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  • Student Loan Debt Clock Is Ticking Away At 1.57 Trillion Dollars On Election Day 2016

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    The academic bubble is ready to burst, all the while academics in their infinite wisdom tell us they know best how to run our society and civilization – don’t you find that odd? It seems they haven’t gotten their own house in order, and yet, want our entire country to run like a giant college campus – interesting indeed. These same academics want to tell us how to vote, re-distribute wealth, and how to think – well, I think their day of reckoning is right around the corner – and I fear what’s to come will not be pretty. No, I don’t want to be the one to say; “I told you so.” Surely, there are others with more social media followers who see the reality of the situation to spread that in-your-face slap when the time comes. Okay so, let’s talk shall we?

    40% of the student loans are in technical default (90-days in the rears with no further agreement to catch up on payments). That is 583 Billion Dollars in defaulted loans that we may never see payment of. Trust me when I tell you that the College Loan Bubble has burst and is extreme crisis. Why is this allowed to continue? Well, if it stops it will collapse academia, become a huge problem for our Federal Government, add over 1/2 Trillion to our $20 Trillion National Debt, and cause the angst of millennials who the Democrats have all but promised “Free College For All” during the 2016 Presidential Election.

    Still, by the time the election is over the Student Loan debt will be 1.57 Trillion Dollars, even though the official figures claim it only 1.2 Trillion which was actually the figure before the start of the 2015 Academic Year.

    If you don’t see the enormity of the problem, let’s talk about the auto industry right now. It turns out that the number of “Subprime” auto loan defaults are at another all-time high of 4.5% – Subprime meaning loans made to those without proof of ability to pay or marginal credit ratings, perhaps coming from low-socioeconomic borrowers. Last time this happened the auto industry crashed and needed a big bailout, and we are reaching those same numbers now – and realize this is only 4.5% not 40-50% like the student loan problem.

    Scared Yet? Well, it is Halloween 2016 today, and I am, and no, there won’t be any good witches flying in on their brooms to win the next election to use hocus pocus to make this problem go away – indeed, both presidential candidates are likely to see the auto loan problem get worse, as well as the student loan debt problem – not to mention our stock market breaking all-time highs with PE Ratios and major stock market indices records.

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    Source by Lance Winslow

    Views: 0

  • Anal Sex: Here’s How To Make Your Woman BEG YOU For It – YES, Really – BEG YOU FOR IT

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    You may think that the title of this article sounds too good to be true – but it’s 100% serious. You are about to discover exactly how to make your woman beg you for anal sex.

    If you want to do your woman ‘up the back door’ but she isn’t currently too happy about the idea, here is how to make her want anal sex.

    Most guys approach the issue of anal sex with their woman totally the wrong way. Here are a few examples of common methods that men use to try to get their woman to have anal sex with them.

    If you are currently using any of the following ideas, stop it straight away:

    Mistake #1: They try to persuade their woman to have anal sex with them by using logical arguments. For a woman sex is virtually 100% emotional. Therefore, logical arguments are a total waste of time.

    Mistake #2: Some men just try to ‘slip it in the back door’ when they are making love to them and hope their woman just lets them carry on with it. This is a terrible idea and one that you must avoid because it will probably hurt your woman and this could turn her off the idea of anal sex for a very long time.

    Worse still, it may break the sexual trust that you have with your woman. And when you lose that all important trust, you can say goodbye to your woman doing the really dirty, naughty stuff (like ‘back door action’) with you.

    So now that you know how not to try to get your woman to have anal sex with you, I can share the secret of how to make your woman beg you for anal sex.

    Pay attention, this is going to be fun…

    For starters, stop viewing anal sex as something that you need to ‘win’ from your woman and something that at best she’ll tolerate in order to allow you to have a good time. There isn’t a real man on the planet who thinks like that.

    Instead, adopt the belief that you are going to cause your woman to link massive amounts of pleasure to anal sex.

    That is the most important step, so I’ll repeat it – you are going to cause your woman to link massive amounts of pleasure to anal sex.

    And they way you do this is in very small steps.

    You cannot expect her to go from having never had anything up her butt, to taking your whole ‘tool’ all in one night.

    It ain’t gonna happen.

