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Posted Monday, January 25, 2010
Students who borrow to pay for college owe an average of $23,000 by time they pick up their diplomas. But financial aid pros say strategic planning can keep a college dream from turning into a debt nightmare. Monday morning at 9, Plain Dealer consumer affairs columnist Sheryl Harris hosts a conversation with college financial aid experts about exactly how to land aid and save money on tuition.
Please follow our community discussion rules when composing your comments.
My son is currently living with his dad in NC - graduating in June. He will be moving back to Cleveland to live with me and my husband shortly after graduating, and attending Tri-C in the fall.
Your guest said that the parent who the child has been living with needs to put their information on the FAFSA app, but his father won't fill it out because he believes his income is too high and they will not get any aid.
I know that we will be paying out-of-state tuition for the first year, and his father's income is definitely higher, so I am wondering if it makes sense to wait until after he is living with us for a year before filling out the FAFSA, in order to use our income.
Our child will be a freshman in the fall. Tuition, room and board will be about $36,000 per year. She has been given a generous merit scholarship by the university which will cover about 1/2 of her tuition, decreasing our cost by about $13,500 per year. We have about $18,000 saved in our child's name. We have filled out the FAFSA and because of our income (not our savings or assets) and we are not eligible for any need based aid. Should we use the $18,000 in our child's name the first year so that it does not need to be put on the FAFSA as an asset next year? or not use that money the first year as it is in mutual funds which may earn money over the year.
Your son's father is the person who should fill ot the FAFSA for this year, since he lived with him more. Next year you can you can fill it out if your son is living with you.
You should try to exlplain to his father that he should fill out the FAFSA. If your son needs to borrow student loans the FAFSA must be completed and you can tell your son's father that he will not be responsible for those loans taken out in your son's name.
I hope this helps,
Bob Durham
Manager of Financial Aid
Cleveland Scholarship Programs
The decision to use mutual funds or cash to pay for tuition is tricky. If you have the cash on hand to pay the schools fees that could be benficial since the mutual funds could gain interest. Only a small portion of the assets of a parent are counted in the FAFSA calculation so the interest earned could be more valuable.
There is the danger of the mutual funds losing value which must be considered. You should talk to a financial advisor and look at possibly moving those funds into a 529 Plan so you can take advantage of the tax incentives of those programs.
I listened to the podcast, and it sounds like you do a lot to help families. But I have to take issue with you about the perceived benefit/value of using 529 plans for college savings. I work with many parents who have been advised to put money into 529s, and the actual tax benefit is often minimal compared to what the 529s can cost in financial aid. What the 529 programs fail to mention, is that FAFSA and PROFILES will count ALL 529 plans owned by the parents - including those set up for younger siblings. At a 5.65% asset assessment, the lost need-based aid eligibility is often much more than what they may save in Federal and and State tax benefits. Of course, the FED tax breaks are only on the gains, which is often misunderstood by parents - especially with values being reduced due to low market performance for bonds and stocks. No gains - no tax benefit - however, the asset will still be assessed, even though the values may be reduced.
I believe that saving is always important when it comes to paying for college. While having assets could affect the amount of need based aid you may receive, often that need based aid is in the form of loans and often the savings has no affect on the aid received. I believe that gambling on the idea that you will receive more need based aid than the amount of money you could have saved is a dangerous way to plan for college costs. Like Mr. Kantrowitz from www.finaid.org states on his website "It is always cheaper to save now than to borrow later".
Here is a nice write up by Mr. Kantrowitz on the myths of saving for college.
If your bigger concern is the downside of 529 Plans please share alternatives for saving that you would recommend.
Thank you,
Bob Durham
Manager of Financial Aid
Cleveland Scholarship Programs
I agree that saving is still necessary - and using private alternative loans should be avoided, due to high costs and interest rates. Alternatives to 529 plans could include several options - but they should allow for liquidity and flexibility. Roth IRAs also work well, since parents can pull out their cost basis anytime with no tax consequences. I've also seen properly structured life insurance products work well for savings purposes - IF they are properly structured to allow for liquidity and low cost. There are others, but the general idea should be to save $$ within the FAFSA rules without having the savings reduce your financial aid offers from schools. Personally, if a school is offering my student mostly loans and little gift aid, then I think it's a good reason to look at another school. Free websites like collegeboard.org also do a pretty good job of identifying the average (historical) aid awards from most schools in the country. Better to try to match the school to our budget than match our budget to the school.
Thanks for the discussion.
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The Indira Gandhi Cultural Centre, Dhaka, celebrated its fourth anniversary with the staging of Tagore's comedy "Sheshrokkha" by theatre troupe Natyajan at the Main Auditorium of the Bangladesh National Museum on March 14.
Sandeep Chakravorty, Deputy High Commissioner, High Commission of India, Dhaka and Aly Zaker, distinguished cultural activist of Bangladesh graced the occasion with their presence.
The play "Sheshrokkha" -- that literally means "Happy Ending" is a romantic comedy about three friends Chandrakanta, Binod and Gadai who, in a comedy of errors, face a series of confusing situations emanating from mistaken identities. The entertaining play ended with a collective relief for all the protagonists. Theatre troupe Natyajan, founded in 1997, regularly stages plays in Dhaka and all around Bangladesh. Natyajan also collaborates with Kolkata-based drama groups such as Gandhar, Sanglap and Lokokristi.
The Indira Gandhi Cultural Centre in Dhaka, since its inception on March 11, 2010, has since become a hub for multifarious cultural activities ranging from presentation of music of different genres and dance forms, to plays to poetry reading to art exhibitions to film retrospectives, to name just a few.

