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WASHINGTON (AP) ? It took Mario Parker-Milligan less than a semester to decide that he was paying too many fees to Higher One, the company hired by his college to pay out students' financial aid on debit cards.
Four years after he opted out, his classmates still face more than a dozen fees ? for replacement cards, for using the cards as all-purpose debit cards, for using an ATM other than the two on-campus kiosks owned by Higher One.
"They sold it as a faster, cheaper way for the college to get students their money," said Parker-Milligan, 23, student body president at Lane Community College in Eugene, Ore. "It may be cheaper for the college, but it's not cheaper for the students."
As many as 900 colleges are pushing students into using payment cards that carry hefty costs, sometimes even to get to their financial aid money, according to a report to be released Wednesday by a public interest group.
Colleges and banks rake in millions from the fees, often through secretive deals and sometimes in apparent violation of federal law, according to the report, an early copy of which was obtained by The Associated Press.
More than two out of five U.S. higher-education students ? more than 9 million people ? attend schools that have deals with financial companies, says the report, written by the U.S. Public Interest Research Group Higher Education Fund.
The fees add to the mountain of debt many students already take on to get a diploma. U.S. student debt tops $1 trillion, according to the Consumer Financial Protection Bureau.
Student loans have surpassed credit cards as the biggest source of unsecured debt in America, according to the CFPB, which regulates cards and private student lenders.
Among the fees charged by Higher One, according to its website, is a $50 "lack of documentation fee" for students who fail to submit certain paperwork. The U.S. Department of Education called the charging of such fees "unallowable" in guidance to financial aid officers issued last month.
Higher One founder and Chief Operating Officer Miles Lasater said in an email that the company takes compliance with the government's rules "very seriously," and officially swears that to the government each year.
"We are committed to providing good value accounts that are designed for college students," he said, and students must review the company's fee list when they sign up for an account. He cited a study commissioned by Higher One that declared Higher One "a low-cost provider for this market." The same study found that the median fees charged to the 2 million students with Higher One accounts totaled $49 annually.
Among the fees charged to students who open Higher One accounts: $50 if an account is overdrawn for more than 45 days, $10 per month if the student stops using his account for six months, $29 to $38 for overdrawing an account with a recurring bill payment and 50 cents to use a PIN instead of a signature system at a retail store.
Higher One has agreements with 520 campuses that enroll more than 4.3 million students, about one-fifth of the students enrolled in college nationwide, according to public filings and the U.S. PIRG report. Wells Fargo and US Bank combined have deals with schools that enroll 3.7 million, the report says.
Lane Community College's president, Mary Spilde, said in an interview that the real problem is a "lack of adequate public funding," which forces students to seek financial aid and colleges to find ways to cut costs.
"Many institutions are looking at ways to streamline and to do things that we're good at, which is education and learning, and not banking," Spilde said.
Programs like Higher One's shift the cost of handing out financial aid money from universities, which no longer have to print and mail checks, to fee-paying students, said Rich Williams, the report's lead author.
"For decades, student aid was distributed without fees," Williams said. "Now bank middlemen are making out like bandits using campus cards to siphon off millions of student aid dollars."
Students can opt out of the programs and choose direct deposit or paper checks to receive their college aid, but relatively few do. The cards and accounts are marketed aggressively using college letterhead and websites carrying the endorsement of colleges. Higher One also warns students that it will take extra days if they choose direct deposit or a paper check.
In the end, students feel locked into accounts before they have a chance to shop for a better deal, Parker-Milligan said.
He said that's especially tough for poor students who rely on food stamps and other social services. Those students budget down to the penny, and don't plan on paying a fee when Higher One's ATM runs out of cash, he said.
Offerings by financial companies vary by campus. Some issue checking accounts with debit cards. Others offer prepaid debit cards, which are similar to bank debit cards but can carry higher fees and offer fewer consumer protections.
Often, students' campus ID cards double as payment cards. At the University of Minnesota, TCF Bank issues cards that serve as school IDs, ATM and debit cards, library cards, security cards, health care cards, phone cards, and stored-value cards for vending machines, the report said. TCF also has branches on campus and 25-year naming rights to the football stadium. Its cards charge similar fees, the report says.
Having such visibility on campus is a big benefit for banks seeking exclusive access to an untapped group of potential customers. Many banks are willing to pay universities for the privilege.
Under its contract with Huntington Bank, Ohio State University will receive $25 million over 15 years, plus a sweetener of $100 million in loans and investments for the neighborhoods around campus, the report said. Florida State receives a portion of every ATM fee paid by a student, it says.
It's difficult to get a full picture of how much money the schools are getting because most of them refuse to release their contracts with banks. Only a handful were available to the authors of the report.
Ohio State and Florida State did not immediately respond to requests for comment. The National Association of College and University Business Officers, a trade group involved in the issue, did not respond to multiple requests for comment.
Lane Community College receives no payments under its contract with Higher One, Spilde said. Lasiter said Higher One does not "offer revenue sharing" to colleges that it partners with. However, Higher One does pay some universities under existing contracts, according to the U.S. PIRG report.
Campus card deals have become more popular in part because of recent legal changes that cut into the profits banks can generate from students.
A 2009 law banned credit cards given to students who had no way of repaying. It forced colleges to disclose deals with credit card companies and stopped some forms of marketing, such as offering students free gifts in exchange for obtaining a credit card.
Until recently, banks also made a lot more money from student loans. They extended federal aid to students, and also offered confusingly similar, higher-cost private loans alongside the government programs. Congress cut them out of the equation in 2010.
