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NYSFAAA Connection Web Letter Editor: Laura Worley, Citibank | Assistant Editor: Vince Scalise, College Loan Corporation | Winter 2006 PRESIDENT'S MESSAGE NYSFAAA Executive Council Judi Miladin, Cayuga Community College Judith Miladin, President NYSFAAA President Director of Financial Aid Before I became President of NYSFAAA, I had no idea Cayuga Community College how much work was involved – and how much goes on Phone: (315) 255-1743 behind the scenes, that the average member takes for Email: email@example.com granted. Even while serving on Exec Council prior to becoming President, I didn't really grasp the scope of David M Canaski, President-Elect all that NYSFAAA does. And we really do wonderful Director of Financial Aid things! While this job has been busier and more time SUNY Cortland consuming than I ever expected, it's also been one of the most enjoyable and rewarding experiences I have Phone: (607) 753-4717 ever had. I thought that once my first year was over Email: email@example.com things might slow down a bit. Well that hasn't happened – so there is a lot to report to you! Joan D Warren, 1st Vice President Associate Dean for Financial Aid/NYSFAAA A lot has been happening on the legislative front – Membership VP both federal and state. Juilliard School, The Phone: (212) 799-5000 Ext: 213 In December the Senate passed S 1932 that would raise loan limits for our students, but would also raise Email: email@example.com interest rates to a fixed 6.8%. The bill would enact the largest cuts ever to student aid programs. Due to Maria A Barlaam, 2nd Vice President Director of Financial Aid continued on page 2 Manhattanville College Phone: (914) 323-5376 Email: email@example.com INSIDE THIS ISSUE Carolyn R Corcoran, Secretary 1 President's Message Senior Financial Aid Advisor SUNY Plattsburgh 3 Members on the Move Phone: (518) 564-4078 Email: firstname.lastname@example.com 4 Region 8 Gives Back for the Holidays Samantha J Veeder, Treasurer 5 Tax Benefits for Higher Education Director of Financial Aid Hobart & William Smith College 6 Member Editorial: Happy Holidays?? Phone: (315) 781-3315 Email: email@example.com 7 Passage of Deficit Reduction Act . . . 8 Impact of Reconciliation 9 Remembering Laura Dominy 11 Budget 2006-07 Executive Proposals for TAP Your Regional Council Representatives are listed on page 3 12 Region 1 Gives Back for the Holidays 13 Handling Conflict Resolution 14 NYSFAAA's Position Paper – Budget 2006 NYSFAAA Connection Newsletter Page 1 Winter 2006 continued from page 1 "President's Message!" a technicality the bill must be voted on again by the Contracts were signed for Novice Training to move to House prior to becoming law – so we still have a very SUNY Cobleskill this spring. small ray of hope that these cuts may be avoided. By the time you read this, we should know the out-come We have two new state-wide Chairs. Kathy Flaherty of that February 1 vote. from SUNY Oswego has agreed to serve as Chair for the Awards Committee. Cindy Kohlman resigned that This year the good news is that the Governor has position after serving for several years – and doing a abandoned his proposal to withhold 1/3 of TAP until wonderful job. Thanks Cindy! graduation. But in its place he is proposing new regulations that would again hit disproportionately at Katrina DelGrosso has agreed to serve in the new disadvantaged students. This time the changes would capacity of Development Chair. hit most heavily at those students who may be poorly prepared for college: Maria Barlaam, our new Vice President for • those with GED's, Professional Development, is busy planning for Jim • those who enter through ATB, Briggs Tax Workshops throughout the state, as well as • those who require developmental Intermediate Training opportunities for the spring. courses to overcome deficits in their high school preparation for college, The Association has been dealing with several legal • those who must work to support issues including registering our Service Mark and themselves and/or their families and Trademark, attempts by another entity to use a name therefore find it impossible to take resembling ours on a website disseminating "financial 15 credits. aid information," and issues regarding "Unrelated While the Governor's proposals this year will Business Income (UBI)." The issue of UBI regulations primarily impact community colleges, we must all is important for us in maintaining our tax-exempt join forces to prevent the erosion of the TAP program status. and with it the erosion of economic opportunity for those citizens who need the help the most. Executive Council is continuing work on an up-date NYSFAAA's position paper will be posted soon to the and over-haul of our Policy and Procedures Manual. listserv to assist you in contacting your state legislators to urge defeat of the proposals. Committees have been hard at work with High School Counselor Workshops, Novice preparation, new Early Executive Council will be visiting the Legislature Awareness initiatives, Gear-up, a revamped presence January 31. We'll also be taking with us copies of the at the State Fair, Graduate and Professional NYSFAAA sponsored Legislative Gazette. Concerns….. The Government Relations committee will be doing Thanks to everyone who works so hard to make Legislative Training for State Legislators and their NYSFAAA the great organization that it is!!! Aides on February 1. Several members will be attending the Legislative Forum in Albany in February. Mark Your Calendars We are embarking on a joint project with HESC to implement a College Goal Sunday Project to reach for NYSFAAA's Novice students in high need areas for whom there is a technology gap in the financial aid application Training Workshop! process. Response to the call for volunteers for this project has been tremendous! We've been working on tying up loose ends from the June 2 - 9, 2006 Conference on Long Island. Planning for the up- coming Conference in November in Lake Placid is in high gear. And preliminary planning for our New York City conference is well underway. In addition, an ad On the SUNY hoc committee, chaired by Bruce Woolley, is developing minimum requirements for our conference Cobleskill Campus hotels. NYSFAAA Connection Newsletter Page 2 Winter 2006 continued from page 1 MEMBERS ON THE MOVE . . . Rachel Barker, Reg. 1 Council Representative Associate Director of Financial Aid Kim Swarski joins the Access Group as the External Account Executive for NYSFAAA Regions 1-4 and 8. Medaille College - ACCEL Phone: (716) 631-1061 Patty Herbst of College Loan Corporation has been Email: email@example.com promoted to Vice President of School Relations and received the national "CLC® Commitment to Excellence Stephen D Dodds, Reg. 2 Council Representative Award" at a recent sales meeting. State Grant Coordinator Rochester Business Institute The Julliard School announces their new Associate Director Phone: (585) 266-0430 Ext: 139 of Financial Aid, Amelia Gomes (formerly at Yeshiva Email: firstname.lastname@example.com University) and their new Grants Coordinator, Abdul Muhammad (formerly at NYIT). Sharon Karwowski, Reg. 3 Council Representative SUNY Orange announces two new Financial Aid Technicians! Assistant Director of Financial Aid Galatea Badger, from Killeen Texas will be working out of Tompkins Cortland Community College the Middletown Campus and Frank Samuels (formerly at Phone: (607) 844-6581 Ext: 4454 Mercy College/White Plains) will be located at the Email: firstname.lastname@example.com Newburgh Extension Center. Welcome to NYSFAAA! Brenda L Wright, Reg. 4 Council Representative Vince Scalise, Senior Vice President of School Relations at Interim Director of Financial Aid College Loan Corporation, was given the national "CLC® SUNY Albany President's Cup Award" at a recent sales meeting. Phone: (518) 442-2572 Dacia Banks former Director of Financial Aid at Albany Email: firstname.lastname@example.com Medical College is the new Senior Marketing Rep in New York for Great Lakes, her start date is February 1, 2006. Heather McDonnell, Reg. 5 Council Representative Director Financial Aid Susan Romano from SUNY Geneseo and her husband Tom Sarah Lawrence College are the proud parents of a baby girl born on December 21, Phone: (914) 395-2570 2005. 7lbs 10oz, 21 inches long. All are doing well! Email: email@example.com Theresa Gieseke is the new NextStudent representative for New York State. Welcome Theresa! Angela VanDekker, Reg. 6 Council Representative Asst. Vice President Student Financial Services Student Capital Corporation appoints Sue Fowler Roberts Fordham University - Rose Hill Campus (former President of Citibank's Student Loan Corporation) Phone: (718) 817-3994 as their new Chief Executive Officer. Email: email@example.com Promotions at Alfred State College! Laura Giglio has been Sheryl Mihopulos, Reg. 7 Council Representative promoted to Director of Financial Aid and Deborah Neu has Director, Student Fianancial Services been promoted to Secretary. Congrats! Adelphi University Phone: (516) 877-3365 Darcie Stephens Upstate Rep for Bank of America announces that she is the proud mom of a beautiful baby Email: email@example.com girl, Amanda Jean, born January 9, 2006. 6lbs. 4 oz. 19 inches long. Everyone is doing great! Susan Aldrich, Region 8 Council Representative Director of Financial Aid SUNY Potsdam CALENDAR OF EVENTS Phone: (315) 267-2162 Email: email@example.com Visit our Website for all the latest information on events happening in Executive Council Meeting Schedule your Region. • January 29, 30 and 31 2006 Go to: www.nysfaaa.org • April TBA • June 14, 15 and 16, 2006 NYSFAAA Connection Newsletter Page 3 Winter 2006 Region 8 Gives Back for the Holidays Region 8 Holiday Meeting Photos B.J. Revill, St. Lawrence University, Region 8 Chairperson Those who have attended Region 8's annual Holiday party in Lake Placid know what fun it is. From drinks and dinner at the fabulous Mirror Lake Inn, to the gift exchange "Chinese Auction" style, and of course, there's the shopping. This year, the region decided that they wanted to give back to the community. They planned on making the Holiday season special for a needy family in the region. Beth Turner from St. Lawrence University and Shalena Clary from North Country Community College canvassed Lake Placid and solicited donations and explained who we are, and what are plans were. Needless to say, many proprietors in Lake Placid were generous in their donations. Beth and Shalena received donations ranging from free nights stays at a number of hotels, to gifts certificates to a number of shops and restaurants, to a handmade children's Adirondack chair by yours truly. With all the wonderful gifts from the local merchants in hand, Beth and Shalena went to work selling raffle tickets. The plan was to sell tickets during the day at the business meeting and during cocktails before