subset: commoncrawl


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Kid 606 (USA) & Drop The Lime (USA) at the Espy
Tue 24th Oct, 2006 News
inThe Espy has today announced two shows for Kid 606 and Drop the Lime on Wednesday 25th and Thursday 26th October. Both shows will be free entry, not a bad deal for midweek IDM madness.
Kid606 originaly fom Venezuela, raised in San Diego and later moved to San Francisco. Kid606's music is similar to the work of his friend and colleague Lesser, as well as hardcore and IDM acts such as Atari Teenage Riot, Autechre, Pan Sonic, and Matmos. It should be noted, however, that he is primarily inspired not by his electronic contemporaries, but by his love of the Industrial music, Death metal, and Industrial metal of the 1980s and 90s, particularly bands like Godflesh and Napalm Death. His music is known for its high tempo breakbeats and liberal use of noise and sampling, as well as its punk aesthetic, uninhibited genre-mixing, and irreverent sense of humor. However, he is equally adept at creating more serious tracks that often reside in the realm of ambient and glitch.
Born and raised in New York City, Drop The Lime is (Luca Venezia), an electronic music producer. Venezia grew up in New York City's underground rave scene, drawn to the high energy of Jungle and Drum & Bass. He began performing under the alias Drop The Lime in 2003, exploding into the punk electronic scene known as Breakcore, gaining an underground audience. Drop The Lime has released numerous international singles and EP's on labels such as Ambush, Peace Off, Broklyn Beats, Mirex, and Tigerbeat6. From Breakcore's hyper-kinetic beats and DJ'ing heavy bass music from Grime to Baltimore Club and 4×4, DTL took a floor shattering step into a club massive sound.


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Please call us at 1-800-906-4225 with any questions regarding care.


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Posted: Feb 7, 2014 7:50 PM by Michael Marsh
Updated: Feb 7, 2014 7:50 PM
Source: Associated Press
ERIE, PENNSYLVANIA- A man was ordered to stand trial for attacking a dentist with a tire iron because the doctor wouldn't pull a tooth.
Philip Kienholz is charged with assault and remains in jail since he can't post his $25,000 bond.
Police say Kienholz was angry at the dentist and cornered him in a room with another patient.
They say he hit the dentist on the wrist with the tire iron and ran away.
The dentist prescribed antibiotics instead of pulling the tooth.


