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A View to a… Conversion?
Posted on Monday, October 5th, 2009 by Keith Wilson Print This Post
Categories - Consumer Experience, Display, Featured
So, anyone remember the plot to "A View to a Kill"? No? Well, here is a 32-word synopsis from the James Bond spy thriller:
"A rich mogul plans to gain the monopoly on the microchip market by blowing up Silicon Valley and his microchip-producing competitors until his diabolical plans are spoiled by Special Agent 007, James Bond."
Last week, Google unveiled one of many more to come functional enhancements to the AdWords interface designed to become a comprehensive online marketing solution with rich analytics across multiple forms of media: View through conversion tracking in the Google Content Network.
While an evil-genius-out-to-rule-the-world cackling laugh would be well timed about now, the objective observer will realize that the enhancement is a step in the right direction toward being able to tie cross media performance metrics together for every marketer.
"What are view-through conversions?" asks the hardcore search marketer. A view through conversion is a consumer who viewed an ad and converted within a 30-day period, regardless of whether they clicked on the ad that was viewed.
Ad Networks, ad servers, and marketers routinely measure view-through conversions on their display buys as a means of evaluating the effectiveness of their ad. Knowing that consumers routinely will search or shop around before converting, view-through conversions provide insight into ad performance by identifying ads that influence consumers to convert.
While the hardcore direct-response advertiser may think view-through conversions are a crutch for justifying online spend, measuring view-through is a valuable tool used to understand conversion attribution across media channels. The 'last click wins' theory justifies every dollar spent on marketing but often devalues the effects of brand building and influencing ads have in driving a business.
While the movie version lasted a mere 2 hours and 11 minutes, the ending to this story and the fate of those that lie in the path of Google's plans to build a comprehensive cross media marketing analytics platform will have to wait a bit longer. Grab a martini and enjoy the ride. Shaken, not stirred, of course.
Related Articles:
- Google to Update the Way Quality Scores Are Displayed in AdWords - July 26, 2013
- Google AdWords Enhanced Campaigns - February 6, 2013
- Ad Innovations for 2013: The Search Agency POV - December 21, 2012
- Are Facebook Custom Audiences Creepy? - October 4, 2012
- The Search Agency's Point of View: Google Shopping - June 21, 2012
- The Search Agency's Point of View: Facebook Exchange - June 15, 2012
- What's in Store for Digital Ad Spend? - March 29, 2012
- Integrating Facebook Comments into Facebook Ads - January 27, 2011
- Making Sense of the Do Not Track Regulations - December 3, 2010
- A View to a… Conversion? - October 5, 2009
Tags | Google Adwords, google content network, James Bond, View-through conversion tracking


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An analytical compact drain current model for undoped (or lightly doped) short-channel triple-gate fin-shaped field-effect transistors (finFETs) is presented, taking into account quantum-mechanical and short-channel effects such as threshold-voltage shifts, drain-induced barrier lowering, and subthreshold slope degradation. In the saturation region, the effects of series resistance, surface roughness scattering, channel length modulation, and saturation velocity were also considered. The proposed model has been validated by comparing the transfer and output characteristics with device simulations and with experimental results. The good accuracy and the symmetry of the model make it suitable for implementation in circuit simulation tools.
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Bugeater Films recently announced that its award-winning film "Between Us", is available now on Netflix exclusively in its original "Directors Cut" on High Definition. The award-winning film directed by Dan Mirvish stars Taye Diggs, Melissa George, David Harbour and Julia Stiles, and is based on Joe Hortua's hit Off-Broadway play of the same name. The film played at 23 festivals in 7 countries, winning awards ranging from the Grand Jury Prize at the Bahamas International Film Festival, to a Best Actor prize for David Harbour at the Woods Hole Film Festival. The film had a 50+ city US theatrical release through Monterey Media, and is currently airing on Showtime and Starz networks.
"I'm very grateful to Ted Sarandos and his team for giving us all a chance to finally see the film in the original director's cut," said director Dan Mirvish, also a co-founder of the Slamdance Film Festival. "I've known Ted since Netflix consisted of a little three-person bungalow office on the Raleigh Lot in Hollywood. They've come a long way since then, and I'm glad still to be a part of the Netflix family."
"This is the version of the film as it was meant to be seen," Mirvish added. "Netflix has also taken a really creative and comprehensive approach to their subtitled option, which will make the film accessible for both those with hearing impairments, and also those who don't want to disturb their spouse while watching at bedtime. Given the nature of the film, that could save a lot of marriages."
A critically-acclaimed film, "Between Us" has been described as "a sleeper hit" by The Hollywood Reporter, "powerful and brilliant" by Buzzfeed, and "absolutely stunning" by FilmThreat. Mirvish garnered particular praise with favorable comparisons to John Cassavetes, Roman Polanski and Robert Altman. The four-person cast were universally praised for their searing performances and all received several career-best reviews. "Between Us" is a darkly comedic drama about two couples who reunite over the course of two incendiary evenings where anything can happen.
The play originally premiered at Manhattan Theatre Club, and the film had its world premiere at the Oldenburg Film Festival in Germany, and its North American premiere at the Hamptons International Film Festival. "Between Us" was also the Closing Night Film at the 50th Gijon International Film Festival in Spain.
For more information visit HERE


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Wilmington Antique & Flea Market, Inc.
Contact Information
- 802-464-3345
- 217 Route 9 East, Wilmington, VT 05363
Social Media
Established in 1983, the Wilmington Antique & Flea Market has been a must stop for both travelers and area residents for over thirty years. Vendors offer a potpourri of antiques, collectibles, jewelry, glass, furniture, flowers, plants, vegetables and artisan crafts outdoors on the 10 acre property. The attraction is Southern Vermont's largest weekend market.
The seasonal business operates mid-May thru mid-October every Saturday and Sunday as well as Mondays on Memorial Day, Labor Day, and Columbus Day. Admission and parking are free with a food concession on premises.
In 2016, the Wilmington Antique & Flea Market will be opening the weekend of May 21-22.


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Bruce Pearl
Head Coach
2nd Season at Auburn Follow @CoachBrucePearl
Bruce Pearl is a proven winner. In 20 seasons as a head coach he has guided his teams to the NCAA Tournament 17 times and the postseason 18 times. And when he's not winning basketball games, he's winning the hearts of a fan base badly wanting a winner.
In his first year at Auburn, Pearl turned a struggling program into a must-see commodity. Season tickets sold out as Auburn Arena was filled to 85.7 percent capacity over the course of 17 home games, drawing 133,033 total fans into Auburn Arena, the third-best total attendance in school history.
Pearl also turned Auburn into a success story off the court as all five seniors that he inherited graduated on time and the program put together a perfect APR score.
On the court Pearl's first club went 15-20 but won the hearts of the Auburn Family fast. The team started out a blistering 9-1 at home and capped off the season with a memorable four-day stay at the SEC Tournament, winning three games for the first time since 1985 and advancing to the tournament semi-finals.
Senior KT Harrell turned in an All-SEC performance throughout the season, finishing the year as the league's leading scorer (18.5 points per game), sixth in the SEC in field goal percentage (.464) and was the SEC leader in 3-point field goal percentage (.445/10th in NCAA) and 3-point field goals made per game (2.8/33rd in NCAA).
Pearl's impact is also continually felt in the community. When he isn't out buying lunch for students on campus or dropping into Auburn marketing classes, he can be found spreading the word of Auburn basketball at Auburn Alumni events throughout the Southeast. And if he isn't there, there is a good chance he is in the stands supporting one of the other Auburn programs.
Pearl and his wife, Brandy, also remain committed to giving back to those in Alabama as theBruce Pearl Fore the Children Golf Classic has remarkably raised over half a million dollars in its first two years. The mission of Children's Harbor is to help children with serious illness and their families.
