The current paradigm is broken in so many ways, on so many levels and inhibits us from making the most of our lives. Relearn, rethink, reinvent. Discover the alternatives and break through the manipulation, fear and deception.
There are many ways to avoid the system, get around the system and defy the system. But there are also many ways to improve our lives by simply paying more attention and thinking through things instead of just going through the motions.
Let’s try this together. Let’s look at everything from the food we eat, to the medicine we use; the way we drive and how we use transportation; how we manage money and our understanding of what money is; how we use our time and who we spend time with; what we focus our energy and emotion on and where our potential truly lies.
I hope this will open your eyes and help you to find your own paradigm to live within.
Photo reblogged from The People's Record with 497 notes
For the first time in the history of the United States, the delinquency rate on student loans is higher than the rate of all other consumer loans, including credit and car loans. According to the latest data from the New York Federal Reserve, total student loan debt stands at $956 billion.
January 21, 2013A new infographic from CollegeStats.org puts the U.S. student loan dilemma into perspective.
In November, the Fed’s Quarterly Report on Household Debt and Credit showed a “red flag” and that there was a growing problem because 11 percent of student loans were 90 days or more past due. The infographic showed that the delinquency rate rose by about five percent since 2005.
Most borrowers are under the age of 30, but for the past eight years, the number of Americans over the age of 30 attending school has been steadily rising (the research did not show the demographics of student loan debt or the default rate).
Since 2005, student loan debt has been exceeding credit card, auto loan and other consumer debt. The average student loan balance (2012) has surpassed the $20,000 mark, but with the delinquency rate rising there are ramifications for the borrowers: the federal government can garnish up to 15 percent of an individual’s income and Social Security disability and retirement income, collection charges of up to 20 percent can add an additional nine years to a 10-year loan and it will hurt the borrower’s credit score.
A new survey by Financial Fit showed that 25 percent of parents say they have not factored college affordability into their search for getting their child into a college or university. The study also found that 46 percent are unsure how much debt their child is willing to take on and more than one-third are unsure how much debt they are willing to commit to.
An overwhelming majority of respondents said they would be willing to sell a car, get a second job or increase their debt so their child can attend a post-secondary institution, even though the enormous tuition rate is too expensive.
“Families are told ‘don’t look at the sticker price—it’s not real,’ and they believe it because it’s true,” said Frank Palmasani , a veteran guidance counselor and former college admissions director, creator of the Financial Fit™ program, in a press release. “But that doesn’t necessarily mean that a school is going to be affordable. Under a blanket of false security, students spend junior and early senior year selecting colleges, testing, and applying, all the while falling more and more in love with their top pick, which may well be unaffordable.”
Early last year, Moody’s economist Cristian deRitis warned that student loan debt defaults could lead to a wave of credit downgrades in the future across the country and this could hurt households from accessing credit for things like a home or an automobile.
Since 1978, the cost of college tuition in the U.S. has soared by 900 percent.
Video reblogged from Social Uprooting with 8 notes
The Monetary System
Get rid of your debts, get rid of your stocks, buy silver and land if possible.
Video reblogged from konterkariert / trends with 6 notes
Aftermath: The World Without Oil
We don’t want this, it’s time to change things.
Photo reblogged from Dataviz by Sunlight with 31 notes
This infographic shows current consumption rates of various natural resources and provides a timeline estimating when we will run out of them if we don’t become more sustainable. It demonstrates the impacts of American consumption, in particular, and notes where we’d be if the rest of the world consumed resources at just half the rate of the US.
Data compiled by by Armin Reller of the University of Augsburg and Tom Graedel of Yale University, graphic created by NewScientist.
Source: ecoevolution
Photo reblogged from National Post with 55 notes
Back from the brink — the United States fiscal situation in 2013
America may have avoided a fiscal cliff this week, but Republicans are determined that spending cuts must happen in the future to bring the nation’s $16-trillion debt under control. So where does the U.S. get its money, and where does it spend it? Hopefully this graphic clears up any misconceptions.
This graphic is very informative. It’s troubling to know that the spending for the dept. of education ($71.9B) is less than 10% of the combined depts. of defense & homeland security budgets ($728.3B).
How is it that the dept. of defense budget during the cold war, when we actually faced the threat of nuclear war, which threatened the lives of tens of millions of US citizens, was only about 2/3 of today’s budget in inflation adjusted dollars?!?!?!?!
9/11/2001 was tragic. We lost 2,977 civilians on that day. But we’ve lost almost 6,000 more US citizens in military combat since 9/11, most to the war on terror, and almost 43,000 have been injured. Where is the logic in this?!?!?!?!?
This is a broken system.
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