text:
PH stock index climbs back on reports of improved US economic data
MANILA, Philippines—Local stocks regained ground on Wednesday after a two-day decline as improved US economic data boosted regional markets.
The main-share Philippine Stock Exchange index added 63.93 points or 0.94 percent to close at 6,850.26.
All counters firmed up while 111 advancers overwhelmed 51 decliners.
Value turnover swelled to P49.047 billion as tycoon Lucio Tan-led conglomerate LTG Inc. raised $920 million from a landmark equity offering that was priced at the high end of the range at P20.50 per share.
The day's biggest index gainers were Belle (+7.26 percent), Meralco (+4.64 percent), MPI (+3.19 percent), AGI (+2.26 percent) and BDO (+2.03 percent).
Metrobank, Bloomberry, Megaworld, AP and ICTSI also contributed to the day's gains.
Outside of PSEi, LTG shares surged by 11.11 percent to a close at new high P23 after a landmark follow-on offering.
On the other hand, the day's index laggers were RLC (-1.96 percent), FGEN (-0.63 percent), ALI (-0.33 percent) and Petron (-0.26 percent).
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subset: commoncrawl


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The Office of Faith Based Initiatives of Chicago Public Schools is pleased to announce the Safe Haven Spring Break Program for 2015. Safe Haven is a partnership between CPS and the Faith Community. Safe Haven is a reliable and no cost alternative place for CPS students and parents during critical high violence periods in the city. The mission of Safe Haven is to eradicate bullying and instill practices to combat youth violence. Students will engage in workshops that focus on positive conflict resolutions, anger management, anti-bullying, anti-violence. We are partnering with Junior Achievement to provide financial literacy to teach students how to be good stewards of money. Also, renowned poet J. Ivy will provide on-going conversations on fatherhood and breaking the cycle of pain.
With increased funding from the City of Chicago, there will be 120 Safe Haven Sites citywide.
Last year, 6,000 students participated in the Safe Haven Spring Break Program. With the additional sites this year, we are seeking to increase participation by 2,000 students; which means 8,000 CPS students will have a "safe haven". This is an increase from 100 sites from last year. The program runs from April 6th until April 10th between the hours of 10:00 a.m. until 2:00 p.m. Students will receive free breakfast and lunch. For more information, please feel free to contact the Office of Faith Based via telephone 773-553-2500. To register, please contact the Safe Haven site directly.
Page Last Modified on Wednesday, April 01, 2015


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West Salem, Wisconsin
|West Salem, Wisconsin
Location of West Salem, Wisconsin
|Coordinates: 43°53′59″N 91°5′12″W / 43.89972°N 91.08667°WCoordinates: 43°53′59″N 91°5′12″W / 43.89972°N 91.08667°W
|United States
|La Crosse
|• Village President
|Dennis Manthei
|• Village Administrator
|Teresa Schnitzler
|• Total
|3.44 sq mi (8.91 km2)
|• Land
|3.42 sq mi (8.86 km2)
|• Water
|0.02 sq mi (0.05 km2)
|741 ft (226 m)
|Population (2010)[3]
|• Total
|• Estimate (2012[4])
|• Density
|1,403.2/sq mi (541.8/km2)
|Time zone
|Central (CST) (UTC-6)
|• Summer (DST)
|Area code(s)
|FIPS code
|GNIS feature ID
West Salem is a village in La Crosse County, Wisconsin, United States, along the La Crosse River. It is part of the La Crosse Metropolitan Area. The population was 4,837 as of July 1, 2011.
West Salem was platted in 1856. It was named Salem by a Baptist minister named Elder Card because the word meant "peace". The word West was added to the name when mail was confused with another town in the state named Salem.[6][7]
The donation of approximately ten acres of land to a railway company led to the creation of West Salem. A station was built in West Salem on the original Milwaukee and La Crosse Railway which ran to La Crosse. It was later taken over by the Chicago, Milwaukee and St. Paul Railway (later becoming the Chicago, Milwaukee, St. Paul and Pacific Railroad). The railway used the land to build a depot and tracks.[8]
West Salem is located at 43°53′59″N 91°5′12″W / 43.89972°N 91.08667°W (43.899795, -91.086614).[9]
According to the United States Census Bureau, the village has a total area of 3.44 square miles (8.91 km2), of which, 3.42 square miles (8.86 km2) of it is land and 0.02 square miles (0.05 km2) is water.[1]
|Historical population
2010 census[edit]
As of the census[3] of 2010, there were 4,799 people, 1,831 households, and 1,259 families residing in the village. The population density was 1,403.2 inhabitants per square mile (541.8/km2). There were 1,869 housing units at an average density of 546.5 per square mile (211.0/km2). The racial makeup of the village was 96.7% White, 0.4% African American, 0.6% Native American, 0.7% Asian, 0.3% from other races, and 1.3% from two or more races. Hispanic or Latino of any race were 1.2% of the population.
There were 1,831 households of which 37.2% had children under the age of 18 living with them, 53.2% were married couples living together, 10.9% had a female householder with no husband present, 4.6% had a male householder with no wife present, and 31.2% were non-families. 26.9% of all households were made up of individuals and 11.9% had someone living alone who was 65 years of age or older. The average household size was 2.48 and the average family size was 2.99.
The median age in the village was 39.2 years. 26% of residents were under the age of 18; 6.3% were between the ages of 18 and 24; 25.5% were from 25 to 44; 26.3% were from 45 to 64; and 15.9% were 65 years of age or older. The gender makeup of the village was 47.4% male and 52.6% female.
2000 census[edit]
As of the census[5] of 2000, there were 4,541 people, 1,706 households, and 1,230 families residing in the village. The population density was 1,911.2 people per square mile (736.5/km²). There were 1,765 housing units at an average density of 743.0 per square mile (286.3/km²). The racial makeup of the village was 98.04% White, 0.51% African American, 0.42% Native American, 0.44% Asian, 0.07% from other races, and 0.53% from two or more races. Hispanic or Latino of any race were 0.59% of the population.
There were 1,706 households out of which 41.4% had children under the age of 18 living with them, 59.0% were married couples living together, 9.3% had a female householder with no husband present, and 27.9% were non-families. 23.6% of all households were made up of individuals and 10.3% had someone living alone who was 65 years of age or older. The average household size was 2.61 and the average family size was 3.09.
In the village the population was spread out with 30.0% under the age of 18, 6.3% from 18 to 24, 31.9% from 25 to 44, 18.9% from 45 to 64, and 12.8% who were 65 years of age or older. The median age was 34 years. For every 100 females there were 95.6 males. For every 100 females age 18 and over, there were 86.6 males.
The median income for a household in the village was $43,449, and the median income for a family was $50,176. Males had a median income of $34,459 versus $22,439 for females. The per capita income for the village was $19,904. About 3.3% of families and 3.5% of the population were below the poverty line, including 4.0% of those under age 18 and 3.4% of those age 65 or over.
The village president is Dennis Manthei. The village administrator is Teresa Schnitzler. The village treasurer is Benjamin Heller.
The public West Salem School District consists of:
The private schools are:
Historic sites[edit]
Parks and recreation[edit]
- Veterans Memorial Park
- Lake Neshonoc
- La Crosse Fairgrounds Speedway
Gallery of Historic Places[edit]
Buildings, sites, structures, districts, and objects in West Salem listed on the National Register of Historic Places
Notable people[edit]
- Charles S. Benton, U.S. Representative from New York
- Tom Black, NBA player, graduated from high school in West Salem.
- George G. Bingham, Oregon jurist
- Frank P. Coburn, United States House of Representatives
- Hamlin Garland, writer - West Salem was his summer house, but he was born here.
- Harry W. Griswold, United States House of Representatives
- Michael Huebsch, Wisconsin State Assembly
- Jay L. Johnson, United States admiral
- Damian Miller, major league baseball player
- William F. Miller, Wisconsin legislator
- Norbert Nuttelman, Wisconsin legislator and farmer
- Arthur H. Parmelee, football coach and physician
Looking east at West Salem on WIS 16
- ^ a b "US Gazetteer files 2010". United States Census Bureau. Retrieved 2012-11-18.
- ^ a b "US Board on Geographic Names". United States Geological Survey. 2007-10-25. Retrieved 2008-01-31.
- ^ a b "American FactFinder". United States Census Bureau. Retrieved 2012-11-18.