The Bruce Pearl Family Foundation in conjunction with L5 Foundation, an organization dedicated to addressing the essential and basic needs of cancer patients, donated $20,000 to five charities in Knoxville in August 2015 while he accepted a $10,000 donation to an endowed scholarship in his name to Camp Koinonia, an outdoor program for children with disabilties.
"Bruce Pearl is a great hire for Auburn," ESPN's Jay Bilas said when Pearl was hired on March 18, 2014. "He will bring an energy and enthusiasm to the program that will be contagious, and he's a truly outstanding coach. Pearl has the goods, and he can really sell them too."
Pearl's 20 years of coaching experience covers four stops. He began his head coaching career with a nine-year stay at Southern Indiana, taking the program to the NCAA Tournament each season, going 231-46 (.834) from 1992-2001. From there he made the move to Wisconsin-Milwaukee, taking the Panthers to the NIT once and the NCAA Tournament twice, including a 2005 Sweet 16 appearance. After compiling an 86-38 (.694) record at UW-Milwaukee, Tennessee tabbed him as its leader in 2005 and he responded by taking the program to six straight NCAA Tournament appearances, two Sweet Sixteens (2007, 2008) and the 2010 Elite Eight, which was the most successful six-year run in Volunteers history.
During Pearl's stay at Tennessee, the Volunteers topped the 20-win mark five times and was the SEC's winningest program during his six seasons, winning the 2008 SEC regular season SEC Championship, the 2006, 2008 and 2009 SEC Eastern Division titles and earned the school's first-ever No. 1 national ranking. From 2006-11, Tennessee went 65-31 (.677) in league play, better than every team in the conference during that time period.
Pearl's preferred style of play, a high-scoring, pressure-type scheme, has proven to be very exciting and very successful throughout the years. His teams have led their conference in scoring 16 of the 20 years that he has been a head coach. His Tennessee squads were the SEC's scoring champion in four of his seasons on Rocky Top, averaging 77.4 points per game while allowing 70.5 ppg. At the Division I level, his teams have topped the 100-point mark 15 times, including a high of 124 in 2009 as well as 121 points in the 2007 NCAA Tournament. In his second year as coach at Southern Indiana the team averaged 101.7 ppg. Twice he has coached the league's leading scorer in UW-Milwaukee's Dylan Page in 2004 (20.9 ppg) and Tennessee's Chris Lofton in 2007 (20.8 ppg).
"(Pearl) has taken down a lot of high-flying teams as the coach at Tennessee," ESPN.com's Pat Forde wrote in Mach 2010. "Playing his Volunteers is hazardous to your ranking."
During Pearl's stay at Tennessee, he attracted outstanding players to Knoxville. Wayne Chism was Pearl's first marquee signee at Tennessee. The Volunteers went 104-38 during Chism's four-year career, and he walked off the court in 2010 as the school's all-time leader in games played and wins. Chism also appeared in more NCAA Tournament games and logged more wins in the "Big Dance" than any Vol in history.
But perhaps more important is the fact that Chism extended a trend that followed Pearl throughout his stay at Tennessee. Every player that played four years for Pearl at Tennessee earned their college degree.
Boasting a .674 winning percentage over 11 Division I seasons, Pearl has done it against some of the toughest schedules in America. At Auburn and Tennessee, he sought out non-conference matchups with the most prominent teams and players on the collegiate landscape.
During his stay at Tennessee the Volunteers defeated Kevin Durant and Texas, Derrick Rose and Memphis, Greg Monroe and Georgetown, Matt Bouldin and Gonzaga, Sherron Collins and Luke Aldrich of Kansas and Ohio State with National Player of the Year Evan Turner. That's in addition to logging SEC wins against future NBA standouts such as Ronnie Brewer, Glen Davis, Joakim Noah, Rajon Rondo and John Wall.
In Pearl's seven years coaching in the SEC, one at Auburn and six at Tennessee, his teams have averaged a phenomenal strength of schedule ranking of 8.1 in the nation by RealTimeRPI.com, including five top six rankings being No. 1 in 2007-08, No. 2 in 2010-11, No. 3 in 2008-09, No. 5 in 2006-07 and No. 6 in 2005-06. Auburn's strength of schedule last season was No. 21.
Pearl's record is 5-5 vs. top 5 teams, including No. 2 Tennessee's 66-62 win at No. 1 Memphis in 2008.
Playing such a difficult schedule led to an average year-end RPI of 17 as well as three top-five seeds in the NCAA Tournament. Twice Tennessee landed in the top 10 in the final national rankings, with a high of No. 5 after logging a school-record 31 wins in 2007-08.
Tennessee's on-court success never came at the expense of academics. Tennessee had 31 SEC Academic Honor Roll selections under Pearl and nine members of the 2006-07 squad earned SEC Academic Honor Roll recognition.
"You can't serve unless you are called upon."
That has been an oft-quoted Pearl mantra throughout his time at Tennessee and has been carried over to Auburn.
An ambassador for the university, Pearl's selfless community service work and generous stewardship made him one of the most influential public figures in the states of Alabama and Tennessee.
He was given the "Spirit of Auburn" Award in the spring of 2015 and was named "Knoxvillian of the Year" by Knoxville Metro Pulse in 2008 and also received the prestigious "Knoxville Award" in 2010. The UT basketball program also earned the UT Men's Community Outreach Team Award twice in his six seasons.
Pearl realized a lifelong dream in the summer of 2008 when his country called upon him to serve as head coach of Maccabi USA's open men's basketball team at the 18th World Maccabiah Games in Israel. He led the American squad to the gold medal for just the third time in 24 years, toppling favored Israel in the title game.
The Maccabiah gold marked Pearl's 16th championship during his head coaching career. In 20 seasons at the collegiate level, his teams have made a remarkable 17 NCAA Tournament appearances and racked up 26 NCAA Tournament wins. Only four times in 20 years has a Pearl-coached team not led its conference in scoring, and his squads have finished either first or second in their respective leagues an astounding 14 times.
Pearl has garnered six National Coach of the Year awards, and his teams have set school records for wins at three different universities (29 at Southern Indiana in 1995, 26 at UW-Milwaukee in 2005 and 31 at Tennessee in 2008). His teams have also won at least 10 games in league play in nine out of his 11 seasons as a Division I head coach.
His NCAA Tournament resume is equally as impressive - as he is one of only seven active head coaches who has led his teams to 10 NCAA Sweet Sixteen appearances. From 2007-2010, Tennessee stood alongside Kansas, Memphis, Michigan State, UNC and Xavier as the only programs in America to reach the Sweet 16 three times.
While Pearl often exults that "it's all about the players," some of his most successful pupils direct the praise Pearl's way.
"When BP first got (to Tennessee), I was just a shooter," three-time All-America Chris Lofton said. "But by the time I left, he and his staff had made me into a scorer."
Current Indiana Pacers guard C.J. Watson is one of more than a dozen players Pearl and his staff have developed in NBA contributors.
"Coach Pearl gets all the credit for my success because he turned me into the player I've become," Watson said. "He was the one who got me to attack the basket and allowed me to play more aggressive."
During the Pearl era, Tennessee played more than 70 games on national television, and a Volunteer appeared on the cover of Sports Illustrated four times. In addition, Tennessee was featured in an ESPN College GameDay matchup four straight seasons.
"Pearl has done a magnificent job of building confidence and belief in his players - and of selling his program to those closest to it - his own students and fans," Bilas said.