dinner. The region opened their hearts and their wallets to the idea, and the raffle tickets went fast. A number of times, Beth and Shalena sold out of their supply of tickets and had to make more. With our bellies full, the raffle began. The group was excited, and the noise level went from quiet after dinner conversation to a dull roar. One-by-one the gifts were raffled off with many ooohs and aaahs. With the last prize raffled off, Beth and Shalena finally had a chance to count the money from the tickets sales. What they came up with shocked the entire group. They had sold over $700 in raffle tickets! Our hearts soared at the generosity of our colleagues. What started as a plan to give one family a Happy Holiday suddenly expanded. Beth contacted the administration at a local elementary school and she was able to obtain information on two local families in need. Both families had recently come across bad times, and were not going to be able to provide their children a Christmas. The first family had four children, and the second family had three. Beth was able to purchase gift cards from Wal-Mart for the families. The first family received $400, and the second received just over $300. NYSFAAA Connection Newsletter Page 4 Winter 2006 Taxpayers Can Take Advantage of Higher-Education Benefits Submitted by: Linda Athearn-Forster, Account Executive, USA Funds Students and families who paid college expenses during 2005 may qualify for higher-education deductions or credits when they file their federal income-tax returns. Tax-law changes in recent years have added and expanded higher-education tax benefits. As they prepare their 2005 federal income-tax returns, students and families should be advised to see if they qualify for savings under these tax-law provisions. Student-loan-interest deduction — Taxpayers may be able to reduce their taxable income by up to $2,500 for interest paid during the tax year on their student loans. Hope Tax Credit — Taxpayers may reduce their federal income tax by as much as $1,500 per student for out-of-pocket tuition and fees for each of the first two years of study toward a degree or certificate from a college or vocational school. Students must be enrolled at least half time to qualify. Lifetime Learning Credit — This credit offers the opportunity for taxpayers to reduce their federal income tax by as much as $2,000 for qualified tuition and related expenses paid for students enrolled in eligible postsecondary institutions. The maximum credit equals 20 percent of the first $10,000 of qualified expenses. Deduction for higher-education expenses — Students and parents may be able to reduce their taxable income by up to $4,000 for qualified higher-education expenses that they paid during the tax year. This deduction may benefit them if their income is too high to qualify for either the Hope or Lifetime Learning credits. Employer-provided education benefits — Taxpayers may exclude from their taxable incomes up to $5,250 in higher-education assistance provided by their employers each year. 529 college-savings plans — Students and their families may be able to exclude from their taxable income earnings from qualified-tuition programs, commonly known as 529 savings plans, that they used to pay qualified education expenses. These plans permit individuals to prepay or invest to pay higher-education expenses. Coverdell Education Savings Accounts — Taxpayers may contribute up to $2,000 annually to a Coverdell Education Savings Account, formerly known as education IRAs, on behalf of designated beneficiaries who are younger than age 18 or are special-needs beneficiaries, to pay qualified education expenses. Although these contributions are not tax-deductible, they will grow tax-free until withdrawn. Please note that this information is intended as a general summary of these tax benefits. Financial-aid administrators should refer students and their families to a qualified tax adviser or the Internal Revenue Service to determine eligibility for any of these benefits. Further information also is available in the free USA Funds® brochure "Higher-Education Tax Benefits — Expanded Taxpayer Savings." The brochure is available to view and to order by visiting the USA Funds Web site, www.usafunds.org, and selecting "Order Publications" from the "Express Links" menu. NYSFAAA Newsletter Sponsor NYSFAAA Connection Newsletter Page 5 Winter 2006 MEMBER EDITORIAL MEMBER EDITORIAL Happy Holidays?? Genise Reid, Assistant Director of Financial Aid, Teachers College As I sit here in my office just a few days before winter break, I find myself thinking of the 70 students taking their final exam a few yards away from my door. They are a fraction of the 5000 students who call Teachers College their home. We are grateful for those students who have made the decision to spend time, money, and energy obtaining their masters and doctoral degrees here. At a budget of around $53,000 per year, full-time 'TC' students are not spending nearly as much as their counterparts at business school or law school. However, they hold a distinct disadvantage: they, on average, will graduate into professions that pay less than two-thirds of what they spent per year obtaining their degree. The necessity of educational financing is nothing new, but the attitudes of our students have changed markedly over the past decade. Ten years ago, I spent lots of time talking with students about planning, budgeting, and using student loan borrowing as a last resort. Today, it is rare that the conversation will go much beyond "Where do I sign?"- and students sign off on tens of thousands of dollars of loan debt without batting an eyelash. Yet there comes a time, and a day, when the proverbial chicken comes home to roost. Recently Fortune magazine published an excellent article that touched upon the repercussions of loan consolidation and the consequences of not reading the fine print (When Sallie Met Wall Street, December 2005). We can, and we do, encourage our students to weigh their options carefully and to only use loans as a last resort. And we marvel that the majority of our "best and brightest" will take lots of time and energy to review their educational options, but somehow fail to ask- and answer- the questions related to the financial side of the house. Perhaps more disturbing, some students are aware of the issues and risks, and have done their due diligence, and have discovered there is no other choice but to go into debt. At this point in most editorials, a writer would drag out a list of persons or systems to blame. I am not sure that I can assign blame. After all, American society has grown quite comfortable with the idea of carrying debt. The cost of higher education has increased every year for private and public colleges, in most cases far exceeding the rate of inflation, and most institutions can make very strong defenses for the increase in costs. In the meantime, we in the financial aid industry have watched the demise of graduate scholarship programs, several of which used to flourish in New York State in the 1980s and 1990s. In a few days I will be celebrating Christmas with my family, but along with the anticipation of time off and gift- giving, I find my mind stuck on this problem of watching our future educators amass large amounts of debt to enter careers whose rewards will not extend into their biweekly paychecks. And I wonder what sort of holiday season they will have. NYSFAAA Webletter Sponsor If you would like to contribute to the NYSFAAA Connection Please contact Laura Worley at firstname.lastname@example.com or Vince Scalise at firstname.lastname@example.com NYSFAAA Connection Newsletter Page 6 Winter 2006 Passage of Deficit Reduction Act Brings Federal Aid Changes By Betsy Mayotte, Director of Regulatory Compliance and Privacy, American Student Assistance Congress has officially passed the Deficit Reduction Act (S.1932). Incorporated into the Act were provisions to change and in some cases reauthorize parts of the Higher Education Act. The question now becomes how and when are students and schools going to feel the impact of these changes? Here's a look at the major modifications to the federal aid programs: Student loans For the 2006-2007 academic year, the origination fee on a new Federal Family Education Loan will be reduced from 3 percent to 2 percent. On the other hand, the guarantee fee of 1 percent, which may have been waived on past loans, must be deposited into the guarantor federal reserve account. Students receiving Federal Direct loans will have their origination fee dropped from 4 percent to 3 percent. Another change as a result of the newly passed bill is a switch on Stafford and PLUS loan interest rates from variable to fixed. Beginning July 1, 2006, Stafford loans will carry a fixed interest rate of 6.8 percent, while PLUS loans will be fixed at 8.5 percent. Additionally, graduate students will now be eligible to obtain a PLUS loan, in their own right, without a parent. Also beginning in 2006, schools with a cohort draft rate below 10 percent (for the past three consecutive years) will qualify for relief when it comes to the disbursement rules. These qualified schools will be able to disburse loans in one disbursement if the loan is only for a single semester and they will not have to wait until the 30th day of the loan period to deliver a loan to a first-year, first-time undergraduate borrower. However, students attending foreign school will no longer be able to request loan disbursement checks be sent directly to them and their loans will be disbursed in multiple disbursements, instead of a single full disbursement. Student loan borrowers who are in repayment will also start seeing some changes to their repayment options as early as July 1, 2006. Military personnel that are activated into duty will be able to have their loans deferred for the period of time that they are in active duty. While borrowers who are requesting forbearances will no longer have to submit a written request for the forbearance, they will receive a written confirmation of terms from their loan holder. Finally, borrowers will no longer be able to consolidate their loans while they are in school and they will not be allowed to consolidate their loans with their spouse's loans. Borrowers who have defaulted on their student loans will now be able to rehabilitate their loans in a shorter timeframe, as the number of required consecutive on-time payments has been reduced from 12 months to nine. FFELP administrator American Student Assistance, which in recent years implemented the shorter rehabilitation time period on a trial basis, has experienced great success as a result of the pilot program, with a rehabilitation rate more than double the average rate of all other guarantors in the nation. Additionally, defaulted borrowers who are repaying their debt in the form of wage garnishment could see an increase in the amount garnished, from 