- ^ "Population Estimates". United States Census Bureau. Retrieved 2013-06-24.
- ^ a b "American FactFinder". United States Census Bureau. Retrieved 2008-01-31.
- ^ Gard, Robert and L.G. Sorden. The Romance of Wisconsin Placenames. Minocqua, WI: Heartland Press, 1988. ISBN 0-942802-88-8.
- ^ Chicago and North Western Railway Company (1908). A History of the Origin of the Place Names Connected with the Chicago & North Western and Chicago, St. Paul, Minneapolis & Omaha Railways. p. 138.
- ^ "Railroad Influenced Site of West Salem; Neshonoc Was Village". La Crosse Tribune and Leader-Press. April 6, 1930. Retrieved on 2009-08-04 from the Wisconsin Local History & Biography Articles at the website of the Wisconsin Historical Society [1].
- ^ "US Gazetteer files: 2010, 2000, and 1990". United States Census Bureau. 2011-02-12. Retrieved 2011-04-23.
External links[edit]
|Wikimedia Commons has media related to West Salem, Wisconsin.
- Village of West Salem website
- West Salem School District website
- Sanborn fire insurance maps: 1894 1898 1904 1910 1922


text:
CDER, Division of Advisory Committee and Consultant Management
Main Telephone No.: 301-796-9001
Jayne E. Peterson, B.S.Pharm., J.D.
Deputy Director:
LCDR Cicely Reese, Pharm.D.
Designated Federal Officer Team Leaders:
CDR Diem-Kieu Ngo, Pharm.D., BCPS
CDR Yvette Waples, Pharm.D. (acting)
Public Health Analyst Team Leaders:
Cynthia Abernethy
Susan Peters
Project Specialist Team Leader:
Kimberly Witherspoon
Designated Federal Officers:
CDR Karen Abraham-Burrell
LCDR Stephanie Begansky
Kalyani Bhatt, B.Sc., M.S.
LT Caleb Briggs, Pharm.D.
Moon Hee V. Choi, Pharm.D.
LT Cindy Hong, Pharm.D.
CDR Kristina Toliver, Pharm. D.
CDR Yvette Waples, Pharm.D.
Public Health Analysts:
LCDR Nga (Nicole) Doan, Pharm.D.
CDR Victoria Ferretti-Aceto, Pharm.D.
LT Ji LaRose, Pharm.D.
CDR Kevin Ma, M.H.A.
LT Susan Rhee, Pharm.D.
CDR Christina Thompson, Pharm.D.
Anh Vu
Yinghua Wang, Pharm.D.
Derrice Ward-Davis, M.B.A., M.S.
LCDR Minh Doan, Pharm.D..
Project Specialists:
Mary Barnes
John Lauttman
Joanna Malsch
Janet Shishineh
Technical Information Specialists:
CDR Thiep Vo
LT Andy Duong
Office Manager:
Chris Shipe
Division Writer/Editor:
Robin Spencer


text:
when life gives you lemons...
- you cant really make lemonade with no sugar!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!
- —Guest Aubree
When life gives you lemons
- When life gives you lemons, ask for a refund.~Me and me only
- —Guest Samantha_Rules
When the going gets tough
- When the going gets tough, the tough runs to his mommy
- —Guest Samantha_Rules
When life gives you lemons...
- When life gives you lemons find someone whose life gives them vodka. Then party!
- —Guest Machiavelli1989
- Practice makes MAN perfect.... Goes without saying that women can never be perfect......
- —Guest Dhananjay Rao
LOL is the best medicine for stress!
- ...LOL is the best medicine for stress.. true! can someone give me a six-figured LOL please, yes as in 6 figs-$$$$$$!
- —Guest Nance
Clothed in Principles
- Clothes make the man. Naked people have little or no influence in society~Mark Twain:: Clothes may make the man but only principles could make him a Mahatma.
- —Guest Thana
Ask not what...
- Ask not what you can do for your country, but what your country will do to you if you don't.
- —Guest Roberto
You have to kiss a lot of frogs...
- To find your prince, not only do you have to kiss a lot of frogs, you have to lasso him and tie him up before he runs away when you find him.
- —Guest TheAmazingBatmanSpork
I learn, therefore...
- I learn, therefore I put up with vicious teenagers five days a week against my will.
- —Guest Kassie
If at first you don't succeed
- If at first you don't succeed, figure out what made you fail and kill it.
- —Guest Kaylin
Adam Eve
- » Adam and Eve had many advantages but the principal one was that they escaped teething.~Mark Twain:: Escaped fussy in-laws and nosey neighbours too!
- —Guest Thana R
People in glass houses
- People in glass houses, shouldn't walk around naked.
- —Guest Anthony Love
Greeting friends
- I wish I could say you are looking better but you haven't changed a bit.
- —Guest Ollie Speraw
If you don't...
- If you don't have anything good to say, don't say anything. :: If you don't have anything good to say, just point and laugh.
- —Guest is my name


text:
Tested: Bell Super 2R
Bell's Super 2R is supposed to be two helmets in one: unsnap a couple of buckles and it transforms from full-face helmet to cross-country lid. Sounds impressive. How does it actually pan out on the trail?
All accessories
News: CONTOUR announces ROAM3 action cam
The new ROAM3 utilizes a waterproof and impact-resistant aluminum housing to allow it to function up to 30-feet underwater without an extra case.
Trail tested: F-Stop Kenti camera bag
Over the course of the last year I've put the F-Stop Kenti through its paces and haven't seen any noticeable signs of wear. The straps and zipper are functioning as they did on the first day.
Peace of mind: 2014 helmet reviews
Helmet reviews from 2014's best models including Scott, Fly, Specialized, Smith, etc.
Interbike 2014: Gear roundup day 5
When you put the industry's best and brightest in a giant room together you'll find a seemingly, endless supply of awesome stuff. Here's yet another gallery of show floor finds.
First Look: Bell Super 2R helmet
Now the Bell Super 2R isn't directly marketed as an enduro-specific helmet, but one look at it, and well, it's the perfect enduro helmet. Why carry two helmets, when you can carry one?
Interbike 2014 product videos, day 4
Sometimes it's better to hear straight from the source when learning about new products. Here's a couple videos from our fourth day on the Indoor Demo floor of Interbike 2014.
Interbike 2014: Gear roundup day 4
We combed the 2014 Interbike tradeshow floor today in search of new products from companies big and small. Here are some of the highlights. Stay tuned for more galleries in the coming days.
Tested: Troy Lee Designs A1 Drone
Troy Lee Designs spent three years fine-tuning this helmet. That sounds ludicrous, until you strap it on. It's not perfect, but the A1 is damn close.
Interbike 2014: Gear roundup day 2
The perusing continued on the second day of Outdoor Demo, with still more products to be seen and more gadgets to be photographed. Fresh shoes, redesigned brakes and of course, innovative electronics were all part of the fun in the south Nevada desert.
Interbike 2014: Gear roundup day 1
For the better part of a week, Interbike is a hustle of bodies moving about, taking quick glances at the latest gadgets of the cycling world and exchanging business cards, and the majority of this happens under great, giant florescent bulbs and artificially cooled air. But for the first two days of the week, the convention attendees head south to Boulder City for the Outdoor Demo. This is what I stumbled upon, during our perusing on first day of the demo days:
News: Giro releases new helmets equipped with MIPS technology
After years of collaboration researching and validating new technologies to further reduce impact energy, Giro will be introducing new helmets equipped with MIPS in three categories: road, mountain and urban.
Tested: Uvex Sportstyle 202 Race
When someone mentions the company Uvex, my thoughts go immediately to the late '80s to early '90s when their neon ski goggles dominated the slopes. Clearly Uvex has been off my radar for the past 20 years, but my outdated vision of their products totally changed when I laid my hands on the Uvex Sportstyle 202 Race glasses.
Troy Lee Designs announces TLD Sprint race kit
Troy Lee Designs partners with Arron Gwin to create their lightest weight, most athletic fit, limited edition TLD Sprint race kit. The all new Sprint race wear for 2014 has been completely redesigned from the ground up and is our lightest, most athletic race fit kit we have ever designed.
NiteRider 2015 line includes increased lumens, extended run times
NiteRider Technical Lighting Systems unveils the 2015 bicycle light line showcasing new products, slight boosts in lumen outputs and decreases in pricing of popular lights.
