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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?
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@marshalledgar you're so right, and yeah that's why I wrote this, I don't think people see the faces behind the debt, especially when they work as loan officers or FAFSA representatives. I cannot tell you how many times someone in an office somewhere has virtually told me to go f myself because I was a student. But when my parent got on the phone they actually took care of things. It's a racket and a disappointment. Just because we're kids doesn't mean we don't know what we're asking for.
We've all heard of the internet, housing and stock bubbles. Well, the student loan bubble is yet another one, and it's being perpetuated by the government. I just read a startling statistic yesterday that over $800 billion is out on loan for education. In the 1970s, one could actually pay for college without loans, while working part-time. Why is it that any student can file for FAFSA and get oodles of high-interest student loans without any check or screening to see if those loans could be paid back, YET, any other type of loan in the country (car, house, business...) requires collateral, screening, scoring, etc?! If the housing bubble can collapse under rogue and bogus loaning practices, how do we NOT THINK that the student loan bubble is not going to crush us even more? The government loves to bail out Big Auto and Wall Street, among others, yet they surreptitiously made it impossible to get debt relief for student loans. I know that I am rambling here, but college education is one of the biggest, most contemptible gambles one can make if they have to take out loans because there is NO GUARANTEE that a job will come around after college to pay it back. Job or not, you will have to pay it back. If you default, they absorb and deduct it from your Social Security. Also, if you are in default, you are not eligible for Medicare or Medicaid, which was hidden in the Affordable Care Act. Sooooo Good luck gambling away your future with crippling student loan debt.
amazing..perception
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Free 14-day risk-free trial. ClickFunnels offers three different pricing plans that help scale your business. If you are considering subscribing to ClickFunnels but can't decide which plan is right for your business, let me make it easy for you to help you make the most out of it. Get the Starter ClickFunnels plan if: You're just getting started: If you've never built a funnel before, this is the best plan for you. You may want to start with a Platinum plan because it comes with more features. But if you are a beginner, all those features won't be necessary. You don't need tracking funnels: If you're already using another email marketing tool like MailChimp or Sendinblue, you probably don't need this built-in email marketing automation tool. Get the ClickFunnels Platinum plan if: You own multiple businesses or brands: If your business has multiple websites or uses more than a couple of brands, you may want to go for the Platinum plan as it comes with 3 times more than what comes with the starter plan. It allows you to connect up to 9 domain names, so you can connect all your websites to one account. It also allows you to connect up to 9 payment gateways. You need tracking funnels: Tracking funnels allow you to automate your email marketing. It allows you to reach your customers with new products and services without having to pay for ads every time. You can use this tool to increase your income and convert more leads into customers. You need more than 20 funnels: Even if you only own one business, you will want to create more than one type of funnel for your business. If you create different funnels for different types of traffic, you will convert leads to customers much more easily. It allows you to create unlimited funnels if your business is growing so I would highly recommend that plan for this. Get the Two Comma Club X plan if: You own MANY companies or brands: This plan allows you to manage 27 different domains from one account. If you own a large number of businesses, this is the plan to follow. It also offers unlimited funnels and pages, and tracking funnels. You want priority phone support: This is the only plan that gives you access to a VIP phone line that you can reach at any time. It also offers priority chat support. Is Clickfunnels Worth The Money? Is Clickfunnels worth it? Many experts believe that Clikfunnels is worth it as this particular tool helps the marketer to run their business more effectively. Before you invest money in buying machine and software, you have to make sure that the software work for your business. Clickfunnels is a web tool developed by Russell Brunson in 2014. This software designs explicitly to help the internet entrepreneur to win taught online business competition. Clikfunnels play a significant role to grow any business you have. So, how clickfunnels help to improve your business? Clickfunnels play a key rule in promoting your brand and reaching out to a large number of customers on the internet. Cickfunnels specifically designed to create fully-functional sales funnel with the ability to increase your conversion rate. Experience internet marketer knows the importance of sales funnels for their business. Sales funnels aim to attract customer and collect the email address from the customers. Sales funnels enable the marketer to boost their conversion rate and eventually increase their profit. Read More Details About ClickFunnels Here>>
5 Travel Tips for Older Adults to Travel Safely
Travelling makes us happy and energetic. Older people who suffer from physical complications should also travel to feel much better. It’s better to travel far rather than sitting sick at home. However, travelling with older adults can be challenging because you have to ensure full of responsibilities with extra care. This article will give you some useful tips on travelling with older adults. Bring Medication: No wonder older adults have to rely on medicines daily. You must pack the medications properly when travelling far. Plus, consider bringing them more than the fixed amount for extra backup. You should consult a doctor before travelling with older adults to ensure if it’s OK to travel at this stage. Pack Proper Clothing: Older adults usually have to keep warm and comfortable. When packing their luggage, make sure to add comfortable clothing with footwear to enjoy the moment on the trip. Besides, check for the weather updates of your travel destination before planning for the trip. Choose a favourable time to fly. Ensure Emergency Medical Support: It’s uncertain about older adults what happens next. They can fall into such a situation at any moment that needs medical support. Therefore, you should ensure the emergency support where you plan to take your loving parents. If the older adult is physically ill, you should take precautions and the required medical support like pacemaker, oxygen cylinder, etc., to wherever you go with. Ensure Comfortable Accommodation: It’s essential to choose the hotel accommodation comfortable and facilitated enough. Make sure they provide emergency services, medical facilities, and other essentials for an older adult. If you are looking for affordable accommodation with full facilities, consider checking for the cheapest hotel booking site. Get all the information online before booking the hotel. Choose the Destination Carefully: Older adults looking for peace and comfort. It would help if you did not choose a destination that’s full of crowd and activity. Find something soothing and relaxing so that they can reminiscence good times peacefully. Overall, plan for a beautiful trip with older adults to give them good company, which they can cherish forever.