Neither change affected debit cards. As the recession forced states to slash higher education budgets, companies such as Higher One, Wells Fargo and US Bank approached colleges with an attractive proposition: The companies would assume the cost and hassle of handing out student aid funds, often paying for the privilege.
___
Daniel Wagner can be reached at www.twitter.com/wagnerreports .
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The Volkswagen Beetle was a favorite of the counterculture crowd of the late '60s and early '70s.
By Paul A. Eisenstein, msnbc.com contributor
Few manufacturers have had more humble origins or had less of a chance of surviving. Yet, as Volkswagen?celebrates its 75th anniversary, the German maker now has a solid shot at dominating the automotive world.
While it is no longer a one-model company, Volkswagen AG has become an industry powerhouse covering every segment of the market, from such high-mileage econoboxes as the VW Up! to playthings for the ultra-rich with models like the Lamborghini Aventador and Bentley Mulsanne.
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The basic VW Beetle introduced fuel economy to the American public.
Such a range would have been hard to imagine when the company was founded by the legendary Ferdinand Porsche in May 1937. Better known for his high-performance sports cars, Porsche was charged by Adolph Hitler to develop a small, affordable car for the German masses.? It was to be known as the Volkswagen, or People?s Car. ?It wasn?t until several decades later that the original model came to be known as the Beetle.?
The new company was headquartered in Wolfsburg, an old castle town an hour from Berlin, but the assembly line barely got into operation producing the 990 Reichsmark coupe before production was shifted to support the Nazi war machine.? And there the story might have ended had it not been for British Army Maj. Ivan Hirst.
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The Volkswagen bus also had a following among those who preferred going down a road less traveled.
He was assigned to the devastated town shortly after the war ended and given the task of trying to put the VW plant back to work. Buried under the rubble Hirst found a surviving Beetle, painted it green and convinced British occupation forces to place an order for 20,000.? Within just a few years, demand was booming. And desperate for foreign currency, the newly privatized Volkswagen started shipping some of the little cars abroad.
The first to reach the U.S. arrived in 1949.? It was a sort of anti-car, anything but the sort of big, heavy ? and gas-guzzling ? models that American buyers were shopping for in ever increasing numbers. Yet the Beetle resonated with a small community and by the ?60s it became a symbol of the American counter-culture.
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Disney's "Herbie, the Love Bug" brought even more popularity -- and sales -- to Volkswagen.
Soon, U.S. sales were nudging a half-million annually. But the German maker was about to face some new competition from Japan and, unable to match the mileage and quality of makers like Toyota and Honda, and unwilling to design products specifically for the States, sales steadily dwindled even as the VW line-up expanded. By the early 1990s, Volkswagen seriously considered abandoning the U.S. market.
It decided to stick it out but shifted attention to other markets, including China where it is today locked into a bitter battle for dominance with General Motors.? It also went on a buying spree, adding new brands like Spanish Seat and Czech Skoda, as well as Italy?s Lamborghini and Britain?s Bentley.?
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The first Volkswagens to reach the U.S. arrived in 1949.
Collectively, those and Volkswagen AG?s other brands generated a hefty 8.39 million sales in 2011, making the company the world?s second-largest automaker, behind only General Motors but ahead of the previous year?s leader Toyota, which was hurt by Japan?s devastating earthquake and tsunami.? While Toyota has a good chance of regaining its lead in 2012, Volkswagen officials have declared a goal of becoming the automotive world?s king-of-the-hill before the end of the decade.? And their soaring profits should provide the additional product needed to get there.
Meanwhile, the German maker has shifted course in the U.S.? After long ignoring the market and having closed its Westmoreland, Pa., plant more than two decades ago, Volkswagen?last year opened a new plant in Chattanooga, Tenn., to build a version of the midsize Passat sedan designed specifically for the U.S. ?The payoff came quickly, with booming demand suggesting that VW just might meet a goal of tripling U.S. volume ? including the Audi brand ? to 800,000 annually.
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Today, Volkswagen has one of the broadest line-ups in the automotive world. A lot has changed in 75 years.
Today, the maker has one of the broadest line-ups in the automotive world.? And that includes what is only the third-generation Beetle. The little coupe will never again match the demand of decades past, company officials admit, but it is an iconic symbol of VW?s unlikely success and ability to rise from the ashes.
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CNBC's Steve Liesman reports regulators are looking into JPMorgan's losses and no matter what they find, the answer to the problem is likely more capital. Regulators are also looking at whether the Volcker Rule would have prohibited the trades.
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This undated photo released by the Keegan family shows Marina Keegan, of Wayland, Mass., on the Yale University campus in New Haven, Conn. Marina, who graduated from Yale less than a week earlier, died at the scene of an automobile crash in Dennis, Mass., Saturday, May 26, 2012. Her writing had been published in The New York Times, and she had accepted a job at The New Yorker. Her final Yale Daily News column was widely shared on social media, where she had implored her classmates to "make something happen to this world." (AP Photo/Keegan Family)
This undated photo released by the Keegan family shows Marina Keegan, of Wayland, Mass., on the Yale University campus in New Haven, Conn. Marina, who graduated from Yale less than a week earlier, died at the scene of an automobile crash in Dennis, Mass., Saturday, May 26, 2012. Her writing had been published in The New York Times, and she had accepted a job at The New Yorker. Her final Yale Daily News column was widely shared on social media, where she had implored her classmates to "make something happen to this world." (AP Photo/Keegan Family)
This undated photo released by the Keegan family shows Marina Keegan, left, and her brother Pierce, of Wayland, Mass. Marina, who graduated from Yale less than a week earlier, died at the scene of an automobile crash in Dennis, Mass., Saturday, May 26, 2012. Her writing had been published in The New York Times, and she had accepted a job at The New Yorker. Her final Yale Daily News column was widely shared on social media, where she had implored her classmates to "make something happen to this world." (AP Photo/Keegan Family)
WAYLAND, Mass. (AP) ? "What we have to remember is that we can still do anything," Marina Keegan wrote to fellow Yale University graduates. "... We can't, we must not lose this sense of possibility because in the end, it's all we have."
