text:
Review | Dates to Watch For | Follow-Up | U.S. Economic Calendar | Consensus Estimates | Coming Earnings | Coming U.S. Auctions
Target-date mutual funds, whose asset mix becomes more conservative as retirement nears, have grown to $376 billion in 2011, from just $12 billion in 2001. But a recent paper by Research Affiliates rejects the idea that such a strategy is likely to yield a bigger nest egg.
By simulating three different "glidepath" strategies over 141 years, the money manager concluded that a typical target-date fund strategy would have yielded, on average, less than a constant 50-50 stock/bond portfolio, and that an inverse strategy, which became more aggressive closer to retirement, would have trumped both.
Ouch! Investors may forfeit higher returns by turning defensive just when they have the money to make a big difference. William Waitzman for Barron's
Rob Arnott, Research Affiliates' chairman, isn't advocating the inverse strategy. But he says that historically the typical glidepath's "fatal flaw" has been to move to a defensive posture just when the investor has enough money to do something with it.
Moreover, he says, such a strategy is "doubly risky" today because it pushes more and more investors into assets that have "a negative real return at a time when they desperately need to build a retirement nest egg."
His advice? "If an investor sensibly responds to changing market conditions, he won't need a formulaic approach." Ergo, take a half-day, even once a year, to rebalance your portfolio.
Next Week: Preview
Monday 8
U.S. fixed-income markets are closed in observance of Columbus Day.
Tuesday 9
The National Federation of Independent Business (NFIB) index, a measure of small-business optimism, is seen rising to 93.5 in September.
Aluminum producer Alcoa AA -1.3975155279503106% Alcoa Inc. U.S.: NYSE USD12.7 -0.18 -1.3975155279503106% /Date(1427490019171-0500)/ Volume (Delayed 15m) : 16827929 AFTER HOURS USD12.69 -0.00999999999999979 -0.07874015748031496% Volume (Delayed 15m) : 165557 P/E Ratio 60.476190476190474 Market Cap 15522904979.2717 Dividend Yield 0.9448818897637795% Rev. per Employee 404780 More quote details and news » ushers in the third-quarter earnings season.
Deutsche Bank Leveraged Finance Conference begins in Scottsdale, Ariz.
The FDIC board finalizes a rule for annual stress tests for state-chartered banks with at least $10 billion in assets.
European Central Bank President Mario Draghi will speak at a public hearing at the European Parliament in Brussels.
Wednesday 10
The Bureau of Labor Statistics releases the job-openings and labor-turnover survey (JOLTS) for August.
Inventories at U.S. wholesalers could show a rise of 0.4% in August, according to economists' median forecast.
The Fed issues its Beige Book summary of regional economic activity.
Realogy Holding, the largest residential real-estate brokerage firm in the U.S., is expected to price its initial public offering.
OPEC publishes its monthly oil-market report.
Thursday 11
The median forecast for initial jobless claims for the week ended Oct. 6 calls for a decline to 365,000 from 367,000.
Economists estimate the August deficit widened by $2 billion from a previous $42 billion, due mainly to higher oil prices, according MFR.
Higher oil prices are expected to fuel an uptick in import prices.
Vice President Joe Biden and Rep. Paul Ryan will debate in Danville, Ky.
A Manhattan bankruptcy judge will review a deal to let the U.S. broaden its probe of MF Global Holdings.
Initial public offering for Direct Line Insurance Group, Britain's largest motor insurer, could draw $1.6 billion.
Federal Reserve Vice Chairman Janet Yellen speaks in Tokyo on Japan's position in the global economy.
Friday 12
September producer price index (PPI) is seen rising 0.7%, according to MFR, while the core index, excluding energy and food, inched up 0.2%.
The preliminary October University of Michigan consumer-sentiment index is released.
Wells Fargo WFC -0.6972477064220184% Wells Fargo & Co. U.S.: NYSE USD54.12 -0.38 -0.6972477064220184% /Date(1427490032437-0500)/ Volume (Delayed 15m) : 13173708 AFTER HOURS USD54.06 -0.0599999999999952 -0.11086474501108648% Volume (Delayed 15m) : 426578 P/E Ratio 12.948917334609403 Market Cap 278479052589.86 Dividend Yield 2.5868440502586845% Rev. per Employee 340658 More quote details and news » and JPMorgan Chase JPM 0.016795431642593214% JPMorgan Chase & Co. U.S.: NYSE USD59.55 0.01 0.016795431642593214% /Date(1427490085520-0500)/ Volume (Delayed 15m) : 11478311 AFTER HOURS USD59.59 0.0400000000000062 0.06717044500419815% Volume (Delayed 15m) : 277508 P/E Ratio 11.172607879924954 Market Cap 222021035607.671 Dividend Yield 2.686817800167926% Rev. per Employee 403805 More quote details and news » are expected to report that third-quarter earnings rose from a year earlier.
Week's Highlight
Thursday 11: After the surprising drop in the jobless rate last week, weekly jobless data should draw even more attention.
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text:
Deputy Federal Railroad Administrator Karen Rae was named Woman of the Year by the Women's Transportation Seminar (WTS), an international organization dedicated to the professional advancement of women in the transportation field.
With 35 years of knowledge and expertise, Rae was selected to receive this top honor by her peers in transportation for her decades of leadership building transit and passenger rail systems across the country. Appointed by President Obama in March 2009, Rae serves as the second highest-ranking official of the Federal Railroad Administration (FRA), where she leads day-to-day agency operations, overseeing the nation's rail network. With a focus on leveraging state DOT partnerships, she plays a leading role in FRA's efforts to successfully implement the President's vision for high-speed intercity passenger rail that will connect 80 percent of Americans to fast and efficient rail service in the next 25 years. Speaking at the WTS annual meeting in San Francisco, U.S. Transportation Secretary Ray LaHood said, "We are extremely proud of Karen. Thanks to her leadership and enthusiasm, we are moving forward, building the nation's first innovative, high-speed rail network. She is a trailblazer among women in transportation and her passion for giving Americans a choice in how they travel speaks to her dedication, perseverance and hard work." Deputy Administrator Rae is dedicated to the advancement of women in transportation-related fields. Over the years, Karen has mentored a variety of young professionals, most recently, serving as a mentor for the Washington, D.C. chapter of WTS. She was an early advisor in the development the U.S. Department of Transportation's pilot program to engage more girls and women in the transportation field. Rae began her career in transportation at the age of 18, working as a monorail operator in Hershey, Pa. From there, her focus on moving people and goods continued and she became a seasoned industry expert with a diverse background in transit, rail and public transportation.
Prior to joining FRA, Rae served in several senior transportation policy and management positions in state and municipal government, including appointments as deputy commissioner of policy and planning at the New York State Department of Transportation (NYSDOT); deputy secretary for local and area transportation at the Pennsylvania Department of Transportation (PennDOT); and director of the Virginia Department of Rail and Public Transportation. Earlier in her career, she worked for 18 years as director and GM of transit systems in Austin, Texas; Glens Falls, N.Y.; and Buffalo, N.Y.
The train wreck, which occurred in the early morning of March 24, 2014, when the operator allegedly fell asleep, injured more than 30 people and caused roughly $9 million in damage. The lead railcar had to be cut up to remove it from the escalator.
The vehicle, which was a designed and built by Brookville Equipment Corp., will be the first streetcar in the U.S. that utilizes wireless traction power.
