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The cost of going to college is going through the roof like healthcare.  Going to college in the United States is nothing but big business.  My wife is currently attending college for nursing and it’s all about the money.  The text books are a rip off.  Every year tuition cost goes up and they nickel and dime you for everything.  To take an exam, my wife has to pay for the scantron sheets.

Colleges make it difficult to purchase used text books because they are constantly changing the version.  Additionally, now they are making college text books specific to each school, so you can’t buy elsewhere.   There is no competition so they can charge you whatever they want for the books.

Then there’s the requirement to take classes unrelated to your field of study.  My wife is required to take classes, such as Music Appreciation, which is a complete waste of time and money.  

Every year tuition goes up which doesn’t keep up with salaries.  When you think about it, a class room is just a room with chairs, desks, and maybe some audio/video equipment.  One person can teach a class with hundreds of students, so why does cost keep going up so much each year?  Are the professor’s salaries going up that much?  I doubt it!  I understand that state colleges are getting less money from the government, but private colleges are also constantly increasing the prices, so that couldn’t be the reason.   Where is all the money going?

I’ve graduated from two universities; one for my bachelor and another for my masters.  Both schools call me non-stop for donations, yet they are constantly building new buildings.  Why not stop building all these new buildings to help keep costs down?  They claim they need donations from alumni’s which I believe is a sham!

Student Loans, now exceeding credit card debt, is another sham.  A student loan is the worst type of loan you can have, because there is no way to get rid of it, unless you pay if off or die.  You cannot file bankruptcy to get rid of federal student loan debt.  Many students graduate with ridiculous loans that will take those decades to pay off, like a mortgage.

The American college system is setup to milk you dry.  Education is very important, but it shouldn’t be a rip-off.  The American college system is a big scam.  As costs keep rising, something has to give.  The bubble will bust one day and the system will collapse.

Below is a very interesting video about the “College Conspiracy”.  Enjoy!

After thinking about getting Lasik eye surgery for over 10 years I finally got it done recently.  The last time (about 10 years ago) when I seriously considered getting it done a friend referred me to a website with horror stories about Lasik surgeries gone bad.  The same friend eventually got the procedure and was very happy with the results.

Over the years everyone I met who had Lasik eye surgery would rave about how much they were happy with the outcome and that it was one of the best decisions they made in their life.  So as the years passed I finally decided to bite the bullet and do it. I was growing really tired of wearing glasses and didn’t want to wear contact lenses because when I first tried them I didn’t like the way they felt in my eyes.  Also, I have really bad allergies, especially around allergy season, and I knew contacts would be a problem then.

I initially made an appointment for a consultation and was informed that since I am over 40 years old there is a chance I may need reading glasses soon after the surgery.  It was explained that people over 40 would start to need reading glasses and it is just a natural decay in your eyes that Lasik cannot fix or prevent.  This was indeed a concern because I didn’t want to get Lasik and then have to wear reading glasses soon after.  The problem is no one knows at what age you need reading glasses.   Some people are fortunate enough to not need reading glasses until their 50s.   Regardless after careful consideration I decided to have the procedure done anyway.

I ended up going with LasikPlus because the doctor came highly recommended by 2 friends who had the procedure done by the same doctor who would do my surgery.  I also like the fact that the doctor has performed over 65,000 procedures and used the latest LASIK equipment.  I also didn’t find much negative reviews of the doctor on the Internet.  Actually, I found mostly positive reviews about his performance.

As with any medical procedure or even taking prescription or over-the-counter drugs, there are risks involved.  After my consultation I was given some paperwork that described potential risks of the surgery which was scary.  One of the risks listed could result in death.  How scary is that?

In doing some research, I discovered about 2% of individuals having the surgery have some type of complication so I was praying that I’d fall into the 98% who have no complications.  I was told I was a good candidate for the surgery and that everything should go well.

The Surgery

The surgery was fast and painless.  The only discomfort was pressure on my eyes for a few seconds to make the flap.  The laser to reshape each cornea took about 5 seconds each.  Your eyes are numbed with eye drops so there is no pain at all.  After the surgery my eyes felt a little sore and sensitive to light.  While being driven home my vision was much improved but with a haze. I kept my eyes closed and just wanted to go home and take a nap, however, I couldn’t sleep because my eyes were burning.  It was a slight burn but enough to make me uncomfortable.  After a few hours, my right eye was extremely tearful.  As soon as I open my eye water poured out.  My left eye wasn’t as tearful.