Pearl's coaching career began at his alma mater, Boston College, as a student assistant coach to the legendary Dr. Tom Davis. After 14 seasons seated to the right of Davis, the 32-year-old Pearl embarked on his own head coaching career. But Pearl's first break came during his undergraduate career at BC when Davis offered him a position of student assistant in 1978. In 1981, the Eagles won the Big East Conference championship and reached the Sweet Sixteen of the NCAA Tournament. The following season, BC advanced to the Elite Eight.
When Davis moved on to Stanford in 1982, Pearl joined his staff as an assistant coach and then, at the age of 23, was promoted to associate head coach for the Cardinal. While in Palo Alto, Calif., they ended a streak of 20 consecutive losing seasons with a 19-12 overall record in 1983-84, laying the groundwork for a resurgence in Stanford basketball. During that time, they recruited four players who were drafted by the NBA, including Todd Lichti, who finished his career as Stanford's all-time leading scorer with 2,336 career points.
After four seasons on the West Coast, Pearl followed Davis to Iowa in 1986. Over the course of the next six seasons, the Hawkeyes received five NCAA Tournament berths while compiling a 129-63 overall record. In 1987, the Hawkeyes recorded a 30-5 mark and advanced to the Elite Eight before falling to UNLV. And in 1988, Pearl was recognized as one of the top Division I assistants in the country by Basketball Weekly while helping direct the Hawkeyes to the Sweet Sixteen.
His six seasons in Iowa City helped produce 11 NBA draft picks for the Hawkeyes, including Brad Lohaus, Kevin Gamble, B.J. Armstrong, Roy Marble and Acie Earl.
"From the time I met him he was able to get the most out of me as a player," Lohaus said. "He understood my personality and knew how to motivate me. He believed in me when others did not.
"He still stays in touch, offering his friendship and advice."
These 14 seasons with Davis provided Pearl a foundation of basketball knowledge that enabled him to move on to a head coach position.
"I feel like I had a great mentor in Dr. Tom Davis," Pearl said. "If you're any good at anything, chances are you had somebody pretty good who taught you how to do it. I had the pleasure of being by his side for 14 years. He was a brilliant defensive strategist. He taught me how to press and how to run, but more than anything else, he taught me how to work with young people, how to be patient, how to be disciplined and how to get the most out of them, even more than they ever dreamed they could have."
Pearl's first head coaching opportunity came at Southern Indiana, a Division II school located in Evansville, Ind.
Inheriting a team that had won only 10 games the previous season, Pearl's first squad at USI posted a 22-7 record and advanced to the NCAA Tournament. That first season was a precursor of things to come for the school. Over the next nine seasons, the Screaming Eagles posted a 231-46 (.834) record and won four Great Lakes Valley Conference championships.
They received NCAA Tournament bids in each of Pearl's nine seasons and advanced to the Sweet Sixteen six times. USI experienced unparalleled postseason success under Pearl's guidance. The Screaming Eagles won a national championship in 1995 and finished second in 1994. In nine postseason appearances, USI won 16 NCAA Tournament games.
After winning the national championship in 1995, Pearl was named the National Association of Basketball Coaches (NABC) Division II Coach of the Year. Twice (1993 and 1994) he was named the Great Lakes Valley Conference Coach of the Year, and in 2000, he garnered NABC Great Lakes Region Coach of the Year honors.
Late in the 2000 season, Pearl earned his 200th career win, making him the fastest coach in NCAA history to reach the 200-victory mark at one school. Needing just 240 games, Pearl easily broke the record of 250 that had been held by North Carolina State's Everett Case.
In Pearl's four years as head coach at UW-Milwaukee, the Panthers won a pair of Horizon League regular-season titles (2004 and 2005) and two Horizon League Tournament championships (2003 and 2005). They advanced to Division I postseason play for the first time in school history, making two NCAA Tournament appearances (2003 and 2005) and receiving an NIT bid (2004).
In 2005, Pearl led the Panthers to the most successful season in school history. In addition to winning regular season and conference tournament titles, UWM made its' first-ever appearance in the Sweet Sixteen.
Pearl's 51-13 (.797) record in Horizon League games gave him the best winning percentage of any coach in league history. He became the second-fastest coach to win 300 career games with a 73-56 win over Loyola Jan. 8, 2005.
A native of Boston, Mass., Pearl received his bachelor's degree in business administration from Boston College in 1982, graduating cum laude. Pearl has two daughters, Jacqui and Leah, and two sons, Steven and Michael. He is married to the former Brandy Miller of Sevierville, Tenn.
|Coach Pearl
|Boston, Massachusetts
|High School
|Sharon High School
|Boston College
|Quick Facts
|Hired on March 18, 2014
|Head Coaching Career
|20 seasons
|Career Record
|477-165 (.743)
|SEC Record
|69-45 (.605)
|NCAA Tournament
|Sweet Sixteen
|Elite Eight
|1 (2010)
|National Coach of the Year
|SEC Coach of the Year
|AP SEC Coach of the Year
|2006, 2008
|Coaching History
|Auburn - Head Coach
|Tennessee - Head Coach
|Milwaukee - Head Coach
|Southern Indiana - Head Coach
|Coaching Record
|Head Coach
|Head Coach
|Head Coach
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|S. Indiana
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|"Coach Pearl is a proven winner who will bring energy and excitement to our program. We have raised the bar for Auburn basketball, and I could not be more excited for our student-athletes and our future under Coach Pearl's leadership. I know he agrees with me - it's time to win."
- Athletics Director Jay Jacobs
"Tremendous hire by Jay Jacobs - and that's not because I've worked with Bruce the last few years. The guy is a proven winner - and it's just a matter of time before he makes Auburn relevant nationally in basketball. He is one of those rare guys that can both coach, recruit - and get his guys to play hard on a consistent basis. This is the ultimate home run hire."
- Jeff Goodman, ESPN Basketball Insider
"Bruce Pearl is a great hire for Auburn. He will bring an energy and enthusiasm to the program that will be contagious, and he's a truly outstanding coach. Pearl has the goods, and he can really sell them, too. His hiring is really exciting news for Auburn."
- Jay Bilas, ESPN


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Credit Card Act Goes into Effect Monday
Feb 19, 2010
New regulations that the federal government hopes will protect college students from excessive credit card debt by making it more difficult for young people to open multiple lines of credit go into effect Monday. The regulations, which fall under the Credit Card Accountability Responsibility and Disclosure Act of 2009, were approved by Congress last May.
The key pieces of the act include the followin:
The regulations also included a strong suggestion to institutions of higher education that they provide education and counseling to students who may be struggling with credit card debt, or who may know little about managing credit card usage wisely.
Critics of the act since it was approved say that college students, who take on a slew of new responsibilities once they get on campus, should be treated as adults. For better or worse, students now are more apt to use credit cards to pay for their college expenses, and critics say they shouldn't meet obstacles when using their credit cards for those costs. (According to a recent survey by student lender Sallie Mae, 84 percent of undergraduates have at least one credit card; 92 percent of those undergraduates use the cards toward college expenses. College students' average balances are more than $3,100.) Some consumer advocates also say that while it's a good first step toward keeping students from incurring massive amounts of debt, it doesn't do enough, according to an article today in Inside Higher Ed. It fails to include any cap on the interest rate credit card providers can charge, for example.
We have a number of resources available to you about how to avoid credit card debt, make smart decisions about covering your college costs, and managing your money so that you're spending within your means. It may not mean much to you now, but it isn't all that easy to improve upon a credit score. The spending choices you make today will follow you down the line, so ideally, stick to one card if you need one, and if you find yourself in debt, pay off as much as you're able to each month until you're done.
And remember, there's no need to rely on expensive student loan options to pay for your college education. For more information on finding free scholarship money for college, conduct a Scholarships.com free college scholarship search today, then apply and win! It's that easy!