Opened in 1935, Newark Penn Station is listed on both the State and National Registers of Historic Places. The station was originally designed and still operates as an intermodal facility serving pedestrian, taxi, bus and private vehicle traffic generated by the more than 50,000 transit customers who use the station each day.
Part of the problem is an aging fleet, according to officials. Calgary Transit placed a $200-million deal in 2013 to buy 60 new light rail vehicles; however, those vehicles will not be operational until 2016.
The new trains for Hermann-Hesse railway line will be completely emission-free. In times of increasing energy costs and higher level of pollution, the development of this technology is essential.
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text:
LaHave Bank
Marine Forecast
Issued 08:00 PM ADT 26 March 2015
Tonight and Friday
Gale warning in effect.
Wind southwest 20 to 25 knots increasing to southwest 35 late this evening then diminishing to southwest 25 early Friday morning. Wind diminishing to north 15 near noon Friday then veering to northeast 20 Friday evening.
Periods of rain. Risk of thunderstorms tonight and Friday morning. Fog banks dissipating Friday afternoon.
Issued 05:00 PM ADT 26 March 2015
Tonight and Friday Seas 2 to 3 metres building to 3 to 4 early this evening and to 4 to 6 late overnight. Seas subsiding to 3 to 4 Friday afternoon.
Extended Forecast
Issued 03:30 PM ADT 26 March 2015
Saturday Wind northeast 25 to 35 knots.
Sunday Wind northwest 15 to 20 knots diminishing to light late in the day.
Monday Wind southwest 15 knots.
Ice Forecast
Issued 10:00 AM EDT 26 March 2015 Today Tonight and Friday Ice free.
Stay connected
Weather Conditions
Zoom-in to make a selection
Land Station
Ice Conditions
Ice ForecastsIssued 10:00 AM EDT 26 March 2015 Today Tonight and Friday
Ice EdgeFirst ice edge estimated from Nova Scotia near 4440N 6250W to 4350N
6050W to 4435N 5730W to 4725N 5740W to Newfoundland near 4720N
5520W. Sea ice north of the ice edge.
Second ice edge estimated from New Brunswick near 4520N 6530W to
4505N 6525W to 4425N 6620W Nova Scotia near 4415N 6605W. Sea ice
north of the ice edge.
Ice Coverage
Ice free.
Iceberg BulletinIssued 11:00 AM EDT 26 March 2015
Iceberg LimitIceberg limit at 0000 UTC 26 Mar estimated from Newfoundland near
4636N 5335W to 4445N 4800W to 4445N 4700W to 4715N 4230W to 5000N
4300W to 6000N 5800W.
Western iceberg limit at 0000 UTC 26 Mar estimated from Quebec near
5118N 5759W to Newfoundland near 5042N 5724W.
Iceberg CountNo confirmed icebergs.
Warnings (In effect)
Gale warning in effect
LaHave BankIssued 8:00 PM ADT 26 March 2015
'Gale' force winds of 34 to 47 knots are occurring or expected to occur in this marine area. Watch for updated statements. Please refer to the latest marine forecasts for further details and continue to monitor the situation through Canadian Coast Guard radio or Weatheradio stations.
Technical Marine SynopsisIssued 8:00 PM ADT 26 March 2015 Tonight and Friday At 8:00 p.m. ADT tonight trough located on a line
northeast-southwest over New England.
By 9:00 p.m. ADT Friday trough located from Georges Bank to
Marine Weather StatementIssued 7:52 PM ADT 26 March 2015 A trough of low pressure will approach the marine waters from the
west tonight. The trough will slowly move through the western
Half of the district on Friday to eventually lie on a line from
Georges Bank to Banquereau by Friday evening. Strong to gale force
southwesterlies ahead of the trough shift to moderate to strong
northerlies behind it.
Marine interests are advised that gale warnings are in effect for
Lurcher..Browns Bank.. Georges Bank.. Southwestern shore.. Lahave
Bank.. West Scotian Slope.. Sable.. East Scotian Slope..
Southern half of Banquereau and Laurentian Fan. A freezing
Spray warning is in effect for Anticosti.
Atlantic - Maritimes Area
- Anticosti
- Banquereau - northern half
- Banquereau - southern half
- Bras d'Or Lakes
- Browns Bank
- Cabot Strait
- Chaleur - Miscou - eastern half
- Chaleur - Miscou - western half
- Eastern Shore
- East Coast - Cape St. Francis and south
- East Scotian Slope
- Fourchu
- Fundy
- Georges Bank - northern half
- Georges Bank - southern half
- Grand Manan
- Gulf - Magdalen
- Gulf - Port au Port
- Halifax Harbour and Approaches
- LaHave Bank
- Laurentian Fan
- Lurcher - eastern half
- Lurcher - western half
- L'Isle-aux-Coudres to Tadoussac
- Northumberland Strait - eastern half
- Northumberland Strait - western half
- Pointe à Michel to Pointe-des-Monts
- Pointe-des-Monts to Anticosti - northern half
- Pointe-des-Monts to Anticosti - southern half
- Sable
- Southeastern Grand Banks - northern half
- Southwestern Grand Banks
- Southwestern Shore
- Southwest Coast
- South Coast
- Tadoussac to Pointe à Michel
- West Scotian Slope - northern half
- West Scotian Slope - southern half
Another Region
- Arctic - Eastern Arctic
- Arctic - Western Arctic
- Atlantic - Labrador
- Atlantic - Maritimes
- Atlantic - Newfoundland
- Great Lakes - Lake Erie and Lake Ontario
- Great Lakes - Lake Huron
- Great Lakes - Lake Superior
What we are doing
Weather Forecasts
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- Date modified:


text:
College Basketball Nation: Jarell Eddie
Gophers win first game without Mbakwe
December, 1, 2011
By Myron Medcalf | ESPN.com
MINNEAPOLIS -- When forward Trevor Mbakwe tore his ACL on Sunday, Minnesota's hopes of winning its Big Ten/ACC Challenge matchup against Virginia Tech on Wednesday – or any game, really – seemed to dwindle.
But adversity rarely arrives alone. During the past three seasons of Gophers basketball, it's come in truckloads.
So it was only fitting that Minnesota's tenure without Mbakwe – the senior will miss the rest of the season after suffering the injury during a loss to Dayton in the Old Spice Classic final in Orlando, Fla. – commenced with more bad news. Starting center Ralph Sampson III was sidelined with an ankle injury Wednesday.
And yet, a Minnesota starting lineup that featured two freshmen, a 6-foot-7 power forward who hadn't played the position full-time since high school, a junior-college transfer making his first start for a major Division I program and a sophomore who'd suddenly become one of the team's key veterans managed to thrive.
The Gophers regrouped and adjusted without Mbakwe and Sampson in the lineup and toppled the Hokies 58-55 in a game that wasn't decided until the final seconds. The Gophers now have a 5-8 record in the Challenge.
Rodney Williams, the team's new power forward, scored 14 points and grabbed 8 rebounds. Julian Welch, who played junior-college ball last season, manned the starting point-guard slot and recorded 15 points. Redshirt freshman Elliott Eliason finished with 8 points, 7 rebounds and 2 blocks. Freshman Andre Hollins and sophomore Austin Hollins – no relation – combined for 3 steals.
"It took a full team effort. Once we heard that [Trevor] was going down, we came to practice the next day and we found out that Ralph wouldn't be playing, either. Everybody just took it upon themselves to get two really good days of practice in. And we came out ready today," Williams said.