10 percent to 15 percent of their disposable pay. Jumping ahead to the 2007-2008 award year, undergraduate and graduate loan limits will increase. Beginning on July 1, 2007, first and second year undergraduate student loan limits will be $3,500 and $4,500, respectively. This is an increase from previous respective limits of $2,625 and $3,500. Graduate students will have their additional unsubsidized Stafford loan limit increased from $10,000 to $12,000. However, the aggregate loan levels for undergraduate and graduate students will not be increasing, so the loan limit increase should not have too big of an impact on overall Stafford loan debt. Lastly, borrowers who have been found guilty or who plead no contest to student loan fraud will be ineligible for aid until they pay back the fraudulently obtained loans. School as Lender Starting on April 1, 2006, a moratorium will keep new schools (those that have not previously disbursed a loan under the program) from lending money. NYSFAAA Connection Newsletter Page 7 Winter 2006 continued from page 7 "Passage of Deficit Reduction Act Brings Federal Aid Changes Pell Grants Beginning on July 1, 2006, Pell Grant eligible students will become eligible for additional monies in the form of Academic Competitiveness and SMART grants. The new grants will be in addition to their Pell Grants if the student is studying physical, life and computer sciences or mathematics, technology, engineering or certain foreign languages. These new grants will provide eligible students with between $750 and $4,000 in additional funds. Additional changes: • Students who were previously unable to qualify for federal aid because of past drug convictions may be eligible for aid based on the new standards in the HEA. • Families receiving federal aid from programs such as food stamps, the free school lunch program, etc., will have less paperwork to qualify for an auto-zero estimated family contribution. • Qualified schools specializing in online courses will be able to award federal student aid even if they teach more than 50 percent of their courses online. • Finally, FFELP guarantors and the Department of Education will offer more information to families on college planning, career preparation, and paying for college. In total, the Deficit Reduction Act is projected to save the federal budget 12.7 billion dollars over the next five years. For up-to-date reauthorization and budget reconciliation news, visit www.amsa.com Impact of Reconciliation on New York's Graduate and Professional Students Patrick S. Ziegler, Co-Chair, NYSFAAA Graduate and Professional Concerns Committee & Regional Marketing Director for Great Lakes Educational Loan Services The Higher Education Reconciliation Act of 2005 currently working its way through Congress contains a number of provisions which will have a significant impact on New York State's medical and graduate health students. This fall, over 9,000 students will enroll in nearly 30 health-related colleges and universities across the state in a variety of disciplines. As in past years, the vast majority of those students will rely heavily on student loans to finance their education. The types and terms of the loans they borrow, however, could be vastly different should pending legislation be passed into law. Perhaps the most controversial piece of legislation expected to take effect on July 1 of this year would fix Stafford Loan and Federal Direct Student Loan (FDSL) interest rates at 6.8% for the life of the loan. Although this would result in another interest rate increase of approximately 2%, this change would eliminate the current interest rate cap of 8.25%. By extension, federal consolidation loans composed entirely of these "new" loans will be fixed at 6.875%, which is the weighted average of all consolidated loans rounded to the next highest 1/8 of a percent. In- school consolidation will be eliminated meaning that this year will be the last opportunity for students—especially those with high debt-loads—to lock in their existing loans at the current 4.875%. Graduate students outside of the medical disciplines will benefit from a $2000 annual increase in unsubsidized Stafford or FDSL loan limits. This would allow graduate students to borrow up to $20,500 in loan proceeds with the first $8,500 being subsidized while in school or during qualified deferments. Additionally, all graduate students will be eligible, for the first time, to borrow PLUS loans. This could have such a dramatic impact on graduate student borrowing that the recent Professional Development Conference for medical school financial aid officers featured a panel discussion on PLUS loans with representatives of three national loan providers answering questions from the audience. While some, including Clair Jacobi, Director of Financial Aid at the New York College of Osteopathic Medicine in Old Westbury, appropriately cautioned that this proposal is not yet law and NYSFAAA Connection Newsletter Page 8 Winter 2006 continued from page 8 "Impact or Reconciliation" still requires some regulatory clarification from the Department of Education, the response from New York's financial aid community was extremely positive. The most attractive benefit of allowing graduate students to borrow PLUS loans would be the corresponding decrease in alternative or private loan debt. The first critical difference to the borrower is the private loan origination fee that can be charged at the time of disbursement and/or upon entering repayment. A 3% origination fee is mandated on all PLUS loans but can be refunded to the borrower in a number of ways. Private loan origination fees, however, are usually based on the creditworthiness of the borrower and can exceed 10%. Similarly, the interest rate charged the borrower can be significantly higher than the 8.5% fixed rate which will be charged on all PLUS loans disbursed after July 1. Though it is true that in this interest rate climate borrowers may be able to find private loan products with interest rates lower than 8.5%, the interest rate cap on private loans can be much higher while the interest rate varies quarterly rather than annually. In addition, accrued interest may be capitalized more often on private loans than with PLUS. For Nancy Janson, Director of Financial Aid at the University of Rochester School of Medicine and Dentistry, the availability of PLUS loans could mean significant savings for her graduate and medical students. "Our students are increasingly relying on more expensive private loans in order to meet their cost of attendance. If this proposal is eventually approved, it would offer our borrowers an opportunity to subsidize their entire education with less costly, guaranteed federal loans." Glenda Palmer, Associate Dean for Student Services at the Mount Sinai School of Medicine in New York City agreed adding, "Since PLUS is a federal loan program, these loans would also be eligible for federal loan consolidation." This will allow borrowers to have all of their graduate loans serviced at one entity, easing the sometimes painstaking process of applying for deferments or forbearances through residency. This year's budget reconciliation process will, in all likelihood, impose deep cuts on all federal loan programs. At least for New York's graduate and professional students, the news is not all bad. A slight increase in unsubsidized loam limits coupled with the decision to open PLUS borrowing to graduate students are both positive developments which could yield significant savings to graduate borrowers. Remembering Laura Dominy Carolyn Corcoran, Assistant Director of Financial Aid, SUNY Potsdam Region 8 and all of NYSFAAA lost a great friend and colleague when Laura Dominy, Associate Director of Financial Aid at SUNY Plattsburgh, passed away on December 26, 2005. Laura fought a short but very courageous battle with cancer and died with her wonderful family surrounding her. Kerrie Cooper and I were fortunate enough to be there and see Laura that one last time and it was very obvious that Laura was surrounded by loving family and friends. I know for a fact that Todd Moravec, Kerry Lubold and the financial aid staff at SUNY Plattsburgh gave Laura their support and were constantly visiting her and for that, I want to thank them. Laura was definitely a "North Country girl", having been born and raised in Plattsburgh. She attended the Campus School at SUNY Plattsburgh and graduated from Plattsburgh High School in 1972. She then went on to attend SUNY Plattsburgh, graduating in 1976 with a degree in Biology. She worked at SUNY Plattsburgh for 28 years, as a Work- Study student in the Bursar's Office, then as a graduate assistant in the EOP Office and from there found her way to the financial aid world. I can only imagine how much the folks at SUNY Plattsburgh are going to miss her experience and guidance. Laura was extremely active in both SUNYFAP and NYSFAAA, serving and chairing committees, serving as Chair for Region 8 more than once, serving as Exec Council representative for Region 8 and earning our Regional Service award more than once! It was great to have Laura at Region 8 meetings because she had such history and memory of NYSFAAA and we could always look to her and say "Laura, you should remember this" and we could quiz her about what happened when and who worked at which school when and what happened at which conference when…..we're really going to miss that! I just want to say that as a friend and colleague of Laura's, it was more than touching to read the different tributes from financial aid colleagues that came across the list serves when news of her death surfaced. For each person who wrote something, I can tell NYSFAAA Connection Newsletter Page 9 Winter 2006 continued from page 9 "Remembering Laura Dominy" you and many others that Laura always spoke fondly of all of you and had tremendous respect for her financial aid colleagues. For those of you who knew her, you know that she never, and I do mean never, had a bad word to say about anyone. She was such a giving person, volunteering for Hospice (there would be mornings when she would come into the office after sitting up all night with a dying patient), for the Human Society and for her church, the First Baptist Church of Plattsburgh, where she started and directed the wonderful hand bell choir. On the day of her memorial service, the church was packed and it was standing room only with at least two overflow rooms. Her family voiced that they had no idea in regard to the large number of lives that Laura had touched. For those of there, it was a wonderful, music-filled ceremony, with lots of laughter and tears. It was a touching celebration of Laura's life. I miss her and I think in the next few months, as Region 8 members meet more frequently over conference planning, we'll all think of her and miss her more. We'll miss her knowledge and expertise, her humor, her quiet, unassuming presence, her deep laugh and as John View pointed out, we'll miss her wonderful smile. Donations in Laura Dominy's memory may be made to: The Laura J. Dominy Scholarship Fund SUNY Plattsburgh 101 Broad Street Plattsburgh, NY 12901-2681 Checks should be made payable to "Plattsburgh College Foundation". Budget 2006-07 Executive Proposals for TAP How Does This Impact Schools in New York State? Campus must "Pre-finance" TAP for GED and Ability to Benefit Test Students Summary: TAP eligible institutions would have to defer ("pre-finance") tuition in the amount of TAP for students who do not st have a high school diploma (including those with GED's or who pass ATB's) for 1 time TAP award recipients in 06-07. The eligible institution would be paid the TAP award (plus interest) once the student completed 24 credits. Considerations: 1. GED and ATB students enroll mainly in two year or shorter length programs. 