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Posted Under:College Costs , College in Congress
Tags:College Costs , College in Congress , Credit Cards , Student Debt
White House Proposes Federal Budget Freeze
Jan 27, 2010
Immediately on the heels of an announcement that President Obama would be calling for additional assistance to college graduates struggling to repay student loans, the administration also unveiled a proposal to hold federal discretionary spending to current levels for the next three years, a move that could potentially have serious implications for colleges and students.
Currently, most federal education spending, including student financial aid, is discretionary, not mandatory, so it would fall under the umbrella of the budget freeze. This makes it possible that students will see limited increases to federal grants, work-study, and subsidized student loans in the coming years. The White House has pledged to make education a funding priority, but with states and colleges also struggling financially, it's quite possible that financial aid programs will see an end to the boost in financial support they've received in the last few years.
It's possible one federal aid program, at least, may be spared from the budget freeze. Last year, President Obama proposed making the Pell Grant an entitlement, putting it in the category of Medicare and other programs that would be exempt from the budget freeze, but the bill to do so still has not passed the Senate. If the bill passes, Pell funding will be mandatory and increases in Pell Grants will be tied to inflation, guaranteeing students a small, but steady, increase in available aid. If not, it's up to Congress to allocate limited resources for any increases in grant amounts, and with increases in the numbers of college attendees, applications for financial aid, and Pell Grant recipients, it may be all Congress can do to hold funding levels steady for the next three years.
As details of federal and state budgets emerge, and emergency legislation that temporarily boosted funding to schools and student aid begins to be revisited and possibly phased out, exact changes to college funding will become clearer. Already, though, many families are finding paying for college increasingly challenging, even with the aid of college scholarships and grants. There's a possibility that a federal budget freeze could mean that students in the next few years will see a situation similar to the one that faced students at the start of the last decade, where tuition increased rapidly while federal aid held steady and more and more students came to rely on private student loans.
And don't forget, you should pay for your college education with as much free money as possible! Find as many scholarships and grants as you can before turning to student loans. Visit the Scholarships.com free college scholarship search today where you'll get matched with countless scholarships and grants for which you qualify, then apply and win! It's that easy!
|Comments (0)
Posted Under:College Budgets , College in Congress
Tags:College and the Economy , College Budgets , College in Congress , Federal Aid , Financial Aid News
Obama Proposes More Generous Loan Repayment Plan
Jan 26, 2010
Even as much of the student loan agenda President Obama announced last year remains stalled in Congress, he is expected to propose a new plan to assist middle-class workers in repaying their student loans as part of his State of the Union address on Wednesday. On Monday, the White House announced some of the points Obama plans to address, and among the items is a plan to make student loan payments more affordable.
Obama's proposal would alter the federal Income-Based Repayment plan to make it beneficial to a wider range of borrowers. Currently, college graduates who choose Income-Based Repayment are expected to make loan payments equivalent to 15% of their discretionary income each month (defined as income above 150% of the poverty level for the borrower's household size) and to make consistent payments for 25 years, at which time their remaining loan balances will be forgiven. Under the new plan, borrowers would have to make payments of only 10% of their discretionary income each month, and would only have to make payments for 20 years before their remaining balances are forgiven.
This change would have an added bonus for students pursuing careers in public service. Students who enroll in IBR and work in approved public service fields (such as teaching, healthcare, non-profit work, or government employment) can see their loans forgiven after just 10 years of payments in IBR. For many students, this can mean a substantial reduction in their overall loan obligations as well as more easily manageable payments as they begin their careers.
To illustrate the benefits of the President's proposal, the Institute for College Access and Success provided the following example: someone with $33,000 in student loans who currently makes $30,000 per year would have a loan payment of $110 per month under this plan, compared to $170 per month under the current IBR plan, and $380 per month under the standard repayment plan.
Although it has the potential to enormously benefit individual borrowers, the proposed adjustment to the IBR plan is likely to run into some opposition. In the example above, as in many other cases, the new IBR plan will result in a significantly smaller amount being repaid by borrowers, especially those who go into public service. However, it may substantially reduce borrowers' likelihood to default, which would prove beneficial overall. Still, calculating the overall cost to taxpayers is likely to be vital to this proposal's viability, especially given the Obama administration's announcement of a planned three-year freeze on federal spending.
Overall, these changes would benefit an estimated 36 percent of borrowers, according to Inside Higher Ed. The National Association of Colleges and Employers lists the average starting salary for college graduates at $48,633, and depending on household size and overall debt, graduates in this bracket may not see much benefit from IBR. By contrast, the average starting salary for liberal arts graduates is $36,624, making them most likely to benefit from this program. However, many recent graduates are considering themselves lucky to find jobs paying substantially below these figures right now. It's likely that a broad range of college graduates, especially those pursuing careers in fields that have been badly impacted by the recession, may welcome the proposed changes.
What do you think of this plan? Would it help you or would you rather see federal resources being used in another way?
And don't forget, you should pay for your college education with as much free money as possible! Find as many scholarships and grants as you can before turning to student loans. Visit the Scholarships.com free college scholarship search today where you'll get matched with countless scholarships and grants for which you qualify, then apply and win! It's that easy!
|Comments (0)
Posted Under:College in Congress , Student Loans
Tags:Community Service , Loan Repayment , President Obama , Student Loans
5 Percent in Congress Never Graduated from College
Dec 30, 2009
A recent Scripps Howard News Service article looks at one government job you may be surprised you don't need a college degree for. According to the Congressional Research Service, 27 House members, one senator, and two governors are currently serving without college degrees.
The article claims this is great news, considering the history of the position. Just 30 years ago, Congress had at least 48 representatives and seven senators without college degrees. Historians point to the idea that a college degree is becoming increasingly relevant for the position, which currently only requires U.S. citizenship and a number of years of residency in the state a politician is running in.
That shouldn't come as a surprise, right? We want our lawmakers to be educated. Do you know if your Congressman or Congresswoman holds a college degree? Considering the number of bills moving through Congress now related to college students' financial aid options and student lending practices, a college campus experience could be especially beneficial.
According to the article, the degree-less lawmakers defend themselves by saying they came up in a different era, when it was more beneficial to have a background in labor-intensive professions. In certain constituencies across the country, it may also be more useful to come from a farmer's background than an Ivy League one to better serve the communities those lawmakers look to represent. "They put their pants on the same way I put my pants on," Rep. Solomon Ortiz, a Democrat representing Texas' 27th District, was quoted as saying in the article about the difference between lawmakers with and without college diplomas. Ortiz joined the Army as a military officer to help support his migrant family, eventually becoming a sheriff when he returned home. Rep. Steve King, an Iowa Republican, ran a construction business for 28 years in Western Iowa before pursuing a Congressional seat.
According to the Congressional Research Service, the more educated Congressional lawmakers include 169 House members and 57 senators with law degrees, 83 House members and 17 senators with master's degrees, 16 doctors, six former Peace Corps participants, and five accountants. A more educated Congress also reflects the national trend. The percentage of people 25 and older with bachelor's degrees has increased from 4.6 percent to 28.7 percent between 1940 to 2007, according to the National Center for Education Statistics.
Going to college doesn't have to break the bank or saddle you with tens of thousands of dollars in student loan debt. Check out the Scholarships.com free college scholarship search where you'll discover you qualify for hundreds of thousands of dollars in scholarships in just a few minutes, then apply and win! It's that easy!
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Posted Under:College in Congress
Tags:College in Congress , Higher Education , Undergraduate Students
Report Analyzes State of Latinos in Higher Education
Dec 16, 2009
A report released today examines what policy makers should be paying attention to when crafting educational policies that benefit all college students. The report also comes to the conclusion that many decisions regarding Latinos in higher education are based on misconceptions about that student population.
