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Student Loan Crises

Student Loan Crises

We have a student loan crisis here in the United States. Student loan debt in aggregate, an unsustainable bubble of government inspired debt mania, has sky rocketed over the last 10 years nearly 400 percent. The total student loan debt is now nearing 1 trillion dollars with over 10% of that in default or delinquency and much of the rest teetering on collapse.

The government makes these loans available to all manner of students attending a wide variety of schools. Many of these loans are extended to students paying exorbitant tuition rates to traditional non-profit schools rewired and then transformed into “paper mills” or to a whole new category of for profit schools many with even more exorbitant tuition rates and seemingly in indirect proportion to the value received.

Students pay excessively high tuition rates for watered down curricula at a plethora of institutions offering degrees that don’t meet the smell test when compared to the value associated historically with the attainment of a 4-year degree. Many students even after graduation struggle to properly read, write, or do arithmetic as would be expected of a fully educated graduate of a traditional university.

Many profit and non-profit educational institutions are drinking at the government loan spout while at the same time “dummying down” the path to a degree. Government money is fueling the demand and the corresponding tuition inflation is creating a student loan bubble of catastrophic proportions. Many employers no longer value these degrees unless they are from certain very high-level schools; the kind of schools that even student loans from the government can’t cover.

Indentured servitude is a good metaphor for what is happening with the student loan fiasco; this is a truly abusive system that takes advantage of those with high hopes and trying to improve their lives. At least an indentured servant, historically, could learn a craft or a trade that was with them for life; what are these folks getting but membership in a new class of debtor?

With the passage of the Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 student loan debt public or private is no longer dischargeable in bankruptcy court. Many of our younger citizens now carry their student loan debt around with them like the proverbial, “ball and chain” looking for a job from employers many of whom no longer value the degree. What is next? Will they bring back a “debtors prison”?

Our once very fine university system has been severely damaged by this phenomenon. Not all loans are bad and not all schools are “paper mills” but the trend is clear and this will end badly unless this system is rehabilitated.

Why Take a Child to See an Olathe Pediatric Dentist

Why Take a Child to See an Olathe Pediatric Dentist

Olathe is home to several families and their children. Plenty of children need dental checkups since Olathe hosts thirty-three elementary schools and nearly 26,500 students. Most children develop cavities because of a high sugar diet. Since Olathe is located near Kansas City, one of the most famous producers of boxed chocolates, the availability of sweets is a central part of children’s lives living in the area. Therefore, pediatric dentists are a necessity. Pediatric dentists undergo an extra two years of training so that they may work specifically with the oral health of young children from the time they are infants through their teenage years.

It is important for parents to take their children to see a pediatric dentist from the time the first tooth appears. While many children may seem apprehensive at the thought of visiting the dentist, pediatric dentists specialize in working with children so they are more attuned to the child’s fears. They know how to comfort the child and help them relax for a better dental visit. It is normal for a child to express fears about seeing the dentist. However, it is important for parents to stand their ground and take their child in for regular dental checkups and care.

If a child’s oral care is neglected, it can lead to a wealth of oral health problems ranging from cavities, tooth decay, and eventually gum disease. A neglected cavity can eventually cause an infection to occur, which can be very painful for a child to deal with. Rather than waiting until things get out of hand, it is important for parents to make sure and maintain their child’s oral health by taking them to the dentist every six months to a year and anytime the child complains of a toothache.

If you notice your child is developing a cavity, it is important to schedule a pediatric dental appointment right away so that it does not get out of control. Olathe pediatric dentists are awaiting the visit of your child so they can perform preventative oral care and provide you with tips on how you can help your child take care of your child’s teeth at home. Help your child brush thoroughly and as they get older, make sure you teach them how to floss properly to avoid the buildup of plaque and tooth decay that often occurs when foods gets caught between the crevices of the teeth.