Three days after the Yale alumna's death in a car crash, her parents, Tracy and Kevin Keegan, said from their Massachusetts home that it was comforting that even strangers were drawing inspiration from their daughter's words as her last newspaper column spread across the Internet.
"I would love my daughter's words, few as they may be, to be shared," Tracy Keegan said. "... That's all that's left of her now, her words."
Yale Daily News Editor Max de La Bruyere said Tuesday that the newspaper put Keegan's print column online as a tribute following her death Saturday on Cape Cod. He said it had gotten 400,000 hits on the newspaper's website after first spreading through Yale students' Facebook and Twitter accounts. The newspaper tracked readers as far away as Asia.
"It's a huge outpouring of sympathy," he said. "People are very moved by it."
The 22-year-old's column talked about anxiety that came with the feeling of losing the web of fellowship at Yale. She said what she wanted out of life was "the opposite of loneliness," and encouraged classmates by saying "the best years of our lives are not behind us."
"It's not quite love and it's not quite community," the English major wrote of her time at Yale. "It's just this feeling that there are people, an abundance of people, who are in this together."
The Keegans said their daughter's boyfriend, 22-year-old Michael Gocksch of Centerport, N.Y., fell asleep at the wheel while driving with her to their family's summer place in Wellfleet on Cape Cod.
The young couple had been to Brookline earlier in the day so their daughter could introduce her boyfriend and fellow 2012 graduate to her grandmother. The couple was heading to a birthday dinner for Keegan's father when she died. Gocksch was hospitalized in stable condition after the crash and later discharged.
Massachusetts State Police are still investigating the cause of the crash, which occurred on Route 6 in the town of Dennis. They said speed wasn't a factor and both were wearing seatbelts. The vehicle drifted off the road and into guardrails on both sides of the road before flipping.
Keegan's parents said she was about to start a job as an assistant to the general counsel at The New Yorker, where she interned last summer and got some of her work onto a magazine blog.
The New York Times also published a piece she wrote after another column she did for the Yale Daily News sparked a debate about why 25 percent of Yale graduates go into finance or consulting instead of pursuing employment more closely connected to their studies and aspirations.
Keegan had been the president of Yale College Democrats. She worked in New Hampshire in the summer of 2008 as one of the youngest paid staffers for the Obama presidential campaign, her parents said Tuesday while looking at a photo of their daughter with the president.
The Keegans spent graduation weekend with their daughter in New Haven, time they said they were grateful for as they prepare for her memorial Saturday at The First Parish in Wayland. They plan to spread her ashes in Cape Cod Bay.
Yale professor and literary critic Harold Bloom said Keegan had become like an adopted granddaughter to him after serving as his research assistant for the past two years. He taught her seminars in Shakespeare and American poetry and called her senior essay about the poet John Keats' influence on author F. Scott Fitzgerald's work "quite publishable."
In August, a musical that Keegan wrote will be staged in New York City as part of The New York International Fringe Festival, fellow 2012 Yale graduate and project collaborator Mark Sonnenblick said.
Called "Independents," the play is about a group of 20-somethings smuggling drugs on a Revolutionary War-era ship while posing as war re-enactors. When the posse's leader disappears, the friends try to become real re-enactors.
Sonneblick, who wrote the show's lyrics, said the script is about transitioning to adulthood and maintaining community and relationships, themes that embodied much of Keegan's writing.
"These are things Marina didn't necessarily have answers for," Sonneblick said. "She took on issues she was concerned about and happened to her and her friends."
The Yale graduate said it like this in her last column: "We're in this together, 2012. Let's make something happen to this world."
___
Online:
Keegan's essay: http://www.yaledailynews.com/news/2012/may/27/keegan-opposite-loneliness/?cross-campus
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British society is going through a crisis which falls on children. There are currently 45,000 foster homes and it is predicted that a further 8,750 ?at minimum, will be needed in 2012.
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According to the Fostering Network these statistics show the cause of the collapse of the Foster Care System and are also an indication of social breakdown which puts children at risk and forces the state to look after their well-being.
The State is responsible for the temporary re-homing with foster parents of those children whose future is uncertain.
According to the National Society for the Prevention of Cruelty to Children (NSPCC), over 50,552 children were recorded on the child protection plan in the United Kingdom as of March 2011.
In London alone, around 6,095 children taken into care in 2010 with abandonment and neglect as the main causes, making up 2,885 cases. This is followed by physical and emotional abuse which totalled 2,530 and a total of 230 cases of sexual abuse were recorded.
Children of a very young age ? the majority of which were victims of their own families ? form the group with the highest incidences of such abuse.
Although there are also situations where young children are re-homed for having lost all respect for their parents authority, sometimes behaving violently towards them or others, the family problems where the parents are responsible, are the main cause of ?forced departure? of children and adolescents from their home.
