The price of getting a college degree may be quickly getting so high that it could be worth contemplating not going at all. Students now days are graduating with debt anywhere from $10,000 all the way past $100,000 and at these amounts, it might be impossible to pay back.

University was once a place where you went to further your schooling, discover what you want to do in life, and have enjoyment all at the same time. Now though, it appears university will be much more of a grind than it is fun and most students really need a job just to get by. The U.S. economy is so bad today that young college age students are in a predicament.

The Obama student loan bill was signed this week and the hope is that it’s going to decrease the interest rates which can be charged and make student loans easier to repay. However, the bill won’t take effect until 2014 and for that matter, what does the federal government do anyway that’s ever successful?

With the federal government taking over the student loans process, it means banks and all the private lending companies are no longer involved in the decision making process. Isn’t anyone frightened that the federal government isn’t the right body to determine who will get loans and who doesn’t? Do we actually need extra government management of our lives?

Young adults at this time are under big stress to do well in school all the while holding down a job just to pay for it. It was once that many dads and moms were capable of paying for at the very least a large chunk of their youngsters’s college bills but now that might not be the case anymore. Costs simply add up too quickly and more college students than ever are graduating with a lot of debt.

President Obama has done nothing to try to lower the cost of college or at least keep it the same. State colleges are now extremely expensive just like private ones are because the state governments need the money. There is really no viable option for students who can’t afford the high prices and may not be able to get a job either.

Do you want more information? Please go to my web site Jobs For College Students. You may also want to find out about the summer jobs for college students 2010.

Strange title I know but how else do you describe what is going on in the global finance scene. With the master weave of God and Country which equal patriotism and prosperity, what happens when it all collapses? Chaos! It would be great to believe that there are a few men in a locked room somewhere who were controlling this economic collapse and in just a matter of time they would flip a switch and it would all be ok again but none of us are nave enough to believe such a backwards conspiracy theory.

The truth is far worse. The world bank creates money starting with digital imprints on a computer screen, a little money to reel in the third world, import western goods that they can’t afford, create a situation of debt and bam, we control another country and blame it on the World Bank and the IMF and all these numbers on a screen take a shape of their own in the minds of the global populace as ‘truth’. By truth I mean the international population accepts these numbers that are nothing more than a digital expression of a think tank drone that has been trained to believe that people are pawns and that government fractions within governments is just the way it is.

But people have lost the confidence in those imaginative numbers on the screen. People have lost hope that there is someone on the other side looking out for their interests to make sure that there are jobs, a paycheck and food on the table.

Mainstream confidence in the economic powers that be is disintegrating like a sugar cube in boiling water. With our military fighting battles on multiple fronts, men, women and children have to fight to keep the governments grimy claws out of their back pockets. The Fed, top tier investment banking gurus and global financial demigods just sit and slobber at senate hearings as they, just as we know that they are all for show. The government will use this to distract global citizens until the next distraction is placed on the board and the underhanded motivations of crooked power players will have their way again.

Between the crumbling of this economic house of cards, absence of God and global warming who can step in and save us? The answer is, good old fashioned entrepreneurialship. You, me and the small business down the street. Stop looking to institutional and governmental solutions. They’ll promise you a dollar and steal your soul.

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IRS Letters Help

I was searching for information on an IRS tax letter I’ve received this week and I found some very useful information on the website of Joe Mastriano CPA, here’s a interesting quote from his website at www.taxproblem.org:

Letter 3172 – Notice Of Federal Tax Lien And Right To A Hearing

You now have a real property lien in a particular county only. Just the county listed. Not all counties you own property in. I have had clients that sold all property they had in other counties and used this money to help them negotiate better payment plans. If the lien will cause a hardship, one acceptable to the IRS, then appeal it.

Letter 3174(P) – Notice Of Levy

Similar to letter 1058. Used when a taxpayer changes address. This needs immediate attention. You avoid levies by resolving the collection issues, or you appeal based on a hardship.

Letter 3173 – 3rd Party Contact

This letter advises taxpayers that the IRS may be contacting 3rd parties to ask questions. You can’t really do anything about it. Don’t worry though, your personal information will be kept confidential.

Letter 3219 – Notice Of Deficiency

Issued to a taxpayer before an assessment is made. Usually the result of an audit. If you disagree, you need to file a tax court petition within 90 days. You can file an appeal to contest it. Don’t worry, if you miss the deadline for an appeal you can usually get Appeals to take the case, by filing a tax court petition. Once accepted by the IRS legal division you can call and convince them that this is really a case to be heard by Appeals.

If you need to write IRS tax letters you should first view the other pages of our website and get well documented.

Letter 3228 – Annual Reminder Notice

This is a notice to let you know what taxes and years you owe. This is sent yearly as long as there is an unpaid balance.

Letter 3391 – 30 Day Notification Letter

The IRS says you owe for the years stated. The letter shows you what the liability is based on. Agree to it or protest. However, if you never filed the return, then file it. Use their numbers for income and expense if you feel comfortable with them. If you just want to accept their information without filing a return, ask for a signature form so you can show you signed the return they prepared. They file an SFR (substitute for return) using the 3rd party payer information they have on file. This includes the W-2’s, K-1’s, 1099’s, etc. filed under your tax ID number. Signing a return and having the IRS enter it on their system will start the SOL on collections. I have seen the IRS collect tax liabilities way beyond 10 years because the taxpayer never started the running of the collection statute. The statute starts when the taxpayer files a return that the IRS accepts.

Joe has a lot of many other IRS letters and notices explained on his website, also, if you’re getting letters from IRS, you should check out his site first and get well informed.