2. The eligible institution must defer tuition up to the amount of TAP. 3. The student must complete 24 credits within the academic year at which time HESC would issue payment to the campus in the amount deferred by the campus, plus interest. 4. GED and ATB students tend to be academically at risk. Students who fail to complete 24 credit hours would not receive TAP and the campus would have to bill the student at the end of the second semester or forego the revenue. 5. Open admissions institutions might not be able to limit their risk under this proposal by selective admissions. 6. Home-schooled students would be subject to this proposal since they do not have a high school diploma. 7. Taxpayers are currently protected from program abuse as statute already stipulates that TAP recipients are limited to the equivalent of 6 semester payments for associate degrees and 8 semester payments for bachelor degrees. 8. Most GED and ATB students take reduced course-loads and would be subject to this budget proposal which limits students taking fewer than 15 credits to 80% of their calculated TAP (see below). 9. Because the proposal requires that the tuition charge be deferred, the campus does not have an option to replace the postponed TAP payment with other sources of assistance. 10. Operationally, how do eligible institutions track transfer students who subsequently complete the required 24 credit hours. Would the original campus receive reimbursement once the credits are completed at the new college? Students must earn 30 credit hours in the previous two semesters to receive an 'accelerated' payment,. Under this budget proposal, this option would be limited to students who complete 30 credits in the semesters prior to the summer term. NYSFAAA Connection Newsletter Page 10 Winter 2006 continued from page 10 "Budget 2006-07 Executive Proposals for TAP" Consideration: 1. Students attend summer sessions to catch-up and accelerate. 2. The legislative language states that the student must have completed 30 credits at the institution where he/she wishes to pursue summer study. This eliminates TAP for students who transfer with the intent of beginning in the summer. For purposes of calculating TAP, redefine full time as 15 credits per term. Students enrolled for 12 or more but less than 15 credits would receive 80% of the full TAP award. Consideration: TAP was created for full time students. The current regulation defines full time as 12 credit hours per semester; the standard full time definition of most eligible institutions. Partial or prorated TAP awards were never awarded. Under this proposal, TAP awards would be prorated if a student registers for fewer than 15 credits per semester. The budget also proposes that a student who completed less than 15 credits in a previous semester would also receive a pro-rated award even if enrolled for 15 or more credits in the current term (by intent, first semester, first year students should be exempted in this proposed regulation). 1. Students must register for at least 12 credits to receive TAP. 2. The lowest income TAP recipients with AGI (family incomes) below approximately $24K would be responsible for the remaining 20% of the full (not prorated) TAP award. 3. Because the reduced award is 80% of the original award, the dollar impact is more significant for lower income recipients. Lower income recipients receive disproportionately larger award reductions than higher income students because lower income students receive larger awards. 4. An estimate already shows that a significant percentage of the entire TAP population would receive prorated awards. 5. In a financial aid package, the shortfall could be covered with additional unsubsidized student loan funds. 6. Many students register for fewer than 15 credits because of family or employment responsibilities, especially in two-year programs. These students also often work more than half-time and reduce their course load to earn much needed income. Strengthen Satisfactory Academic Progress requirements for first time TAP recipients in 2006-07 Students are already required to demonstrate Satisfactory Academic Progress by accumulating a specified number of credits and achieving a specified cumulative grade point average each term. Current and Proposed Standards of Satisfaction for Baccalaureate Degree: Before being certified for this payment: 1st 2nd 3rd 4th 5th 6th 7th 8th 9th 10th Minimum Credit Current 0 3 9 18 30 45 60 75 90 105 accrual: Proposed 0 6 15 21 33 45 60 75 90 105 Minimum GPA: Current 0 .5 .75 1.2 2.0 2.0 2.0 2.0 2.0 2.0 Proposed 0 1.3 1.7 2.0 2.0 2.0 2.0 2.0 2.0 2.0 Current and Proposed Standards of Satisfaction for Associate Degree and Certificate Programs: Before being certified for this payment: 1st 2nd 3rd 4th 5th 6th Minimum Credit Current 0 3 9 18 30 45 accrual: Proposed 0 6 12 18 30 45 Minimum GPA: Current 0 .5 .75 1.3 2.0 2.0 Proposed 0 1.3 1.5 1.7 2.0 2.0 NYSFAAA Connection Newsletter Page 11 Winter 2006 Region 1 Catches the Spirit of the Holidays Kevin Ryan, University at Buffalo & Region 1 Chairperson NYSFAAA Region 1 held their holiday meeting and luncheon on December 15, 2005 at Harry's Harbour Grille. It was a very well attended meeting with over 90 NYSFAAA members in attendance. The meeting included updates from Executive Council, HESC and Committee Chairs. This year, for the first time Region 1 asked each attendee to donate an unwrapped child's toy to be given to the Buffalo Chapter of Toys for Tots. The out pouring of generosity was overwhelming! We ended up with a pile of toys for children of every age! The good people of Region 1 really came through as they did their small part to try to help the local area children enjoy the holiday season. Thank you to all who participated! NYSFAAA Webletter Sponsor Blow it Up or Blow it Off? - Clues for Handling Conflict Resolution By Allyson Wynne – Citbank – The Student Loan Corporation Conflicts are not uncommon to social settings. Misunderstandings and communication problems are one of the most widespread sources of turmoil in the workplace. Though conflict may be inevitable and unavoidable at times, there are ways to figure out how to cope with and manage on-the-job conflicts. The following are some strategies to effectively deal with conflict situations that may arise in the workplace. Separate the person from the problem – It is easy to get caught up in interpersonal disputes. If you are able to take the person out of the situation and focus on the situation itself, you will be more proactive in your approach versus reacting to the behaviors of another individual. Exchange perceptions – You need to understand my position. I need to understand your position. I may not necessarily agree, but I do need to understand where you are coming from. Think of a quarter. When holding it up in front of another person, you both see a quarter, right? But, you may be looking at heads, while the other person is looking at tails. It's the same thing (still a quarter), but you both are seeing it from different sides. Help me understand where you are coming from and how you perceive the issue. Acknowledge emotions – Let the individual know that you recognize how they are feeling about the situation. Let them know how you are feeling as well. Ask yourself the following questions: Are you sure that the other person is really the problem and that you are not overreacting? Have you always experienced difficulty with the same type of person or actions? Does a pattern exist for you in your interactions with coworkers or customers? Do you recognize that you have "hot buttons" that are easily pushed? Always start with self-examination to determine that the object of your attention really is a difficult person's actions. Use gestures – This signals your desire for a mutually acceptable solution. The caution, however, is not to let it get too personal. Take me to lunch. Send me an email. Make a call to ask about another issue I have a stake in. Find a way for everyone to "save face." The objective is not to make me lose or to embarrass me. Focus on interests, not positions Ask why – Try to get at the motives and values that are driving my position. "Why does that concern you so much?" NYSFAAA Connection Newsletter Page 12 Winter 2006 continued from page 12 "Handling Conflict Resolution" Deal with specifics and examples – Challenge generalizations by asking for specifics and examples. "What do you mean by that?" "Could you give me an example?" Find both common and differing interests – "What are the things that we agree on here?" "So the real root of our differences is in this…?" Look forward, not back – Don't deal with past animosities or mistakes. The object is to find a way to make it work in the future. "I don't want to go back to that. I'd rather deal with what we can do now." Invent options for mutual gain. Brainstorm possibilities – The more ideas that get surfaced, the better the chances of finding a mutually-acceptable solution. Try to avoid instantly shooting down ideas. See the situation through the other person's eyes – How might you see and handle the situation if roles were reversed? What would be my concerns if I were in your shoes? Look for mutual gains – What might be helpful to us both? What would be most helpful to the organization? Look for mutual gains – What might be helpful to us both? What would be most helpful to the organization? Look for win-win opportunities – Is there a side issue or a small point on which we can agree and build some momentum? Keep in mind that most people will not change their unpleasant styles of relating to others. Therefore, the person who deals with them must learn to change the way in which they respond to these types of people. There is great value to be gained when we take the time to try to understand another's viewpoint. By changing our attitude toward them we can find a wealth of knowledge to improve our own ability to work with people. Getting away from conflict in the workplace is not always possible. The key is not allowing yourself