    No, no, no – your game plan for back door action has to be much cleverer than that. But don’t worry; I have already got the game plan for you, so all you have to do it put it into action…

    The 5 Step Plan To Make Your Woman Beg You For Anal Sex

    – Step 1: Use your tongue to give your woman oral pleasure, wait until she is just about to come and then gently rub her asshole with your finger. Keep rubbing it as she comes and you have started the process of getting her to link pleasure to her ass.

    – Step 2: Do the same as step one, but this time insert the tip of your finger into her butt as she is about to come and carry on doing it during her orgasm.

    – Step 3: Repeat the process again, this time inserting much more of your finger (all of it if possible), into her ‘back door’ as she gets on the verge of orgasm and during her orgasm

    – Step 4: Get a butt plug (start with a small one) and get her used to taking this up her ass. Be sure to insert the butt plug as she is about to come and during her orgasm. This way she links massive pleasure to her ass being touched by you

    – Step 5: Get your woman extremely turned on and wet. Give her a clitoral orgasm (with anal fingering) and then give her a deep spot orgasm. Next, bring out the lube and attempt to put your tool in her back door (use the doggy style position).

    Chances are that she’ll help you get inside her and totally enjoy the process. If she struggles to take you, repeat steps 3 and 4 and then retry step 5. Sooner or later she will beg you to take her in her butt.

    I’m the first to admit that this process is not set in stone.

    You have to be flexible in your approach. But this IS the way to do it if you want your woman to absolutely LOVE it when you take her in the butt.

    After-all, do you really want her to just oblige you because you begged for it, OR do you want to expertly and patiently make her crave back door action?

    If you want to make her crave it, use this 5 step process and be ready to repeat certain steps if need be. At the end of the day, it’s all good fun!

    Let me know how you get on.

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    Source by Adam A Armstrong

    Views: 0

  • Why God Is Your Doctor

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    You have to believe that God will help you become a better person and that your life will be more meaningful. If you don’t have faith you don’t have the courage to do what is necessary in order to eliminate your evil self.

    So, you cannot triumph over all challenges. You accept the evil suggestions of your satanic anti-conscience. You don’t believe that your sense of morality has a meaning.

    God is alive and sends you enlightening messages in dreams. Now your faith in God is not based only on your religiosity. You have proof that God exists and you can have a direct communication with Him through dream messages.

    Therefore, you must trust God’s wisdom and always respect His commandments.

    You have to believe that God will help you in the situation you are. Your faith will help you be with God. You will feel that you are not alone.

    However, in order to be with God you have to respect His rules in all situations of life, even when you feel that you are in a terrible position. Sometimes you have to accept suffering in order to become a better person. If you never accept suffering you have the behavior of a cruel demon. So, you make many people suffer. You have to accept suffering when it is necessary.

    You want to protect your selfish and proud ego, but this is not what you must do in order to find sound mental health. You have to be a balanced person.

    If you are indifferent to what is bad because you are selfish and lazy, your satanic anti-conscience will take advantage of your irresponsible attitude and generate a mental disorder within your conscience.

    You want to agree with the philosophy of life of the commercial and immoral world. You don’t want to change your personality even after verifying that you make many mistakes.

    However, you have to follow your doctor’s guidance in order to be cured.

    The intelligent and helpful messages contained in your dreams prove that God is your doctor and that you have many negative tendencies. You have to change your personality and become a better person until you will attain sanctity. This is how all your mental health problems will be completely eliminated forever.

    You will attain higher consciousness and become a true genius, but you cannot arrive to this point without having a map. You have to obey your doctor to achieve this goal, even though you tend to be disobedient because you have an evil nature.

    You have to be an obedient student and patient and precisely follow God’s instructions, independently of your personal opinion. God’s wisdom is safe. Your opinion is dangerous because it is based on ignorance and suppositions.

    This is why God sends you many warnings in dreams. You have to follow His plan and accept to change your personality. Your evil self must be completely eliminated.

    You have the impression that your evil self is necessary, but this is a misleading impression imposed by your satanic anti-conscience. You don’t need to be evil in any situation. Evilness is craziness.

    You must be wise and sensitive in all situations of life. You must respect God’s commandments and truly desire to attain sanctity.

    Science helped humanity discover the importance of dreams and religion, the existence of God, and the existence of Satan. Now you have scientific explanations that help you understand the meaning of every religion.

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    Source by Christina Sponias

    Views: 0

  • MLM Business Plan: How Can You Use One To Profit ASAP?

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    Although getting a plan together is a genuine necessity, you’ll be pleased to know it’s actually rather simple to put one together or to make a few changes to your existing plan.

