Wrap Pembayaran Setelah Barang Di Pickup Pembayaran Mudah Via Transfer Cargo Bandung menyediakan tarif terjangkau dengan pengiriman aman sehingga pengirim tidak perlu risau. Proses booking pengiriman yang bisa diakses dimana dan kapan saja diharapkan dapat memudahkan proses pengiriman sampai tujuan. FASILITAS PENGIRIMAN BARANG LOGISTIK EXPRESS ANTARA LAIN: 1.Pergudangan : Memastikan barang-barang Anda tersimpan di lingkungan yang sesuai dengan cara yang benar. 2.Transportasi : Memastikan barang-barang Anda tiba di tujuan dengan selamat dan dalam keadaan utuh dan tidak rusak. 3.Distribusi : Memastikan barang-barang Anda tiba dialamat yang dituju dan tepat waktu. 4.Pengiriman & Penerimaan : Memastikan barang-barang Anda dikirim dengan pengiriman yang paling efesien dan efektif. 5.Visibilitas : Memastikan Anda dapat selalu memantau keluar masuk semua barang-barang Anda. KETENTUAN KIRIMAN LOGISTIK EXPRESS EKSPEDISI BANDUNG KE CILAMAYA Untuk wilayah yang belum tercantum silakan hubungi marketing kami untuk konfirmasi harga terbaik. Leadtime di hitung dari jadwal keberangkatan kapal hari rabu dan juga Sabtu. Batas akhir penerimaan barang H-2 sebelum keberangkatan kapal. Jadwal kapal dan pesawat Cargo sewaktu-waktu bisa berubah sesuai dari Schedule pelayaran/penerbangan. Barang mudah pecah, elektronik dan juga cairan wajib paking kayu dan jika ingin di asuransikan lebih aman. Hari rabu Closing pengiriman ke luar pulau seperti ke Sumatera, Sulawesi, Kalimantan, Maluku, Maluku Utara, Nusa Tenggara, Papua. Pengiriman 1-3 hari untuk estimasi antar kota di pulau Jawa Tengah, Jawa Barat, Jawa Timur, Jabodetabek. Pengiriman Minimal 30kg ke seluruh Indonesia. Layanan Customer Service & Order :081 6267 079 Cek tarif pengiriman melalui website : Ekspedisi Bandung cicurug Ekspedisi Bandung cikampek Ekspedisi Bandung cikijang Ekspedisi Bandung cilacap Ekspedisi Bandung cilamaya Ekspedisi Bandung cileunyi Ekspedisi Bandung cililin Ekspedisi Bandung cimahi Ekspedisi Bandung cipanas
An Open Letter To My Former Self
If you could tell your former self a few things...what would they be? Tess, There you are, walking down 5th Avenue in New York City with less than 300 dollars to your name. You're clutching Pete Doherty's collected writings in one hand and hanging on to your broken backpack strap with the other. On a good day, people may mistake you for a rock star, on a day like today they might think you're a junkie, or someone who may be just tired enough to fall down the subway stairs. This is where you ended up after college. After all the work and sacrifice. You took a one way flight to New York City without knowing where you'd be in a month. And for you, that was just fine. You must remember that in dreamscapes, nearly everything is possible. Even making it without money all alone in New York City. Reality is another thing all together, but it hasn't stopped you yet. You're not going to have an easy time. And in moments of absolute chaos you will find your balance, as strange as that may sound. It's just where you live, shambolic and natural. At times it will appear that your life is being held up by safety pins, just don't get scared when they snap. All you'll have is your job, and the hope that something will happen. You'll always think about being plucked from obscurity, as you believe it will save your on-the-verge-of-being-a-total-catastrophe self. That might be true. Even I don't know what will save you yet. You'll like the same bands. And you'll still think your only friends are rock stars you've never met. Despite all of the people who love and support you, you'll still feel alone. And you won't be able to help it, but just know, on a logical level, that they will always care and love you. And when you get into real trouble, they will come running. Above all else, you'll still have the compulsion to create. Never lose sight of the funny things that make you different. Some days you'll sit in the subway car and spin out of control in your head. You won't even open Doherty's poetry book because just holding on to it gives you comfort. The sleeping thing will never get better, and you'll learn to live with it rather than substituting substances for a better night. You'll start drinking more water and less booze, and you'll try and create a life for yourself. It may be in shambles, but at least you're trying. The ruts you dig for yourself will not last forever. It seems like you're coping with something...a disconnect maybe, but that is natural and above all else is OK. Your body won't make you happy for a while, but part of that is induced by your fear of failure. You don't have to live up to anything physically, and those thoughts are silly and irrelevant. But if you want to change, do it. Do it for yourself though, not for the scene and not for some dude. Don't give up and just stay conscious of what makes you happy. Things will get better once you're out doing things you like to do. Never let go of the music. It is who you are. But balance it with the practical, the fucked up, the destructive and the hopeful. Everything will get stronger with time and one passion, writing, acting, music...will