Best Cougar Dating Website

Best Cougar Dating Website

More and more women in their thirties, forties and even fifties are neglecting the age difference and searching for a date not as old as themselves – they’re called cougars and are not shy about pushing themselves and dating younger men./p>

Don’t trouble yourself fellas it is simpler than you think, all you want is a Of course, if you are new to the cougar dating scene you are likely thinking about where are all those cougar singles everyone is talking about. You recognize that there are older ladies searching for younger men somewhere around, but you just cannot locate them. But do not be concerned, there is a cougar mother looking for someone like you right now, and we will show you how to locate her.

It is a lot easier than you think – ever heard ofZbeen told about this little thing called online dating? You do not have to be social butterfly who is smartley dressed and experienced at pickup women – you can do it all online. There are specialized web sites where hot cougar mums are searching for younger men (often called “cubs”). What you should do is find the correct site, signup and make yourself known to the community. Adult females have a lot to offer, and you can can you imagine the experience level they can bring to the bedroom. Dating a more mature woman is a requirement for all younger men as they will show you a few lessons that you will not hear in college.

Of course you can likewise do it the old fashioned way. Cougar Mums are predatory naturally, and they will visit places where young men go. Try football clubs, dance bars and the like. Be prepared for some competition.

Falling for a hot cougar isn’t simply about sex and most definitely not for producing kids. It’s likewise regarding the personal room that a hot cougar provides to a young man, who’s in a romantic relationship together with her. They’re far from controlling regarding their companions, rather than younger women who irritate their friends a lot if they observe them with some other woman. A favorite place to discover these hot cougars is with a totally free of charge online dating site. It’s simple, fun and exhilarating.

Are you curious about finding a Top Cougar Dating Sites over the internet? You can find the best advice and tips through Dating Websites. Log in instantly because the one you seek may be drifting faraway from you. –

Vintage Wedding Shoes

Vintage Wedding Shoes

For all the brides to be looking for something special for their big day vintage wedding shoes are perfect. ‘Something old, something borrowed and something blue’ are a must for the traditional brides and a pair of vintage wedding shoes are the perfect choice for your ‘something old’.

We love the uniqueness and real Princess feel to these vintage wedding shoes by designer Emma Hope in a UK size 4. Made from ivory cream silk these vintage wedding shoes are beautiful and traditional and would be the perfect soul mate to your gorgeous wedding dress.

Buy Vintage Wedding Shoes by Designer Emma Hope Buy 80s Vintage Wedding Shoes

One of the best things about buying a pair of vintage wedding shoes is the celebration of style from times gone by. The Emma Hope vintage wedding shoes are the perfect choice for the traditional bride but at the same time the 80s vintage wedding shoes would instantly give you a style buzz when walking down the aisle! We love the variety and celebration of individuality a pair of vintage wedding shoes will give your special day.

The rumour mill has been buzzing as to what wedding shoes the Princess to be Kate Middleton will choose to step into to walk down the aisle. You can see our blog post on Kate Middleton’s Wedding Shoes. This brings the spotlight to other future brides and the importance of the perfect pair of wedding shoes to be.

The perfect wedding dress often takes centre stage but the wedding dress is only as perfect as the complimentary wedding shoes. Don’t be a Julia Roberts in the film Runaway Bride and opt for trainers under your gorgeous wedding dress – style and beauty applies to the perfect wedding shoes too. Don’t run away from the perfect wedding shoes!

Julia Roberts In Runaway Bride – Trainers And Wedding Dress Not Such A Good Look!

Vintage wedding shoes add an essence of luxury for your special day and you can be assured that no one else will have a pair of the same wedding shoes. For the icing on the cake (pardon the pun) rare and exclusive vintage wedding shoes providing that Cinderella feeling of the magical slippers.

Vintage wedding shoes are special shoes for the most important day of your life. Vintage wedding shoes are elegant and sophisticated and will be forever classic.