What Does Employers' Liability Cover?
When an employee sustains work-related injuries or illness, they will always seek compensation from their employer or former employer.  Employers' liability insurance will protect the employer from suffering a financial loss from such claims. Employers' liability insurance is also known as Part 2 of the workers' compensation policy. It can come packaged with the workers' compensation policy to help protect the company against costs that may arise from workplace injuries, illnesses, and deaths. How Does Employers' Liability Work? Every employer needs to protect employees' health, whether they are a small team or an expansive workforce. If an employee gets injured in the line of duty, they could seek compensation. The same applies if they suffer an illness as a result of the job. The legal costs that may result from such claims can run into the tens of thousands, and if you, as the employer, do not have sufficient insurance in place, you could be liable. Employers liability insurance protects your company in the event of such cases. The policy covers any legal fee that your company may have to pay if you choose to defend your company in court, plus any compensation fees that may arise. For instance, if an employee injures themselves while at work by tripping over a running cable on the floor, they might pursue legal action. The employers' liability insurance will cover all the medical costs, loss of income, suffering, and any other damages determined by the court. The same will apply if an employee falls sick due to exposure to asbestos while at work. Which Employees Does Employers' Liability Cover? The policy covers all types of employees, including full-time and part-time workers. It will also cover independent contractors if you contract them to work at your company. The policy also covers students, volunteers, and temporary staff you may employ at your business. Who Needs Employers' Liability Insurance? The law requires all businesses to have an employers' liability insurance for all the people they may employ through written, spoken, or implied contracts. The law requires companies to take a minimum cover of £5 million. There is a fine of up to £2500 a day until you take the policy. Additionally, companies that do not display the employers' liability insurance certificate can be fined up to £1,000. You can check out some cheap employers' liability insurance policies here. How Much will the Employers' Liability Insurance Policy Cost? Several factors determine the cost of employers' liability cover, and the cost will vary from company to company. Some of the determining factors may include the number of employees at the company, claims experience, type of work at the company, and the business in general. Bottom-line Employers' liability insurance is a mandatory policy that every business should have. You can find ways to reduce your claims and reduce the cost of the policy altogether. You can train your employees to identify any risks, keep the company clean and ensure that health and safety measures are in place.