The report, "Taking Stock: Higher Education and Latinos," was put together by Excelencia in Education, an organization that looks at racial and ethnic trends to identify where the need exists for more effective educational policies. The Lumina Foundation for Education, Jobs for the Future, the Congressional Hispanic Caucus Institute (CHCI), and the National Association of Latino Elected and Appointed Officials (NALEO) supported the report.
In a preview of the report earlier this week, The Chronicle of Higher Education described conversations at a panel discussion on Monday morning with the report's authors and leaders from a number of Hispanic organizations. The panelists suggested that public policy is based less on facts and more on stereotypes that define Latinos as an immigrant population with high drop-out rates. A majority of Latinos, however, are native-born and want to succeed in higher education.
Other highlights of the report include the following:
According to the National Center for Education Statistics, the number of Hispanics enrolled in college rose from 20 percent in 1996 to 24 percent in 2006, a greater increase than seen among white students. Still, Hispanic students are still lagging behind other groups when it comes to college admission, retention and graduation rates. Studies looking into that attainment gap suggest that while most Hispanic students believe in the value of a college degree, their educations may be cut short for a variety of reasons. In data released in October by the Pew Hispanic Center, about 74 percent of respondents said they had to leave school because of personal and family responsibilities. Others said poor English skills hampered their ability to keep up with the rigors of college, and even high school. About 40 percent said it was just too expensive to go to college.
All minority students should know there is help out there when it comes to funding your education. Scholarships for minorities are the most common student-specific awards out there, and minority students are eligible for funding from not only the federal government, the state, and their intended colleges, but outside organizations that aim to diversify college campuses. Try conducting a free scholarship search to find not only Hispanic scholarships, but scholarships based on a myriad of criteria specific to you.
And remember, there's no need to rely on expensive student loan options to pay for your college education. For more information on finding free scholarship money for college, conduct a Scholarships.com free college scholarship search today, then apply and win! It's that easy!
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New Rules for Private Loans in House Financial Bill
Dec 15, 2009
Students who are interested in applying for private loans may soon see the process changing. The House of Representatives passed consumer protection legislation last week that would further regulate private student loans, ensuring that students interested in borrowing them are aware of rates, federal alternatives, and borrowing limits at their school.
The bill moves to further regulate Wall Street in the wake of the credit crisis and ensuing economic recession, and also creates a consumer financial protection agency that's responsible for overseeing consumer credit such as credit cards, mortgages, and other bank loans. An amendment introduced by Democratic Representative Jared Polis of Colorado ensures that private loans to students are also included under this umbrella, and sets up additional rules that lenders and colleges must follow in issuing and certifying private loans.
Under this legislation, all private loans will have to be certified by a student's college, verifying the student's enrollment and the amount he or she can borrow. Before a school can certify a private loan, it must also inform the borrower of the availability of federal student financial aid. This builds on rules that will go into effect in February that state that students must be informed of interest rates and repayment terms up front by banks, and must certify that they have been informed of federal student loan options.
Effectively, it puts an end to direct-to-student private loans, which students can borrow without even informing the financial aid office, and which can be taken out for more than the student's cost of attendance for the academic year. With rising student loan default rates, risky loans like these have increasingly come under fire. These loans can be a quick way for students to find themselves in excess debt, as they make it easy for students to borrow more than they need to pay for school without having to investigate alternatives first.
The bill still needs to pass the Senate and be signed by the President before it can be enacted. Whether the Senate introduces language similar to the Polis Amendment remains to be seen, as it's unlikely financial legislation will be debate until after they finish with healthcare.
Going to college doesn't have to break the bank or saddle you with tens of thousands of dollars in student loan debt. Check out the Scholarships.com free college scholarship search where you'll discover you qualify for hundreds of thousands of dollars in scholarships in just a few minutes, then apply and win! It's that easy!
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Posted Under:College in Congress , Student Loans
Tags:College in Congress , Private Loans , Student Loans
As Congress continues to puzzle out questions of student loans and consumer protection, new information released today suggests that young adults attempting to repay their student loans may be having even more trouble than previously thought.
As a condition of the Higher Education Opportunity Act, the US Department of Education has started tracking three-year instead of two-year default rates for federal student loans. The first set of data was released today and the numbers are pretty shocking: the three-year cohort default rates are nearly twice as high as the two-year rates overall--11.8 percent compared to 6.7 percent.
Default is defined as failure to make payments on a student loan according to the terms of the master promissory note the borrower signed, and federal student loans are considered in default only after nine months of missed payments. This means that 12 percent of students who started repaying their loans in 2006 had stopped making payments for 270 days or more by September 2009.
The difference between two-year and three-year default rates was most dramatic at for-profit colleges, rising from 11% to 21.2%. For-profit colleges have the highest default rates in both two-year and three-year measures, and also make up the largest proportion of institutions that may lose the ability to distribute federal student financial aid in 2014, when the rule changes associated with the new three-year default rate calculations go into place.
Colleges will become ineligible to participate in federal student aid programs if their cohort default rates are above 30 percent (currently 25 percent) for three consecutive years, or if they go over 40 percent any one year. Inside Higher Ed has published a list of institutions whose three-year cohort default rate is over 30 percent this year-in addition to a number of for-profit colleges, several community colleges have also made the list.
In addition to this information's implications for colleges, it also means that default on federal student loans is even more common than previously assumed. More than 1 in 10 students currently default on a loan within three years, and it's possible that a significant percentage of students may default on their loans after more time has passed. If you're planning to borrow to pay for college, do so wisely. You may want to make sure that you only take out an amount that you can pay back in a worst-case employment scenario. It's not too late to start your scholarship search for next year (or even this year) to help cut down on the amount you have to borrow, as well.
Going to college doesn't have to break the bank or saddle you with tens of thousands of dollars in student loan debt. Check out the Scholarships.com free college scholarship search where you'll discover you qualify for hundreds of thousands of dollars in scholarships in just a few minutes, then apply and win! It's that easy!
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Posted Under:College in Congress , Student Loans
Tags:Default , Loan Repayment , Student Loans
Yes, Congress Pays Attention to College Football
Dec 10, 2009
Congress has a lot going on right now, from the ongoing health care debate to a number of bills looking to improve student lending and credit card practices. But that doesn't mean college football fans shouldn't have their day in government.
Just in time for this season's Bowl Championship Series (BCS), a House Energy and Commerce Committee subcommittee approved legislation Wednesday that would change the way the current championship series is run. Rep. Joe Barton of Texas, who introduced the bill, said college football champions should be crowned through a playoff method rather than a series of bowl games, such as the Fiesta, Sugar, Meineke Car Care and Rose Bowls, among others. The bill, named the College Football Playoffs Act, would ban the promotion of a postseason NCAA Division I football game as a national championship, which Barton called unfair, unless it's the outcome of a playoff.
An article in the Dallas Morning News today details how the subcommittee came to its decision, noting that even President Obama has voiced his displeasure over the lack of playoffs in college football. One legislator said the current process was less about finding the best team out of dozens but about revenue sharing. Another said schools with less fundraising power are less likely to find themselves in a Bowl game. The one dissenting vote, Rep. John Barrow of Georgia, said Congress had better and more important things to do than worry about college football.
In other college football news, a recent study released by the Institute for Diversity and Ethics in Sport at the University of Central Florida showed that of the 67 schools surveyed, 57 had graduation success rates of 66 percent or more for white football players participating in bowl games. But 21 colleges (up from 19 in 2008-2009) graduated less than 50 percent of their African American football athletes; 35 colleges (up from 29 in 2008-2009) had graduation success rates for African American football athletes that were at least 20 percent lower than their rates for white football athletes. What's it all mean? Racial gaps remain between white and African American football student-athletes despite any progress with overall graduation rates. As the findings only looked at schools appearing in bowl games this year, it would be interesting to see what kind of data exists across the board.