to be reactive when conflict situations do arise – choose to be proactive by implementing the suggestions outlined above and you will be on your way to a more effective resolution. NYSFAAA Position Paper on Governor's Budget – 2006 In presenting his 2006-2007 Executive Budget the Governor highlighted his commitment to excellence. In 2005-06 college enrollments in New York reached an all time high of nearly 1,135,000 students, the largest college enrollment ever. However, the Governor's budget proposal seeks to cut the Tuition Assistance Program (TAP), which is the mainstay of financial aid for New York State students. TAP is a direct contributor to keeping students in New York State schools and living and working in the state when they leave school. The Governor states further that "Overall graduation rates at our private colleges and SUNY campuses compare favorably to peer institutions in other states". Students who have a college degree earn $1M more in their lifetime; this translates to increased state tax revenue. The Governor is proposing changes that are contrary to the original legislative intent of TAP. These cuts could devastate educational opportunities for many students for whom education is the path to a better and more productive life. In twelve years the maximum TAP award has only increased $875. Therefore, the amount designated for TAP should be increased, not reduced. The Governor's proposed $190 million dollar cut to the TAP budget is perceived to be a disincentive to students who later chose to enter college after receiving a GED, students who are looking for a second chance by taking developmental classes at a community college, adult students who must support themselves and/or a family while attending college, and finally, students who are trying to break the cycle of poverty. The Governor's proposals run contrary to the conclusions reached by the Commission on New York State Student Financial Aid in December 1999. This blue ribbon panel created and appointed by the Legislature concluded that: NYSFAAA Connection Newsletter Page 13 Winter 2006 continued from page 13 "NYSFAAA Position Paper on Governor's Budget 2006" 1. New York State must reaffirm its dedication to the basic principles that underlie student financial aid. These principles hold that the young men and women of every generation deserve an opportunity to fulfill their innate talents regardless of economic status, that education without universal opportunity is elitist and inequitable, and that financial assistance is the greatest investment the State can make in its own future; 2. There is little that is fundamentally or intrinsically wrong with the basic programs in place, like the Tuition Assistance Program; it is their funding, uneven distribution and lack of cohesive planning and coordination that are undermining original intent and effectiveness, and 3. Financial aid amounts and distribution cannot be looked at in a vacuum, insulated from tuition and other higher education funding by the State and Federal governments. The impact of the Governor's proposal is to severely alter the original intent of the TAP program. This proposal could devastate the state's economy indirectly and dash the hopes of those seeking access to a better life and higher education. Financial aid professionals throughout the state would agree that some reforms can be made to the Tuition Assistance Program which will make it more effective, efficient, and equitable. We stand willing to work with you to achieve those goals. Let's look for the "cohesive plan" for reform advocated by the 1999 Commission. Let's not take the "band-aid" approach to reforming the program as proposed by the Governor. And most of all let's protect the most vulnerable of our citizens from in their efforts to obtain a higher education and a better life! NYSFAAA MEMBERSHIP UPDATE Joan D. Warren,The Julliard School, NYSFAAA 1st VP for Membership Thanks to a record-setting attendance at our successful annual conference held last October, plus exceptional training and other activities at regional meetings, NYSFAAA now has 1324 members, a nearly 10% increase above last year! Member services improved greatly throughout 2005 with the implementation of on-line event registration, enhanced payment services, and easier access to NYSFAAA 2006 Conference membership statistical data for your regional officers. I am very pleased to report that credit cards are now being accepted for membership and event registration payments! Now when you submit your membership renewal application or register for the Novice Program or the Annual Conference, you will see an option to pay by credit card (Master Card or Visa) at the top of the invoice. With a single credit card transaction, you can pay for as many as twelve invoices. Once the transaction is processed, all invoices will be credited, giving members immediate access to member-only services. If you submit an application or event registration, and later decide that you'd like to pay by credit card, go to the Payment Services section (located in the Member Services area of the NYSFAAA website). You'll see a new option: "Invoice Payment Options - pay by credit card" listed first. Many thanks go to Samantha Veeder, NYSFAAA State Treasurer, for her hard work in setting up this process with our service providers. As always, your questions, concerns, and recommendations regarding member services are always welcomed. Please e-mail me anytime at: firstname.lastname@example.com. Best wishes to all for a wonderful New Year. NYSFAAA Connection Newsletter Page 14 Winter 2006
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Hotel Le Barcelone
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Travel Blogs from Vichy
Au revoir!
... we only have a week before we head home. I think we went for a run in the Parc Monceau, most likely did as we are such athletic types!!! We're not sure what we did, I think it was a visit to Musee D'Orsay. We haven't been since they have done the 5th floor and the impressionist section. It was great to have a wander and the museum is so beautiful just lovely to visit. Realised about 2pm we were hungry so over to the 1st and lunch at a new tapas ...
Paris to Munich .... By train.
... to Emily's amazement.) Anyway, back to the trains. The ones we caught, Emily only went one way. Place D'Italie was the end of the line. So we were always on the right side of the tracks. Yesterday, line 7 continued on past Place D'Italie station. So I could go both ways... and I did. No problem getting to Paris Est. ( Train only went one way.) Orange.... 5. Arrived 8am... Early. Train left at 9.06am. Went to Information for a bit of assistance. The ...
... our apartment, we went to Clamato which has nothing to do with Mott's. It is the seafood-sister restaurant of Septime, where we had our extravagant lunch two weeks ago. We had to get there just before it opened so we could line up to get a seat. This restaurant did not have an English menu and we were unfamiliar with the many types of fish, so we just guessed and ordered, and thankfully, everything was great! We had a ceviche; ...
Catacombes & Claus
My day started with my favorite, a cappuccino that was delicious and started my long day with a boost! The previous day i was at the Catacombes but i did not finish my visit so i came a second time to conclude my observations of the historical ...
Two pilgrimages and Paris
... my second day in Paris was much better tailored to my personal tastes! A morning visit to the Roland Garros tennis centre and museum (leaving only a visit to Flushing Meadows in New York to complete the grand slam), was followed by an afternoon in the queue waiting to ascend the Eiffel Tower. Unlike the queues for the museums, however, the Eiffel Tower was well worth the wait, the views from its summit simply stunning! And the views were not the ...
Other places to stay in Vichy
Mercure Vichy Thermalia1 Avenue Thermale, Vichy | 3 star hotelfrom $123
Ibis Vichy1 Avenue Victoria, Vichy | 2 star hotelfrom $95
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Logis Chambord82-84 rue de Paris, Vichy | 2 star hotelfrom $81
Hotel A La Regence34 avenue des Celestins, Vichy | Hotelfrom $64

subset: commoncrawl


text:
5. Pedagogical Frameworks for Emergent Digital Practices in Architecture
- Dr Tuba Kocatürk MSc Digital Architectural Design architect Senior Lecturer Programme Director and
- Dr Benachir Medjdoub PhD Lecturer Principal Investigator Reader
Published Online: 20 APR 2011
DOI: 10.1002/9781444392395.ch5
Copyright © 2011 Blackwell Publishing Ltd
Book Title
Distributed Intelligence in Design
Additional Information
How to Cite
Allpress, B. (2011) Pedagogical Frameworks for Emergent Digital Practices in Architecture, in Distributed Intelligence in Design (eds T. Kocatürk and B. Medjdoub), Wiley-Blackwell, Oxford, UK. doi: 10.1002/9781444392395.ch5
Editor Information
School of the Built Environment, Salford University, UK
Publication History
- Published Online: 20 APR 2011
- Published Print: 7 JAN 2011
ISBN Information
Print ISBN: 9781444333381
Online ISBN: 9781444392395
- Summary
- Chapter
- References
- pedagogical frameworks - for emergent digital practices in architecture;
- diverse roles of digital design and communication technologies - converging, development of parametric modelling systems;
- rapidly changing technologies and practices - challenging established approaches to architectural design, communication and technology;
- urban environments, its focus a concern - for architectural design precedent, type, infrastructure and urban scale;
- practice-based teaching by project, a pedagogical framework - of RMIT Architecture professional degree programmes and tri-polar model;
- RMIT Architecture programme structure - supporting dynamic diversity of studio and elective offerings;
- Equipoise. Tom Frauenfelder, Will Hosikian, Jessica In, Sarah Papadoupollous, RMIT Architecture students;
- The Cloudnets electives experiment - graphs of relationships, emergent properties based on relationships via Rhino NURB modeller software;
- diverse range of other design studios and electives - every semester in Advanced Technologies stream by RMIT academics;
- practice-based research approach at RMIT - research by and through design projects
This chapter contains sections titled:
Tri-polar scholarship
Practice-based teaching by project
Advanced technologies and emergent practices
Practice-based research by project
Co-rational practices
Scripting practices
Anachronistic practices
Non-standard pedagogy


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Why My Children May Not Be Getting Presents From Santa This Year
Rebecca Hughes Parker | Posted 02.12.2012 | Parents
"You want to know what's a fairy tale about Santa?" she said the other night at dinner. I held my breath waiting for the answer. "It's that you have to be good. You can be naughty and he'll still bring you presents."