Top 10 MLM & Network Marketing Companies Of 2021
Before knowing  top 10 MLM & network marketing companies, let us know what is network marketing. Network marketing is a type of business opportunity that is very popular with people looking for part-time, flexible businesses. Network marketing, also known as multi-level marketing, is a direct selling method that uses a network of people to sell a product. The participants in this network are usually remunerated on a commission basis. Network marketing is a medium of marketing that manufacturers use to expand their sales. Here’s the list of top 10 Best Network Marketing Companies. Mi Lifestyle Marketing Global Private Limited Amway Herbalife Forever Living Products Keva Vestige Safe & Secure Online Marketing Pvt. Ltd Win Nature International Pvt Ltd Modicare IMC Mi Lifestyle Marketing Global Private Limited Mi Lifestyle Marketing Private Limited is an Indian company established in Chennai in 2013 and a network marketing company offering a wide range of lifestyle products directly to consumers and products approved by AYUSH. Amway Amway is an American company that uses a multi-level marketing model to sell a wide range of products, primarily in the health, beauty and home care markets. Amway was founded by Jay Van Andel and Richard DeVos in 1959. Amway Businesses Offer, Opportunities That Empower, Relationships That Endure. Herbalife Herbalife is a global nutrition company that has helped people to live a healthy, active life since 1980. Our nutrition, weight management and personal care products are available exclusively through our more than 2.3 million independent associates in more than 90 countries. Forever Living Products  Forever Living Products is a privately held multi-level marketing company based in Scottsdale, Arizona, which manufactures and sells aloe vera-based beverages and bee-derived nutritional supplements and personal care products. The company was founded in 1978 by CEO Rex Maughan. Keva  Keva Industries, established in 2009, is the world’s leading direct selling company, Wellness, Food, Personal Care, Color Cosmetics, Home Care, FMCG, Animal & Agriculture products. Company has more than 400 products in its portfolio, almost all segments with a unique offer of Buy 1 get 1 free. Vestige Vestige Marketing Pvt. Ltd., which started operations in 2004, is the leading direct sales company in the field of world-class health and personal care products.Vestige is growing at a phenomenal rate every year. Safe & Secure Online Marketing Pvt. Ltd Safe & Secure Pvt Online Marketing. Ltd. is an Indian direct selling company. Safe Shop offers a wide range of educational products, lifestyle, technology products. Win Nature International Pvt. Ltd Win Nature International Pvt.Ltd was Established in 2015. It is an emerging manufacturer of Ayurvedic products located in Nagpur (Maharashtra), the center of India We are a dynamic team, with expertise in manufacturing Ayurveda products and direct sales as well as men and money management. Modicare  Since the inception of the Modi Group of Industries, the core philosophy has remained consistent—to enhance, engage and empower people’s lives. This very ethos remained at the heart of the Modicare Foundation when it was established in 1996. International Marketing Corporation Pvt Ltd International Marketing Corporation Pvt Ltd. is an Indian network marketing company. IMC is an Indian direct selling company that began operating in 2007 and is a member of IDSA. The company’s turnover in 2019 is 400 crores. Conclusion Network Marketing does have its fair share of problems but they mainly revolve false and misleading information. However, you should not let false beliefs stop you from considering a network marketing business. You can achieve success if you gain solid understanding of the industry, choose a company carefully, find quality sponsors, commit time and effort to your business.  Global MLM Software is Leader in Providing MLM Software & Direct Selling Solutions to customers across the globe.  Visit our website to understand 200+ Ready to use features @ https://globalmlmsolution.com Try our Free Demo @ https://globalmlmsolution.com/demo Connect with us for Business Consultation and plan Validation @ https://wa.me/919113511765https://globalmlmsolution.com/top-10-mlm-network-marketing-companies-of-2021/
NDIS HOLIDAY PROVIDERS
Recreation and holidays are an essential part of life because these two factors eradicate problems, depression, and anxiety. Then, comes a question that how can someone avail/find NDIS holiday providers. To answer this particular question, Visiting Angels Australia is present and well-known for this type of NDIS services. Visiting Angels Australia is a considerable company in the domain of NDIS holiday providers. It creates the best moments that can uplift the lives of elderly and disabled people through management and holiday services. We avail individual and group holiday services and it is totally up to the participants that which package they decide. In individual, we create a special package for bachelors and couples to make them excited. In a group package, there are a lot of things that make us unique and approachable. Transport and Freedom of exploration The transport that we provide not only takes you to the places but also ensures the safety and proper planning. Participants visit unique, popular, and attractive sights according to the choices. Our job is to work on these choices and put our best regarding the freedom of exploration. Management and team of professionals Certified professionals know each and everything and they manage well-planned NDIS vacation providers service for participants. They create room for happiness, possibilities of exploration, a high-quality ratio of staffing, and a supportive holiday environment. Further, they pay proper attention to every individual to meet the objectives of the company. Their way of managing and behaving with the participants is considerable and highly-appreciable. If you have been looking forward to having an individual or group holiday provider, it is the best time to pack your bags and confirm your seat. Most noteworthy, you need to provide full details of yourself, journey, place, and country you want to visit. As a result, we may think about both sides of the context and assist you properly. We take you to multiple beautiful places Before starting and going for NDIS vacation providers, you place information that what type of holiday you are looking forward to and having to. Then, we decide and assist that which area would be better and suitable for you. Even participants can have holidays of national and international level as well with full-time flexibility. Care and support service Safety and assurance are our soul-priorities and we work only on standard-oriented services. For illustration, support satisfies you to enjoy every memorable event of your holiday section. In this way, you might believe in our services and we will be able to serve and care for you throughout the complete package of NDIS holiday. Why choose us as NDIS holiday providers? The purpose of selecting us is that you would be happier and looking forward to having more enjoyable moments with NDIS holiday providers once you go for one tour. Our 24/7 customer support and feedback stimulate participants to join us. All in all, you will be in safe-hands; we really care for participants, and make them able to go outside of the box.