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Buerger's Disease
National Organization for Rare Disorders, Inc.
It is possible that the main title of the report Buerger's Disease is not the name you expected. Please check the synonyms listing to find the alternate name(s) and disorder subdivision(s) covered by this report.
- Inflammatory Occlusive Peripheral Vascular Disease
- Occlusive Peripheral Vascular Disease
- Thromboangiitis Obliterans
General Discussion
Buerger's disease, also known as thromboangiitis obliterans, is a rare disorder that, in most cases, affects young or middle-aged male cigarette smokers. It is characterized by narrowing or blockage (occlusion) of the veins and arteries of the extremities, resulting in reduced blood flow to these areas (peripheral vascular disease). The legs are affected more often than the arms. In most cases, the first symptom is extreme pain of the lower arms and legs while at rest. Affected individuals may also experience cramping in the legs when they walk that, in rare cases, may cause limping (claudication). In addition, affected individuals may have sores (ulcers) on the extremities, numbness and tingling and a lack of normal blood flow to the fingers and/or toes when exposed to cold temperatures (Raynaud's phenomenon), and/or inflammation and clotting of certain veins (thrombophlebitis). In severe cases, individuals with Buerger's disease may exhibit tissue death (gangrene) of affected limbs. The exact cause of Buerger's disease is not known; however, most affected individuals are heavy tobacco users.
Vasculitis Foundation
P.O. Box 28660
Kansas City, MO 64188
Tel: (816)436-8211
Fax: (816)436-8211
Tel: (800)277-9474
Email: email@example.com
Internet: http://www.vasculitisfoundation.org
NIH/National Heart, Lung and Blood Institute Information Center
P.O. Box 30105
Bethesda, MD 20824-0105
Tel: (301)592-8573
Fax: (301)251-1223
Email: email@example.com
Genetic and Rare Diseases (GARD) Information Center
PO Box 8126
Gaithersburg, MD 20898-8126
Tel: (301)251-4925
Fax: (301)251-4911
Tel: (888)205-2311
Email: email@example.com
Internet: http://rarediseases.info.nih.gov/Default.aspx
For a Complete Report
For a Complete Report
This is an abstract of a report from the National Organization for Rare Disorders, Inc. ® (NORD). A copy of the complete report can be obtained for a small fee by visiting the NORD website. The complete report contains additional information including symptoms, causes, affected population, related disorders, standard and investigational treatments (if available), and references from medical literature. For a full-text version of this topic, see http://www.rarediseases.org/search/rdblist.html


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A vibration or shutter may be noted on acceleration. If the transmission torque converter is suspected a revised part is available to correct this concern.
Problems for specific Subaru Legacy years:
Car problem reports
Report A Problem
Problem with your car? See what our experts say or submit your own.


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The Canadian province of Manitoba is considering requiring pharmacists to disclose their dispensing fees.
Inside This Issue - News
WINNIPEG, Manitoba – The Canadian province of Manitoba is considering requiring pharmacists to disclose their dispensing fees.
According to a report by CBC News, the provincial government's governing New Democratic Party (NDP) is facing pressure to help consumers shop around for the best price on prescription drugs.
A survey by Royal Bank last year found that residents of Manitoba pay the highest average dispensing fees in the country. The fees range from $4.50 to $13 (Canadian) per prescription. Delegates at a recent NDP policy convention passed a non-binding resolution calling for the government to protect consumers from "excessive fees and price gouging" by requiring pharmacies to display what they charge to fill prescriptions.
The resolution also urged the province to ban pharmacists from filling yearlong prescriptions in three-month increments — a practice that forces consumers to pay repeated dispensing fees — unless there is a medical reason to do so.
Consumer Protection Minister Ron Lemieux has been asked to look into how to make dispensing fees more transparent to consumers, according to a ministerial spokeswoman. Currently no other province requires pharmacies to advertise their dispensing fees. But the bylaws of the College of Ontario Pharmacists call for pharmacists to post their fees and break out the fee if they advertise drug costs, the spokeswoman told CBC News.
Ronald Guse, the registrar of the College of Pharmacists of Manitoba, told CBC News that the college has not been consulted by the government on this issue and added that there are already regulations governing how a pharmacy can advertise its fees and requiring a pharmacy to disclose the fees if asked by a patient.
"We're not opposed to it; we just want to know more what they have in mind and what they're trying to accomplish," Guse said. "If it is to inform the public, we want to make sure the information the public is getting is helpful for them."