And don't forget, you should pay for your college education with as much free money as possible! Find as many scholarships and grants as you can before turning to student loans. Visit the Scholarships.com free college scholarship search today where you'll get matched with countless scholarships and grants for which you qualify, then apply and win! It's that easy!
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Posted Under:College in Congress , Sports
Tags:Athletic Scholarships , Athletics , College in Congress , Sports , Sports Scholarships
Federal student loans aren't the only form of student borrowing that may soon undergo a legislative makeover. As Congress debates the creation of a Consumer Financial Protection Agency, advocacy groups are continuing to push for inclusion of rules that would give the agency more oversight of student loans.
The Consumer Financial Protection Agency would already oversee other kinds of lending, such as credit cards and student loans. However, there's growing debate over how extensive the agency's student loan oversight should be, specifically regarding loans that some colleges make directly to their students. A House amendment to specifically include these loans under the agency's purview was rejected by the Financial Services Committee, but is expected to be revisited as the House prepares to take up a floor vote on the bill. The Senate version of the bill, meanwhile, does authorize the agency to supervise loans made by colleges to their students.
The House version initially excluded loans schools make to their students because many colleges make small, short-term, "emergency" loans to their students to help them pay bills while they secure other forms of funding. Career colleges, on the other hand, have begun lending large sums to their students, often with terms that are less favorable than many private loans. These loans typically have a high default rate and can burden students with difficult payments, as interest rates can easily reach 18 percent and the schools may have less forgiving repayment processes than traditional lenders. This has student advocates concerned, especially in light of recent economic events.
Colleges have been increasingly encouraged to act as lenders to their students in the face of the economic recession and the preceding credit crunch. As it became harder for students to obtain sufficient student loans from banks and other traditional lenders, schools began to step in to close the gap. This included for-profit career colleges lending significant portions of the cost of tuition to their students. The latter category of loan is increasingly widespread, with many of the largest career colleges reporting plans to lend out tens of millions of dollars directly to their students next year.
In addition to being a way to enroll students who wouldn't otherwise be able to secure funding, these direct-to-student loans are also ways for for-profit colleges to get around the "90/10" rule that states that no more than 90 percent of a for-profit college's revenue can come from federal student financial aid. By charging more in tuition but giving more in loans, colleges can get around this requirement, even as more of their students qualify for federal aid.
This isn't the only career college practice that's receiving criticism at the federal level. The Department of Education has been investigating recruiting practices at for-profit colleges and recently issued several proposed rules in its negotiated rule-making process with career colleges. The proposed changes would do more to ensure that colleges aren't giving incentive pay to recruiters and that students who are being enrolled are able to adequately benefit from a degree.
And remember, there's no need to rely on expensive student loan options to pay for your college education. For more information on finding free scholarship money for college, conduct a Scholarships.com free college scholarship search today, then apply and win! It's that easy!
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Posted Under:College in Congress , Student Loans
Tags:College and the Economy , College in Congress , Private Colleges , Private Loans , Student Loans
One thing has dominated the news and the world of politics for weeks - the health care-reform bill. The U.S. House of Representatives passed the bill, which would cover about 96 percent of Americans, last weekend. It now awaits a vote from the Senate side, with a good amount of compromising expected if the bill has a chance to pass at all.
But what does this mean for education? A focus on health care recently has highlighted the need for more primary care doctors, and any legislation that would expand access to health care would obviously lead to an increase in the number of medical professionals to care for that influx of patients. An article in the Chronicle of Higher Education this week describes discussions that were being had among medical professionals at this week's Association of American Medical Colleges annual meeting. According to most, the equation is simple: more patients require more doctors, and more doctors require more residency programs to accommodate the kind of growth that would be needed with any expansions in health care access.
Despite the call for more doctors, medical school applications increased by just 0.1 percent this year according to that same association, even though four new medical schools opened at Florida International University, Texas Tech University, the University of Central Florida, and the Commonwealth Medical College. Another at Virginia Polytechnic Institute and State University will open next year. Many other schools added massive expansions to their medical school campuses. It also isn't just the possibility of expanded health care access that could spread doctors thin. The association worries about the impending wave of retiring baby boomer-physicians, and claims there would be shortage of as many as 159,000 doctors by 2025.
Obviously, not everyone can go to medical school and become a doctor. And not everyone can stomach the costs of going to medical school. According to the association, most medical students graduate medical school with about $156,000 in student loans, and primary care doctors make less money after they leave school with all that debt than other medical specialties.
If you're set on becoming a doctor, you do have options in reducing your student loan debt. Apply for scholarships. There are medical scholarships out there, including our own Scholarships.com Health Scholarship. The deadline for that one isn't until Nov. 30, so you still have time to fill out a profile and conduct a free scholarship search. If you qualify for that or other medical scholarships, those results will appear in your scholarship search results. Know your options, because even though there might be a job waiting for you once you graduate, you may be looking at quite a bit of debt post-college.
And don't forget, you should pay for your college education with as much free money as possible! Find as many scholarships and grants as you can before turning to student loans. Visit the Scholarships.com free college scholarship search today where you'll get matched with countless scholarships and grants for which you qualify, then apply and win! It's that easy!
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Posted Under:College Costs , College in Congress
Tags:College Costs , College in Congress , Health Scholarship
As the wrangling over proposed healthcare legislation drags on in the Senate, progress on other bills has stalled, including a piece of legislation that would impact federal student financial aid programs. The Student Aid and Fiscal Responsibility Act, passed by the House of Representatives in September, has yet to see its counterpart taken up for debate in the Senate. Yet the debate over student loan reform is heating up again as the Department of Education and lenders both attempt to press their agendas forward.
Student loan reform has been a topic of contention since President Obama announced his 2010 budget proposal at the beginning of the year. Among them was doing away with the Federal Family Education Loan Program, which subsidizes private banks to make and service federal student loans, such as Stafford Loans and PLUS Loans. Students would borrow directly from the Department of Education through the Direct Loans Program. The money saved from the subsidies would then be channeled into Pell Grants and Perkins Loans, among other education funding priorities. The proposed changes would go into effect on July 1, 2010 necessitating a quick switchover to direct lending for all colleges still participating in FFELP.
After the bill passed the House, the Department of Education began urging schools to voluntarily make the change to Direct Loans, which concerned some financial aid administrators and most lending agencies. Concerns have been expressed over the efficiency of direct lending, the loss of choice in eliminating FFEL, the feasibility of making the switch, and the continuation of services such as financial aid counseling that some lenders currently provide. Many of these were aired at a recent meeting of a panel of financial aid experts in Washington. Representatives of student lenders were also there to champion an alternate plan that would bring some of the savings proposed by SAFRA, but would maintain a role for banks in student lending.
It's widely expected that the Senate will ultimately pass a version of the bill similar to what was passed by the House, but when that will happen remains uncertain. Procedural regulations and concerns over support are currently preventing the bill from progressing until the issue of healthcare is settled. In the meantime, it appears debate, analysis, and lobbying will continue on both sides of the issue.
And remember, there's no need to rely on expensive student loan options to pay for your college education. For more information on finding free scholarship money for college, conduct a Scholarships.com free college scholarship search today, then apply and win! It's that easy!
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UK Economy Cools
The U.K. economy slowed more than expected in the final quarter of 2014 as construction activity slipped and tumbling oil prices hit North Sea oil and gas production. The U.K.'s Office for National Statistics said the economy grew by 0.5% in the final quarter of 2014, an annualized rate of 2.0%. Growth for the year as a whole was 2.6%, the British economy's best annual performance since 2007, but still weaker than economists were expecting.