Family and Society
Among the most common cases are those parents with alcohol or drug addictions, attitudes towards domestic violence, emotional and sexual abuse towards children, ill-treatment, family breakdown and child neglect and abandonment.
All of these situations put the well-being and sometimes the life of the children and young people at risk. According to the NSPCC, in the case of sexual abuse, in the period between 2010 and 2011, 17,727 cases in England and Wales were recorded, 37% higher than the previous year. Meanwhile, it was revealed in March of this year, that approximately 50,500 run the risk of being abused.
The report also indicates that the cases of sexual abuse, abandonment and neglect are not fully reported, therefore, figures are estimated to be higher.
As for murders, statistics in England and Wales are averaged at 56 child murders each year.
Furthermore, it is generally estimated that 1 in 10 young people has been abandoned or seriously neglected by their parents during their childhood.
In this scenario, the number of one-year-old children who were the aim of the protection plan last year rose to 4,630.
Consequences
Figures show an obvious decline in family structures in the United Kingdom, which provide emotional and physical stability for children. It is in this reality where the abused and mistreated child develops psychological, behavioural and mental health problems.
Some signs appear when when feelings are expressed in a violent and aggressive manner.
They sometimes develop harmful or self-harm traits such as alcohol or drug addiction or belonging to street gangs.
These are some of the traits of many children and young people who form part of the excessive demand for foster homes in the United Kingdom and who pose a challenge for the system and for those into whose homes they are welcomed.
The Road Home
A child enters into the protection and fostering system when their parents cannot care for them over a period of time, whether it is because the parents become ill and disabled or due to a hospital stay over several weeks or even because of a legal decision to ensure the child?s safety and well-being.
Either way, the foster family become responsible for the day to day care of the child, while the authorities and decisions concerning the child are taken by the state in collusion with the biological parents, until a concrete solution is found.
According to the British Association for Fostering and Adoption (BAAP), in March of last year, the age range of fostered children were found to be 6% for children of a year old, 18% between 5 and 9 years old, 37% between 10 and 15 years old and 21 % were over 16 years old.
The figures are increasing and it is difficult to say if the results are good or bad as every case is different and there are positive and negative experiences.
The Positives and Negatives
The positive effect, in the case of many foster parents, is that of receiving professional guidance and therefore gaining experience in the care of their own children.
For the ?fostered children? they regain their self-confidence, their desire to study, socialise and steer away from violence.? They also recover from physical and psychological damage
One positive example is that of Clare Marshall, who was fostered from the age of 2 and after passing through more than 40 different families, now lives with a long term, stable and secure foster family:?It was difficult in the beginning, but in the end it gave me the inspiration, strength and determination I needed? My carer who I now consider my mum, instilled good values in me and she is the reason I have been successful and have been to university?.
There is also the case of Mark Marcus, who currently works for the BBC in Suffolk and remembers being fostered from the age of 2 or 3.
recalls having good memories of the different families with whom he lived and during the long period until his adolescence he was in contact with one of his brothers.
However, there are also negative effects, deep psychological problems as most do not know what is expected of them or what to expect from their future.
Once they enter into the system, they can change carer as often as necessary, developing antisocial attitudes and feelings and this can even result in suicide.
Such is the case of Andrea Adams, after having left her foster mother, Christine, she was allocated a place to live independently, but her emotional instability and mental health lead her to drug and alcohol abuse. Among several overdoses, incidents of self-harm and having reported being repeatedly raped, Andrea could not go on and chose to end her life at only 18 years of age.
Despite these psychological problems being evident before starting the fostering programme due to prior traumatic experiences such as sexual abuse, the constant change of home affects the child?s mental health, their youth and it even has effects when they leave the fostering programme.
The behavioural and emotional traumas can lead to murder, such as what happened in June 2011 when a youth stabbed his foster mum, Dawn Mackenzie in Hamilton, South Lanarkshire, after working as a foster family for 8 months with her husband.
In this way, the negative effects and the failure in the system seem to be becoming even more common.
In fact, a recent article in the Guardian relays some statistics concerning the outcome of those who complete the fostering programme, but it is not very encouraging. According to the article, a third of them sleep on the street, a fifth do not have a home, they represent half of all prisoners under 25, 25% are unemployed for a short period after leaving school and many end up in prostitution. Only 6% manage to reach university compared to over a third of the general population.
Fostering in Time
While family and social breakdown in the United Kingdom seems to have gained momentum over recent years, foster families have not always had the same significance, though it is a practice which dates back over 400 years.
In fact, as the writer, Samuel Johnson tells in his book A Journey to the Western Islands of Scotland (1775), the use of this practice was customary among relatives, normally landowners and intermediate social strata.
Being a foster family was an honour for the confidence which derived from it.? The child was delivered with an asset, normally cows, which would generate money to help with their upbringing.
Once the fostering period, which generally lasted 6 years, came to an end, the child was returned to their parents with the same cows as well as half of the income which it would have generated.? Therefore, the outcome was positive for the child and both families.
However, it has changed from being a custom to being a problem, as nowadays a foster home ?is needed every 22 minutes?. This is the reason for the recent campaign by the Fostering Network? which estimates that 8,750 new foster families and carers are needed this year.