lead to the others. Make sure that you try to live steadily. It doesn't mean you must live like a bore. Steady implies that you're not shaking and groveling. You must remain upright, keep moving forward and never succumb to the snooze button. No amount of words can ever describe the millennial disconnect you feel, and it's alright. Because in the end, all you need to do is make a difference, and to some you already have. I'd also advise you to start being proud of yourself, and stop turning to the destructive forces that you think will help. They almost never do. Thinking and feeling and music and art will always be there, but the words? Sometimes they won't come, and that's okay too. Never let go of the wisdom your mother and father gave to you, and don't stop calling them either. They will serve you in times of great sadness and joy. The latter of which, will not come to you often, but that's not the most important thing. You come from a long line of horrorshows and renegades, people who in times of trouble, move inward and forget, but you...you're different...you could be something great. Although this fact terrifies you on a daily basis, you have nothing to fear, because if you make an effort every day, you'll live up to it.That's what you need to tell yourself. Don't be afraid to challenge your reputation, and what others think of you. They do not and will not matter. All that matters is the moment you're in. And you'll never get that fully, it's just not how you're wired. But if you can put forth an effort to make the best of things, and not retreat into darkness, it'll make the free fall worth it. Trust me. Signed, With a great amount of admiration and disgust, Your Future Self I'd like to tag a few of my Vingle friends to write one too: And anyone else for that matter! @jordanhamilton @danidee @alywoah @allischaaff @esha @hiakym @painttowrite @anna2682 @VinMcCarthy @paulisaverage @lizarnone @TerricaRiley @buddyesd @marshalledgar @skee292 @LauraFisher Feel free to tag someone else if you decide to post your "Open letter". XX
4 Different Types Of Sipper Bottles For Your Need
Sipper bottles provide a much more convenient way of drinking, and their benefits allow you to enjoy fluids like water or others in a healthier manner. There are many different types of sipper bottles which one can choose from according to their needs. They can be personalized for your needs, made with premium materials, or come in a different shape and size to suit your preference. In this article, we will introduce 4 different types of sipper bottles for your need. 1. Designer Sipper Bottle: The Company designs the products with modern, stylish, and classic designs which can match any taste of its customers. Designers create custom bottles for their clients who want to promote their brands in the best way possible. The design is printed on a thick plastic which is then wrapped around the metal cylinder that screws into the top of the jar and comes out through a hole in the lid of the jar. 2. Personalized Sipper Bottles: This is a company that designs and produces personalized water bottles to suit various needs and occasions. A personalized water bottle makes it easy for people to share their favorite drinks without having to worry about other drinks getting mixed up with theirs as they are both sealed separately and it will be hard to mistake one for another as Sipper bottles are great for kids because they help them drink at their own pace. You can use any of these five different types of sipper bottles in order to make sure that your child stays hydrated throughout the day. Sipper bottles are like an old-fashioned water bottle that you used to drink from when you were a kid. They are lightweight, durable, and can be used for drinking both hot and cold beverages. The sipper bottle is perfect for all kinds of occasions - whether you are drinking at home, in the office, or on the go. 3. Premium Sipper Bottle: This is a company that has been designing and distributing premium water bottles for more than 20 years. 4. Create Your Own: You can make your own sipper bottle with your favorite color or style. In this case, you need to buy a jar, a silicone gasket, and a mouthpiece from the local shop. The products from the company are made from a high-quality material that can be customized by the customers to their desired size, color, or shape as well as logos or images can be printed on them at no extra cost. A sipper bottle is a type of drink container that has a spout and a lid that can be used to sip or drink from. The purpose of this type of bottle is to provide an alternative to cups and glasses for drinking on the go. Sipper bottles can be made from plastic, aluminum, glass, stainless steel, silicone, or silicone-coated metal. There are five different types of sipper bottles in the market. These are premium sipper bottles, designer sipper bottles, create your own water bottle with your own logo, aluminum water bottle, and aluminum water bottle. So buy now to get an additional discount on your bulk order you just need to visit our website to click here and make your own design for your need so hurry up.