Tested: Race Face Flank Leg guards
The Race Face Flank Leg guards offers solid protection and far greater comfort than you'd expect in a full-coverage pad.
Tested: Mavic Crossmax Hydropack 8.5
The Crossmax Hydropack 8.5 is the smaller counterpart to the Hydropack 15 and is designed to carry 100 ounces (3 liters) of water and most anything you would need for medium and long rides.
Tested: Thule Crossover 38L Carry-On
It's a roller bag. No, it's a backpack. Wait, it's both. Kind of sounds like one of those infomercials promising a can opener that can double as a rocket launcher—too good to be true. But in this case, Thule is on target with their claim: the Thule Crossover 38L Carry-On doubles capably as both a mini-rolling bag and a backpack. In short, this is one versatile bit of luggage.
Preview: Mavic introduces updated mountain bike apparel line
Mavic's 2014 clothing line has been trail-tested by the world's best enduro racers and is designed to withstand the rigors of high-alpine, technical riding.
Tested: Showers Pass Refuge Jacket
If this review sounds like an unmitigated love letter to Showers Pass…well, I guess it does. The Refuge, however, merits that kind of sloppy-kiss praise; it's simply an outstanding piece of kit. Here's why.
TESTED: Dakine Caliber Jacket
Dakine has stepped up its game in the rain jacket department with the Caliber. It fills the void in the lineup for a technical feature-laden waterproof shell. While previous Dakine rain jackets have been solid, they were still not my first choice for big high-country adventure rides where the likelihood of getting pummeled by weather for days was a given; those duties were typically handled by the likes of Patagonia, Arcteryx or Helly Hansen. With the Caliber, however, Dakine has a legit alternative.


text:
S. 1264, The Pine River Indian Irrigation Project Act of 2009 (5 wiki edits)
- This item is from the 111th Congress (2009-2010) and is no longer current. Comments, voting, and wiki editing have been disabled, and the cost/savings estimate has been frozen.
S. 1264 would require the Secretary of the Interior to assess the irrigation infrastructure of the Pine River Indian Irrigation Project in the State of Colorado and provide grants to, and enter into cooperative agreements with, the Southern Ute Indian Tribe to assess, repair, rehabilitate, or reconstruct existing infrastructure.
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KJIL/KHYM Christian Radio
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If you need help just know you can turn it on and make your day better
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I would give this a better rating if the music did not stop every couple of minutes I have a SAMSUNG GALAXY S2 that I would like to listen to the music on I love KJIL I listen to it in my car but I would like to listen on my phone but can not because the music only plays for a couple of minutes Please Please fix this Thank You


text:
Recent News Releases
March 30, 2015: Legislation Introduced that Would Reduce Healthcare Spending and Improve the Health of People with Diabetes
AADE announced today the introduction of HR 1726, the Access to Quality Diabetes Education Act of 2015, in the U.S. House of Representatives.
March 2, 2015: AADE and Tate & Lyle Collaborate on Educator Resources
AADE and Tate & Lyle today announced a multi-year partnership to build clinician awareness and knowledge around the use of allulose in the management of diabetes.
February 3, 2015: Survey demonstrates that suppliers in Medicare's Competitive Bidding Program for Insulin Pumps are not providing products as mandated by law
"This failure to comply with the program results in limited access to necessary equipment for people with diabetes...."
January 20, 2015: Survey Shows Many People With Diabetes Are Uncertain About How to Properly Manage Hypoglycemia
Further education about hypoglycemia and routinely monitoring blood glucose levels is needed.
November 25, 2014: National Diabetes Education Program Releases Guiding Principles for Diabetes Care; Recognizes Importance of DSME
A new set of 10 clinically useful principles highlighting areas of agreement in diabetes management and prevention, including the scope and standards for diabetes educators from AADE...
November 21, 2014: Even When Covered by Private Insurance, Diabetes Education Utilization Rates Remain Low, Creating Health Concerns
Even among those with private insurance, participation in diabetes self-management training (DSMT) remains low...
November 6, 2014: Barriers Remain in Educating People with Diabetes of Their Increased Hepatitis B Risk
Three years after CDC recommendations, vaccination rates still low.
November 3, 2014: Diabetes Education Week to be Marked by Series of Social Media Initiatives Led by AADE
The initiatives will call attention to the important role diabetes educators play in helping people with diabete manage their condition.
August 8, 2014: Diabetes Education Improves Health, Quality of Life
AADE14 Education Coverage: Diabetes education results in better outcomes.
August 6, 2014: Mindfulness Training Benefits U.S. Veterans with Diabetes
AADE14 Education Coverage: Program helped to decrease diabetes-related distress, lower blood sugar.
August 6, 2014: Mental Health Coaching Improves Outcomes for People with Diabetes and Depression
AADE14 Education Coverage: Study shows decreased anxiety, lower blood sugar levels.
August 6, 2014: AADE Expands HealthSlate™ Program
All AADE members can how acquire diabetes educator tablet and have the ability to own content and download their own apps.
August 6, 2014: AADE Announces Award Winners at 2014 Conference
Awards included Lifetime Achievement Award, Distinguished Service Award and Diabetes Educator of the Year.
June 10, 2014: AADE Supports FDA Rules That Would Make Diabetes Testing Supplies More Dependable and Accurate
AADE has filed a comment letter with the US Food and Drug Administration (FDA), supportive of the agency's goal of increasing the accuracy and dependability of over-the-counter diabetes testing supplies and equipment.
May 20, 2104: AADE Presents Senator Susan Collins with the 2014 Legislative Champion Award
Collins: We Know The Huge Difference That Diabetes Educators' Efforts Can Make
May 19, 2014: Diabetes Educators Push for Passage of Medicare Modernization
AADE: Administrative Fix to Medicare Would Allow More People to Receive Diabetes Education and Generate Overall Healthcare Savings
January 21, 2014: Research Highlights the Need to Ensure Accuracy And Patient Choice of Diabetes Testing Supplies
Two new surveys conducted by the American Association of Diabetes Educators demonstrate once again the need for the healthcare, insurance, and diabetes educator communities to ensure that people with diabetes are using meters that are appropriate for their individual needs – and are accurate.
December 20, 2013: New AADE Officers and Board Take Office
AADE announces the new members of the 2014 AADE Board of Directors.
September 23, 2013: Philadelphia-area Resident Named American Association of Diabetes Educators' 2014 Educator of the Year
AADE announces the selection of Gary Scheiner, MS, CDE, as the recipient of the 2014 Diabetes Educator of the Year award.
August 7, 2013: AADE Receives $2.25 Million Grant From the Bristol-Myers Squibb Foundation
Four-Year Program Will Evaluate Effectiveness of Diabetes Self-Management Support In Underserved Populations.
August 7, 2013: Mobile App Provides New Opportunities for People With Diabetes To Improve Their Health
Tool for Apple and Droid devices is unveiled at the AADE Annual Meeting.
August 7, 2013: AADE and A to Z Health Create AADE HealthSlate: A Tablet Computer Specifically Designed for Diabetes Educators
Complementary tablet provided to all AADE members attending 2013 Annual Meeting.
April 1, 2013: Managing the Diabetes Epidemic Through Education
Diabetes educators from across the country will convene in Philadelphia August 7-10 to address the ways that patient education and self-management of diabetes can reduce health care expenditures and positively impact the public health.
March 1, 2013: Physicians now eligible to earn CME at the AADE Annual Meeting & Exhibition
Physicians will be able to earn continuing medical education (CME) credits at the 2013 annual meeting of the American Association of Diabetes Educators (AADE). This year marks the first time that CME will be available for physicians at AADE's meeting, which is being held August 7-10 in Philadelphia.
November 5, 2012: Diabetes Education Week Focuses Attention On Benefits of Diabetes Self-Management
National Diabetes Education Week, which runs through November 10, raises awareness of the role that diabetes educators play in helping patients self-manage the disease and reduce healthcare expenses.
October 10, 2012: American Association of Diabetes Educators Receives Grant from the CDC for National Program to Prevent Type 2 Diabetes
The American Association of Diabetes Educators (AADE) has received a grant from the Centers for Disease Control and Prevention (CDC) to expand diabetes prevention programming.
August 3, 2012: Honors in the Field of Diabetes Education Presented at the Annual Meeting of the American Association of Diabetes Educators
Joanne Rinker, MS, RD, LDN, CDE, was named Diabetes Educator of the Year this week at the AADE Annual Meeting.