My follow-up exam the next day revealed that I had a cornea abrasion on my right eye.  “Just great”, I thought to my self. I wasn’t happy hearing that I had a complication.

My Complication

During the LASIK procedure I developed a small corneal abrasion in my right eye. As stated, during the first night, both eyes burned a bit, but my right eye was extremely tearful.  The next morning it felt uncomfortable to open both eyes, but especially my right eye.  I had a follow-up appointment that morning with an assistant doctor who told me of the corneal abrasion.  I was then sent to another location where the Lasik surgeon was working that day.  I was really irritated that I had this problem.  I kept thinking to myself, “just my luck”.

From some research about corneal abrasion, even with excellent surgical technique and a moistened eye, a small breakdown in the epithelial surface may develop as the flap is made with the microkeratome.  Corneal abrasion occurs in a small percentage of LASIK procedures because in some eyes the surface cells may not adhere well.  There is no way possible to detect who may be prone to corneal abrasion. Fortunately, the epithelium grows back so quickly that eyes with an epithelial defect usually heal within a few days, even without a contact lens.

My surgeon verified that there was indeed an abrasion and that he’d place a contact lens on my eye to help it heal and make it more comfortable.  As soon as he placed the contact lens in my right eye, it felt 100% better.  I could immediately open my eye and there was no discomfort.  My eye stopped tearing.  He also numbed the eye, so that helped.  As the numbness wore off my eye still felt comfortable.  The contact lens was removed 3 days later and my eye still felt comfortable because the abrasion had healed.

Unfortunately, due the corneal abrasion my right eye was slightly blurred for a few days.  I was told to place the prednisone anti-inflammatory drops in my eyes more frequently because my eye was inflamed at the location of the corneal abrasion.  My left eye was perfect, but with my right eye was slightly blurry which was a little annoying especially when watching TV.

2 Weeks Later

Now after about 2 weeks my right eye is still slightly blurry.  My left eye is 20/20 and right eye is 20/50, however with both eyes my vision is 20/20.  Seems my brain has adapted for the difference.  With both eyes open outside, my vision is crystal clear and I can’t see a difference but when I close each eye to compare I can see a difference. However, when I’m indoors, especially at night I can sense a difference with both eyes open. It seems indoor artificial light affects me more.

At my last check up, my surgeon stated the inflammation/swelling is gone and now the abrasion just needs to come together and that light would affect the eye making things blurry until it healed. There is an 85% chance it will heal by itself. However, if it doesn’t completely heal, he’ll do an enhancement to make the eye 20/20.  I’m hoping my eye will completely heal by itself, however, if I need an enhancement I’ll have to do it.  An enhancement if needed will not be done for another 3 months.

Conclusion

So far, I’m “almost” happy with the results.  I say “almost”, because of the complication with my corneal abrasion.  But even with 20/50 in one eye, my vision is almost perfect.  Over the last 2 weeks, on numerous occasions I’ve attempted to take my glasses off and have to remind myself, that I’m not wearing glasses!  The procedure was painless and fast.  Recovery was also fast.  If and when my right eye is 20/20, then I’ll be completely happy with the results.

Update on 9/11/2011:  About 3 months after my Lasik surgery my eye-sight is excellent at 20/20.  My right eye with the corneal abrasion has healed nicely.  My left eye which became a little blurry 2 weeks after the procedure has cleared up nicely as well.  The glare / halos / starburst at night / low light have decreased dramatically to almost to being unnoticeable.  I suspect over the next several months, it should be completely gone.  So now I’m very happy with my decision to have Lasik.  At times I’m amazed at how excellent my eye-sight is and how men created a device that uses a laser to reshape people’s cornea to fix their vision.  Absolutely amazing!  Just hope my eye-sight stays like this for years to come.

If you currently have insurance coverage for your home or business, there is a portion of that insurance coverage known as liability insurance. Chances are the liability insurance that is included in your policy has limits. This means there is a maximum on what your liability insurance will cover. Sometimes this coverage is not enough to cover all costs of legal issues, and that is where umbrella insurance comes in handy. Umbrella insurance provides additional coverage above and beyond what is covered under your normal insurance policy. In today’s world, it is a very smart idea to carry umbrella insurance on your home or business.