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Human Embryonic Stem Cell Survival and Transformation
This proposal addresses fundamental questions in human embryonic stem cell (hESC) biology. The main goals of the research are to understand how hESCs remain as stem cells versus undergoing differentiation into different cell lineages such as heart muscle or neuronal brain cells. In addition to these choices, the proposal will examine how these choices are regulated and how we can improve the safety of the hESCs. One concern of hESC research is that prior to providing differentiated cells to patients for treatment, we need to understand how to control their decisions. If these choices are left unchecked, then hESCs have the potential to form tumor-like cells. Research in this proposal will provide new diagnostic tools to determine when hESCs are normal stem cells, differentiated derivatives that are stable, or abnormal cells that may form tumors. Therefore, this proposal will help develop new markers of cell choices and help to better identify the correct type of cell that may be usefull clinically.
Human Embryonic Stem Cell (hESC) research has the potential to improve knowledge of disease progression, human development, the onset of tumor formation, and cellular therapeutics or what cell types may best be used for patient treatment. There is currently a great need to develop an understanding of the potential of hESCs prior to being used in clinical applications. Research in this proposal will examine how hESCs can be used clinically, only after understanding how to make these cells safe for patients. In this regard, funding this type of research will allow California and its citizens to become a leader in this area. This will benefit California and its citizens greatly by providing first hand knowledge of the clinical safety and relevance of hESC biology to the patients, citizens, clinicians and researchers. Information gained in this proposal could also help develop new partnerships with industry and academia, further promoting the growth of both this research and also promote financial growth for the state of California.


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Is Gloria Anyadike accepting new patients?
If you are a new patient, please check with Gloria Anyadike before scheduling an appointment.
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- Center For Cell & Gene Therapy
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Wednesday, November 21, 2007
I wrote this yesterday, but I couldn't get it to post:
Ok, so we're celebrating Thanksgiving on Thursday too (oh great), But we also celebrated tonight. My mom works Thursdays so we usually celebrate on Tuesdays.
I don't like eating on plates that aren't plastic (unless I'm forced to by a restaurant or something). The only plastic plate my mom had was a child's plate, so basically smaller than even a salad plate. This led to me not being fulfilled by what I could fit on there (only about one bite of potatoes, one spoonful of fruit salad, one spoonful of green salad, and about 10 green beans). So then I went back for seconds. And of course, that didn't fill me up either.
I think if I could have just had a normal sized plate I wouldn't have eaten so much! Well besides the deviled eggs and rolls I had on the side, which, whoops my bad. Then there are two kinds of desserts, so I thought that's ok I'll just have a small sliver of both. They happened to be pumpkin pie and cherry cheesecake.
Eating dinner about 3 hours earlier than normal didn't really help either, because then I was hungry again by the time I got home. I was able to have a small 150 calorie snack, but I really don't think that helped things.
Oh and of course today my car decided to be a WORTHLESS hunk of metal and wouldn't start. So I couldn't make it to the gym at all. I walked around the block a bit, but it was freezing! So instead of burning 1000 calories today like usual, I only burned maybe 400. And that's only because my husband and I went to the gym after dinner and hanging out. We couldn't do a whole lot though, because we were full of food!
Added today: So then I had made sure to wake up about an hour and a half earlier than usual to make sure I could start working off that extra weight. But my husband took my keys (which have my only way of getting into my gym on them!) He was trying to be nice (sometimes HE can get my car to work) and let me use the truck. But he has his OWN set of keys to my car, why'd he have to take mine?
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Grab yourself these mega cute earrings from Sourpuss and they will soon become your favourite accessory. Perfect for any fan of alternative clothing, these winking skull earrings will add gothic charm to any outfit.
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None of the eight options for replacing the Alaskan Way Viaduct would be friendly for pedestrians, according to a new study to be released today.
None of the eight options for replacing the Alaskan Way Viaduct would be friendly for pedestrians, according to a new study to be released today.
The study found flaws with the surface, tunnel and aerial options and said none provides a "positive pedestrian" environment that would tie downtown Seattle to its waterfront.
The authors of the 40-page report, Gehl Architects of Copenhagen, were asked to find ways to get more people to walk and bicycle along the waterfront, to increase the amount of time people spend in the city and to increase the potential for new activities on the waterfront, such as outdoor events.
What the city needs to do, according to the report, is discourage cars and get more people walking, bicycling and taking public transit.
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The state and the city of Seattle, which are spearheading the replacement project, have never denied that it would like to reduce traffic volumes, but say it may be impossible in a traffic corridor that now carries 110,000 vehicles each day.
Here's how the study rates the various plans for pedestrian use:
• The three surface proposals: "The space along the water is out-of-scale, too wide and lacking definition. The waterfront will be a vehicle-dominated place with traffic volumes between 30,000 and 51,000. People will not be invited to engage in recreational activities along the water."
• The four-lane elevated viaduct: "An unattractive space created under the two elevated highways, creating problems similar to today's situation. Traffic on Alaskan Way will more than double."
• Integrated elevated option proposed by State House Speaker Frank Chopp: "Unattractive spaces are created on top of the elevated structure," an area that would be unsafe and unattractive and likely to remain unused by pedestrians or bicyclists."
• Four-lane bored tunnel: A tunnel under Western Avenue would leave the waterfront open, but as in the surface proposals, the waterfront would be too wide and out of scale for pedestrians.
• Cut-and-cover tunnel: While this type of tunnel leaves the waterfront open, it too would create a space that would be too wide for pedestrian use.
• Four-lane lidded trench: The option doesn't create as open a waterfront as do some of the other tunnel plans, and a ventilation shaft in the middle would be disruptive visually and create noise and pollution.
The report also rates streets in terms of the traffic they would carry.
A "great" street would carry only 1,000 cars a day; a "good" street would have 5,000 cars; a "bad street" would have 50,000 cars a day and would not be "fit for pedestrians."
"This is a once-in-a-lifetime opportunity to develop a vision for the city on a new level," according to the report. "To create a better life demands the big question: What do we want the city to be. If the answer is a fine city for people, then traffic capacity cannot be increased and thinking cannot center on vehicles."
State's open-space report
In other developments, the state just released a comparison of how much open space each of the eight options would provide.
A report issued by the state Department of Transportation found the waterfront promenade would increase from an average of 20 feet to between 40 and 106 feet wide. All, except for the elevated options, would open up the waterfront to improved views, visibility and sunlight.
As for total open space, the three surface options would provide between 8.7 and 11 acres; the four-lane elevated, 9.2 acres; the integrated elevated proposed by Chopp, 21 acres; the deep-bore tunnel, 11 acres; the cut-and-cover tunnel, 11.6 acres; and the lidded trench, 8.4 acres.
The report found one surface option and two tunnels minimize the amount of traffic on the waterfront as compared to the other alternatives.
The four-lane elevated is a slight improvement over the existing viaduct, but the amount of open space is smaller than the surface and tunnel options, and the noise is higher.
Chopp's plan "is the least desirable option from an urban-design and open-space standpoint," the report found. It said it is worse than the existing viaduct because it provides a lower quality of public space and compromises the historic identity of the waterfront and access to it from downtown.
Susan Gilmore: 206-464-2054 or firstname.lastname@example.com


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This review is from: DELL Latitude XT2 Intel Core 2 Duo 2 GB Memory 80 GB HDD 12.1" Tablet PC Windows 7 Home Premium
Pros: Easy to use out of the box. Installs anything I need. Lots of external ports to connect devices! Easy transfer to external hard drive. Can double memory with a (cheap) SD card. Tablet functions work great. Much larger screen than the popular models.
Cons: CPU is underpowered. Ram is skimpy for most programs. This is a slow system, not for gaming, adequate for movies and other portable functions.