    Many online marketers understand that getting a plan together is a genuine necessity, you’ll be pleased to know it’s actually rather simple to put one together or to make a few changes to your existing plan.

    Although it is easy to create an MLM business plan when you know what your goals are, creating a profitable one is a different story altogether. To create these type of plans to actually turn a profit in your business, the main focus needs to be on how effective your marketing strategy is when it comes to generating commissions and sign ups in your downline.

    There are two main ways in which you can advertise online to turn a profit:

    1) Free marketing: social networking or content marketing are king here, basically any user generated content or anywhere in which you can interact one on one with another person within your circle of friends (or associates).

    This is a fun way to incorporate marketing into your MLM business plan, but it can be time consuming and without a large amount of people following your content, you have no real leverage and therefore no immediate profit.

    2) Paid marketing: this is an obvious one, but basically anywhere you pay to post an advert. For online marketing, adverts on other people’s blogs or sending solo ads to other marketer’s email lists are the most cost effective although there are more popular paid marketing methods such as Facebook advertising.

    These get immediate and targeted traffic, but without the proper education on paid methods you will certainly break the bank before you profit. With this option, you must also understand that this is an investment and there are times when you may even lose money, especially if you promote your offer to the wrong target market.

    Finally, you must analyse what you’re spending in your business. Is the product, service or event you’re about to invest in something that can be monetised, for example what will you learn in the training you purchase that will cover the cost of your investment? Or can you become an affiliate for what you’ve just purchased and sell copies of it to earn commissions?

    In conclusion, when you’re piecing together your MLM business plan you’re going to need to take a common sense approach. Forget cutting corners to save money, make sure the focus is on providing value to your potential customers in your marketing efforts whilst making your advertising cost effective.

    Lastly, ensure that the amount of advertising you will be implementing reflect on your goals e.g. number of sales a month so that you stay consistent with both your goals and marketing to avoid getting overwhelmed in your business, especially if you’re new to the MLM industry. Now that you have a basic understanding on how to profit quickly with an effective MLM business plan, what are you going to incorporate into your plan?

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    Source by Seb Brantigan

    Views: 0

  • Use Caution With Do Not Resuscitate (DNR) in Living Wills

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    All people including lawyers need to use caution with Living Wills and the Do Not Resuscitate (DNR) clause. Our relative who was an Emergency Medical Technician (EMT) for 17 years said he would not sign a DNR because he thought if he did that it would allow physicians to cause his death. We respected his decision but could not believe that physicians who mainly preserve life would be anxious to end life. However, it turns out he was correct, a Do Not Resuscitate (DNR) document does give a nursing home or a physician a green light to determine when or if a person can get medical care to preserve life.

    When you are signing paper work to place your loved one in a nursing home they will tell you how humane a Do Not Resuscitate (DNR) clause is, not requiring Cardiopulmonary Resuscitation (CPR) and/or a defibrillator which can break your loves one’s ribs. However, they do not inform you how bad it is for your loved one if they lose their mental or physical faculties unable to communicate their wishes for medical care and uncaring people determine the DNR means that they do not want medical care to extend their lives. Although my wife had a power of attorney requesting medical care for her Father, the Nursing Home staff just ignored us and our attempt to preserve the life of our family member.

    It turns out they had our relative sign a DNR while in a mental fog of an infection. The physician made a misdiagnosis claiming this patient’s daughter (my wife) was mentally ill for trying to honor her Father’s last wishes. She could not adequately communicate with her Father so she had reservations about sanctioning an amputation of his leg without his consent which I thought was prudent. This physician had never even met or talked to my wife and had no psychiatric credentials we are aware of. But when a physician makes a notation in a medical file it has powerful weight with a Court even if the information is false. So the nursing home staff took the physicians view declaring my wife crazy for trying to preserve the life of her Father thus over ruling her rights as a power of attorney and were going to legally expunge the life of her Father who wanted to live.

    Thus, a DNR in some circumstances can be more powerful than a power of attorney. I do not believe we are the only victims of this abuse of a DNR clause that some misguided people use to prematurely extinguish the value of human life. The common practice with the fervent sales pitch to get family members to sign a DNR out of humanity may be valid to a certain extent, but it can also be abused by people who believe they have the right to determine when a person dies.

    Including a clause or adding a hand written notation that the DNR does not give any party the right to deny medical care to your loved one is advisable. A DNR has the ability to convert a physician or nursing home staff into a psychopath and you should have reservations about signing such a document.