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Documentation |
Complement image
IM2 = imcomplement(IM)
gpuarrayIM2 = imcomplement(gpuarrayIM)
IM2 = imcomplement(IM) computes the complement of the image IM. IM can be a binary, grayscale, or RGB image. IM2 has the same class and size as IM.
In the complement of a binary image, zeros become ones and ones become zeros; black and white are reversed. In the complement of an intensity or RGB image, each pixel value is subtracted from the maximum pixel value supported by the class (or 1.0 for double-precision images) and the difference is used as the pixel value in the output image. In the output image, dark areas become lighter and light areas become darker.
gpuarrayIM2 = imcomplement(gpuarrayIM) computes the complement of the image on a GPU. The input image gpuarrayIM and the return values are gpuArrays. gpuarrayIM2 is a gpuArray with the same underlying class and size as gpuarrayIM. This syntax requires the Parallel Computing Toolbox™.
imcomplement supports the generation of efficient, production-quality C/C++ code from MATLAB. When generating code, imcomplement does not support int64 and uint64 data types. To see the complete list of toolbox functions that support code generation, see List of Supported Functions with Usage Notes.
X = uint8([ 255 10 75; 44 225 100]); X2 = imcomplement(X) X2 = 0 245 180 211 30 155
bw = imread('text.png'); bw2 = imcomplement(bw); subplot(1,2,1),imshow(bw) subplot(1,2,2),imshow(bw2)
I = imread('glass.png'); J = imcomplement(I); imshow(I), figure, imshow(J)
I = gpuArray(imread('glass.png')); J = imcomplement(I); figure, imshow(I), figure, imshow(J)
imabsdiff | imadd | imdivide | imlincomb | immultiply | imsubtract


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NFL Week 14: Picks Against The Spread
Look out for trap games and tough lines in this week's NFL point spreads. Here's who to pick, and why you should pick 'em. Read More
NFL Week 14 Picks, Predictions
Here are the picks and score predictions for each Week 14 game. Read More
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Seahawks vs. 49ers Score Prediction
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NFL Week 12 Picks, Score Predictions
Find out who will win this weekend in Week 12 of the NFL season. Read More
Predicting The Final Score Of 49ers vs. Giants
When the San Francisco 49ers and New York Giants meet this Sunday, the 49ers will look to continue their playoff push while the Giants hope to snap a losing skid. Read More
Predicting Each NFL Week 11 Game vs. the Spread
Here are the NFL Week 11 picks for every game against the spread. Read More
NFL Week 11 Picks and Score Predictions
Picks and predictions for Week 11 of the NFL season. Find out who will win the clash between Brady and Luck, the battle between the Lions and Cardinals and all 13 NFL games. Read More
2014 NFL Picks: Week 11 Edition
Check out our picks for Week 11 of NFL action. Read More
NFL Picks, Score Predictions For Week 10
Picks and predictions for Week 10 of the NFL season include the resurrection of Mark Sanchez and another beatdown for the Bears. Read More