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from 14 recommendations
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text:
User:Jernej Turnsek
From OpenWetWare
Revision as of 12:06, 20 September 2011 by Jernej Turnsek (Talk | contribs)
I am a new member of OpenWetWare!
Contact Info
- Jernej Turnsek
- National Institute of Chemistry, Ljubljana, Slovenia
- Address 1
- Address 2
- City, State, Country etc.
- Email me through OpenWetWare
I work in the Your Lab at XYZ University. I learned about OpenWetWare from Through iGEM competition., and I've joined because I would like to edit our "BIOMOD" wiki page..
- Year, PhD, Institute
- Year, MS, Institute
- Year, BS, Institute
Research interests
- Interest 1
- Interest 2
- Interest 3
- Goldbeter A and Koshland DE Jr. . pmid:6947258.
- JACOB F and MONOD J. . pmid:13718526.
leave a comment about a paper here
- isbn:0879697164.


text:
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text:
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Bladestorm Nightmare PreviewBladestorm Nightmare is the upcoming tactical action game from Koei Tecmo. It is the followup ... Read More
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Gaming PR: MEDIA RELEASE: The hunt begins as Bloodborne™ launches nationwide today, only on PS4™I was wondering why the itnernet was suddenly talking about this yesterday. Turns out, it ... Read MoreMar 27, 2015
Gaming PR: BIOWARE EXPANDS DRAGON AGE: INQUISITION WITH JAWS OF HAKKON - AVAILABLE NOWSo Dragon Age: Inquisition got an expansion pack yesterday. Check out the details for that ... Read MoreMar 27, 2015
Gaming PR: MEDIA ALERT/VIDEO: Hit the road with a free trial of The CrewThe Crew now has a free trial. It also has a new PVP game mode. ... Read MoreMar 27, 2015
Gaming PR: Teaser and release date for The Evil Within: The Consequence.So there's a DLC coming out for The Evil Within called The Consequence. It comes ... Read MoreMar 24, 2015
Gaming PR: Netflix available today on PlayStation®3 (PS3™) and PlayStation®4 (PS4™)Netflix is now available to Australians. On the Playstation 3 and 4. Check out the ... Read More
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Gaming PR: Homeworld Remastered Launch Trailer
Gearbox sent through this epic launch trailer for Homeworld Remastered. Check it out below. — Like this:Like Loading…
Things That We Would Love To See In An XCOM Sequel
Recently it was announced that there would be an expansion pack to the hit XCOM: Enemy Unknown video game from publisher 2k Games, which is a reboot of the original X-Com franchise from the 90s. Since that announcement was made, the somewhat regarded third-person shooter, XCOM: The Bureau has been released. In celebration of the news of the expansion pack, as well as the launch of The Bureau, we've compiled a list of features that we would love to see in the sequel to Enemy Unknown should it ever be released. — Real Time Missions This is a feature that wasn't introduced until later on in the X-Com franchise initially, but it is still something that we feel should be … Continue reading


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Great post!
Thank you so much!!
Love this! Super inspiring, and tough-girl-badass. :)
Absolutely love these pictures! So inspiring!
Thank you!!!
So inspiring!
nice post! amazing pics :) xoxo
Cool post;)
Thanks so much!!!
Such a great roundup!
Mmm that just go picture just cleared me out a few things right now, and it has somehow made an impact on this upcoming week. Holy, is weird how a picture can affect you so much! :o
By the way, I love the shoes of the 7th picture, they're so gorgeous! And the hair below as well :)
Lovely pictures! x
I know exactly what you mean. It's so nice how a photograph can create such emotions. I love this and it is the reason why I post my favorite inspiration from the week prior on Fridays. So happy the photos affected you too!!! (oh and I feel the same way about music… the way a song can affect you.)
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A social license to operate is the only permit that Congress can't grant TransCanada operators, and it's only a matter of time before they learn their lesson.
The noted international law scholar discusses war crimes in general and Israel's continuing war on Gaza's population in particular.
Jo Comerford is the executive director of National Priorities Project, a non-profit, nonpartisan research organization dedicated to making the federal budget more transparent and accessible. Learn more at nationalpriorities.org.


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Video: Glenn Beck adds lights to mark NBC's green week
posted at 8:29 am on November 8, 2007 by Bryan
For a quick refresher, here's the NBC candle light halftime segment from Sunday Night Football (which the Cowboys won, btw).
Now, watch CNN's Glenn Beck celebrate "Coal Week."
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- Meet John Doe: Businesses, politicians and gov't should follow junk email laws
- Entertainment abound for this week's First Friday
- State Roundup: Special election dates set
- Test drive: the 2015 Ford F-150
- Fracking never on a path to sustainability
- Indiana boxes itself into legal corner
- TRRT April 1-7 | Online Edition
- Guest Commentary: the Rockford Apartment Association
- State Roundup: NIU employee improperly reimbursed $30K
- State Roundup: Governor signs budget fix bills
Outdoor gear exchange store grand opening Feb. 12-13
From press release
Loves Park, Ill.—Very likely, everyone has some outdoor gear they've outgrown, don't use, and don't know what to do with.
Here's your solution: Paddle and Trail is opening the Paddle and Trail Outdoor Gear Exchange at 7100 N. Alpine Road, Loves Park, Ill. The new store is just a block from Paddle and Trail's full-service retail operation.
The Outdoor Gear Exchange store offers people the opportunity to turn used equipment into cash with a consignment arrangement, or to trade in used gear for new. The store will also give shoppers a place to purchase a variety of used outdoor gear, including a large quantity of used kayaks and canoes.
Paddle and Trail is celebrating the grand opening of the store with an Outdoor Gear Swap, from 10 a.m. to 6 p.m., Saturday and Sunday, Feb. 12-13. Outdoor gear that will be accepted for resale are used kayaks, canoes, bikes, skis, racks, trailers, camping equipment, paddles, life preservers, and other related outdoor gear.
Paddle and Trail has also set up a "Give Back" program that gives the customer an opportunity to donate the proceeds from consignment sales at the Outdoor Gear Exchange to designated charities. Seventy-five percent of money earned by a donation will go to one of five charities and the other 25 percent will go to Paddle and Trail for consignment expenses. Paddle and Trail's "Give Back" charities are Rockford Rescue Mission, Natural Land Institute, Friends of the Rock River, Severson Dells and Camp Rotamer.
Paddle and Trail operates one of Illinois' largest paddlesport retail operations at 7212 N. Alpine, Loves Park, Ill. Their new product line includes outdoor gear and apparel such as Mountain Hard Wear, Patagonia, ExOfficio, Dagger, Perception, Wenonah, Mad River Canoes, Thule, Yakima, Keen and MSR.
Paddle and Trail has five locations to serve their customers: Paddle and Trail of Loves Park, 7212 N. Alpine Road, Loves Park, Ill.; Paddle and Trail Outdoor Gear Exchange, 7100 N. Alpine Road, Loves Park, Ill.; Paddle and Trail Rock River Rentals, 1040 N. Second St., Rockford; Paddle and Trail of Beloit, 110 W. Grand Ave., Beloit, Wis.; Paddle and Trail on Lake Koshkonong, 723 E. Ellendale Road, Edgerton, Wis. They also have an online store at www.paddleandtrail.com. For more information, call (815) 636-9066 or e-mail them at email@example.com.


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Pandora (P) Showing Bullish Technicals With Support At $16.07MarketIntelligenceCenter.com's patented algorithms have identified an attractive covered-call trade on Pandora Media Inc. (http://www.marketintelligencecenter.com/symbol/P"P). Look at the Jan. '16 $15.00 covered call for a net debit in the $12.74 ... Individual.com, 3 days ago
Pandora (P) Showing Support Near $16.06 - Individual.com, 4 days ago
Potential Pandora (P) Trade Has 22.88% Downside Protection - Individual.com, 1 week ago
673 images for pandora
Potential Pandora (P) Trade Has 21.91% Downside Protection
After TuesdayaEUR(TM)s trading in Pandora Media Inc. (http://www.marketintelligencecenter.com/symbol/P"P) MarketIntelligenceCenter.com's patented algorithms uncovered a trade that offers a 18.58% return or 22.91% on an annualized basis (for ...Individual.com, 2 days ago Potential Pandora (P) Trade Has 22.49% Downside Protection Individual.com, 1 week ago Potential Pandora (P) Trade Has 24.48% Downside Protection Individual.com, 1 week ago
Pandora jewellery founder to sell historic home
COUNTRY CHARM: 19th century estate Mutton Falls features a chook pen, barn and homestead with a wattle daub timber facade. Source: Supplied THE founder of the Pandora jewellery brand has put her sprawling country estate on the market with an auction ...Perth Now, 4 days ago Pandora founder to sell historic country estate Perth Now, 4 days ago jewellery founder to sell historic home Brisbane Courier-Mail, 4 days ago
Pandora: Keeping Competition In Check
Mar. 25, 2015 3:27 PM ET | About: Pandora Media (P) by: Summary Proven ability to sustain itself amid increasing competition. Price/sales ratio at a low point. New business strategies are emerging. There are a lot of divergent views ...Seeking Alpha, 2 days ago Should Pandora, Apple And Spotify Be Worried About Amazon's New Radio App? Benzinga.com, 2 days ago Why Pandora Media Investors Need To Know SoundExchange Benzinga.com, 3 days ago Bullish Pandora argument not compelling, says FBR Capital iMarketReports, 3 days ago
Amazon.com, Inc. (AMZN) To Take On Pandora Media Inc (P)
Amazon.com, Inc. (NASDAQ: AMZN ) is upgrading its free music streaming service on Prime Music as the e-commerce giant looks to better compete against other similar services offered by the likes of Pandora Media Inc (NYSE: P ) and iTunes. The company ...InsiderMonkey.com, 3 days ago Why Amazon's 'Me-Too' Music Service Is A-OK Benzinga.com, 2 days ago
Guest Post: Is Pandora's Licensing Deal With Classical Label Naxos Unfair to Professional Artists?