Erick Green scored his last bucket (he had a game-high 25 points) with 23 seconds left, giving the Hokies a 55-54 lead. But a Jarell Eddie foul put Welch on the free-throw line. He hit both shots and the Gophers gained a 1-point edge.
[+] Enlarge
AP Photo/Jim MoneJunior-college transfer Julian Welch scored 15 points, including the winning ones, for Minnesota.
Then, Robert Brown bobbled the inbounds pass and crossed midcourt on Virginia Tech's next possession, a backcourt violation. It was a crucial turnover. Welch was fouled and went to the line and hit two more free throws as the Gophers stretched their lead to 3 in the closing seconds. Green's 3-point attempt at the buzzer fell short.
The two-thirds-full Williams Arena vibrated as the Gophers dismissed their circumstances and bounced the Hokies back to Blacksburg, Va., in the latter's first true road game of the season.
Virginia Tech suffered a loss that could haunt coach Seth Greenberg's squad down the line. The Hokies shot 37.7 percent from the field. They committed a dozen turnovers. And although the Gophers only hit 2 of 13 3-pointers, Virginia Tech couldn't contain them inside, where they scored 65 percent of their points.
When the college basketball world learned about Mbakwe's season-ending injury Monday, the consensus was that Minnesota's NCAA tournament aspirations were shot. Some even projected a finish at the bottom of the Big Ten standings.
Both remain possibilities.
The Gophers might be riding the temporary emotions sometimes spurred by a major setback. So it will take a few games before we know who these Gophers – playing without a potential All-America the rest of the season – really are.
But their quick turnaround during their biggest nonconference matchup suggests that they possess the mental fortitude to reinvent themselves in time to salvage the season.
They'll never be who they could've been with Mbakwe in the lineup. But they're clearly not ready to wave a white flag on their season. And that's a good sign for a young team transitioning to its new identity.
"This group of guys, we all stayed together, we got the stops we needed," Williams said.
Mbakwe delivered a pregame speech that inspired players. Welch wouldn't reveal the details of Mbakwe's message. He said its contents were "team confidential."
What's not a secret, however, is that the Gophers have more battles in their future. And they'll have to continue to find ways to win without their best player, who's just a cheerleader now.
Rapid Reax: Syracuse 69, Virginia Tech 58
November, 23, 2011
By Kieran Darcy, ESPN New York | ESPN.com
NEW YORK -- A quick take on No. 5 Syracuse's 69-58 victory over Virginia Tech in the NIT Season Tip-Off semifinals at Madison Square Garden:
What it means: Syracuse improves to 5-0 on the season and advances to the tournament championship game. Coach Jim Boeheim said before this game that his team hadn't been challenged yet this season -- well, it was challenged tonight, and it passed the test.
The skinny: Virginia Tech, picked to finish sixth in the ACC, got out of the gate fast -- in fact, the Hokies led for the entire first half. Their largest lead was 7, but Syracuse cut the halftime deficit to 29-27 on a C.J. Fair bucket right before intermission. Jarell Eddie, who was scoreless in Virginia Tech's last game, had 9 first-half points to lead the Hokies. Kris Joseph kept Syracuse in the game with 12 first-half points and 6 rebounds.
Syracuse finally took its first lead of the game on a Fair dunk with 12:11 remaining in the game. That was part of an 11-0 run that brought the Orange from down 42-39 to up 50-42 and in firm control. Dion Waiters scored 9 consecutive points in one second-half stretch for Syracuse. Virginia Tech never got closer than 5 points down the stretch.
Multiple weapons: This Syracuse team is extremely deep -- so many different people can hurt you offensively. In this one, Joseph was the main man with 20 points, but Brandon Triche (18), Fair (12) and Waiters (11) were all in double figures -- the last two coming off the bench. Joseph and Fair also had 10 rebounds apiece. Scoop Jardine had just 2 points on the night, but the Orange were just fine. Virginia Tech had a balanced attack as well, with three players in double figures, led by Eddie with 17 points.
Stat crunch: Syracuse got 11 more shots from the field in this game. The Orange had just 9 turnovers, while the Hokes had 16. And SU won the rebounding battle 32-27, including 12-8 on the offensive glass.
What's next: Syracuse will play Stanford in the championship game Friday at 5 p.m. ET. Virginia Tech will play Oklahoma State in the consolation game at 2:30.


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You can now invite anyone to meet at your favorite Starbucks.
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27 year old man | Miami, FL, USA | Seeking women 20-30 within 10 miles
I'm an old soul that just wants to experience life and all of the happiness it offers.
My primary intention when it comes to this site is to make a few new friends, and maybe to even find someone that wants to see where things go after meeting me a few times. I am a professional scatterbrain, writer, and contrivist. Dilettante: - Photographer - Cook - Architect - Student of the Humanities - Comedian - Grammarian - Global Nomad I love to make light of everything, and to find the funny in all of life's offerings. If you like to laugh, and particularly if you're secure enough to laugh at your own expense, you will have an easy time making it onto my list of favorite people. I value happiness and intimate settings over stress and crowds, though sometimes to a fault. I'm much more likely to invite you to a low-key place than a night club, especially if I'm getting to know you- it's really hard to learn things about people when you're fighting with 1900 decibels of dubstep. I make the assumption that you're not interested if I message you and don't get a response. I try to avoid being obnoxious with the messages for everyone's sake, so don't expect me to send you more than 1 unless you reply to the first. TL;DR : I'm pretty awful.
Coffee and conversation , Cooking , Dining out , Museums and art , Music and concerts , Exploring new areas , Performing arts , Travel/Sightseeing , Watching sports
Dancing, Football, Soccer, VolleyBall, Walking / Hiking
I don't believe in astrology
I like Dogs
I prefer more moderate and cooler temperatures.
Florida International University, Miami, FL
Intelligent conversation, live jazz and solo music, laughter, walking, good food, new experiences, and funny people
I enjoy doing things that allow me to interact with people on a personal level. I also like to write and innovate.
Re-read Orwell, 1984
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My ancestry includes a long line of short, handsome, loving, lovable, and passionate Italian men; I am my father's son.
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I will never belittle someone for religious beliefs, but please refrain from forcing yours upon me.
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I will be starting grad school very soon, and I plan to complete a PhD within the next 8 years.


text:
Pronunciation: Aberporth
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Weather Links
Humidity 84%
Winds 5.8mph
Sponsored by: Arceneaux Ford
Humidity 84%
Winds 5.8mph
Nov 6, 2013 8:08 AM by Kristen Holloway
The Acadiana Mall is getting a facelift and there's a lot to be excited about with all the upgrades, new stores and new look.
In honor of this, organizers are hosting a grand celebration this weekend for its multi-million dollar renovation.
3 months ago


text:
Artist In Residence Joy Keown Donates Painting To Rocky Mountain National Park
Artist Joy Keown just received word that her watercolor painting "Across The Valley" has been selected for Rocky Mountain National Park's permanent collection. Vaughn Baker, Park Superintendent writes "Your painting captures the spirit of Rocky Mountain National Park and we are happy to have it in our collection." Joy was one of six artists selected for a two-week residency in Rocky last summer. Rocky Mount ...Read more ›


text:
*Please note that after the final pick-up day listed,
cards and/or certificates will be mailed out.