July 17, 2012:
Charles Macfarlane Named Chief Executive Officer of the
American Association
of Diabetes Educators
AADE announced today that Charles Macfarlane has been named Chief Executive Officer effective September 3, 2012.
May 23, 2012: National Conference to Address the Role of Diabetes Education in Improving the Health of the Nation
More Than 6,000 Expected to Attend the American Association of Diabetes Educators Annual Meeting in Indianapolis, August 1-4, 2012.
February 3, 2012: AADE names David Westman Interim CEO
The American Association of Diabetes Educators (AADE) announced today that David Westman, MBA, CAE, CPA, has been named Interim Chief Executive Officer effective February 6, 2012.


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December 15, 2011
JSC2008-E-042466 (28 May 2008) --- Astronaut Dominic A. (Tony) Antonelli, STS-119 pilot, dons a training version of his shuttle launch and entry suit in preparation for a training session in the Space Vehicle Mockup Facility at NASA's Johnson Space Center. United Space Alliance (USA) suit technicians Toni Cost-Davis and Justin Roberts assisted Antonelli. Astronauts Richard R. Arnold II and Joseph M. Acaba, both mission specialists, along with USA suit technicians are visible in the background.
Topics: Human spaceflight, Spaceflight, Space exploration, Space Vehicle Mockup Facility, NASA Astronaut Group 19, Joseph M. Acaba, STS-119, Antonelli, Dominic Antonelli, Astronaut, NASA


text:
This beautiful print was created by Israeli artist Archie Granot. Bring it home in memory of WRJ's Centennial year or to celebrate 100 awesome years to come!
$360 $300
Saperstein: "These attacks are particularly heinous in targeting children, as the perpetrators said, "a gift for the opening of the school year.'"
Contact: Sean Thibault or Rebecca Chaikin
202.387.2800 or email@example.com
September 5, 2007 | Washington, D.C.— In response to the continuing missile attacks on the residents of the Israeli town of Sderot, Rabbi David Saperstein, Director of the Religious Action Center of Reform Judaism, issued the following statement:
Monday's Qassam rocket attacks on Sderot, which hit an educational facility for young children, are only the latest despicable violence aimed at both terrorizing Israeli civilians and frustrating progress on the path toward peace in the region. These attacks are particularly heinous in targeting children, as the perpetrators said, "a gift for the opening of the school year."
Beyond the physical damage and threat to lives caused by the rocket, this inflammatory statement is clearly intended to provoke a response from Israel, which has a responsibility to protect its citizens, and to further destabilize the region. We urge all those committed to peace to condemn these attacks and to denounce the efforts of these cowardly terrorist organizations and individuals. Certainly, at a bare minimum, children should be safe in their schools.


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For-profit higher education in the United States
For-profit education in the United States (known as for-profit college or proprietary education in some instances) refers to higher education educational institutions operated by private, profit-seeking businesses. Historically, most colleges and universities in the US have been not-for-profit but for-profit institutions rapidly grew in number and size in the late twentieth century. Although supporters of for-profit higher education have argued that the profit motive encourages efficiency, this arrangement has also drawn controversy and criticism. [1][2][3][4][5][6]
Since 2010, for-profit colleges have received greater scrutiny, and negative attention from the US government, state Attorneys General, the media, and scholars.[7][8]
- 1 List of for-profit corporations and their brands
- 2 Politics and political lobbying
- 3 Recruiting, advertising, and lead generators
- 4 Rapid growth followed by decline
- 5 Sources of capital and cash flow
- 6 Benefits
- 7 Drawbacks
- 8 Accreditation and transfer-of-credits
- 9 Business failures
- 10 Criminal and civil investigations
- 11 Classification of for-profit institutions
- 12 Attempts to regulate the industry
- 13 Resistance to regulation
- 14 For-profit colleges transitioning to nonprofit colleges
- 15 See also
- 16 References
- 17 Bibliography
- 18 Further reading
- 19 External links
List of for-profit corporations and their brands[edit]
Many for-profit institutions are subsidiaries of larger companies, such as Apollo Education Group, American Public Education, Bridgepoint Education, Capella Education, Career Education Corporation, Corinthian Colleges, Devry, Education Corporation of America, Education Management Corporation, Educational Credit Management Corporation, Graham Holdings, Laureate Education, Lincoln Education, Premier Education Group, Quad Partners, Strayer Education, and Universal Technical Institute.
Laureate Education[9] and Apollo Education Group[10] have become powerful international education corporations.
Laureate, the largest US-based for-profit higher educator, is reported to have 800,000 students worldwide, in North America, Latin America, Europe, the Middle East, Africa, and Asia Pacific.[11] Former US President Bill Clinton has been an honorary Chancellor of the for-profit enterprise.
Politics and political lobbying[edit]
Politics play a significant part in the history of for-profit schools in the US. The largest political lobby for the for-profit industry is the Association of Private Sector Colleges and Universities (APSCU).[12][13][14] The for-profit education industry has spent more than $40 million on lobbying since 2007[15] and $36 million since 2010.[16]
The Cato Institute's Center for Educational Freedom also supports for-profit higher education.[17][18]
Political operatives with close ties to for-profit education include Lanny Davis,[19] Heather Podesta,[8][20] Urban League President Marc Morial, former Ted Kennedy aide Jane Oates,[21] and National Action Network's civil rights activist Al Sharpton [22] In 2014, APSCU hired Michael Dakduk, former head of Student Veterans of America.[23]
The largest for-profit colleges also maintain power through corporate alliances and a revolving door of senior US Department of Education officials who are hired as regulatory experts or corporate board members.[24][25][26]
Recruiting, advertising, and lead generators[edit]
The for-profit college industry has spent billions of dollars on student recruiting, advertising, and buying leads for recruitment.[27][28] In 2011, for example, University of Phoenix, ITT Tech, Devry, and Capella together spent more than $100,000,000 on Google Ads.[29] A few Wall Street-backed schools spend large amounts on advertisements on day time and late night television.[30] In 2012, Apollo Group, the parent company of University of Phoenix, reportedly spent $665,000,000 on advertising and marketing.[27] Lead Generators are companies that find potential students and provide their information to for-profit schools.[31][32][33]
Rapid growth followed by decline[edit]
For-profit colleges in the US have their origins in the Colonial Era.[34]
For-profit colleges grew significantly after 1972, when the Higher Education Act was amended so that for-profit colleges could receive US government funds.[3][35] Their numbers exploded after 1992, when after the United States House of Representatives Committee on Education and the Workforce created a federal regulation known as the "90–10 rule" and defined "institution of higher education" for the purposes of federal-aid eligibility as including for-profit institutions. The idea behind the 90–10 rule was that if a proprietary school's offerings were truly valuable—for example, if they filled some niche that traditional State and private non-profit educational institutions did not—then 10% of their students would be willing to pay completely out-of-pocket, i.e., those who fell above federal guidelines for receiving taxpayer subsidies to attend college. Legitimate educational institutions routinely met this bar without even paying attention.[36][37][38]
For-profit higher education also grew in the wake of state budget cuts and stagnation in higher education funding from the 1980s onward.[39]
According to the US Department of Education, the number of for-profit colleges rose from approximately 200 in 1986 to nearly 1000 between in 2007.[40] From 1990 to 2009, for-profit colleges gained significant ground over public colleges, growing from 2 percent of all undergraduates to 11.8 percent.[41]
Increased capitalization of for-profit colleges occurred after banks such as Goldman Sachs and Wells Fargo and investment firms and hedge funds such as Blum Capital Partners and Warburg Pincus became large institutional investors in this industry.[42][43][44][45]
Enrollment in for-profit education has been in decline since 2011.[46][47][48] Two companies, Corinthian Colleges and Education Management Corporation faced enrollment declines and major financial trouble in 2014 and 2015.[49] University of Phoenix, a subsidiary of Apollo Group, has also seen more than a 50% drop in enrollment since its peak.[50]