3 Pro Tips to Get Started in Property Investment
Real Estate in Pakistan is probably the biggest sector of the economy. As per real estate specialists, the real estate industry of Pakistan has enormous scope and extent that it ranges over USD 1 Billion. Notwithstanding, the real estate sector in Pakistan is vigorously unregulated. Because of the way that the real estate sector is intensely unregulated, numerous real estate transactions go unnoticed. In any case, during the multitude of inadequacies of Pakistan's real estate sector, there is still a great deal in the real estate sector for investors. The professional openings in Pakistan's real sector are huge and worthwhile. Real Estate is as of now a billion-dollar industry and the government has set out to make it a fully regulated one. Presently is the correct opportunity to take advantage of the real estate market for the individuals who are hoping to make a profession by putting investment into real estate. 1. The initial step is to decide with respect to the specialty you will focus on as a real estate investor. In Pakistan, there are various ways that you can begin your real estate profession. If you are a real estate financial specialist who might want a month to month yield on their venture, at that point going for as of now developed homes, freehold property and business property are probably the most practical choices. Then again, if you need to be an investor who might want to go for benefits in the mid-term and long haul, at that point putting resources into impending real estate ventures, for example, private housing scheme plots is a decent alternative. Regardless of what your speculation style is, you should ensure that the cash you are contributing today will give you benefit later. For instance, you can go for an analysis of Capital Smart City Vs Blue World City. You will see whatever suits your investment style the best. 2. Once you have precisely characterized your investment style, then is an ideal opportunity to figure out how the elements of real estate function. The most ideal approach to learn is to get an apprenticeship with a neighborhood real estate organization in Pakistan. Since there are no real estate instruction courses in Pakistan, getting into a real estate organization is your smartest choice to gain proficiency with the craft of putting resources into the Pakistan market. You can choose a real estate organization dependent on the zone you need to work in. For example, if you are hoping to target Lahore Smart City, at that point your most ideally go for a real estate organization that deals in Lahore Smart City and can tell you all about the Lahore Smart City Masterplan. When you become a part of such an office, you will at that point gain proficiency with the low down about selling, buying, and renting of real estate in Pakistan. 3. The real estate office you join as a disciple can turn into your real estate investment platform too. Real Estate organizations in Pakistan and around the world have a rundown of standard investors. Your following stage is to get on the rundown. This is not simple and there is no characterized period regarding when you can turn into a part of that investment list. By getting on the financial specialist rundown of a real estate organization, you will be given different speculation alternatives around your zone of interest. It will be then your call to either invest in the introduced choices or ignore them. For example, if you are working with a real estate organization in Islamabad that deals with capital smart city overseas prime block map, then you will get options regarding this block from the agency.
Hiring a Locksmith: A Beginner's Guide to Finding the Perfect One for You!