Certificates for the following classes/seminarswill be available for pick-up untilThursday, March 5, 2015International Certificates:INDOOR AIR QUALITY (IAQ)TESTING AND BALANCINGSeminar Certificate:FLUKE VIBRATION CERTIFICATE
If you have any questions, please contact the Education Department
at 312-372-9870 Ext. 4000


text:
Sleep Inn & Suites Austin - Northeast
8410 Highway 290 East
Austin, TX 78724
Phone: (512) 524-5400
Fax: (512) 524-5401
Arts & Museums
Elisabet Ney Museum
304 East 44th Street
Austin, TX 78751
+1 512 458 2255
We to Su from 12:00 PM to 05:00 PMThe former home and studio of German sculptress Elisabet Ney is open to the public for exploration. This home was one of the first buildings erected in the Hyde Park neighborhood, which was developed as a suburb in 1892 by Monroe Martin Shippe. Visitors flock to this museum to view nearly 50 busts and statues of Texas heroes, as well as Europeans she sculpted as a young artist. Her tools and several personal items are also on display. Admission is free.
Earn valuable points toward free nights.


text:
3 Results
HBR's 10 Must Reads Boxed Set125.00You want the most important ideas on management all in one place. Now you can have them--in a set of HBR's 10 Must Reads, available as a 6 volume paperback...
Magazine article
Back to the CityTechnology & Operations Magazine articleThere's a major cultural and demographic shift away from suburban sprawl. Businesses need to understand it and plan for it.
Ebooks: Getting Beyond DisruptionInnovation ArticleAt O'Reilly Media's Tools of Change for Publishing conference in New York this week, book industry dreamers and doers gathered, as they do every year, to learn how to capitalize on the incredibly disruptive force of digital media. This year marked a critical shift, however. With the advent of a plethora of ereading devices, the […]
Eunice Kennedy Shriver's Strategic VisionCommunication ArticleThis week, friends and family gathered on Cape Cod to mourn the death of Eunice Kennedy Shriver. Beyond the mystique of her family connection, it is Shriver's tireless work on the behalf of the mentally disabled that commands our remembrance and interest. Particularly interesting is the strategic way in which she communicated her vision for […]


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Curt TruTrack Weight Distribution System Review- Video
Trailer Hitch Installation - 2003 Pontiac Sunfire - Draw-Tite- Video
Trailer Brake Controller Installation - 2011 GMC Acadia- Video
Lets Go Aero Slide Out Enclosed Carrier Review- Video
Lets Go Aero Slide Out Enclosed Carrier Review- Video
Fulton Trailer Fenders F008549 Review- Video
Rampage Trail Top Soft Top Kit Review- Video
Pro Series Roof Cargo Carrier Review - 2015 Volkswagen GTI- Video
Today on our 2015 Volkswagon Golf GTI, we'll doing a test fit of the Pro Series Big Sky Rooftop Mounted Cargo Basket. As you can see, we've already got it up here on our round bars. It's going to be 43 inches long by 35 inches wide and have a 135-pound weight capacity in a sturdy steel construction. It's going to be Part Number PS63156. We already got three legs on it and we'll go ahead and show you how to do the last set. You'll have metal bracket, a metal U-shape bracket.more
Swagman Hitch Bike Racks Review - 2015 Volkswagen GTI- Video
Today, on our 2015 Volkswagen Golf GTI, we'll be doing a test fit of the Swagman trail head. This will your hanging style four bike rack, for 1-1/4" and 2" hitches. It's going to be part number S63380. With this class 1 receiver that we have here today, which is 1-1/4", it's only going to be able to hold a max capacity of two bikes on this four bike rack. Let's go ahead and plug it into our receiver that we have here. Once you get it inserted, let's go ahead and line up our pinholes and insert our anti-rattle bolt. This anti-rattle bolt's going to help to eliminate a lot of the sway, rattle, and wobble that we may have in our bike carrier.more
Thule Hitch Bike Racks Review - 2015 Toyota Highlander- Video
Today on this 2015 Toyota Highlander, we'll be test fitting the Thule Vertex Swing 4 Bike Rack, that's part number TH9031XT. This is for 2 inch hitches. We go ahead and begin by inserting our shank into our receiver and line up our pin holes. All right that looks about right and we'll take our included anti rattle bolt and thread that through on the passenger side here. Adjust that a little bit. All right.more
Cipa Dual-View Clip-On Towing Mirror Installation - 2001 Toyota Tacoma- Video
Trailer Hitch Installation - 2013 Hyundai Veloster - Curt- Video
Yakima RocketBox Pro Roof Cargo Carrier Review - 2015 Ram 1500- Video
Today on our 2015 RAM 1500, we're going to be doing a test fit of a Yakima Rocketbox Pro 11. This is going to be your 11 cubic feet of storage space which is going to be great with its elongated space for your skis and snowboard with your gear, maybe even your fishing poles if you want something longer to get everything in and keep them nice and dry. It's going to come with a nice, black plastic finish. It's Part #Y07193. If you look up on top of our Dodge RAM, you'll see that we have the whispbar flush-mounted roof rack system. We're going to go ahead and put this up on top of there today. Go ahead and rotate your box and set it up on top like so.more
MagnaFlow Turbo Back Exhaust System Installation - 2003 Ford F-250- Video
TracRac TracONE Ladder Racks Review - 2015 Ram 1500- Video
Today on our 2015 Ram 1500, we're going to be doing a test fit of the TracRac TracONE Bed Mounted Ladder Rack System, it'll be part number TA2700-01. As you can see, we got it laid out here on the table and we already have one installed so you can see what it looks like in the bed of the truck. We're going to go about putting it altogether and installing it on the truck and I'll go through the parts. For each rack, you're going to have two rubber strips that are going to go underneath of the ends against your bed rail in case if you have a naked bed rack or bed rail and you don't have any caps or a bed liner. That way it protects your paint. Then, you're going to have your clamps, your C-clamps that will go over the ends, and if you look down here, I'll show you just how they go on. You'll have a flat piece here and then you'll have your C-clamp, normal style, but you'll have to set it above three threads up, place it over the bed rail before the rack, place the end on, and then slide it under the bed rail and where it meets up. I think it'll thread it in. You'll have two clamps for each side and then also I'll go over how to adjust it.more
Thule Truck Bed Bike Racks Review - 2012 Ram 1500- Video
Redline Trailer Fenders F55X1925-1R Review- Video
Today we're going to be taking a look at part number F55X1925-1R, this is Redline Single Axle Trailer Fender. This is a wield on application. You can see here on the backside of the fender it has a nice 90 degree angle, that's going to help you get it mounted onto your trailer. It is also going to feature a nice raw steel finish, it requires less prep work when you are ready to wield this on for your installation. It is going to be made from a 16 gauge steel construction. It is going to have that nice 1 inch radius lip here on the front of the fender. This is for single axle trailers with an 8 inch diameter wheels.more
Curt Accessories and Parts C20001 Review- Video
Today we're going to review part number C20001. This is the Curt 6-point hex wrench for trailer hitch balls with 3/4 inch or 1 inch diameter shanks. This is a sturdy, easy ball wrench which makes it easy to tighten down your trailer hitch ball to your ball mount. Measures about 15 inches in length. Does use the 6 point hex pattern, so it won't strip out the nut. Works better than any of the 12 point hex patterns This does have 2 different size hex heads on it.more
Thule Truck Bed Bike Racks Review - 2012 Ford F-250 and F-350 Super Duty- Video
Speaker: Today, on our 2012 Ford F250, we will be doing a test fit of the Thule Gate Mate. This is going to be your 62-inch model of the tailgate cover pad so you can put your bike up on the back side of your vehicle. We're going to show you how it goes on and how it looks. First thing you're going to want to do is undo your straps and place it over the tailgate. This part number is going to be TH824. It will go on just like that. Then, these straps are going to run underneath the tailgate and around through the bed of the truck.more
Thule Ladder Racks Review - 2012 Ford F-250 and F-350 Super Duty- Video
Today on our 2012 Ford F-250, we'll be doing a test fit of the Thule Exporter Pro. This is going to be your bed-mounted ladder rack system, with a 450 pound weight capacity, and be sturdy aluminum constructed. As you can see up top, you also get your stops for your cargo. Those are steel brackets with a twist knob to tighten then down. These are fully adjustable with height, and simply to do that, all you're going to do is get your measure for the top peak of your cab down to your bed. Then I'll tell you on the inside of these, if we can turn to that one right there, you'll see all the numbers here. That will be however tall it is.more