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    Source by Dale Adams

    Views: 0

  • Taekwondo Drug Testing

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    Every athlete which will participate in any athletic events including Taekwondo tournaments are sanctioned to undergo drug testing which is to be performed solely by their respective Anti-Doping Agency which practices the Protocol for Olympic Movement Testing.

    In the past, there were already several athletes who have been sanctioned by the board and were not allowed to participate in Taekwondo tournament because they failed this drug test. So it is a must that every Taekwondo athlete should never refer to the use of drugs just to enhance your potentials.

    History of Drug Tests amongst Athletes:

    The history of drug test amongst athletes originated during the Summer Olympic Games which involves Carl Lewis and Ben Johnson in their 100m dash competition. Ben Johnson crossed the finish line in a remarkable finish which made him the fastest man alive but this was soon disregarded after he was positively diagnosed to have anabolic steroids in his system a week after the competition.

    This revelation prompted the Olympic Game organizers to have urine drug screens on its participants so as to guarantee that fairness and equality will remain in the competition. Drugs which are prohibited to be used by these athletes include stimulant drugs, beta blockers, masking agents and anabolic androgenic steroids. These drugs are known to help increase and enhance the athletic performance of athletes after they are taken but will also result to several negative side effects which are detrimental to the athletes’ health in the long run.

    How is the drug test performed?

    The drug test will take place at any time during the competition. The athlete is unaware when it will take place but a Doping Control representative will notify the athlete if the time for his or her drug testing has been scheduled. He or she will then be required to comply with the policies and arrive at the Doping Control Station so he or she can proceed with the drug test procedure.

    The Doping Control Representative allows him or her to bring a chaperone but the athlete should remain in the sight of the DC representative all throughout the drug testing procedure.

    What will happen if the athlete refuses to take the random doping test?

    Any athlete who refuses to take the random doping test will be duly sanctioned by the Organization in charge of the event and may receive an athletic suspension of two years such as what has happened to Park Hyo Ji, a South Korean Taekwondo athlete.

    How to pass the required drug test for Taekwondo athletes?

    There is no safer way to pass the urine test for Taekwondo athletes than to do practice a clean and healthy lifestyle. In the end you will be the sole benefactor of your healthy living. Do not fool yourself because honour and prestige which is earned through hard work is always sweeter compared to something acquired through deception. If in doubt, consult the list of banned substances and supplements which are available in all area agencies. Again always cover yourself, if you are taking something that isn’t on the accepted list, that doesn’t mean it has no performance enhancing properties. Write to your Governing Doping Agency to get the all clear prior to starting a new or unknown supplement.

    Keep in mind the Five Tenets of Taekwondo. Be true to your oath as a student and live the principles of you were taught.

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    Source by Brendan Mark Smith

    Views: 0

  • MLM Forced Matrix Network Marketing System Gains Momentum

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    A forced matrix network marketing system is the quickest and most efficient way to prosper in the business field of Multi-Level marketing. MLM entrepreneurs that are new comers and those who are experienced are finding out that a forced matrix system is one of the best ways to grow in the networking arena. Starting an online Internet business in the field of multi-level marketing could be very beneficial for someone struggling in their current employment position.

    The reason a forced matrix system works better is because it allows spillover from your upline to come into your matrix even if you did not personally recruit them. A forced matrix is a system that puts a limit to the number of referrals a person can make on your first level. Any more referrals you make will be placed on the second level and so on. The more referrals you have the more your down line will grow and this will benefit the other people in your MLM program. The down lines on forced matrix systems fill up very quickly which means you make your money much faster.

    Good forced matrix systems will offer a low investment of $15.00 or less as a one-time payment or a monthly payment. The best forced MLM matrix systems are the one-time low payment investment plans because more people are apt to sign-up quickly when they see that there is no further financial commitment. Some MLM plans allow you to start immediately and make money within a week. You can find a great MLM Company and matrix plan on the Internet without doing much searching.

    Network marketing plans are really very simple to learn and can be promoted by almost anyone who has below high school education. Most MLM plans especially the new matrix system plans require only about 2 or 3 referrals to kick start the business. Most people start with recruiting family and friends before venturing off to people you do not know. The secret is really in the matrix plan. If you have a really good matrix plan then many people will want to join and promote it to others. Look for simple networking plans that are easy to explain to others so that your recruits will be able to promote the program more efficiently.