According to the Harkin Commission and the NY Times "students at for-profit colleges make up 13 percent of the nation's college enrollment, but account for about 47 percent of the defaults on loans. About 96 percent of students at for-profit schools take out loans, compared with about 13 percent at community colleges and 48 percent at four-year public universities." [51] [52] A 2014 report by The Institute for College Access and Success shows that the likelihood of a student defaulting is three times more likely at a for-profit college than a 4-year public or non-profit college and almost four times more likely than a community college.[53]
Sources of capital and cash flow[edit]
The major sources for initial capital for public for-profit colleges come from institutional investors: international banks, hedge funds, institutional retirement funds and state retirement funds.[43][54][55]
The major sources of cash flow come from US Department of Education Higher Education Act Title IV funds. Title IV funds include Federal Family Education Loans (FFEL), Direct Loans, Federal Perkins Loans, Federal Pell Grants, Academic Competitiveness Grants (ACG), National SMART Grants, Federal Supplemental Educational Opportunity Grants (FSEOG), and Federal Work-Study (FWS).[56] In the 1990s, Congress began requiring that for-profit schools receive at least 10% of their revenues from non-federal student aid sources, which include the GI Bill.[57]
In the 2009-2010 academic year, for-profit higher education corporations received $32 billion in Title IV funding—more than 20% of all federal aid.[35] For-profit colleges get approximately 70% of their funds from Title IV programs,[58] however, some colleges get more than 80% of their funds from Title IV.[52]
The for-profit industry also has received billions of dollars through VA benefits also known as the GI Bill.[52] In the 2010-2011 school year, more than $1,000,000,000 went to eight for-profit schools.[59][60] In the 2012-2013 academic year, 31 percent of GI Bill funds went to for-profit colleges. Veteran participation in these schools, in effect, transferred $1.7 billion in post-911 GI Bill funds to these schools.[61]
These corporations also obtain cash flow through student private loans, corporate loans, and the selling of assets.[62][63] Problems with high-interest private loans to students at Corinthian Colleges (Genesis loans) and ITT Tech (PEAKS loans) have gained scrutiny from the Consumer Financial Protection Bureau and the Securities and Exchange Commission.[64] [65]
Historically, for-profit education has offered open admissions to non-traditional students, convenience of schedule and location, instructors with workplace knowledge, and real world vocational training rather than traditional training. Critics of Wall Street-backed for-profit educators, however, have questioned these perceived benefits.[5][66][67]
For-profit schools like University of Phoenix are said to be more inclusive, recruiting and graduating more African Americans than public higher education.[68][69] The Journal of Blacks in Higher Education has called University of Phoenix "a pillar of African American higher education." [70] Through the Thurgood Marshall fund, students at 47 publicly supported historically Black colleges and universities, may supplement their on-campus course loads with course programs using the University of Phoenix online platform.[71]
For-profit colleges have also been seen as a second chance for students who have performed poorly in the past.[72]
It may be argued that for-profit colleges also created innovations that would force public higher education to be more responsive to student needs [73]
For-profit colleges have been compared favorably to community colleges in regards to graduation rates,[18] but these comparisons may be offering misleading statistical comparisons [74] [75]
A study by the National Bureau of Economic Research, in Cambridge, Massachusetts, has reported that students who attend for-profit education institutions are more likely to be unemployed, earn less, have higher debt levels, and are more likely to default on their student loans than similar students at non-profit educational institutions.[76] Although for-profits typically serve students who are poorer or more likely to be minorities, these differences do not explain the differences in employment, income, debt levels, and student loan defaults.[76] The Government Accountability Office has also found that graduates of for-profits are less likely to pass licensing exams, and that poor student performance cannot be explained by different student demographics.[77]
Compared to community colleges, some for-profits may have higher completion rates for certificates and associate degree programs,[74] but higher drop out rates for four-year bachelor's degrees.[76] However, studies suggest that one- and two-year programs often may not provide much economic benefit to students because the boost to wages is offset by increased debt. By contrast, four-year programs provide a large economic benefit.[78]
An investigation by the New York Times suggested that for-profit higher education institutions typically have much higher student loan default rates than non-profits.[79] Two documentaries by Frontline have focused on alleged abuses in for profit higher education.[80][81]
For-profits have been sued for allegedly using aggressive and deceptive sales and marketing practices.[82] Holly Petraeus, wife of retired General David Petraeus and a high-ranking official at the Consumer Financial Protection Bureau, has accused for-profits of preying on vulnerable military personnel.[83] Petraeus wrote:
- "This gives for-profit colleges an incentive to see service members as nothing more than dollar signs in uniform, and to use aggressive marketing to draw them in and take out private loans...One of the most egregious reports of questionable marketing involved a college recruiter who visited a Marine barracks at Camp Lejeune, North Carolina. As the PBS program Frontline reported, the recruiter signed up Marines with serious brain injuries. The fact that some of them couldn't remember what courses they were taking was immaterial, as long as they signed on the dotted line."
A report by the Government Accountability Office (GAO) documented misleading sales and marketing tactics used by several for-profits.[84][85][86] Critics have also pointed out that more than half of for-profits' revenues are either spent on marketing or extracted as profits, with less than half spent on instruction.[87][88][89]
Opponents say that the fundamental purpose of an educational institution should be to educate, not to turn a profit. In 2000, Bob Chase, president of the National Education Association, stated that "educating children is very different from producing a product".[90]
Certain postsecondary education programs at institutions of higher education are eligible for participation in the federal student aid programs, known as Title IV of the US Higher Education Act (HEA). These programs, which are offered by public and private not-for-profit institutions, postsecondary vocational institutions, and by for-profit proprietary institutions, should prepare students for gainful employment. For decades, the U.S. Department of Education (ED) had not established regulations that explicitly outlined what it means for a program to be properly preparing students for gainful employment. As pressing concerns about the quality of programs at for- profit institutions began to arise, the concerns about the level of student loan debt assumed by students did as well. Such issues led to new initiatives and rules to be set in place outlining the parameters for what should be mandated to help ensure gainful employment.
The Senate HELP committee released data showing one in every four students who enroll at a for-profit school default on their loans within three years of leaving, with for-profit students accounting for almost half of all loan defaults.[91] Most for-profit colleges charge enrollees much higher tuition rates than analogous programs at community colleges and state public universities despite credits being likely not eligible to be transferred to other institutions.[91] In fact, 96% of students attending for-profit college apply for federal student loans compared to 13% at community colleges. During the 2009-2010 school years, for-profit colleges received almost $32 billion in grants and loans provided to students under federal student aid programs.[92] This staggering number means nearly all students at for-profit institutions acquire student loan debt, even when they do not earn the end product of a degree or accumulate increased earning power through their studies (Sessions, 2011). These statistics represent a large portion of for- profits, uncovering the serious need for greater accountability in ensuring students are making sound investments in such institutions.