TracRac TracONE Ladder Racks Review - 2012 Ford F-250 and F-350 Super Duty- Video
Today on our 2012 Ford F250 we're going to be doing a test fit of the TracRac TracONE. This is going to be your bed-mounted ladder rack system, part number TA27000-01. As you can see we've already got it up here mounted into our vehicle. I'm going to go through how to put it all together and get it fitted to your particular vehicle. If you look up top you'll see the caps on the end. They will come off. They'll come off by loosening up this Alan bolt that's right here inside this rail.more
SportRack Roof Rack Review - 2010 Ford Edge- Video
Today on our 2010 Ford Edge, we're going to be doing a test fit of the Sport Rack Semi Custom roof rack. Now by semi custom it comes already put together. All you need to do is adjust it per the instructions to whatever number it says to adjust them for your vehicle. You do some minor adjusting, pretty much throw them up there, and you'll have it look like the one that's up here on the front. The only thing that I could advise as far as us putting it on the vehicle is you need to really keep an eye on this rubber seal, because it tends to want to push itself under or over, depending on what kind of vehicle you have. Just make sure that you maintain that full contact with that rubber seal so you don't get the metal apart rubbing on the vehicle. This is will be part: SR1010.more
Thule Roof Cargo Carrier Review - 2007 Acura MDX- Video
Today on our 2007 Acura MDX we're going to be doing a test fit of the Thule Canyon Rooftop Mounted Cargo Basket. It's going to be 49" long by 40" wide with a 6" depth and 150 pound weight capacity. We do have it mounted onto our Thule AeroBlades today. We also have three of the feet installed. We'll show you how this last one goes on and what it looks like. We'll go ahead and slide under our U bolt, and make sure the threads are out as much as you can. Press the washers up to the bottom side of the wing nut.more
Pro Series Roof Cargo Carrier Review - 2007 Acura MDX- Video
Today on our 2007 Acura MDX, we're going to be doing a test on the pro-series big sky rooftop mounting cargo basket. It's going be 43" long, 35" wide, and have 125 pound weight capacity. Part # PS63156. First thing we're going to do today, is go ahead and show you how to assemble the foot packs and put them on, being that we already have three on the vehicle. It is also mounted onto the arrow-blade style rack but can be compatible with even your round bars, your square bars, or any other type of factory roof system that you may have. It might be compatible with it. Just check the fit guide. When we go through this, you'll have your piece that goes on top of your bar system.more
Trailer Wiring Harness Installation - 2011 Chevrolet Equinox- Video
Today on our 2011 Chevrolet Equinox, we're going to be installing the Tow Ready T-One vehicle wiring harness with the 4-pole flat trailer connector, part number is 118494. Here's what our wiring kit is going to look like. You can see we've got a yellow and brown wire. It's going over to the driver side. They got the T-connector, you see we've got an in-line connector right here, will separate the light, plug it in either side of the factory connection. Do that on both sides. The green one, single green wire that goes over to the passenger side, and this is what we're after. Of course, that's the 4-pole wiring.more
Yakima FarOut Pro Expandable Rooftop Cargo Bag Review- Video
Curt Trailer Hitch Anti-Rattle Kit Review- Video
Rola Ladder Racks Review - 2015 Ram 1500- Video
Today on our 2015 Ram 1500, we'll be doing a test fit of the Rola Pick-Up Bed Ladder Rack System. This is going to be part number 59742. I'm going to show you how to put it together and get that last one on here. As you can see up here on the ladder rack, we've already fit it to the bed width. Simply to do that, all you'll need to do is loosen up these and make sure you take off the end cap with your key. Then you'll be able to adjust it from side to side to fit whatever bed width you have. You can see the front one's already on here.more
Whispbar Roof Rack Review - 2015 Ford Explorer- Video
Today on our 2015 Ford Explorer Limited, we're going to be doing a test fit of the Whispbar Bar-Mounted Roof Rail System, Part Number WB-S47. As you can see, we have the factory roof rails installed on this Explorer and we've already assembled and put on one of the Whisbars, so that's what it will look like when it's on there. This is spaced out to where we'll have a 28-inch crossbar spread. This is about 11 1/2 inches off the back and mounted just right underneath of the middle bracket for your factory roof rail system. Pretty much as far as you can get it under there, so it's fixed and ready to go. We'll go ahead and show you how the front one goes on. So, just go open up the door here and we'll step up.more
Rola Roof Rack Review - 2015 Ford Explorer- Video
Today on our 2015 Ford Explorer Limited, we're going to be doing a test fit of the Rola Roof Racks Sport Series Roof Rack System. This is going to be 55 inches long and if you look here we already have our factory roof racks and one installed on the backside. A few things I want to show you on this is that if you undo the end cap, this locks and it will actually secure your foot pads in place for coming out as well as if you undo this one here, it will undo the turning mechanism that loosens and tightens with the rod here, your threaded cable and this will tighten up your tension around your bars. We'll go ahead and get it on here. All right we already mounted up our back one here to right behind the factory fix point and we are going to mount this one between 24 and 32 inches for our crossbar spread. We are going to come in a little bit here. We'll say 29 inches and once we've get it there we'll go ahead and tighten down this side and move to the other side.more
Wagan 12V Power Accessories 02294 Review- Video
Today we're going to review part number 02294. This is the Wagon 1000 Watt AC Inverter, with the 3 AC outlets, and this has a 2500 watt peak power. This will convert to 12-volt DC power to a 115-volt AC power. It also includes these 2 36" long six-gauge wires; one's red, one's black, and they have the ring connectors on each end to connect directly to your battery. Basically what you would do is take these wires right here, just unscrew these knobs, connect your wire to that. The other ring connector would connect directly to the battery. Again, those wires are about 36" in length. Once you install this, this will allow for operation and charging of electronics in your vehicle. Again, it has the 3 household AC outlets.more
CE Smith Trailer Fenders CE17700ATB Review- Video
Today we're going to review part number CE17700ATB. This is the CE Smith Aluminum Tread Plate Single Axle Trailer Fender for 8 inch wheels. Now this round fender cover will cover 1 tire on your single axle trailer and it will act as a splash guard, keeps sending road debris from hitting other vehicles and it will help protect your trailers cargo. It has the diamond tread playing which provides a nice stylish look, a non-slip surface also. It's made of a sturdy lightweight 14 gauge aluminum construction which will help resist corrosion. This is a bolt on installation. It does require the use of mounting brackets.more
CE Smith Trailer Fenders CE17700G Review- Video
Today, we're going to review part number CE17700G. This is the CE Smith Pre-Galvanized Steel Single-Axle Trailer Fender for 8 inch wheels. This round fender will cover one tire on your single-axle trailer. It does act as a splash-guard, helps keep road debris from hitting other vehicles, and it'll help protect your trailer's cargo. It's made of a sturdy pre-galvanized 16-gauge steel construction, and this can be primed and then painted to provide even more resistance to corrosion and to match your trailer's paint finish. A little background, basically, on the pre-galvanized steel parts: they are stamped from a sheet of steel after it already has been galvanized, so what happens is the edges of the pre-galvanized parts often lose their zinc coating during the stamping process. Because of this, the thinness of the coating, of the zinc, which is usually like less than a millimeter, and the fact that these edges remain exposed, these pre-galvanized parts can begin to oxidize and rust quickly, so it is recommended that they should be primed and then painted. This is a bolt-on installation.more
Optronics Trailer Lights UL71CB Review- Video