    What to look for in a great MLM forced matrix plan? The first thing to look for is a one-time low payment of $15.00 or less business investment. The next thing to look for is a small matrix system that will fill up fast like a 2×2 matrix. This system will not take long to accomplish and you will have financial profit sooner. If you can get paid weekly verses monthly then this will encourage you more because you will be receiving commission checks more often and you will receive more than your investment back within a week or so. Many of these matrix plans will allow you to work another matrix after you complete one and you will be able to continue this process many times. Look for a successful sponsor and you will do well.

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    Source by Bill Naugle

    Views: 0

  • Book Review: Breaking Through, Being Healthy In Mind, A 250 Pound Weight Loss Story

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    I recently finished two of this author’s eBooks: Breaking Bad, Overstanding Behavior from an Abusive Father, Breaking Point 1, and Understanding Manifestation, Create a Vision and Hold on Tight, Overstanding Book 1. The author, Jason Criddle, is a product of mixed race and broken home. His father, a black man, severely beat him when he was young, and when Jason was nine-years-of-age his father left him and his white mother to their own devices.

    I was impressed with this author’s writing style as well as his forthright openness about his childhood and the insights into his eventual success. Consequently, I just had to read this book too. But the primary reason I looked for this weight loss reading in particular is the personal journey that I’ve experienced with obesity.

    I was a slender youth, an active athlete in high school, and well-muscled – “lean and mean” while in the Marine Corps. However, about fifteen years ago I came to the realization that I’d gained from 3 to 5 lbs. annually for the past twenty-five years. When I was in the Corps I weighed 185 lbs. Since then, the high-water mark for me was 308 lbs. I felt terrible, it hurt to sit with that large belly in the way, and each of my joints ached when I walked. So, I’ve been searching for diets to bring me back to my optimum weight.

    Slim Fast and other supplements didn’t help. Atkins, liquid, and a number of other diets didn’t help. I’ve read a few books that have helped to some degree… books about quinoa, healthy slushies, juicing, paleo-diet, even hypnosis, and self-affirmations, all have helped. But I needed to find something that was all-encompassing, something that would touch all aspects of life. I found it in Breaking Through. Our author has presented us with a change in living, a change in life, and a new method of thinking. It’s not just diet and, in fact, this is not a diet book. It’s about keeping active, eating smart at correct intervals, and thinking positively.

    I’m proud to say that I’ve lost 21 pounds, down to 287, about a pound or two over each of the past three months. That is in fact the best way to lose weight – slowly, but consistently. If you tend to gain weight over the holidays and need to start a healthier lifestyle this, of course, isn’t the answer to everything, but it’s certainly a start and it’s an inspiring read!

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    Source by Christopher E Gregory

    Views: 0

  • Old World Style Kitchen Designs

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    With the emergence of new styles and modern amenities, today’s kitchens have undergone complete transformation. Along with the appliances, the set ups of the tiles, boards and kitchen counters also have been reformed. Even so, there are certain individuals who prefer to give their kitchens an authentic and traditional look and hence, the Old World style kitchens have been successful in sustaining their standing.

    Old World kitchens were designed in a unique manner. They typically were heavily decorated with distinctive door styles, layered finishes, and stacked with moldings to provide a visual feast. The most frequently used wood for the Old World furniture was either Oak or Cherry. The Old World style kitchen accessories included copper posts, baskets, chopping blocks, crocks, and antique serving pieces. The floors were made either of tiles or wood finishing. The wood and tile finishing differed in darkness level, distressing, sandthrough, paint, and edging. The walls of the kitchen were painted with faux finishes, stucco, or textured finishes. The hardware was filled with hammered distressed iron pieces, and heavy bulky pieces. The kitchen designs usually consist of hearth like cooking centers, loose furniture pieces and tables used as islands, but had ample of open storage areas.

    The Old World style kitchens incorporated moldings from the ceiling in large stacked molding combinations, crown posts, large arches, or beamed ceilings. The countertops of such kitchens were preferably in any of the three options of stone, rustic tile and wood.

    The Old World style kitchens were more suitable for big and large households and were not affordable styles for small homes. The original beauty of these kitchens can be still seen in some houses, which were built in the 1800s. They are often termed as dark ages kitchens because of the antique and ancient feel they provide to the entire house.

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    Source by Damian Sofsian

    Views: 0