According to the Government Accountability Office, enrollment in such institutions has increased faster than traditional higher-education institutions in recent years. With the student and federal interest in such programs growing, so has the concern with their productivity. Regrettably, this is not a simple matter to address, as the issue is multidimensional. For-profit institutions have become an increasingly visible portion of the U.S. higher education sector. For-profits also acquire the largest percentage of their overall revenue from federal student aid programs, highlighting tax dollars are potentially not being used efficiently.[93]
Federal regulatory actions by the ED have attempted to address these issues in the Title IV of the Higher Education Act of 1965, as amended. These efforts were very contentious. For-profit institutions argue their sector is unfairly targeted and believe the Department of Education over stepped its boundaries in 2010 by implementing regulations specifying requirements for Gainful Employment. These rules outlined in a report by Congressional Research Service (CRS), aimed to hold for-profits accountable by creating standards which must be upheld and followed, which will in turn attempt create more opportunity for gainful employment amongst enrollees.[94] Through these regulations the ED believed that institutions will reinforce their educational programs to meet these higher standards, and relatively few programs will fail. Programs that offer a rewarding education at a reasonable price will succeed, and institutions will continue to innovate to assist students and taxpayers.[95]
The regulations mandated by the ED were to help regulate the for-profit sector and to combat the issue of Gainful Employment. However, the Association of Private Sector Colleges and Universities, which endorses for –profits, challenged these regulations in court. On June 30, 2012 the U.S. District Court for the District of Columbia decided to vacate most aspects of the regulations.[94] The court sustained that the ED had the authority to regulate gainful employment, yet it cited the ED had not provided rationale metrics or measures in the debt measures. At present, only the disclosure requirements of providing prospective students with placements rates, on time graduation rates and other similar information remain.[96] On March 19, 2013 the judge ruled again in response to the ED's motion to reinstate the reporting requirements in order that it could implement the disclosure requirements of Gainful Employment. The judged denied the motion of the ED on the basis that the reporting requirements would violate the federal ban on the student unit record system. It is strongly debatable that the court's ruling negates the small amount of transparency and accountability mandated by the disclosure requirements, leaving the policy issue of for-profits being accountable for Gainful Employment unattended.[97]
Some former students claim that for-profit colleges make them feel like they went to the flea market and bought themselves a degree.[98]
According to James G. Andrews of the American Association of University Professors, corporate models of education harm the mission of education.[99]
Some critics have called for-profit education "subprime education", in an analogy with the subprime mortgages bubble at the heart of the Great Recession – finding uninformed borrowers and loading them with debt they cannot afford, then securitizing and passing the loan onto third-party investors. Activist short seller Steve Eisman (famous for being a character in Michael Lewis's The Big Short) has described the accreditation situation regarding for-profits like ITT as follows: "The scandal here is exactly akin to the rating agency role in subprime securitizations."[100]
A two-year congressional investigation report—from a committee chaired by Senator Tom Harkin, D-Iowa—examined enrollment numbers in selected for-profit higher education institutions. The committee found that $32 billion in federal funds were spent in 2009-2010 on for-profit colleges. The majority of students enrolled in the institutions left without a degree and carried post-schooling debt. Regarding the dropout rates, the report said 54% of students in bachelor degree programs dropped out before degree completion and 63% of students in associate degree programs dropped out.[101]
Accreditation and transfer-of-credits[edit]
Many for-profit institutions of higher education have national accreditation rather than regional accreditation. Regionally accredited schools are predominantly academically oriented, non-profit institutions.[102][103] Nationally accredited schools are predominantly for-profit and offer vocational, career, or technical programs.[102][103] Many regionally accredited schools will not accept transfer credits earned at a nationally accredited school even if the curriculum and content of the course are similar.[102][103][104][105]
In the 2005 congressional discussions concerning reauthorization of the Higher Education Act and in the U.S. Secretary of Education's Commission on the Future of Higher Education, there have been proposals to mandate that regional accrediting agencies bar the schools they accredit from basing decisions on whether or not to accept credits for transfer solely on the accreditation of the "sending" school.[104][105] They could still reject the credits, but they would have to have additional reasons.[citation needed]
The American Commission of Career Schools and Colleges (ACCSC), a nonprofit organization created for the purpose of accrediting for-profit schools, supports the proposed rule.[106] It and other nationally accrediting institutions and have been lobbying for it for some time.[104][105] The ACCSC claims regionally accredited schools will not accept nationally accredited schools credits for purely arbitrary, prejudicial and/or anti-competitive reasons.[106] It further states that, since the Department of Education recognizes both national and regional accreditation, there is no reason for regionals to differentiate between the two and to do so amounts to an unwarranted denial of access.[104][105][106]
The position of the American Association of Collegiate Registrars and Admissions Officers (AACRAO) is that national accrediting standards are not as rigorous and, though they might be well-suited for vocational and career education, they are ill-suited for academic institutions.[107] AACRAO alleges that this proposed rule is unnecessary and unjustified, could threaten the autonomy and potentially lower the standards of regionally accredited schools, and drive up their costs.[107] Furthermore, it states the proposed rule is an attempt by the for-profits' "well-funded lobbyists" to obscure the difference between for-profits' "lax academic criteria for accreditation" and non-profits' higher standards.[107]
Several of the larger for-profit schools have sought and received regional accreditation, including the following:
- American InterContinental University
- American Public University System
- The Art Institutes
- Art Institute of Pittsburgh
- Capella University
- DeVry University
- Fashion Institute of Design & Merchandising (FIDM)
- Heald College
- Kaplan University
- Miami International University of Art & Design
- National American University
- Pittsburgh Technical Institute
- Post University
- San Joaquin Valley College
- Strayer University
- University of Phoenix (placed "on notice" by the Higher Learning Commission)[108]
- Universal Technical Institute
- Walden University
Accrediting agencies have gained some scrutiny and criticism for conflicts of interest. Because these agencies receive their funding from the institutions themselves, they may have a vested interest in not aggressively supervising these for-profit colleges.[109]
According to Chris Kirkham and Kevin Short: "Two accrediting bodies...collectively monitor nearly 60 percent of all American for-profit colleges. They preside over almost half of those schools with the nation's worst student loan default rates....Ten of the 15 board members supervising the ACICS are drawn from the industry, including executives from Corinthian, Education Corporation of America and ITT Technical Institute. On the ACCSC board, industry executives fill eight of the 13 slots, representing publicly traded companies such as Universal Technical Institute and Kaplan Higher Education."[110]
Business failures[edit]
Some notable failures have been Corinthian Colleges and Education Management Corporation.[111][112] In 2010,Trump University was closed by the State of New York for operating without a license.[113] In 2014, FastTrain college closed after being raided by the FBI.[114]
Criminal and civil investigations[edit]
For-profit higher education in the US has been the focus of concern regarding business practices. In August 2010, the Government Accountability Office reported on an investigation that randomly sampled student-recruiting practices of several for-profit institutions. Investigators who posed as prospective students documented deceptive recruiting practices, including misleading information about costs and potential future earnings. They also reported that some recruiters had urged them to provide false information on applications for financial aid.[115]
Out of the fifteen sampled, all were found to have engaged in deceptive practices, improperly promising unrealistically high pay for graduating students, and four engaged in outright fraud, per a GAO report released at a hearing of the Health, Education, Labor and Pensions Committee held on August 4, 2010.[116] Examples of misconduct include:
- offering commissions to admissions officers,
- employing deceptive marketing tactics by refusing to disclose total tuition cost to prospective students before signing a binding agreement,
- lying about accreditation,
- encouraging outright fraud by enticing students to take out student loans even when the applicant had $250,000 in savings,
- promising extravagant, unlikely high pay to students,
- failing to disclose graduation rate, and
- offering tuition cost equivalent to 9 months of credit hours per year, when total program length was 12 months.
The four for-profit colleges found to be engaging in fradulent practices were:
- Westech, California: Encouraging undercover applicant with falsified $250,000 in savings to falsely increase the number of dependents in the household in order to qualify for a Pell Grant, as well as take out the maximum amount in student loans;
- Medvance Institute in Miami, Florida: Financial aid representative told an applicant not to report $250,000 in savings, comparing student loans to a car payment in that, "no one will come after you if you don't pay". In fact, a student loan default may remain in the debtor's credit history, prevent them from taking out a car loan, mortgage or rent, and may have their pay garnished up to 15%, until the student loan is paid in full.[citation needed] Another admissions officer at Kaplan College in Pembroke Pines, Florida,[117] alluded to fraudulent behaviour stating to the applicant when inquiring about the repayment of loans, "You gotta look at it ... I owe $85,000 to the University of Florida. Will I pay it back? Probably not ... I look at life as tomorrows never promised ... Education is an investment, you're going to get paid back ten-fold, no matter what.";
- Anthem Institute in Springfield, Pennsylvania: Financial aid representative editing applicant's FAFSA form by omitting $250,000 in savings;
- Westwood College in Dallas, Texas: Admissions representative telling applicant to falsely add dependents to qualify for Pell Grants, assuring the applicant that the dependents would not be verified through previous income tax returns nor Social Security numbers, and financial aid representative encouraging applicant not to report the $250,000 in savings, stating that "it was not the government's business how much money the undercover applicant had in a bank account.", when the Department of Education requires students to report such assets, along with income, to determine how much and what type of financial aid will be awarded.[citation needed]
It was found that 14 out of 15 times, the tuition at a for-profit sample was more expensive than its public counterpart, and 11 out of 15 times, it was more expensive than the private counterpart. Examples of the disparity in full tuition per program include: $14,000 for a certificate at the for-profit institution, when the same diploma cost $500 at a public college; $38,000 for an Associate's at the for-profit institution, when the comparable program at the public college cost $5,000; $61,000 for a Bachelor's at the for-profit institution, compared to $36,000 for the same degree at the public college.[118]
This is counter to International Education Corporation CEO Fardad Fateri's claims of the lack of use of unorthodox recruiting practices and a for-profit's "value" in an IEC open letter to Congress,[119][citation needed] the tuition cost of certificates and Associate degrees being 28 and 6 times more than at a public college, respectively; Fateri writes, "Credit should be given to non-profit universities that have been able to convince students and their sophisticated parents to pay approximately $400,000.00 for an undergraduate degree that will seldom lead to an academically related career." However, the most expensive college in the United States, Sarah Lawrence College in Bronxville, New York, had a tuition cost of $41,040 for 2009 fiscal year,[120][121] bringing the tuition of a four-year bachelor's degree to just above $160,000.