Today we're going to be taking a look at part number UL71CB. This is the Optronics Flush Mount Trailer Utility Light. It's going to have a nice chrome trim, so it's going to add a lot of style. It's going to be a clear, rectangular. Trailer light is going to function as a courtesy light or a utility light. Again, it's going to have that durable chrome-plated housing. That's a plastic construction. It's going to feature a replaceable lens.more
Optronics Trailer Lights ILL70CBAWN Review- Video
Today, we're going to be taking a look at part number ILL70CBAWN. This is the Opti-Brite LED Interior Strip Light with a built-in awning. This light is from Optronics. It's going to offer a low-profile, low-heat white light. It's going to be great for an RV porch light or for a covered porch area. The awning is going to direct light downward at a 45-degree angle.more
Optronics Trailer Lights STL161RB Review- Video
Today we're going to be taking a look at part number STL161RB. This is the Optronics GloLight trailer light. inaudible 00:08 system for the passenger side or right hand side of your trailer. If you need one of the drivers side that's going to be sold separately. You can find it here on our website with part number STL161RLB. This is a square trailer tail light.more
Optronics Trailer Lights RVPL8C Review- Video
Today we're going to be taking a look at Part Number RVPL8C. This is the Optronics RV porch and utility light. It's going to have an aero style to it. It's going to provide a wider coverage when it comes to the area of light when compared to similar clear porch and utility lights. It's going to feature a snap on white housing as well as a replaceable lens. The lens is going to made from a polycarbonate material, so very strong and durable. Now to gain access to remove the lens, we have to remove the housing first.more
Bargman Trailer Lights 30-78-524 Review- Video
Today we're going to be taking a look at part number 30-78-524. This is the Bargman Porch or Utility Light. It's going to have the on and off switch. The clear lens is going to be on a black base. The black base does have a slight angle to it but it will mount on a flat surface. It's going to have the built in on and off switch right here on the base. It's going to use an incandescent bulb.more
Thule Hitch Bike Racks Review - 2015 Toyota Highlander- Video
Today on our 2015 Toyota Highlander, we'll be test fitting the Thule Vertex Tilting 4 Bike Rack, that's part number TH9029XT. This can be used for either 1 1/4 or 2 inch hitches. We've got our adapter on here for our 2 inch receiver here today. We can go ahead and begin by inserting our shank into our receiver then line up our pin holes. All right that looks pretty good. Then we'll take our included anti rattle bolt then I'm going to thread that through on the driver side here.more
Optronics Trailer Lights ILL71CBAWN Review- Video
Today we're going to be taking a look at part number: ILL71CBAWN. This is the Optronics Opti-Bright LED Interior Strip Light with the awning. Low profile, low heat, white light. Is going to be great as an RV porch light for a covered porched area. The awning is going to direct the light downward at a 45 degree angle. So, you can see here on the back side it's a flat mount design and then that light would be distributed at a 45 degree angle coming out of the housing portion here.more
Dexter Trailer Breakaway Kit 34-285 Review- Video
Today we're going to review part number 34-285. This is the Dexter breakaway kit. This breakaway kit is designed to bring trailers safely to the stop by activating the brakes should the trailer be disconnected while you're driving. This type of safety system is required in most states on trailers that are rated over 3000 pounds. This particular breakaway kit is designed to be used with the Dexter electric over hydraulic brake actuators, part number K71-650 or K71-651. Both of those we do sell separately on our website. This breakaway kit has a 9 amp hour capacity.more
Cipa Clip-On Towing Mirror Installation - 2015 Ram 1500- Video
Today on our 2015 Ram 1500 we'll be doing an installation of the Cipa Clip-On Towing Mirror, part number 7070. This is an universal fit towing mirror that's easily mounted with no tools and increases visibility for most cars and truck applications. This mirror is fully adjustable so you can maximize your towing experience. The mirror comes with fully adjustable arms and your straps to go over your factory mirrors. I'll go ahead and place the notches on our mirrors in between the factory glass mirror and the plastic surround. Simply slide them there and then hold this in place. With the mirror held in place, we'll go ahead and adjust our rubber straps to make it tight when we pull it together. Now that we have those tightened let's go ahead and put them on.more
Trailer Hitch Installation - 2010 Volkswagen Routan - Curt- Video
Today on our 2010 Volkswagen Routan, we're going to take a look at and show you how to install the CURT custom fit class 2 trailer hitch receiver. This is an 1-1/4 inch hitch. It's part number is C12264. Here you can see the hitch installed on the vehicle. It's a really nice clean look. The only thing that sticks down is actually going to be the receiver too.more
Torklift Rear Frame Mounted Camper Tie-Downs Installation - 2008 Dodge Ram Pickup- Video
Today in our 2008 Dodge Ram 3500, we'll be installing the TorkLift custom frame-mounted Tie-downs for the rear. Part #TLD3109. These tie-downs provide an attachment point at the rear of your truck for securing your bed-mounted camper. The frame mounted design ensures excellent handling, securing your camper's truck to the frame of the vehicle instead of the bed. Which distributes the weight to keep your camper from being too top heavy while driving down the road. As you see here, here's the driver's side components of your camper tie-downs.more
Optronics Trailer Lights ILL33CB Review- Video
Today we're going to be reviewing part number ILL33CB. This is the Optronics LED Interior Light. It's going to feature a 10-diode design. It's a surface mount design with a nice clear lens. You can see here on the back of the housing it's going to expose the 2 wires. White wire is going to be for ground, black wire is going to be for power. It's also going to feature a nice sealed water-proof polycarbonate lens and housing unit. This is an LED system.more
Tekonsha Accessories and Parts 6927 Review- Video
Today we're going to review part number 6927. This is the Tekonsha Primus Mounting Dash Clip. This part is what will usually come when you purchase a Tekonsha Primus brake controller. This would be the clip that comes with it. This part here would be used a either a replacement part or you can also use this as an additional mount that allow you to easily transfer your Primus Tekonsha brake controller from one vehicle to the other. Basically as you can see it has the mounting holes up here. You just mount this under your dash and then these clips right here, these two front clips will clip right onto the Primus brake controller. Once you set it in there it will clip into place.more
Optronics Trailer Lights ILL85CB Review- Video
Today we're going to be reviewing part number ILL85CB. This is the Optronics LED Light with a Foam Gasket, 10 Diode design for 12 and 24 Volts Systems. It's going to be perfect for buses, RV's, enclosed trailers or boats when it comes to a compact step or area light. It's going to feature a long lasting LED system. These are going to be great replacements for incandescent lights. It's going to feature a nice multi diode design. You can see all the diodes here.more
Trailer Wiring Harness Installation - 2011 Nissan Murano- Video
Today on a 2011 Nissan Murano, we're going to show you part number 118481. This is the T-One Vehicle Wiring Harness with a 4-Pole Flat Trailer Connector from Tow Ready. Starting off on the left hand side, here's one of our T-connectors that will plug in the wire harness for our left turn signal. This is our 4-pole wire harness here that will go out to your trailer. It also has a built in cap. We have a white wire with a ring terminal and that will go to the ground or a sheet metal on the vehicle.more
Yakima Tracks for Roof Racks Installation - 2004 Ford F-250- Video
Today on this 2004 Ford F250 Super Duty Crew Cab, we're going to install part number Y01127. This is the Yakima 54 inch tracks for roof racks. These tracks mount directly to naked roof vehicles, creating a strong, low profile attachment point for Yakima Control Towers with Landing Pad One. It does come with all the tools needed to install. You may need a 1/8 inch torque head driver for the fasteners when you install it, at the very end. All right, now we'll go ahead and show you how the track rack installs.more


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PLAINS TWP. — Maybe a chocolate-scented candle, or a cocoa potpourri. "We could keep a crock pot of melted chocolate going!" Mary Ann Stopay said with a laugh.