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Top Shops: Small-Town Feeling
XQZT Floral Design capitalizes on service
Written by
Amanda Ryder
When customers of XQZT Floral Design in Tillsonburg, Ont., come into the shop to order flowers, they know the shop's owner, Mandy Babbey, will exceed their floral expectations and take the time to get to know them. It's the kind of service you expect to find at a small-town business, but the design and style you'd expect to find in an urban area.
XQZT Floral Design owner Mandy Babbey (middle) with co-owner Judy Babbey, right and Mandy's cousin and staff member Starr Babbey, left.
Babbey, along with her mom Judy Babbey, are the owners of XQZT (Exquisite) Floral Design, a shop that's been in operation for three years in Tillsonburg, Ont., less than an hour south of London. Although relatively new to the retail world, Mandy Babbey brings to her shop a background of floral design and business talent and an outgoing personality her customers love.
At a Glance
Company name:
XQZT Floral Design
Tillsonburg, Ont.
Mandy and Judy Babbey
Years in business:
Facility Space:
2,100 square feet
The owners made the decision to open their own storefront when the town's largest florist, Newman's Flowers, closed its doors after 83 years of business. Babbey actually began her career at Newman's and always dreamed of running her own shop in that location. Although the timing wasn't quite right (yet) to set up shop in that location, Babbey took up a retail space in the town's core to establish her business and get her name out to the community.
Measuring just 1,200 square feet, XQZT Floral Design's first location was not without its challenges. Due to the shop's small size, Babbey had to outfit the retail space with custom-fit coolers and, when large wedding or funeral orders came in, it was hard to find room for all of the product. But the shop's access to extra parking spaces and walk-in traffic allowed XQZT to build a solid base of customers who came to depend on Babbey for their floral needs.
In early 2011, just two years after opening the downtown location, an opportunity came up that Babbey couldn't turn down. Matthew Fenn, an owner at one of the florist's suppliers, was interested in starting up a garden centre at the Newman Flower's location and approached Babbey about partnering with him. Given Newman's vast property space, the deal would allow Fenn to establish his garden centre, Tillsonburg Garden Gate, in the already existing greenhouses and give Babbey the retail shop, which she would dedicate to cut flowers. She accepted and in a matter of a few months, Babbey was back at the place where she was first inspired by flowers.
Now, one year later, business is blooming in the family-run shop. Along with her mom Judy, Babbey's staff of four includes her dad Bill Babbey and her cousins Starr Babbey and Joyce Goldner. When busy occasions hit, no family member is safe, as Babbey says they often call on other available relatives for help when it's needed.
In terms of the shop's style, Babbey gravitates towards modern and on-trend floral designs but says she has to adapt to what her clientele is looking for. "When I started out we were very contemporary but in Tillsonburg, a big retirement town, you have to offer both the traditional and the contemporary. There's a fine line between the older crowd and the younger crowd," she says. She does, however, work with her customers to encourage them to try something new. "A lot of times when they come in we educate them and say, you know what, baby's breath is great but why not try something like waxflower instead?" By doing this, her customers learn that there are alternatives that they can request the next time they come in.
XQZT Floral Design gravitates towards modern and on-trend floral designs adapting to what its clientele wants.
Weddings and funerals make up the majority of the business at XQZT Floral Design. "It's 50/50 – if we have a wedding, we have a funeral, it always works out that way," says Babbey. Her wedding clientele expands each year, thanks to new business in surrounding counties and referrals. It's not hard to see why brides recommend the florist to friends and family – for every wedding, the florist offers a day-of service that allows them to take care of every last detail, even going so far as to help fan out the bride's dress before she walks down the aisle, if need be. On the big day, XQZT's staff drops the flowers off to the bride and groom, they set up at the ceremony and reception hall, they move flowers between service and reception, and they come back later that night to gather up any rentals or remaining décor. Babbey tries to have a hand in each bridal bouquet and strives to make an appearance at every single wedding. The florist says consistently positive feedback makes all the extra work with it. "A lot of our moms come in and say, 'thank goodness you were there because then I didn't have to do all that stuff,'" says Babbey.
That same personalized touch also applies to the shop's funeral work. Babbey has worked to establish contacts with local funeral homes that recommend her to clients who want a custom-made arrangement. The shop works hard to create a design that really reflects the life of the loved one. "We've done running shoes, we've done wine bottles, we've even done ducks! We've done a lot of things and I think that gets people talking."
When it comes to promoting the shop, XQZT Floral Design uses several methods to get the word out. They've experimented with traditional newspaper advertising but they've seen the most success from more creative avenues. Each year, a few months before prom, Babbey works with various schools in the surrounding area to create a prom fundraiser. "We provide them with an actual catalogue of corsages and boutonnières and then money goes back to the school. It works out really well because the schools raise a nice amount of money. It's hard to raise money, so this works as motivation for them." The florist donates 10 per cent of whatever the students purchase from her back to the school. In turn, the school can take that as cash or put the money into floral décor for prom. This promotion helps establish a relationship with the school and it also encourages the students to be creative with their prom flowers. "They may not see the exact corsage in the book, but we can make it to match the dress. It's a great way to get exposure too. It's funny, those kids come back next Mother's Day. You see them come in and they remember you."
Babbey also holds design classes at specific times of the year and says that her classes continue to grow in size. Attendees pay a fee and have access to the products and tools, but they don't have to create one specific product. "We allow you to make things that are custom-made for your house. We're going to give you the base idea of what you're doing and we're going to show you how to do it and help you but you have to come up with the creative side of it so it matches with you décor," she says.
When asked what challenges she's faced since opening her shop, Babbey cites the town's healthy competition as the biggest test. Around the same time she started XQZT Floral Design, several other shops opened in the Tillsonburg area, quickly filling the initial flower shop void. "How we overcame it was just to put ourselves out there – you have to put yourself out there in order to get people to come to you." They took part in home and rec shows, they reached out to corporate customers and they got involved in charity events. They also focused on providing distinctive service and designs in each market they served.
In just three years of operation, Babbey says, this extra effort has been the key factor to help set XQZT Floral Design apart from the rest. "Unique designs, products that are different and personal service. A lot of people come in here for that personal one-on-one and we're happy to deliver it."
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Sacramento Kings guard Tyreke Evans has had a good rookie season. He will apparently receive the Rookie of the Year award, according to sources of the Sacramento Bee.
Evans finished off the season with an average of 20.1 points, 5.3 rebounds, and 5.8 assists per game, making him the fourth rookie in league history after Oscar Robertson, Michael Jordan, and the Cleveland Cavaliers' LeBron James to average at least 20 points, five rebounds, and five assists. Not too of a group to be included into.
You can be sure the other two guys in the hunt for the award, the Golden State Warriors' Sephen Curry and the Milwaukee Bucks' Brandon Edwards, are bumming right about now after stellar seasons.