The institutions identified in the Committee hearing in respect to the GAO report numeration were:
- University of Phoenix – Phoenix, Arizona[122]
- Everest Institute – Mesa, Arizona[123]
- Westech College – Victorville, Ontario, Moreno Valley, California[124]
- Kaplan – Riverside, California[125]
- Potomac College – Washington, D.C.
- Bennett Career Institute – Washington, D.C.
- Kaplan – Pembroke Pines, Florida[126]
- College of Office Technology – Chicago, Illinois[127]
- Argosy University – Chicago, Illinois[128]
- University of Phoenix – Philadelphia, Pennsylvania[123]
- Anthem Institute – Springfield, Pennsylvania[129]
- Westwood College – Dallas, Texas[129]
- Everest Institute – Dallas, Texas[130]
- ATI Career Training – Dallas, Texas[131]
Students at for-profit institutions represent about 12% of all college students, but receive roughly 25% of all Federal Pell Grants and loans. They are also responsible for approximately 44% of all student loan defaults.[132]
[133] University of Phoenix tops this list with Pell Grant revenue of $656.9 million with second and third place held by Everest Colleges at $256.6 million and Kaplan College at $202.1 million for the 2008–2009 fiscal year, respectively.[134] In 2003, a Government Accountability Office report estimated that overpayments of Pell Grants were running at about 3% annually, amounting to around $300 million per year.[135] Some of the universities that are top recipients of Pell Grants have low graduation rates, leaving students degreeless, and graduating alumni may find it excessively difficult to find work[136][137] with their degrees, leading some former students to accuse recruiters of being "duplicitous", and bringing into serious question the effectiveness of awarding Pell Grants and other Title IV funds to for-profit colleges.[138][139] University of Phoenix's graduation rate is 15%.[140][141] Strayer University, which reports its loan repayment rate to be 55%, only has a repayment rate of roughly 25%,[142] according to data released by the U.S. Department of Education on August 13, 2010.[143] The low repayment rate makes Strayer ineligible for receiving further Title IV funds in accordance with new "Gainful employment" regulations brought forth by the Department of Education, which are to take effect on July 2011.[144] If passed, the minimum loan repayment requirement for any institution receiving Title IV funds, subject to suspension and expulsion if not compliant, will be 45%.[145]
For-profits topped the Department of Education's list for the 2005–2007 cohort default rates, with campuses at ATI and Kaplan reporting default rates far above 20%. Most of the for-profits' expansion has been in the states of California, Arizona, Texas and Florida, with the metro areas of Los Angeles, Phoenix, Dallas and Miami-West Palm Beach being centers of their growth.[122][146][147][148][149] For comparison, in Miami, Everest Institute reports a default rate for two of its campuses to be 18% and 20%; Miami Dade College, the district's community college, which serves as a primary channel for local beginning students, reports a default rate of roughly 10%; Florida International University, a public university serving the Miami metropolitan area, reports approximately 5%.[150]
In an August 4, 2010 Health, Education, Labor and Pensions Committee hearing, Gregory Kutz of the GAO stated that the fraudulent practices may be widespread in the For-Profit industry, noting a University of Phoenix executive chart that encouraged deceptive practices.[151] Joshua Pruyn, a former admissions representative, disclosed to the committee hearing several internal emails distributed among admissions officers in March 2008 which encouraged applications and enrollments through the use of a commissions reward system. During a congressional hearing to present the report, Pruyn's testimony was disproven by tapes of conversations, and it was reported that Pruyn's comments were written by attorneys who were suing Westwood,[152] and inappropriately coached by Chairman of the committee Senator Thomas Harkin staffers who organized the hearing.[153] Sen. Harkin noted the conflict of interest due to the ACCSC, a national accrediting agency that accredits many for-profit colleges nationwide,[154] receiving compensation directly from the institutions to which it awards accreditation. The Inspector General issued an assessment in late 2009 recommending the limiting and possible suspension or expulsion of the Higher Learning Commission of the North Central Association of Colleges and Schools due to conflicts in the manner in which the accrediting agency reviews credit hours and program length for online-colleges, specifically American InterContinental University, a for-profit college.[155] The NCA HLC accredits the University of Phoenix and Everest in Phoenix, Arizona.
On November 30, 2010, the GAO issued a revised report, softening several examples from an undercover investigation and changing some key passages, but stood by its central finding that colleges had encouraged fraud and misled potential applicants.[156]
In 2014, a criminal investigation of Corinthian Colleges was initiated.[157]
As of 2015, The US Attorney General and at least eleven states have maintained an $11 billion lawsuit against Education Management Corporation [158] The US Consumer Financial Protection Bureau also has a suit against ITT Educational Services, parent company of ITT Tech.[159] [160]
Classification of for-profit institutions[edit]
Kevin Kinser, assistant professor of educational administration and policy at the University at Albany, has proposed a "multidimensional classification" scheme of for-profit higher education.[161] Kinser's classes of proprietary colleges are organized by these criteria:
1. Geographic scope:
- "Neighborhood" – close geographic proximity, in a single state
- "Regional" – two or more campuses in neighboring states
- "National" – including in states across the United States and virtual colleges
2. Ownership dimension:
- "Publicly traded" corporations
- Family-owned "enterprise institution(s)"
- "Venture institutions" held by private investors
3. Highest degree granted:
- Schools that give non-degree certificates
- Institutes that grant associate's degree – such as L.P.N., A.O.S., or A.A.S.
- Colleges that grant a bachelor's degree – usually a B.S. or B.B.A.
- Universities that grant graduate degrees – a master's or doctorate.
Attempts to regulate the industry[edit]
The US Department of Education (DoED) has proposed rules, "gainful employment regulations", that would provide more transparency and accountability to institutions that offer professional and technical training. According to DoED, this regulation is an attempt to "protect borrowers and taxpayers."[162]
In his 2015 budget proposal, President Obama recommended greater regulation of for-profit education, including a closure of the loophole that exempted GI Bill money from being used in the 90-10 formula.[163]
Resistance to regulation[edit]
Lobbyists for the for-profit higher education industry have taken several steps to stop regulation and to fight against transparency and accountability.[164] They have also supported at least two lawsuits to quash gainful employment regulations.[165][166] [167]
For-profit colleges transitioning to nonprofit colleges[edit]
At least four colleges or universities have transitioned to nonprofit status: Keiser University, Stevens-Henager College, Remington College, and Herzing University.[168] Journalists argue that these transitions are strategies to reduce state and federal regulations and to obtain more Title IV funds.[169][170]
Grand Canyon University, one of the most respected of the US for-profit colleges, has also been researching a possible transition that would require an estimated $2 billion buyout from stockholders.[171]
See also[edit]
- List of for-profit universities and colleges
- Business college
- Career college
- Diploma mill
- List of unaccredited institutions of higher education
|This article uses bare URLs for citations, which may be threatened by link rot. (February 2015)
- ^ http://www.usatoday.com/story/news/nation/2013/07/02/college-default-rates-higher-than-grad-rates/2480295/
- ^ Halperin, David (March 26, 2014). Stealing America's Future: How For-Profit Colleges Scam Taxpayers and Ruin Students' Lives. RepublicReport.org.
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- ^ Kelly Field, Demographics Do Not Explain For-Profit Colleges' Shortcomings on Student-Success Measures, GAO Says, Chronicle of Higher Education, Dec. 7, 2011, http://chronicle.com/article/article-content/130040/
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- ^ "Where Are Federal G.I. Bill Dollars Going?" (PDF). U.S. Senate. Retrieved 19 March 2013.
- ^ "Senator Harkin's Findings Regarding Veterans and For‐Profit Colleges" (PDF). U.S. Senate. Retrieved 19 March 2013.