(Translated by Louise Jefferson? E-mail: louise@jeffersontranslations.com)
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| H is not staying at house (separated),, yet he calls and talks to my 23 year old daughter every day.. I know he does this to know what I'm doing, where I am, etc..... So he texts me tonight and says " I know I said I wouldn't text, but I called Dana on her way to work to see how she was feeling (has been sick),, and I told her " my marriage is over",, and she said "I know"...............No response needed." So of course my response was " The only thing I'm going to respond with is that it's not right that you are putting her in the middle of this. If you want to know how she is doing,, then ask her and leave it at that, don't talk to her about "our" issues." So when my daughter called me,, she told me that he actually said " Things aren't getting any better" .. and that's when she said " I know"... He has a bad habit of changing people's words around,, pizzes me off... |
Sounds as if your DD is doing what she oughta. My DS doesn't tell me about those kind of calls, but he tells his wife and eventually I get advised. DS doesn't like being in the middle or possibly upsetting me. Sometimes, I want to just explode at L when I learn these things, but keep quiet as I don't want to further harm DS and DD's fragile relationships with their dad. He's damaging, almost to the brink of destruction, those relationships all by himself. Certainly doesn't need my help.
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It is worth prioritizing a Dallas eye doctor with years of experience in the industry. Someone who has worked for many years in the field will be better prepared to recognize early warning signs of problems. He should try to get to know all of his patients in depth so he can identify lifestyle problems that may lead to complications. As a patient, it is vital to know you are being listened to and taken seriously when talking to a professional.
Those looking for a Dallas eye doctor may have developed eye problems already and may just be looking for someone who specializes in that field. Those who have previously had corneal operations may want a consultation with someone more equipped in that subject. There is no substitute for good training, and this level of service will mean more accurate suggestions of treatment for faster recuperation. This is why so much emphasis is placed on finding an appropriate center for eye care.
Anyone suffering from eye conditions or just concerned about the health of their eyes should seek medical help. Finding a great Dallas optometrist can mean better sight, healthier thinking and a generally better outlook on life. From getting an amazing service during scheduled appointments to finding someone with outstanding training in a particular field, there is a doctor that can help. All it takes is a little research online to find excellent care right on your doorstep.
Those with high risk for vision loss need to have their eye health monitored more often.Our Dallas optometrist provides exclusive eye care and routine services for the whole family. If you want to consult more on the matter please visit here.
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loans
High-interest,loans short-term loans financial loans that may be lent by people who require immediate cash when their pay day is yet to reach, are classified as pay day loans or cash loan financial loans. Usually, previous pay stubs, photo recognition and personal loans evidence of earnings need to be presented by people when they're using of these financial loans. When these financial loans have to be lent, an individual publish-dated check needs to be written towards the pay day loan loan companies, and also the preferred amount cash together with a recognised fee is incorporated inside it.
The actual relation to these financial loans are referred to in legal documents which are presented through the loan provider. Annual rates of interest, finance charges and late costs are incorporated within the documents. The money is supplied towards the debtors after they have signed these documents. The deadline of those financial loans is often the same date once the debtors receive their salary, and they're obliged to repay the whole lent amount. Debtors may even obtain the the loan extended or "folded over" if they're not able to pay for around the deadline.
The concept of pay day loans is frequently absolutely discouraged by many people finance experts. This of those financial loans can rise to 500% as these financial loans are given on the very short time. As lengthy as debtors have the ability to pay back the lent loan around the deadline, these financial loans can be loaded with immediate cash, regardless of the high rate of interest.
However, additional interest costs and late charges could be incurred around the remaining balance if debtors fail at having to pay from the entire quantity of the lent loan around the deadline. The initial quantity of the borrowed funds which was lent may also be equaled or exceeded through the built up interest, when the loan is folded over 3 times. The rates of interest that may be billed by pay day loan loan companies aren't controlled by laws and regulations in most states being that they are lending private cash financial loans.
Under specific conditions, pay day loans appear to become quite attractive regardless of the stern conditions and terms. So many people are not able to deal with unpredicted costs simply because they basically survive on their own income and borrowing these financial loans enables these to avoid financial problems. It's recommended by financial advisors that after borrowing these financial loans, people should only borrow some cash that they'll have the ability to pay back easily when their salary arrives.
It's also suggested that individuals only consider borrowing these financial loans in instances where they require urgent cash, with no other financial choices are available. Before any contracts are signed, it is crucial that the conditions and terms from the loan are mindfully and completely read. Within the situation, that pay day loan loan companies are came back a cheque for scanty funds all legal options could be chased by them. Folded over interest obligations are something which these loan companies make money from. Therefore, as lengthy like a sufficient amount that'll be due is lent pay day loans can be very advantageous.
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The company is also considering selling a major factory to a Taiwanese firm, while closing or scaling down other plants, said the Nikkei and the Asahi Shimbun newspapers as well as Kyodo News.
Renesas, which lost 62.6 billion yen ($785 million) in the year to March, also plans to raise 100 billion yen, mainly from its top shareholders NEC, Hitachi and Mitsubishi Electric, the Nikkei said.
The company wants to sell its major factory in Yamagata to Taiwan Semiconductor Manufacturing Company (TSMC), the Nikkei said.
The plant, with 1,400 workers, produces semiconductors used in televisions and other digital gadgets. But low domestic demand has forced the company to reduce operations at the factory, the Nikkei said.
In a short statement, Renesas distanced itself from the reports, saying no formal decision had yet been made.
The scope of the newly reported plan is significantly higher than what was reported Tuesday by the Yomiuri Shimbun, which reported 6,000 job cuts and 50 billion yen in fresh capital.