After spending most of their waking moments making candy, Mary Ann and her husband, John, concede that, yes, they really miss the smell of chocolate.
But make no mistake, they are out of the business for good, they insist, even though the family name, Jon L. Stopay, remains on the Plains Township store on River Street.
The continuation of the Stopay name might be causing a bit of confusion, the couple said, adding they keep getting calls about the business they sold last year.
"After 48 years," John, 75, said, "we just felt it was time to get out."
"The business" was started part-time by John's father, "Papa Jon," after he got out of the U.S. Marines in 1946 and used the GI Bill to learn the craft. "He was so talented artistically," Mary Ann recalled. "Candy making is an art; I think that's why he got into it"
In fact, when the elder Stopay designed the logo for the company using his name in cursive script, he dropped the "h" to become "Jon" because "he liked the fluidity of it," she added.
Sweet artwork
Papa Jon exercised his art in every step of candy making, the two noted, from pouring the chocolate manually into molds. Tip to do-it-yourselfers: If you want a hollow chocolate, watch until the outer edge crusts up, then pour the still-melted part out to squeezing ornate borders, flowers and other adornments through an icing bag.
The craftsman yearned to keep the "hand" in "handcrafted" so much that he automated jobs reluctantly.
When his son bought a machine to mark the candy, dad scowled. "He looked at me and said 'You're never going to use it!' " John recounted. "So it stayed in the box for about a year."
John put the machine into service when his father went away for a few days, and upon his return, Papa Jon was so pleased with the results "he said, 'Buy another one.' "
They sold the business last year — after recovering from the 2011 flood that covered their old store to the roof and forced them to relocate — to Mark and Doug Young, two non-candy makers — at least, until now — who agreed to preserve both the family name and the secret recipes.
The secret is to "keep it all natural," Mary Ann, 70, said when asked to spill the beans, "and add a little TLC."
And while they helped out through the winter, they've been in full retirement mode since April.
Scent of success
Spending this summer without the scent of chocolate 11 hours a day, seven days a week was nothing new, John said.
They declined multiple opportunities to expand the business to the point that would require year-round work, and always had summers off thanks to the high candy demand from September through Easter.
But this will be their first winter full of idle time. What are they planning to do?
John, a longtime prankster, according to his wife, sat back and smiled.
"We'll probably drive each other crazy."


text:
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Pronunciation: (el"u-men'tl), Strict Standards: Non-static method FenSites::linkTo() should not be called statically in /site/html/dictionary/elemental.html on line 75 [key]
1. of the nature of an ultimate constituent; simple; uncompounded.
2. pertaining to rudiments or first principles.
3. starkly simple, primitive, or basic: a spare, elemental prose style; hate, lust, and other elemental emotions.
4. pertaining to the agencies, forces, or phenomena of physical nature: elemental gods.
5. comparable to the great forces of nature, as in power or magnitude: elemental grandeur.
6. of, pertaining to, or of the nature of the four elements, earth, water, air, and fire, or of any one of them.
7. pertaining to chemical elements.
Random House Unabridged Dictionary, Copyright © 1997, by Random House, Inc., on Infoplease.
See also:


text:
November 11, 2014
Suada Kolovic
For the budget-conscious high school senior, it seems like a no-brainer to apply to the local state school for the best shot at affordable tuition. But that's not always the case: Depending on where you live, an out-of-state college may be even cheaper than your home state university. Don't believe us? Check out the list below from U.S. News and World Report for the top 10 public colleges with the lowest tuition for out-of-state students:
Did your prospective college make the list and does this information alter your interest in the school? Share your thoughts in the comments section. And don't forget that even affordable college tuition can still be expensive! Try and fund your education with as much free money as possible – a great place to start is by creating a free profile on Scholarships.com, where you'll get matched with financial aid that is unique to you!
December 4, 2014
In October 2012, the University of Chicago launched UChicago Promise, an initiative aimed at helping high school students in the city of Chicago gain admission, pay for and succeed in college. The cornerstone of the program is the commitment from the university to eliminate loans from financial aid packages of students from Chicago who are admitted.
Recently, the University released a report on the first year of UChicago Promise that shows hundreds of students, parents and high school guidance counselors have benefitted from the initiative. Check out some of the highlights below:
To read more on the first year-in-review report, click here. Share your thoughts on the University of Chicago's local financial aid initiative. Do you think more universities should follow this trend? Do you know of any that already do? Let us know. And don't forget that affordable college tuition can be expensive. Try to fund your education with as much free money as possible – a great place to start is by creating a free profile on Scholarships.com!
December 9, 2014
When it comes to earning a college degree, attending a four-year university may not be the surest route to a successful career: Depending on what you're interested in pursuing, a two-year or technical certificate can offer a better return on your investment. According to the Bureau of Labor Statistics, careers in fields such as health care, manufacturing and information technology offer median earnings of up to $55,000 or more for graduates with associate degrees. Interested in the specifics? Check our
U.S. News & World Report's four degrees that are better to earn at a community college below:
Are you considering a two-year degree or technical certificate as opposed to a bachelor's degree? If so, are you pursuing any of the careers listed above? Share your thoughts in our comments section. For more on the pros and cons of community college, head over to our College Prep section. And while you're there, don't forget to create a free Scholarships.com profile to help you fund your education.
December 16, 2014
The transition from high school to college is most evident to students when they realize they'll no longer be coddled in cozy classes of 20 students or fewer. Lecture halls with 300-plus students are the norm at most major universities, where classes tend to be impersonal, relationships with professors are typically nonexistent and students feel more like numbers than people. So for those who prefer a learning environment that provides back-and-forth discussion amongst students and professors,
U.S. News and World Report has compiled a list of universities with the highest percentage of small classes.
According to the
data, several universities with undergraduate enrollments below 3,000, as well as a few top ranked universities with larger undergraduate populations, reported that a vast majority of their classes have fewer than 20 students. Check out the top 10 universities with the smallest class sizes below. (For more information on this survey, click here.)
How important is class size to you? Are large lectures deal breakers in your book? Share your thoughts in the comments section. And don't forget to create a free Scholarships.com profile for a list of scholarships that are personalized to you! Whether you're studying at a university or community college, we'll help you find the financial aid you need to pay for school. Start your search today!