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- Berg, G. (2005). Lessons from the Edge: For-profit and Nontraditional Higher Education in America
- Best, J, and Best, E. (2014). The Student Loan Mess:How Good Intentions Created a Trillion-Dollar Problem
- Blumenstyk, G. (2014). American Higher Education in Crisis?: What Everyone Needs to Know
- Bousquet, M. (2008). How the University Works: Higher Education and the Low Wage Nation
- Breneman, D. et al. (2006). Earnings from Learning: The Rise of For-profit Universities
- Chung, A. (2012). Choice of For-Profit College Economics of Education Review, v31 n6 p1084-1101.
- Giroux, H. (2014). Neoliberalism's War on Higher Education
- Halperin, D. (2014). Stealing America's Future: How For-Profit Colleges Scam Taxpayers and Ruin Students' Lives
- Hentschke, G. et al. (2010). For-Profit Colleges and Universities: Their Markets, Regulation, Performance, and Place in Higher Education
- Johnson, B. et al. (2003). Steal This University: The Rise of the Corporate University and the Academic Labor Movement
- Kinser, K. (2006). From Main Street to Wall Street: The Transformatin of For-Profit Higher Education
- Leach, T. (2008). The Impact of For-profit Privatization on Higher Education in the State of Massachusetts
- Levin, H. (2001). Thoughts on For-Profit Schools
- McGuire, M. (2012). Subprime Education: For-profit Colleges and the Problem with Title IV Student Aid Duke Law Journal, 62 (1): 119-160
- McMillan-Cottom, T. (2014). For-Profits Are Us. AFT Higher Education On Campus
33(4), pp. 7–11.
- Mettler, S. (2014). Degrees of Inequality: How the Politics of Higher Education Sabotaged the American Dream
- Morey, A. (2004). Globalization and the Emergence of For-profit Education
- Murphy, J. (2013). Mission Forsaken—The University of Phoenix Affair With Wall Street
- Perini, M.(2011). A Phoenix Still in Ashes: For-Profit Open Admissions and the Public Good
- Ruch, R. (2003). Higher Ed Inc.: The Rise of the For-Profit University
Further reading[edit]
"New Default Rate Data for Federal Student Loans: 44% of Defaulters Attended For-Profit Institutions", The Pew Charitable Trusts, Project on Student Debt, Berkeley, California, December 15, 2009
- "It is set up like a call center": former employee of Ashford University describes unethical telemarketing techniques employed to increase enrollment.
- "Emotional Exploitation used by For-profit Colleges" Exposing Corrupt Recruitment Practices
- Krystal Steinmetz (March 19, 2014). "Feds Propose New Rules For For-Profit Colleges". MoneyTalksNews.
External links[edit]
- "College, Inc.", PBS Frontline documentary, May 4, 2010, describing controversies and failures of post secondary for-profit institutions.
- Undercover Testing Finds Colleges Encouraged Fraud and Engaged in Deceptive and Questionable Marketing Practices United States Government Accountability Office
- "For Profit EDU" – Industry Blog and user group specific to For-Profit Education
- For Profit Colleges Independent Blog on For-Profit Colleges and Universities
- "Educating Sergeant Pantzke", PBS Frontline documentary,June 28, 2011, The veteran testifyied before a US Senate committee hearing determining how to protect service members and veterans from predatory for-profit colleges. Pantzke said, "I'm not the only one that's being railroaded by these people."[1]


text:
15 CFR 718.1 - Definition.
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The Chemical Weapons Convention Implementation Act of 1998 ("the Act") defines confidential business information as information included in categories specifically identified in sections 103(g)(1) and 304(e)(2) of the Act and other trade secrets as follows:
(g) Data maintained for compliance with environmental or occupational health and safety regulations;
(h) Data on personnel and vehicles entering and personnel and personal passenger vehicles exiting the site;
(k) Any operating requirement, input, or result that identifies any type or quantity of chemicals used, processed or produced;
(m) Information that qualifies as a trade secret under 5 U.S.C. 552(b)(4) (Freedom of Information Act), provided such trade secret is obtained from a U.S. person or through the U.S. Government.
Title 15 published on 2014-01-01
no entries appear in the Federal Register after this date.


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Disney's Frozen - Grading and Discussion
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April 7 2014, 08:30 PM
Corran Horn
Vice Admiral
Location: I-L
Re: Disney's Frozen - Grading and Discussion
JD wrote:
Interesting Fact:
Elsa toys are insanely popular, while Anna toys don't appear to be selling as well. The Wal-Mart toys department I work at has had a few Anna dolls for a while now, but I haven't seen any Elsas. I've had about 5 or 6 people looking for Elsa in the last week, all of whom left disappointed.
Gotta be the dress.
My daughter has the Disney Store ragdoll versions of both, but because Elsa had the fancy dress she ended up being her for Halloween - before she'd even seen the movie.
"I don't drink, I don't smoke, I don't do drugs. I play video games, which I think is a far superior addiction to any of those other ones. "
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Alchemy 2014: Sukhwinder Singh at Southbank Centre
The Bollywood playback singer, who gained international fame for singing Jai Ho in Danny Boyle's Oscar-winning film Slumdog Millionaire. He is accompanied by Indian flautist Rakesh Chaurasia.
Venue Details & Map
Southbank Centre
- Address
Belvedere RoadLondonSE1 8XX
- Telephone:
- 0844 847 9910
- Public transport:
- Underground and Rail Stations: Waterloo, Embankment, Charing Cross, Waterloo East. Buses stop on Waterloo Bridge, on York Road, on Belvedere Road and on Stamford Street.
Book a taxi on +44 (0)844 556 0706 or with London's biggest car service app


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Great in Hermit tank tank
posted 6 years ago
I use this as a background on my Hermit Crab tank.Hermit crabs love climbing and this mat is the perfect choice to use.Another plus is that I can mist it with water,and because it's made from coconut fibers,it retains the water which makes the tank more humid,and that is important for crabs.
Not only is the background more attractive looking,but it's fun watching the crabs scale the wall.I have had this for over three years now,and it's still in really good shape.
Pros: looks good holds moisture lasts forever
Cons: None!
0 of 0 people found this review helpful.
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TV Show Favs Premium Key
5,000 - 10,000 downloadsAdd this app to your lists
+ By MKDevelopment
NOTE: This license key app will not show up in your application launcher/homescreen, it only needs to be installed for TV Show Favs to function after your trial period has ended.
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* Maintenance release
(70 stars)
Please help.
(70 stars)
I've being using this app for a long time now. Best tv show tracker out there. Well worth giving them the support.
(70 stars)
Great app keep it up
(70 stars)
As much as I love the app, I'm not paying for the premium version in each version. I bought the premium key with v2 but now v3 is out, it no longer works and I get ads.
(70 stars)
I have tried most of them and this is my favorite. Works great and have a very good widget. Please keep up the good job.
(70 stars)
I would really recommend this, because you get all the features for a cheaper cost than buying the features seperately
(70 stars)
I like this app so much! However i would like the option to sort shows after the next upcomming show.


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Atmos Energy in on Olympic 811 campaign
With Aug. 11 almost here, Atmos Energy hopes this date on the calendar — 8/11 — will serve as a natural reminder for residents to call 811 before any digging project to have underground utility lines marked. This comes on the heels of a recent report that determined an underground utility line is damaged during digging projects every three minutes nationwide.
"We are excited to announce that the 2012 811 Day effort will result in the first nationwide media effort in history," said Randy West, Atmos Energy manager of public affairs. "We are hopeful this important message reaches a broad spectrum of the population. It is an incredible opportunity to have the 811 message featured during the Olympics."
To support this effort, a group of nearly 50 pipeline companies that support safe digging efforts have contributed funds to purchase advertisements to run Aug. 11 during the 2012 Summer Olympics.
"We want to remind homeowners and professional contractors alike to call 811 before digging to eliminate the risk of striking an underground utility line," West said. "It really is the only way to know if utility lines are buried in your area, and there is really no excuse to not take advantage of this fast, free and easy service."
By calling 811, homeowners and contractors are connected to their local one-call center, which notifies the appropriate utility companies of their intent to dig. Professional locaters are then sent to the digging site to mark the locations of underground utility lines with flags, spray paint or both.
Installing a mailbox, building a deck, planting a tree or laying a patio are all examples of digging projects that need a call to 811 before starting.
For more information, visit www.atmosenergy.com.
Subscribe to the Times Record News
Need Help? Call us at 1-877-710-6181.
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Give me an all black one
Why are clockworks so fascinating?
I have one. It doesn't glow in the dark.
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