Members of the American Federation of Musicians ("AFM") continue to be deeply concerned about greed and profiteering in the music industry, at the expense of those who create music. Professional musicians deserve to be treated better. We make all ...Billboard, 2 days ago
Streaming Music Finally Makes More Money Than CDs24
Music services like Spotify and Pandora have reason to celebrate. In 2014, revenue from streaming services outpaced CD sales for the first time, according to a report released Wednesday by the Recording Industry Association of America. Streaming ...Huffington Post, 5 days ago Sales of streaming music top CDs in flat year for industry Business Standard, 1 week ago Jay-Z bought music streaming service just in time for T-Mobile deal Engadget, 3 days ago Streams outsold CDs for the first time in 2014, and even vinyl records are catching them BRW, 3 days ago
No to JSPL coal bids may open pandora's box of uncertainty
the fundamental problem with the coal auctions is the segregation of mines for power and non-power. Once you do this, the mines earmarked for power will draw only power sector players, and this automatically reduces the numbers of bidders (and bid values) for ...Money Control, 4 days ago Govt may be making a mistake in rejecting Jindal coal bids Firstpost.com, 4 days ago
Pandora Media Rating Increased to Buy at CRT Capital (P)
Pandora Media (NYSE:P) was upgraded by investment analysts at CRT Capital from a fair value rating to a buy rating in a note issued to investors on Wednesday, TheFlyOnTheWall.com reports. The firm currently has a $22.00 target price on the stock, up ...WKRB News, 1 week ago Pandora up 2.9% as CRT Capital upgrades to Buy Seeking Alpha, 1 week ago Pandora (P) Stock Up Today After Analyst Upgrade TheStreet.com, 1 week ago Pandora Media Upgraded by CRT Capital to Buy (P) SleekMoney, 1 week ago
Iran deal or no deal, the global nuclear Pandora's box has reached a far more dangerous stage
Doomsday may be closer than we think. With most of the world's focus on the Iran nuclear negotiations, little attention has been paid to a complete breakdown in the push to limit nuclear weapons proliferation on a scale not seen in years. ...Jerusalem Post, 6 days ago
Realtime News
on your WebpageAdd Widget >Get your members hooked!


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Tuesday, 31 March 2015
Last updated 5 hours ago
Mar 23 2010 | 3:29am ET
Morgan Stanley's fund of funds unit has launched a secondaries fund that will invest in private equity real-estate funds.
The firm's Alternative Investment Partners garnered $370 million in commitments for the Morgan Stanley AIP Phoenix Global Real Estate Secondaries 2009 fund. That's nearly 50% more than the fund's $250 million target.
The new vehicle will buy off-market secondary interests in opportunistic and value-added real-estate funds. It will seek out p.e. funds with sustainable strategies for generating returns, emphases on fundamentals and knowledge of local markets.
"For the first time ever, investors in private equity real estate funds are selling significant interests in the secondary market, and as a result, we are finding tremendous opportunities to acquire high quality assets at attractive valuations," said Joseph Stecher, chief investment officer of AIP Real Estate Fund of Funds. "We are focusing on best-in-class small- to mid-size fund managers globally as we seek to capitalize on several distinct advantages of investing in the secondary market, including the ability to avoid start-up costs and fees, accelerate investment programs and shorten time for realization, and effectively value underlying asset portfolios."
Strecher's team is based in New York and London.
Mar 26 2015 | 11:11am ET
Funds that mimic strategies used by active managers for a fraction of the cost could...
Mar 25 2015 | 6:51pm ET
Trouble at home leads to trouble in the market for fund managers, according to researchers...
Mar 31 2015 | 6:48am ET
Investors are languishing in a yield-starved, low-interest rate environment, looking...
Mar 9 2015 | 6:35am ET
As more investors look to diversify, many are beginning to use retirement funds to invest in alternative assets such as private equity and real estate. Kelly Rodriques, CEO & President of PENSCO Trust Company, explains how companies can connect with those looking to use their retirement accounts in a different way. Read more…
Mar 20 2015 | 12:45pm ET
StreetWise Partners, a non-profit organization that works with low-income individuals to help them overcome employment barriers, raised over $275,000 at the 2015 Raising the Ante Charity Poker Tournament and Casino Event last Wednesday evening at Capitale. Here are some photos from the event. Read more…


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P-Mation #41: A-Door-Able
Blue boy meets his lovely neighbor!4.45 / 5.00 8,217 Views
Otherworld - Quiet Luke
in da othawurld4.44 / 5.00 4,413 Views
Joe vs the Environment
In collaboration with Earth Hour 2015 and Pocoyo4.11 / 5.00 2,227 Views
Funny, pretty funny
Not bad. Most of it is funny, but not the greatest. I love your movies.
Cuter, Rikku.... cuter......
That was funny. OMG. I was rolling on floor laughing the entire way. This was excellent in many regards and I would like to see more of things like this.
Very original
I thought thst this was very good for the all ages category. It was very original and i hope that you make more animations soon
Damn funny, man!
That was really great! I loved it! It was hilarious! Very nice job! ::Claps::
was it supposed to funny?
it just wasn't funny...


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INSIDE THIS ISSUETable of Contents ◾ Back Issues ◾ Nadas Notes ◾ Newsstands
Guild Hall Offers Free Year-Round Museum Admission
Energetic patterns and unpredictable shapes are the warming trend for day wear
Read Full Article
You know how much your house costs at closing, but do you know how much everything inside it is worth? What about the boat or the Monet? Insurance policies are becoming more complex, but a few tricks of the trade could go a long way.
Read Full Article
It's tough out there. State Attorney General Eric Schneiderman chatted with political pundit Jerry Kremer about wage theft, Long Island's opiate epidemic, police tensions and more.


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Harry Styles (born 01.02.1994) Harry Styles is an English singer from the boyband One Direction.
Childhood: Harry Styles was born in Evesham, Worcestershire, England and grew up in the village of Holmes Chapel in Cheshire. His parents are Anne Cox and Des Styles but they divorced when he was 7. He attended Holmes Chapel Comprehensive School and had a job at the W. Mandeville Bakery in the village when he was 16 before auditioning for the UK TV singing competition 'The X Factor'.
Musical career: Harry Styles was first in a band called White Eskimo with lead guitarist Haydn Morris, bass guitarist Nick Clough and drummer Will Sweeny and with whom he won a Battle of the Bands competition. Among his influences are Elvis Presley, The Beatles, Foster the People, Coldplay and Kings of Leon. He auditioned for 'The X Factor' in 2010 as a solo artist but, after failing to make it to the Judges Houses round, he was put together with other solo candidates Niall Horan, Zayn Malik, Liam Payne, and Louis Tomlinson to make a new band for the Groups category at the suggestion of one of the judges Nicole Scherzinger. Harry was the band member who put forward the name 'One Direction' which was agreeable to the other members. One Direction came third place in the competition but were subsequently signed to mentor Simon Cowell's Syco Records anyway. Since forming, One Direction has won two BRIT awards, three Teen Choice awards and broke a Guinness World Record as the first British group in US chart history to open at number one in the US with a debut album after the release of 'Up All Night'.
Personal Life: Harry Styles has had various high profile relationships and is known for dating women older than him. In 2011, he dated 'The Xtra Factor' host Caroline Flack who is 15 years his senior. Flack received many death threats from die hard One Direction fans as a result. In 2012, he began dating country pop singer Taylor Swift even spending New Year's Eve together. However, they split in January 2013. Harry has more than thirty tattoos on his body.
Taylor Swift and Calvin Harris are rumoured to be dating after they were spotted shopping together in Nashville.
Taylor Swift has been romantically linked to Calvin Harris after the two were spotted together on Wednesday (25th March). They were snapped food shopping together in Nashville and the pictures, taken by an amateur photographer at the scene, have gone viral. The two, both dressed in black and grey, are not showing any public signs of affection but they have reportedly been spotted together over the past month.