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Ask an Eye M.D. Answer Archive
Please read our important medical disclaimer.
There is something that appears to look like a tear in my eye near my pupil. If it is a tear what can be done?
The appearance of the pupil is governed by the shape of the iris. The iris can be damaged congenitally, from external trauma, or from intraocular surgery such as a cataract operation. Often, a torn or abnormally shaped iris will not cause any symptoms. However, since the main function of the iris is to regulate the amount of light reaching the retina by constricting in bright environments, in severe cases of iris damage patients may develop light sensitivity. In these situations, the iris can be repaired in a surgical procedure called a pupilloplasty if there is enough iris tissue remaining. Another option to regulate the amount of light entering the eye is wearing a colored contact lens.
Iritis is another condition that can cause distortion of the iris, resembling a tear. In iritis, inflammation in the eye can cause adherence of the iris to the lens. If the patient becomes light sensitive, the adhesions can be released with dilating drops or a surgical procedure called a synechiolysis.
Answered by: Omar R. Chaudhary, MD
Categories: Eye Conditions
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Answered: Jul 01, 2013
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Three-dimensional retinal and choroidal capillary imaging by power Doppler optical coherence angiography with adaptive optics |
Optics Express, Vol. 20, Issue 20, pp. 22796-22812 (2012)
Enhanced HTML Acrobat PDF (4333 KB)
Retinal and choroidal vascular imaging is a key to the better understanding and diagnosis of eye diseases. To achieve comprehensive three-dimensional capillary imaging, we used an enhanced vascular imaging technique, so called adaptive optics optical coherence angiography (AO-OCA). AO-OCA enables in vivo high-resolution and high-contrast micro-vascular imaging by detecting Doppler frequency shifts. Using this technique, the retinal and choroidal vasculatures of healthy subjects were imaged. The results show that both intensity and Doppler power images have sufficient contrast to discriminate almost all vasculatures from the static tissue. However, the choriocapillaris, pre-arterioles, and post-venules in the Sattler layer were more contrasted by the Doppler technique. In conclusion, AO-OCA enables three-dimensional capillary imaging, and is especially useful for the detection of the choriocapillaris and choroidal capillary network.
OCIS Codes
(170.3340) Medical optics and biotechnology : Laser Doppler velocimetry
(170.4470) Medical optics and biotechnology : Ophthalmology
(170.4500) Medical optics and biotechnology : Optical coherence tomography
(110.1080) Imaging systems : Active or adaptive optics
ToC Category:
Medical Optics and Biotechnology
Original Manuscript: July 5, 2012
Revised Manuscript: September 4, 2012
Manuscript Accepted: September 14, 2012
Published: September 20, 2012
Virtual Issues
Vol. 7, Iss. 11 Virtual Journal for Biomedical Optics
Kazuhiro Kurokawa, Kazuhiro Sasaki, Shuichi Makita, Young-Joo Hong, and Yoshiaki Yasuno, "Three-dimensional retinal and choroidal capillary imaging by power Doppler optical coherence angiography with adaptive optics," Opt. Express 20, 22796-22812 (2012)
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