February 10, 2015
It wasn't too long ago that the majority of Americans agreed that one had to pursue a college degree in order to succeed in the workforce. Unfortunately for millennials, the rate of success after obtaining said degree is no longer so intrinsically tied: According to reports, millions of college students don't graduate, suffer a mismatch between education and employment and are left with massive amounts of debt.
New research suggests that earning a college degree is no longer the surest ticket to the middle class. "'Ticket' implies a college degree is something you can just cash in," said Alan Benson, assistant business professor at the University of Minnesota. "But it doesn't work that way. A college degree is more of a stepping stone, one ingredient to consider when you're cooking up your career...It's not always the best investment for everyone." Benson, along with MIT's Frank Levy and business analyst Raimudo Esteva, co-authored a new paper examining the value of public university options in California. They found that factors like how long it takes to complete a degree and whether students even make it to graduation can significantly diminish the value of pursuing higher education. Unsurprisingly, the study also found that students who take out loans and don't graduate on time incur much more debt. All in all, Benson concluded that the investment of a college education is generally better for those who graduate – on time – from a school with healthier resources. (For more on their research, click here.)
Do you think that a college degree is necessary for gainful employment and upward mobility? Share your thoughts in the comments section. And don't forget to try and fund your education with as much free money as possible – a great place to start is by visiting Scholarships.com and conducting a free college scholarship search where you'll get match with scholarships, grants and other financial aid opportunities that are unique to you!
January 6, 2015
Alexis Mattera
Though it's a day off from school and work, New Year's Day is also a day to get down to business. While you're starting in on your New Year's resolutions, opening up a new calendar, and packing up the holiday decorations, there's one more thing that college students and college-bound high school students should do each January. The Department of Education starts accepting the Free Application for Federal Student Aid (more commonly known as "FAFSA") on January 1 each year. State application deadlines fall soon after—as early as February in some cases. So while you might not start classes until August or September, you want to start applying for financial aid as soon as the FAFSA is available each year.
In order to complete a FAFSA, you will need the following:
For more information on FAFSA and other daunting financial aid acronyms, head over to our Federal Aid section. And while you're there, don't forget to create a free Scholarships.com profile to help you fund your college education.
January 13, 2015
When considering the true cost of a college education, students must remember to factor in not only tuition but mandatory fees, room and board, books, supplies and living expenses. Unless, of course, you're considering a community college: President Obama recently proposed free community college for all high school graduates for two years! Score!
The concept, according to administration officials, is not to target low-income students explicitly: Anyone will be provided the option of two years of tuition as long as they maintain a 2.5 GPA and attend school at least half-time. In effect, community college would be universal the way high school is. "Two years of college should be free and should be universal and should be of high quality for responsible students, just like high school is today," said Ted Mitchell, under secretary of education, the third-highest ranking official at the U.S. Department of Education. If the initiative is adopted nationally, officials estimate nine million people across the county could each save about $3,800 in college costs.
It's important to note that the President's proposal would involve the federal government and states combining to pay the entire cost of tuition for two years at a community college for any American who wanted it. And relying on taxpayers is where the program is likely to run into objections from Republicans in Congress: The administration estimates the program would cost about $6 billion a year. (For more on this story, click here.)
With the cost of a college education still on the rise, what do you think of President Obama's proposal? Share your thoughts in the comments section. For more on the pros and cons of community college, head over to our College Prep section. And while you're there, don't forget to create a free Scholarships.com profile to help you fund your education.
February 3, 2015
After widespread criticism from both parties, the Obama administration decided to scrap its proposal to raise taxes on college savings accounts. Just last week, we blogged about President Obama's proposal to "roll back" tax benefits of 529 college savings plans and "repeal tax incentives going forward" for Coverdell Education Savings Accounts. Luckily, that's no longer the case.
According to
The New York Times, the decision came just hours after Speaker John A. Boehner of Ohio demanded the proposal be withdrawn from the president's budget, "for the sake of middle-class families." Interestingly enough, top Democrats, including Representative Nancy Pelosi of California, the minority leader, pressed for the repeal. Administration officials initially defended the plan as an attempt to redirect tax benefits that they said largely benefit wealthy families toward tax credits that help poorer families. The administration will keep its plan to expand other higher education tax breaks, a White House official told The Times. (For more on this story, click here.)
What are your thoughts on the administration scrapping its proposal? Are you relieved? Share your thoughts in the comments section. And don't forget to try and fund your education with as much free money as possible – a great place to start is by creating a free profile on Scholarships.com, where you'll get matched with financial aid that is unique to you!
February 6, 2015
It seems as though students are willing to do just about anything to save money while in college, from working multiple low-paying jobs to sticking to an Ramen-noodle-only diet to applying early and often for college scholarships. But what if there was a more direct route to affordable education...like selecting a school that won't cost you $200,000 to attend.
According to USA Today, your best bet is Berea College in Kentucky. With the average annual price tag clocking in at $2,382, students pay $10,257 total for four years. We should mention that 100 percent of the student population receives financial aid and that students also participate in a labor program in order to keep costs low. In order to determine the figures, they multiplied the average net cost most students pay (including average amounts of financial aid) by the average length of time to graduate. The resulting number is the average price most students will end up paying. Interested in other affordable higher education options? Check out USA Today's top 10 least expensive colleges to earn your degree below:
Did any of your top choices make the list? If not, would you consider a college based on its affordability? Let us know in the comments section. And don't forget that even affordable college tuition can still be expensive! Try and fund your education with as much free money as possible – a great place to start is by visiting Scholarships.com and conducting a free college scholarship search where you'll get match with scholarships, grants and other financial aid opportunities that are unique to you!
March 3, 2015
When you envisioned your college application process, I'm sure you thought you were more than prepared. This was the moment you were told to draw on your strengths and articulate every achievement – countless community service hours, a stellar GPA and the fact that you were senior class president – and every sentence would be so perfectly and meticulously thought out that who you are would just leap right off the page. You prepared your answer on why you belonged at your dream college and pinpointed what you had to offer...until you reviewed the actual application and found a serious curveball: I doubt you expected celebrating your nerdy side could get you in!
In addition to traditional essay prompts, more and more institutions are jumping on the unconventional question bandwagon and are interested in knowing not only why students want to gain admission but just how creative they can be when challenged. Here are some far-from-average questions schools are asking this year:
Celebrate your nerdy side.
What's so odd about odd numbers?
You've just reached your one millionth hit on your YouTube video. What is the video about?
You were just invited to speak at the White House. Write your speech.
A good story starts with a good beginning. Get us hooked in the first 150 words.
Tell us about spiders.
Soon-to-be college applicants, what do you think of this approach to the admissions essay? Are you a fan of the challenge or frustrated by the fact that you are expected to impress them with your achievements and extracurricular activities and be witty, too? Share your thoughts in the comments section. And if you're interested in learning more about applying for college and the application essay, check out our College Prep section. While you're there, conduct a free college scholarship search on Scholarships.com for a complete list of scholarships that are personalized to you!
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Mememtum is a mobile application that measures the state of patients with movement disorders such as Parkinson, Huntington, Dystonia and other diseases.
This allows to have an objective measure of the evolution of these patients, saving resources and giving an analysis tool to the neurologist.
More information mememtum.com
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Alaska's House Transportation Committee is considering legislation that would require signs warning travelers of pat-downs and electronic devices that use radiation. The signs would be posted near airport checkpoints. State Rep. Sharon Cissna, a breast cancer survivor who experienced what she described was an invasive pat-down, sponsored the legislation.
View Full Article in:Atlanta Journal-Constitution, The