Have you ever locked yourself out of the house, your car, or your office? Perhaps you've lost your keys and can't find them anywhere. It's an incredibly frustrating feeling! There are some things that you should know before hiring a locksmith to get yourself back on track. First things first: You want to find one that will be able to help you on the spot. If not, it's likely they won't be helpful when you need them most. Second, make sure they'll come to you for help. It can be really expensive if they have to charge for travelling time plus their hourly rate. Third, make sure they're reliable with all different types of locks because this will ensure that no matter what happens, they'll be able to help in any situation. These are just a few of the most important things to keep in mind when trying to find the perfect locksmith for yourself. What is a locksmith? A locksmith is a professional who specializes in the installation and repair of locks and key mechanisms. They often set up and monitor security systems, too. Locksmiths can be your best friend if you find yourself locked out at home, in the car, or in your office. However, some of their services can get quite pricey. So how do you find one? Well, it's important to know what type of locksmith you need so that you don't end up with someone who doesn't have the right tools for the job! What to look for in a locksmith There are a few things to consider when you're trying to find the best locksmith for yourself. The first thing is reliability. You want someone who will be available when you need them, even if you have an emergency situation. This is just as important as their rates and availability because they could charge you exorbitant fees or not show up at all if they're not reliable. The second thing to keep in mind is the type of lock they specialize in. You'll want a locksmith that's knowledgeable and experienced in different locks, such as deadbolt locks, high-security locks, and more. This will ensure your house stays secure no matter what happens and that your car can always stay locked properly. The third thing to remember is whether or not they're able to handle emergencies and deliver timely service for any lock emergency situation. This will help make sure your issues are resolved quickly and efficiently so that you can get on with your day! What are some other things you should think about before hiring a locksmith? How to find the perfect one There's a lot of different locksmiths out there and it can be hard to find one that's right for you. Some things to think about when trying to find the perfect locksmith are their availability, price, and reputation. First, make sure they're available during all hours of the day. A locksmith could be very helpful in an emergency like you have locked yourself out of your car or house! Secondly, pay attention to what they charge. If they're too expensive, then you'll have to save up more money in order to get them on the job. Alternatively, if they charge too little, then they might not have the same experience level as other companies. Finally, take a look at their reviews online. If other people have nothing good to say about them and their service is not reliable or satisfactory, then stay away from them! If you are looking for a reliable locksmith at Sunshine Coast, you have to hire one who is insured and certified. This will ensure that he is accountable in case of an accident or damage. It also ensures that your property is protected from any sort of loss or damage during the repair or installation of locks. Your locksmith should be well versed with different types of locking systems and should be able to solve your problem with ease.
7 Cute Office Supplies That'll Make Your Work Day Infinitely Better
Okay, I don't need these things, but I want them!!! Ever look around and just see white, your four walled cubicle or desk...It's boring. Check out these fun desk additions that'll keep you happy and engaged all day, because life's about the little things right? 1. Adorable Sticky Notes People still use post-its. It's common knowledge that not everything is better digital. Cute sticky notes always make my day brighter. Whether I'm writing down ideas for writing, or creating a list for myself I always have sticky notes around. I love these cat ones, and they even stand up! The whale ones are totally fun too. See? You're happier already! 2. Pig Desk Organizer This is totally weird but I really like it. Pick your favorite animal, there probably is a desk organizer of it. Make your desk your personal playground, because if you have to sit there for many hours per day you may as well have fun. 3. PENS! Pens make me happy. I don't know why. It may seem a little strange, but writing in a colored pen can change my mood instantly. Pick your favorites and get moving. I like greens and blues...because they calm me down. 4. Color Coordinated Everything If you've got a favorite color you'd better show it. Studies show that your favorite color makes you happy so just indulge. Take it to heart and coordinate. 5. A Great Mug Everyone needs coffee. You have to have a vessell worthy of drinking it out of. Get yourself a great mug with a fun theme and you'll never be sad again...well...you'll try not to be sad. 6. Brutally Honest Memo Pads These notes don't pull any punches. Don't lay down at work, make people understand that you mean business. Hand them a sticky that means something damn it! Plus they come in totally cute colors, and make everything better. 7. A Kitschy Pen Holder Come on...whales? Can't get cuter. You can even use these for the make-up you shamelessly keep on your desk. You gotta look good right? Nothing is better than having all your cute things in one place. What are your favorites? Do you keep things on your desk?
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?