Protecting Your Home

In many homeowners insurance policies, there are gaps in coverage that may pose problems should a claim arise. These gaps in coverage mean that certain things may not be covered under your regular homeowners’ policy. There are likely liability coverage limits on your homeowners’ policy as well. This means that even if a claim arises and is covered under your policy, there may not be enough money available to cover all of the legal costs that go along with it. Umbrella insurance kicks in where your regular insurance policy leaves off, making it an extremely valuable investment.

Say an accident takes place on your property and someone is injured. Will your current insurance policy be able to cover all of your legal expenses, as well as the injured person’s legal and medical expenses? The answer is probably no. That means that your assets and future earnings could be at stake if your current insurance policy is inadequate. The price of an umbrella insurance policy is really not that much compared to the lifelong issues you could face without one.

Also, some houses may pose more of a risk than others. For example, older houses often carry more of a risk than newer ones. This is because electrical systems, windows, and stairs in older homes are often outdated. Additionally, households that have dogs, specifically large or dangerous breeds, may also carry a larger risk than households with small dogs or none at all. Umbrella insurance is a wise choice if you have an older home or dogs that may cause injuries to others.

Protecting Your Business

If you own a business, you know that liability insurance coverage is extremely important. This is because there are so many areas of liability in the world of business. Although you probably have general liability coverage on your business, it may not cover the entire amount if a claim is filed against you. Even if you are a business with product or professional liability insurance, these will not always cover every situation or claim. Umbrella insurance is especially important for businesses to carry because of the increased risks and liability.

For example, your business may use dangerous machinery on the premises. This machinery can pose a major risk to employees or anyone that comes into your business. Should an accident occur, will your regular liability insurance offer enough protection and coverage for the claim? There is a good chance that it will not. This is where an umbrella insurance policy would come into play and offer that extra level of protection.

Even if you have insurance for your home or business, the coverage that is included in your policy may not always be sufficient. Umbrella insurance offers additional coverage and kicks in where many policies leave off. It can be a lifesaver in many cases, and is almost always worth the small amount of money it may cost you.

Guest post from Bailey Harris. Bailey writes about business insurance quotes for BusinessInsurance.org.

Here is another update of my Lending Club Account Performance.  The last update was on September 1, 2010, over 9 months ago.

Since I opened my account in August 2009, I’ve earned a total of $5,497.60 in interest; however, this includes about $1,000 with signup bonuses.

Since my last update, Lending Club enticed me to add additional $20,000 to my account for a $400 bonus for in immediate 2% return. So my initial investment is now $50,000.

Now of the negative news; I currently have 5 notes late 16-20 days and 12 notes late 31-120 days at a potential loss of $363 and $706, respectively.  To date I’ve lost $1,088 due to loan charge off (borrowers not paying off loan) but an additional $1,000 loss maybe coming in the near future due to late payments. Currently, the majority of losses are due to B and C investors with only one A investor.

To combat future late payments and defaults, I’ve continued to reinvested monies with A investors at $25 to $50 per note.  This should lower future risk; however, my rate of return will continue to drop.

One area of improvement on my end is picking better notes to invest in.  This will lower default and increase rate of return.  After filtering notes, I invest in every note without reading each note requirement and even asking questions of the borrower to determine risk. 

I currently have $3,000 in funding notes at $50 each in all A borrowers.  I have an available $7,758.89 in cash that I will invest over the next several weeks.  The cash available is from loan payoffs that I haven’t re-invested.

See screenshot below of my account.

Related Articles:

• My Lending Club Account Performance Update 4
• My Lending Club Account Performance Update 3
• My Lending Club Account Performance Update 2
• My Lending Club Account Performance, So Far, So Good (Update 1)
• Earn a High Interest Rate with Lending Club P2P Loans
• Need a Loan? Get a Low Interest Loan from Lending Club
• Social Lending Networks are Booming
• Lending Club Offering $25 to New Customers in September and a Change to
  win $2,500

Have you ever wondered how corporations get out of paying taxes?  See interesting description below:

“ Information provided by: Online MBA “

If you are curious of where your tax dollars go, Yahoo! Politics created the chart below highlighting 2010 Federal Tax Receipt for a married couple with 2 dependents making $69,800 with a federal tax bill of $6,993.  The top 5 entities where your tax dollars go are Social Security, Defense, Medicare, Low-Income Assistance and Medicaid.