Kindred Sole has a fabulous selection of vintage wedding shoes for your perfect day whether your looking for white vintage wedding shoes, ivory vintage wedding shoes, silver vintage wedding shoes as well as vintage designer wedding shoes from fabulous designers including Salvatore Ferragamo vintage wedding shoes, Emma Hope vintage wedding shoes and Daniel Green vintage wedding shoes from circa 1920-1930 Kindred Sole has the perfect pair of vintage wedding shoes for you. View our Vintage Wedding Shoes collection

Kids and Contagious Skin Rashes What Can They Catch

Kids and Contagious Skin Rashes What Can They Catch

Kids can scare you when they come home from school and tell you that the kid sitting next to them had this ugly rash all over their arm and was scratching all during class. Your mind can also just envision what happens when you child shares pencils, plays during recess and crowds with other kids around the teacher.

Not every rash is contagious fortunately. Allergic rashes aren’t. Eczema is not contagious. However, there are other ones that can be communicated easily between kids. Some of these include chicken pox, measles, scabies, impetigo and roseola.

Measles ia very contagious and shows red marks on the face, a body rash, fever and possible infections of the ear. Even if your child doesn’t show symptoms within a few days, it doesn’t mean he is in the clear. He may show symptoms a week or ten days later. It can be spread by the air through coughing as well as via touch. Kids are advised to stay home during the illness and to not be near others. Fevers can get very high and vaccination is important.

Another rash that is common is called impetigo. This is often spread around camps as well as at schools. There is a bacterial problem that infects the skin. Some people will have it on their face and others can have it on the arms and other parts of the body. Kids like to peel them, but there can be pus and this may make the rash spread around one’s own body. For mild cases an antibiotic cream can work, but for other cases, an oral antibiotic is necessary. When my nephew caught impetigo at his bunk at camp he was given initially a cream antibiotic but it didn’t do the trick. They prescribed an oral antibiotic to clear it up. It’s important to teach kids to use hand sanitizers and many do better with a hand spray or gel rather than running to a sink.

Roseola is another rash kids get and it can take 2 weeks to appear. Scabies is a rash that can take four weeks to appear so it’s important to be aware that it can take a while for certain rashes to be detected. When a child gets roseola they’ll get a fever and the marks on the body can be either flat or have texture to them. Fortunately, most kids with this rash aren’t itchy. Try to keep the fever down with over the counter medications. Due to the contagious nature, it’s important to keep your child in isolation from other kids during the symptoms phase.

Rashes are complicated and can indicate a viral infection, bacterial infection, fungal issue, insect origin or be due to allergies.

Learn more about Toddler Eczema and other common Itchy Skin Rashes

Report Shows Increasing Trend Of Destinations Weddings With 1 In 4 Couples Getting Married Abroad

Report Shows Increasing Trend Of Destinations Weddings With 1 In 4 Couples Getting Married Abroad

According to a recently released wedding study published by the founder of two top wedding sites, WeddingChannel.com and The Knot.com, destination weddings continue rising in popularity as a popular alternative to more traditional weddings at home.

The results of the second edition of The Knot Market Intelligence Destination Wedding Study were recently published and its findings revealed that the trend for getting married abroad increased among engaged couples in 2012.

Considered to be the most definitive report on the industry of weddings abroad, this study tracked over 350,000 destination weddings by storing detailed information on wedding trends, events and locations of the weddings of around 3,000 US couples who got married abroad in 2011 or 2012.

The statistics of the 2012 Destination Weddings Study revealed a series of trends with the top key trends identified as follows:

In 2011, nearly 1 in 4 (24%) couples had a destination wedding; this has grown from 20% in 2009.
66% of international destination wedding brides and 45% of domestic destination wedding brides opted for a destination wedding because they wanted a special, fun or exotic locale.
The second most popular reason why international brides chose a destination wedding was to host a more intimate affair with fewer guests (65%), while domestic brides wanted a destination that was special to them as a couple (44%).

The findings of the study also showed that American couples have been opting for domestic destination weddings over international weddings in the last couple of years and when they did go for exotic international locations for their weddings some of the most popular locations included the Caribbean and Mexico, with 39 per cent of couples in the study going for Caribbean weddings and 24 per cent goings for weddings in Mexico, with Cancun weddings being the most popular.