Japanese electronics makers -- from parts makers to producers of the finished products -- have long struggled with the chronically stagnant Japanese economy and a high yen weighing on their earnings.
(Follow timesofoman.com on Facebook and on Twitter for updates that you can share with your friends.)
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(ARA) ? As Americans? appetites for new gadgets grow, so do our waste lines. But what if your iPad or smartphone or even your gaming system could help you get in shape and stay there? While your smartphone can?t double as a dumbbell, all that technology you?re lugging around actually can help get and keep you fit.
If you?re always on the go, start measuring just how far you are going with a pedometer application for your smartphone. And kick it up a notch with one that will post your results to your Facebook page. ?Not only does it track you, but it let?s all your friends know if you?re slacking,? says Shannan Wheaton, academic director for Graphic Design and Web Design & Interactive Media at The Art Institute of Ohio ? Cincinnati. You can take your workout to the next level with race training apps that will help to pace you, maximize your potential and get you ready for your first 5K or fifth marathon.
If you?re always eating out or want to know just how much of a caloric punch that a gallon of ice cream really packs, there are plenty of apps that will help you count your calories. You can choose from thousands of restaurant menus stored on the app or choose your favorite supermarket foods. The apps will even help you calculate how many calories per day you should consume based on your current height, weight and goals. Those apps also allow you to track the calories you burn during exercise and take that into account when giving you a daily calorie allotment.
And if you can?t be bothered to type in your food selection, Ted Long, academic director of Web Design & Interactive Media, Digital Filmmaking & Video Production and Visual Effects & Motion Graphics at The Illinois Institute of Art ? Schaumburg has a solution. ?Mealsnap lets you take a picture of the food you?re about to consume and gives you the calorie count by comparing your image to the images it has stored in its database,? he says.
Once you get home and start charging your phone, you may want to unwind with your Xbox, Wii or Playstation. Good thing all three systems have interactive workouts that could have you doing crunches, boxing against a virtual opponent or dancing the pounds off. ?Any activity you can do outside, like cross country skiing or baseball, you can do with these gaming systems,? says Li Harmon academic director of Game Art & Design, Media Arts & Animation and Visual Effects & Motion Graphics at The Art Institute of Las Vegas. Harmon adds that some of these games even make you feel guilty if you haven?t done your virtual workout in a while.
If you?re always heading out of town on business and don?t want to sweat it out at the hotel gym, take your virtual yoga instructor with you. Long says there?s a yoga app that comes with HD video so you can see each of your instructor?s positions more clearly.
Wheaton says there?s more of that kind of workout coming in the future. ?We?re heading toward a video world and we?re going to see more virtual personal trainers in the future.?
Just how effective will all these technologies be in the long run? Wheaton, Long and Harmon all agree, that just like a gym membership, you have to use it to get results.
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Graduates endure strong winds Friday during The University of Colorado Anschutz Medical Campus commencement. More than 500 received diplomas in medicine, pharmaceuticals, nursing and dentistry. (RJ Sangosti, The Denver Post)
Becky Burk had to introduce herself twice Friday morning. "I'm Becky Burk," she said, smiling. "Actually, it's Dr. Becky Burk."
Burk was one of more than 500 University of Colorado health professionals to receive their diplomas Friday at the University of Colorado Anschutz Medical Campus.
Graduates and faculty were forced to hold onto their hats and tassels as gusty winds blew through the Boettcher Commons. But the blustery morning did not stop the sun from shining on the smiling faces of doctors, dentists and nurses eager to take the next step.
This class was the first to spend all four years at the Aurora campus.
University of Colorado president Bruce Benson wished graduates good luck before each school was recognized.
"Stay focused on what is important, and finish what you start," Benson said. "People want leaders. So if you see a void, fill it."
Elated parents, family members and friends smiled as they watched the graduates stand up for recognition.
The Class of 2012 included 141 students from the School of Medicine, 176 students from the Skaggs School of Pharmacy and Pharmaceutical Science, 156 students from the College of Nursing and 67 students from the School of Dental Medicine.
Each school recognized each graduate during smaller ceremonies later Friday morning.
After the large ceremony, graduates walked to their families, where they were welcomed with hugs, smiles and plenty of waiting cameras.
Burk joined her family near the back of the commons.
There, she hugged her parents and posed for a photo with her new husband. The two got married three weeks ago. They leave today for their honeymoon in Germany and France.
Burk, originally from Philadelphia, will continue on with her internship and residency at the University of Colorado Hospital.
"It's exciting," Burk said. "I'm excited to move on and take those next steps."
Jordan Steffen: 303-954-1794 or jsteffen@denverpost.com
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Your child is your most valuable treasure. Every children are born unique, with their own potentials and characters, having no equal that could never be compared to each other. You might then wonder, How does your parenting style? Will it work with your child? How will your child end up in the future? Read this poem to consider on something to think about your parenting style!
The needs of each child is not the same, because the children's needs are different, and every family also has different parenting style. That's why, parent's response to each child is also different. There's a possibility that other families parenting style could be applied to yours. It's all yours to decide whether you use it or not.
Although nowadays it's hard to parenting your child with so many bad influences around your neighbourhood. The basic of child main education is started from the family itself.
Pictures of this!
A year old to 7 years old child's mind is like a glass of water. A bad education or influence is like a spoonful of tea water. See what's the colour of the glass if it filled with water and, let's say, 4 spoonful of tea water! Another glass of water will purify, by dropping it into the 1st glass of water, that already mixed with tea water.