Calvin Harris and Taylor Swift are rumoured to be dating.
Read More: Taylor Swift Calls Out Sat Prep Book For Misquoting Lyrics "You Had One Job Test People".
Continue reading: Taylor Swift & Calvin Harris Dating? Pair Spotted Shopping Together In Nashville
Liam Payne, Louis Tomlinson, Harry Styles and Niall Horan have shared their thoughts on Zayn Malik's departure on social media and thanked fans for their support during the past few "mad" days.
The remaining members of One Direction have shared their feelings on the departure of their former band mate, Zayn Malik. One Direction announced Malik was leaving One Direction on Wednesday (25th March). The announcement, posted on the band's Facebook page, explained how Malik wanted to move on from the band and live life as "a normal 22-year-old who is able to relax and have some private time out of the spotlight."
Zayn Malik has left One Direction.
Read More: Zayn Malik Quits One Direction, Breaks Millions Of Hearts.
Continue reading: One Direction React To Zayn Malik's Departure, Thank Fans For Support
One Direction are now a four-piece after Zayn Malik quit the group on Wednesday, a week after leaving their 'On The Road Again' tour with stress.
One Direction have confirmed that Zayn Malik has left the band, an announcement that's sure to break the hearts of millions of teenagers around the world.
Zayn explained that reason he was leaving was to "have some private time out of the spotlight" and be a "normal 22 year old". The Bradford-born star posted on the group's official Facebook page on Wednesday that's he's parting ways with 1D after nearly five years. "My life with One Direction has been more than I could ever have imagined," he said in the post.
A five-piece no more: Zayn Malik (2nd L) quits One Direction
Continue reading: Zayn Malik Quits One Direction, Breaks Millions Of Hearts
It's certainly been an emotional week for One Direction fans…
One Direction star Louis Tomlinson is single again, after splitting from his girlfriend of nearly four years Eleanor Calder. The couple's split was confirmed after tabloids published pictures claiming to be of the 23 year old and a 'mystery brunette' over the weekend.
The boys all together late last year.
"Louis and Eleanor split up two weeks ago," a rep for the band confirmed to E! News. "They have not announced this as they wanted some privacy during this time."
Continue reading: Louis Tomlinson Confirms Split From Girlfriend As One Direction Continue Tour Without Zayn Malik
Zayn left the band's tour in Asia days after he was accused of cheating on fiancée PerrIe Edwards following the publication of pictures showing him partying with another woman.
The future of the world's biggest boyband One Direction could be in doubt, following a difficult week for the group which culminated in Zayn Malik leaving their 'On The Road Again' tour due to stress. The singer, who is engaged to Little Mix's Perrie Edwards, had been accused of cheating on his fiancée last week, while the band were on tour in Asia.
Zayn left the 1D tour on Thursday
Zayn's departure from the tour was announced on Thursday by the band's publicist Simon Jones who delivered the news on Twitter writing, "1D statement: Zayn has been signed off with stress and is flying back to the UK to recuperate. The band wish him well and will continue with their performances in Manila and Jakarta." The 22 year old has since been spotted arriving home to Heathrow.
Continue reading: One Direction Fans Fear For Boyband's Future After Zayn Malik Is Signed Off Tour
Shots of British pop star and member of the boy band One Direction Harry Styles as he arrived at Los Angeles International Airport surronded by awaiting fans in Los Angeles, California, United States - Friday 2nd January 2015
1D, Niall Horan, Zayn Malik, Liam Payne, Harry Styles and One Direction - A variety of stars were photographed on the red carpet as they arrived at the 2014 NRJ Music Awards which were held in Cannes, France - Saturday 13th December 2014


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Coolink U1P2 HSF Review - U1P1 HSF - Page 3Not too many people have heard of a company by the name of Coolink, but that may change in the very near future. This company is creating some new heatsinks that aim at the overclocking crowd, but can they succeed? Come join Mike "Darthtanion" Wright as he takes a look at one of this fledgling company's coolers; namely the U1P2 HSF. Its a strange name for a strange looking cooler, but the bottom line is results, and you may just have to take a second look when you see how it performs.
As most of you know already, I recently went from the old Thunderbird to a newer Athlon XP processor. I have been running it at stock speeds during heatsink testing so that I can maintain a stable baseline for the coolers that come to TweakTown. So let's take a peek at the test system:
Antec SX1030 Tower Case w/ 170-CFM airflow
EPoX 8KHA+ Motherboard
AMD Athlon XP 1800+ Processor
512MB Crucial PC2100 DDR Memory
Prolink XX-Player GeForce3
Seagate Barracuda 40GB @ 7200-RPM
Arctic Silver II
The Athlon XP processors have lower operating temperatures than the older Thunderbirds, so I have begun a new database of results. With all of the new coolers coming out, it won't take long to build up a large list again. Testing will consist of my usual battery of programs so that we can maintain some consistency in the results. This will include temperatures being taken at idle, after a grueling Quake III Arena Deathmatch, and after a continuous looping of the 3dMark2001 Demo.
Voltages are set at 1.75v for the processor core, 2.6 for the DDR memory, and the ambient room temperature throughout testing was a stable 21.6C (about 71F). These conditions were constant with no fluctuating temperatures or voltages.
Results - Idle
Hmmm...It's beginning to look as if we may have something here. While the idle temperatures don't tell the whole story, it does tend to give us an idea as to how well the cooler can work. So now let's see what it can do when we stress the processor.
Results - Quake III Arena
This Coolink is looking better and better all the time. It's does tend to be on the loud side, but these results are making it a very workable solution. Now on to the Demo Loop test.
Results - 3DMark2001 Demo Loop
The twin fans have paid off very nicely here. If you can take the noise levels, then I think that you'll enjoy the performance levels that this monstrosity can give you. Very nice indeed.
Further Reading: Read and find more Cases, Cooling & PSU content at our Cases, Cooling & PSU reviews, guides and articles index page.
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The most gnarly piece of outerwear we saw during fashion week? Found in a viral ad for the new Old Spice Wild Collection. It's a caban/cape/overcoat thing that's so ferocious it growls and so alive that it… probably doesn't smell all that good. Yeah, so a coat made out of partially functioning snow wolves isn't a real thing (though that probably won't stop that dude from Workaholics from trying to find one). But it does represent something that is real. And smells good. It's the new Wild Collection from Old Spice, with three fresh scents that pretty much contradict the entire first half of the company's name. These are younger, more subtle — certainly not your grandfather's Old Spice. Broken down, the Wild Collection is Wolfhorn (sweet musk), Hawkridge (buttery almond cocoa), and Foxcrest (clean wood), each coming in a deodorant, antiperspirant, body wash, body spray, after shave, and cologne. They're promising and have some bite. And, well, so does the ad.
Now Trending: The Wolf Coat
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Actor Jonathan Goldsmith's off-screen life is just as interesting as the Dos Equis campaign he stars in.
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You don't have to dip into savings to upgrade your style this spring.
Finally, Clothes Covered In Big Macs
McDonald's Big Mac clothing is for those who need some special sauce in their closets.
Apple's In-Store Pitch for Apple Watch Sounds Very 'Wolf of Wall Street'
"You seem to have a fun style. I think the Pink Sport band would match your style perfectly."
More From Style


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The students were happy and seemed to love their campus and the facilities. Wonderful environment close to Denver and yet not far from the mountains.
Boulder Creek Path with a loop
South Boulder Creek Trail
Heil Ranch
Great Concert Great Program. We attended the CU Honor band concert for outstanding High School Musician from across the State. Well Done!
Two places you must visit on campus-- the Norlin Library (the stacks in particular), and the Museum of Natural History. Norlin Library is a fantastic maze-like library I used to love to find nooks to study in when I attended. The stacks are especially fun. There are several levels that become dead-silent the deeper you go. It's a good way...
Nice campus to explore in a beautiful setting. Close to their downtown area of bars and eateries. Quaint shops to explore.
I guess it's pretty nice to study in such school, nice neighborhood which provides many residence for fraternity/sorority house, really interesting names though. Parking is not that easy to find, since the roads are pretty narrow
Great campus to visit. Lots of photo ops..... There is also a Natural Science Museum you can visit for free!
Great for kids there is lots of dinosaur artifacts. Check website for opening hours.
Fall colors in autumn, powder snow in the winter, leafy green trees in the summer, theater presentations, science lectures, music in excellent venues, and a faculty with 4 nobel prize winners.
The University is made up of many red stone buildings and with the flatirons and a background it is very impressive. The grounds are fun to walk around.
While not looking at the college specifically, we did drive and walk around the campus (so very pretty!) and attended a UC v. Washington football game (super fun!). Work a drive by just to see the distinctive architecture and mountains that surround it
The location of this beautiful campus could not be any better. The backdrop is the Rocky Mountains with the Flatirons prominently visible. Many students and tourists climb the steep rocks for a challenge. The architecture of the buildings is Tuscan style with new buildings maintaining the theme. As you walk around the campus, it's size becomes apparent. It is quite...
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