The survey also showed that on average destination weddings lasted much longer than destination weddings with 60 per cent of those the study lasting three days or more. Of these international weddings abroad lasted the longest with many spanning several days and getting longer on average. According to the study almost 7 in 10 destination weddings abroad last 3 or more days and nearly half (47%) last four or more days, compared with just 38% in 2009.

“The idea of having a destination wedding is growing among our brides, and it goes hand in hand with the fact that most people no longer live where they grew up,” co-founder of XO Group Inc. Carley Roney said “When family is spread all over the country, a destination wedding is the perfect way to bring everyone together.”

Online Dating Sites – The Future Of Dating Introductions

Online Dating Sites – The Future Of Dating Introductions

Fasten your seatbelts, you might be in for a roller-coaster ride! Online dating sites have arrived and some web surfing may be required….

Online dating sites provide singletons with a modern way to connect with potential partners in their local areas and all across the world. These websites are so simple to use, that people can quickly register a profile and start reaping the benefits.

You might well be over-whelmed by the huge quantity of online dating sites around today. Every year, more are appearing and the amount of members are increasing considerably. You’ll be pleased to hear that lots of long-term relationships have resulted from random introductions on online dating sites.

Recently, many people were suspicious about online dating sites. Because of the nature of the web, it’s simple to upload whatever data you want with virtually no safeguards present to determine whether the data is correct. However, this attitude is gradually changing.

Frequently, you hear anecdotes about successful relationships that have blossomed from introductions through online dating sites. This success is largely owed to the compatibility and personality tests that these websites offer to their members. The sites genuinely provide a fantastic way to look for possible dates. You just type in the personality traits you are seeking and initiate the search function, which gives you a list of potential matches.

Signing up to many online dating sites is complimentary and you’re not under any obligation to purchase any of the services on offer. It’s a simple and fun method to hook up with many new people from all corners of the world. The internet, undoubtedly, offers the best and most effective way to learn about new people and cultures.

The online dating sites of today offer facilities for you to upload photos and provide extra details about yourself. They also permit you to specify the type of date you are searching for. By using this function, you can look for people based on education, location, weight, height, ethnic origin, hair colour, eye colour, interests and hobbies.

So, no longer do you have to limit yourself to choosing your partner from your local dating pool, you can now look far and wide for your perfect date from the convenience of your living room. This is among the greatest benefits of online dating sites. Without having to leave your house, you can link up with a wide range of different people.

Prepare yourself to chat to people from every walk of life, and be mindful that not everyone you talk to will necessarily be the type of person you might normally socialise with. Don’t forget that online dating sites are used by everyone, so approach every new relationship with a liberal mind and a positive outlook.

Most importantly, always remember to exercise some sensible precaution by not divulging any personal details, like your home phone number or address, until you are totally comfortable with the idea of doing this.

Wedding to give us a happy little angel , how to pick the delicate length ball gown flower girl dre

Wedding to give us a happy little angel , how to pick the delicate length ball gown flower girl dre

Wedding the most honest people should grab the new lens is super adorable little angel who – wedding flower girl , right ! They innocent face and cute children talking child language can bring a guests endless joy . So the new people we must remember that your delicate length ball gown flower girl dress is unique and lovely. The following kinds of information put wedding flower girl passed to you. Wedding flower girl is a little angel, he can give newcomers bring good luck. Flower girl in the wedding dress is very particular, and teach you how to choose male flower girl dress. A male flower girl dress to cool, small suit with white jacket just like a little gentleman . Top hat wearing head that is among the handsome man added some unique charm. If you want your flower girl has such a joy male handsome can choose this style of wonderful jewel knee-length organza flower girl dress. 2, male flower girl dresses can also be creative can also have its own characteristics, dress formally break with the white suit and red pants paired with quite a personality. Foot wear shoes is unique, so handsome flower girl at the wedding must be very eye-catching. 3 , very formal male straps ball gown flower girl dress, dressed in a black suit and let the boy suddenly doubled air , black bow allowed more lovely with black leather shoes last a handsome flower girl was born. Dress best week in advance to the hands of a small flower girl , best new clothes be washed once, and then ironing is good, hang up . If the couple is also prepared for the children of his shoes , it would have to adapt in advance to prevent the wedding day, the child’s feet worn . 4 , so that the flower girl dress formal suit become more mature in the sense of being naive , probably with the groom ‘s temperament is very affordable now . Flower girl dress is very suitable for more formal wedding occasions.