If I would say that, 4 spoonful of tea water is bad educations in a day, and the 2nd glass of water that purified the 1st one, is good educations in a year. How can we purify our child's mind then, if we can't give good educations everyday in a year, with bad educations, side by side filled him everyday too!!
In a talk show with Donna Agnesia, Indonesian famous presenter, titled Child Growth at Golden Age
, Donna shared her experiences caring for her three children, Lionel (5), Diego (3), and Sabrina (1), started with characters building, tips on dividing attentions to all her children, to the concept of children's education.
You may consider the parenting style of Donna and her husband, Darius Sinathrya, Indonesian actor and also TV Show presenter. Donna and Darius are Indonesian famous celebrity couple who love to share their successful marriage and family tips. Below are their tips of parenting guides, in which might suitable to be applied for your child at home.
Become Friends
With her husband, Donna admitted that everyday, she prefered to communicate with her children as a friend. So that the children are to be more open and free to express. We don't talk to our children like a child with his parent, but talked like a child with his friend, by using more simple language. As much as possible to reduce using the word don't, although sometimes it difficult to find the other words instead. If the word don't be said too often, children will become lazy to talk to their parents. Just like when the time we often had prohibited by our parents, then finally we were more open to talk to our friends rather than to our parents,
she said.
Just like communicating with friends, when children make mistakes, you can ask him to talk,
advice Donna. Instead of being angry with him, better if given obvious reasons when you warned your child about particular mistake. Children are now critical, they will ask back to you. Why did you forbid him? They want to know what was the reason,
she said.
Be More CreativeParents should not be less intelligent and creative with their children,
said Donna. Before bed, Lionel always asked her to tell a story. If there was no book, Darius or myself make our own story,
added Donna.
You should not always buy expensive toys for your children. You can create a toy yourself from what's available at home. If you can, it doesn't matter anymore, but no need to force yourself to buy expensive toys according to child's age or development. If you have to purchase it, there's a period of time that make your children not always able to play with their toys. What is important that the parents should be more creative,
she said.
Family Education
Basic education is within the family itself. Although the child schooled from an early age, family is still be a source of learning indeed. Even so, she was admitted that children in early childhood education is also needed, such as preschool. However, parents have to make sure that they have a clear goal, when register their children to a preschool.
I had to send my children to preschool from the age of two, the goal is more to help him socialize, know with others and learn to share, so that he do not grow into a selfish person,
said Donna.
Equal Affection
If the number of children increases, parents need to give love equally. How? Give attention according to the children's needs. At every level age, children have different needs. This is why a different form of attention between the 1st children, 2nd, and so on.
My second child is more demanding, more spoiled. How to handle him is different from my first child. Parent should not be burden with these differences of parenting style. All you need to do is to learn how you can give love emphatically. Just like when we were kids, what were make us happy to be treated like by our parents,
she said.
To ensure the children are met their need for affection, it takes a good synergy. According to Donna, when she concentrated on one of her children, her husband played with the others. As much as possible avoid the child of being ignored, and always involve the older brother while you're playing with the younger brother, or vice versa,
explains Donna. Parenting is not just a mother's duty, but also need a support from the father, so that children feel loves completely, and didn't feel of treating differently,
she added.
Decisive Figure
In the family, a decisive figure is needed for children education. Father is playing important role here, because usually kids are more closer to the mother, so that the father emerged as a respected figure. Children should have a figure that respected but not feared. In my family, My children respected their father,
said Donna. By applying her parenting style, Donna hopes that her children will idolize their father, just like she idolized her parent.
References :
Gaya "Parenting" ala Donna Agnesia
http://www.kompas.com/news/read/2012/04/13/21333094/Gaya.Parenting.ala.Donna
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Posted on 26. May, 2012 by admin in General
Article by Buchwald Corin
Benefit Of Debt Consolidation And Debt Consolidation Loan Loans ? The Way To Deal With Credit-based Card Debts ? Finance
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Online admittance to the internet is making debt consolidation loan much easier. The quality of bad debt loan to always be drawn can finest be known through this. If a person filed a complaint along with a government agency, the business will certainly act swiftly and cooperate while using agency to correct all issues fast. Eliminate every repeat billings that happen to be not strictly crucial, such as who gym membership, those magazine dues or your cable tv service with 500 pipes and nothing regarding! Once creditors realize that they?re talking to a specialist, someone who knows the regulations, they quickly shift their tune. They analyze the budget of the customers, prepare and coordinate their budget in a fashion that it becomes simpler so as to pay the lending products.
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Stop billing: if you have to get out of debit card, you cannot keep going charging more regarding those cards. And around Biblical times, people who were with big debts might sell ourselves into slavery to help appease a financial institution. There?s you should not maintain several debit card accounts for emergencies any time you already have profit the bank for such an function. Debts who were once small could grow exponentially and also destroy people?s finance lives. All of us work directly together with 100% with keeping it under consideration to serve you actually.
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SittingAround, the new service that allows parents to quickly and easily find and schedule a babysitter online, is now getting their sitters clients equipped with Square credit card readers. CEO Erica Zidel tells us that, starting now, all sitters are being offered a free Square dongle as a part of the signup process on the website, and can then indicate whether or not they accept credit cards in their online profile. Parents, meanwhile, can now search and hire sitters based on the payment method they accept.watergate mlb ufc pregnant man outside lands 2012 lineup beloved ufc results
MANZANILLO, Mexico?? Hurricane Bud lost some strength as it moved closer to Mexico's Pacific Coast and was forecast to hit land south of the popular tourist town of Puerto Vallarta Friday night, the U.S. National Hurricane Center said.