Family Vacation Package In India Can Include Family Adventure Sports And Places Where You Can Unwind

Family Vacation Package In India Can Include Family Adventure Sports And Places Where You Can Unwind

India is a huge country with lots of holiday options to lure the travelers from all parts of the country. You can go on vacation with your family to hills, beach or historically rich place and make your family vacation special. Family vacation package in India can include family adventure sports and places where you can unwind and relax. Explore the hilly greens of Himachal Pradesh, Uttrakand and North east as you discover ancient temples, beautiful monasteries, rock formations, springs with stunning vistas of the great Himalayas. We bet that you will never get disappointed on your family vacation to India. Few of the holiday destinations that your family would love to visit are and enjoy the rich culture and historical tours to Delhi, Kolkata, Agra and Jaipur. You can also have an ideal laid back family vacation in south India. So just pack your bags and get ready to explore this beautiful country and take a trip to India so that you can get drenched in the fun and frolic atmosphere and create lifetime memories. So go ahead book your tour now and bring smile to the faces of your loved ones.

AP tourism the name itself fills your mind with endless greenery, amazing beaches to serene lakes, dense forests to dynastic forts, delectable sea food to rich biryani, historic places to Scanturies, shopping zones to parks and many more. This beautiful land is blessed with such fantastic attractions that it is must go for vacationers to explore this land. The place is perfect blend of modernization and natural beauty. With AP tourism one just has to enjoy without making any effort in planning the holiday. They even offer you fabulous tailor made packages as per your interest time constraint. The tourism of the place offers full information about the state along with proper assistance about accommodation, travelling and sightseeing. Holiday packages are specially designed to ensure value for money. The operators provide great discount and best price in you travel like air fare, hotel bookings etc.

So this time if you are planning to spend some time with your family and friends than opt for AP tourism as this state has lot to offer you in terms of vacation and food. So get ready to be part of this incredible state and create lifetime memories that you can cherish throughout your lifetime.

Using Kangaroo Mother Care Tips For Parents To Keep Post Natal Depression Away

Using Kangaroo Mother Care Tips For Parents To Keep Post Natal Depression Away

Tips for parents about the use of Kangaroo Mother Care in warding off PND are helpful in helping to ease a Mother and her newborn through their beginning life together. When a woman is pregnant, her body releases a variety of hormones. These hormones help to improve nutritional digestion, redirect energy toward cell development, and of course trigger labor and delivery. With the birth of her baby there is a change in hormonal balance and lifes priorities, which can result in PND, or post natal depression.

Since the body has already been naturally carrying a baby in a kangaroo-like state it is normal for a Mothers body to adjust and provide KMC outside of the womb, having that similar closeness. It’s extremely healthy for a newborn baby to transition into the world in this way. After all, the baby has been inside the Mothers womb being carried in a very similar fashion to the kangaroo caring.

A tip for parents about the use of Kangaroo Mother Care to reduce the onset of Postnatal Depression is to be aware that helps to increase the release of happy hormones that promote feelings of love. It’s great for a Mom to use Kangaroo Mother Care in nurturing her baby and at the same time look after the way she is feeling as well.

There are different tips for parents using KMC when it comes to sleeping. Advocates of KMC encourage sleeping with a baby in this position. The Kangaroo Mother Care position requires the mother to sleep in a prone position that actually makes it very difficult to potentially do any harm to her newborn. Some experts even recommend that Mothers sleep sitting up. Every parent has to determine for themselves what is best for them and their baby.

As for tips for parents about the use of KMC as therapeutic in warding of PND, it is a very beneficial method of preventing postnatal depression. Kangaroo Mother Care has untold benefits and it is important for every parent to work out what works best for them and their baby in preventing the onset of postnatal depression.