Bud weakened overnight from a powerful Category 3 storm, but it's dangerous as a Category 2 with 110 mph winds. And it's expected to dump heavy rains in several states in western Mexico, threatening floods and landslides.
The government of Jalisco state prepared hundreds of cots and dozens of heavy vehicles like bulldozers that could be needed to move debris.
Officials in Puerto Vallarta said they were in close contact with managers of the hundreds of hotels in the city in case tourists needed to move to eight emergency shelters. It said the sea along the city's famous beachfront was calm, but swimming had been temporarily banned as a precaution.
At Mexico's largest Pacific port of Manzanillo, skies were overcast and rainy before the forecast landfall.
The hurricane is the Pacific's first of the 2012 season.
"Hurricane conditions are expected to reach the coast within the hurricane warning area this afternoon," the center said in an advisory.
Story: US: 4-8 Atlantic hurricanes expected this seasonLocated about 105 miles southwest of Manzanillo, the hurricane was moving north-northeast at around 8 mph and Mexico's government issued a hurricane watch along the coast from Punta San Telmo to Cabo Corrientes.
Bud is expected to soak the states of Michoacan, Colima and Jalisco and southern Nayarit with around 6 to 8 inches of rain.
In some places, the storm could dump as much as 15 inches of rain.
"These rainfall amounts could produce life-threatening flash floods and mudslides," the center said. "Preparations to protect life and property should be rushed to completion."
Most of Mexico's oil platforms and exporting ports are in the Gulf of Mexico and affected by storms in the Atlantic, where forecasters are expecting a "near normal" hurricane season this year with up to 15 tropical storms and four to eight hurricanes.
Reuters and The Associated Press contributed to this report.
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May 23, 2012 11:21AM
South Africa Churches Protest Building Moratorium
Cape Town congregations face shortage of worship buildings.
Morgan Feddes
Pastors in Cape Town, South Africa, want the city to take a second look at a moratorium on building new churches that both parties signed two years ago.
The moratorium ended a crackdown on churches illegally built on city land; city administrators agreed to stop demolishing illegal churches as long as no more churches were built without approval.
But now the Western Cape Christian Ministers Forum (WCCMF) alleges that many of the 2,000 churches it represents are using houses for church services because the city is not providing land agreements for new churches in a timely manner, The West Cape News reported.
?There is land available,? WCCMF coordinator Derrick Mtsolo told the newspaper. ?[But] the city takes too long to give the land to our churches.?
However, the City of Cape Town Property Management Directorate says it has worked regularly with the WCCMF to identify viable sites for church structures.
Posted by Morgan Feddes on May 23, 2012 11:21AM
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Posted on 25 May 2012.
Talk of the Sound wrote this article where they clarified that the Mayor of New Rochelle was not planning after all to attend the Agenda 21 Rio+20 conference. They had reported (certainly accurately) that Mayor Bramson was attending.? Apparently he changed his mind:
While it is our conclusion that a correction is not in order, we do want to make a clarification and we offer it here: Mayor Noam Bramson has stated that he was not aware of any such conference, never intended to go and never said publicly or privately that he planned to attend.
I think activists in New Rochelle and other cities, counties and towns need to ask their municipal leaders:? Are anyone going to attend Rio+20 on behalf of our community?? Regardless of the answer, ask them to defund the travel budget for this event.? There?s other needs in the community to fulfill:? Schools, roads, traffic lights etc.? It?s unconstitutional for a local official to attend anyway.? Starve the beast!
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Smoke rises from a Portsmouth Naval Shipyard dry dock as fire crews respond Wednesday, May 23, 2012 to a fire on the USS Miami SSN 755 submarine at the Portsmouth Naval Shipyard on an island in Kittery, N.H. Four people were injured. (AP Photo/The Herald, Ionna Raptis)
Smoke rises from a Portsmouth Naval Shipyard dry dock as fire crews respond Wednesday, May 23, 2012 to a fire on the USS Miami SSN 755 submarine at the Portsmouth Naval Shipyard on an island in Kittery, N.H. Four people were injured. (AP Photo/The Herald, Ionna Raptis)
In this April 26, 2004 photo provided by the U.S. Navy, the USS Miami SSN 755, homeported in Groton, Conn. arrives in port in Fort Lauderdale, Fla. A fire aboard the nuclear-powered submarine on Wednesday, May 23, 2012 at the Portsmouth Naval Shipyard in Kittery, Maine injured four people. (AP Photo/U.S. Navy, PH2 Kevin Langford)
KITTERY, Maine (AP) ? Investigators have begun their damage assessment and investigation following a fire aboard a billion-dollar nuclear-powered submarine being overhauled at Maine's Portsmouth Naval Shipyard in a dry dock.
A shipyard spokeswoman says the USS Miami was ventilated to remove smoke Friday and people were allowed into the fire-damaged forward compartments.
U.S. Sens. Susan Collins of Maine and Jeanne Shaheen of New Hampshire say the Navy has dispatched three investigative teams to the Kittery shipyard.
The fire started Wednesday night. It damaged several rooms, including the command and control center, but spared the sub's nuclear propulsion.
It's not yet clear whether the sub can be salvaged or what caused the blaze.
The USS Miami cost about $900 million when it was built. The newest attack subs are about $2.6 billion.
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