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This review is from: DELL Latitude XT2 Intel Core 2 Duo 2 GB Memory 80 GB HDD 12.1" Tablet PC Windows 7 Home Premium
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Changes related to "Stolen concept"
This is a list of changes made recently to pages linked from a specified page (or to members of a specified category). Pages on your watchlist are bold.
18 May 2016
- (diff | hist) . . N Law of noncontradiction; 14:08 . . (+398) . . Tim Sheerman-Chase (Talk | contribs) (Created page with "{{stub}} {{wikipedia}} The '''law of noncontradiction''' is a basis of formal logic and says a proposition cannot be simultaneously true and false. {{quote-source|Anyone ...")


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Month: October 2012
Posted on October 31, 2012
Briggs & Riley Transcend 27'' Large Expandable Spinner. A Road Test Review
I am a travel writer and photographer for Gonomad.com. A good suitcase is a necessity for any traveler, but for those of of us who drag them over the worlds rougher surfaces, it is a vital part of… Read More
Posted on October 19, 2012
Thanksgiving Dinner, The Turkey's Revenge
I always knew the day would come when turkeys would turn the tide on thanksgiving dinner.
Posted on October 6, 2012
Drinking Brazil, Mercado Central de Belo Horizonte
Drinking Brazil, Mercado Central de Belo Horizonte
Posted on October 1, 2012
Fernando de Noronha Island Paradise of Brazil slideshow
Fernando de Noronha is an archipelago of 21 Islands located 545 km off Brazil's northeast Atlantic coast in Pernambuco. Ask any Brazilian and they will tell you that is paradise. Designated as a UNESCO World Heritage site for… Read More


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Thunder-Spurs seems like a whole new series
Remember when this series seemed all but lost, Thunder fans?
That was three days ago.
Seems like three years.
The idea that the Thunder could win these Western Conference Finals doesn't seem so out of the question now. Not with the momentum that the boys in blue have built. Not after a blowout Thursday night. Not after what happened Saturday night.
Thunder 109, Spurs 103.
"We are playing against a really talented team," Spurs super sub Manu Ginobili said. "We earned ourselves the possibility of having home-court advantage, and hopefully, we'll use it."
Hope seemed like the last thing the Spurs needed when these Western Conference Finals swung to Oklahoma City. After the first two games in San Antonio, the Spurs were clearly superior. Better scheme. Better execution. Better ball team.
But on a night when the Thunder tied the series at two games apiece, the Spurs' superiority is gone. While the home team won in so in many of the old, familiar ways — Kevin Durant hitting huge baskets, Thabo Sefolosha playing great defense, Russell Westbrook causing havoc — it was the unexpected contributors who have turned this series on its ear.
Prime among them: Kendrick Perkins.
No doubt Serge Ibaka should get all kinds of love for his 26-point performance. Rare is the night a guy hits all 11 shots he takes in a pressure-packed playoff game.
But we've seen Ibaka's offensive prowess from time to time. The shot blocker has got that jumper from the baseline or the wing that is almost automatic from 16 or 18 feet.
But Perk? The Big Nasty hitting 7 of 9 shots? Gran Torino scoring the Thunder's first five points when no one else could find the range? The Scowl finishing with 15 points?
He didn't score that many points in the first three games of this series combined.
It was only one point off his season high of 16 points, scored in that Sunday night beatdown of the Heat back in March.
"He scores points with his screens," Thunder coach Scott Brooks said of how Perk usually contributes offensively.
There's no doubt Brooks is absolutely right about that. Perk is a master at setting a pick outside the paint and giving shooters like Durant or Westbrook the whisker of space that they need to get an open look.
But Perk did more than get hockey assists on baskets Saturday night.
He got baskets.
"He was rolling hard," Brooks said. "We were finding they were jumping out on Kevin, putting two guys on the ball, and Kevin was doing a great job finding him."
For the first two games of this series, it was the Spurs having those kind of unexpected offensive contributions. Game 1, it was Gary Neal. Game 2, it was Kawhi Leonard.
All the while, the Thunder was depending completely on Durant, Westbrook and James Harden. And they couldn't beat the Spurs by themselves.
These last two games, they didn't have to do that. Game 3, they got help from Sefolosha. Game 4, the assistance came from Ibaka and Perk.
Worked out pretty well for the Thunder, don't you think?
"We know this is only one step closer," Durant said of tying the series. "We did what we were supposed to do by winning at home, so we've just got to go down there in the mindset that we're going to play hard every possession.
"We've just got to keep believing, man. We'll be fine."
Sure seems like the Thunder could be better than fine. Is it impossible to think the boys in blue could win Monday night in San Antonio? Is it crazy to believe the Thunder Bandwagon could roll back into Oklahoma City on Wednesday night with a chance for the Thunder to close out this series?
Not anymore.
Not at all.


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20 January 2016
Tower is an ageless and Modern form, from which nothing can be removed or added. This is an ambitious feat of engineering made possible by the most cutting edge technology in Pietrasanta, Italy, a place Vital has been returning to for over twenty years. The traditional association of marble with classical sculpture is subverted by the Minimalist, geometric form of the tower, with the pointed top piercing the sky like an arrow. The atmosphere inside is spiritual, like a cathedral or mausoleum, alluding to something bigger than ourselves. Everything changes upon stepping inside into the Tower from outside: it is..
19 August 2015
Tom Lovelace was artist in residence at Lendi Projects from May to June of 2015 and, as per the ethos of the residency, produced work that responded to the isolated and mountainous Engadin Valley. Lovelace has spent most of his life living and working in London, so his urban existence was shaken in 2015 with both the Lendi Projects invitation, and his inclusion in another show outside of the city – at the New Art Centre, Roche Court (Salisbury). This is the first time his artistic practice has engaged so directly with nature. However, it seemed fitting to ask him..
27 July 2015
Curated by Holly Willats and Alma Zevi 1 August – 27 September 2015 In line with the New Art Centre's important history of supporting forward-thinking young artists, each artist represented in the group exhibition GROUNDWORK is at a significant point in their early careers. Miriam Austin, Rob Chavasse, Freddy Dewe Mathews, Tom Lovelace and David Murphy are London-based and of the same generation, providing an illuminating showcase of current concerns in emerging contemporary practices. GROUNDWORK has been curated by Holly Willats and Alma Zevi. Exhibited is a broad selection of media: sculpture, film, drawing and photography, with each artist making new work for..
13 July 2015
Cologne-based artists Melike Kara and Şirin Şimşek are opening a new off-space in the Agnesviertel district of Cologne. The inaugural show is a two-person presentation of up-and-coming artists Tamina Amadyar and Christiane Blattmann. The concept is to have a loose, open and international programme, offering curators the chance to present work by exciting emerging artists. Don't miss the opening this Friday, 17th July! www.agnesmaybach.com
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takata nsx gt by hugosilvaWatch
©2011-2016 hugosilva
done for the Autemo championship Round 4, www.autemo.com
all photoshop with wacom bamboo
Original image
all photoshop with wacom bamboo
Original image
I love it!
muy chulo
ta de parabens
I've always loved NSX cars. This one's AWSOME!!
Awesooooome chop dude! *o*
Amazing brushing! :A
Amazing brushing! :A
Brilliant work Hugo. Outstanding as ever!
Very cool.
Simply amazing hugo
This is ssweet! I love the paint scheme. Heaps better than the other version. Red and black is so over-used.
I really like what you did to the side, the part where it says "Regain".
I really like what you did to the side, the part where it says "Regain".
hot hot hot hot hot!!! damn, hugo...brilliant work. I'm gettin nervous about the all star battle, if we are in one group next round .
i loved the red one,but this one looks stunning for a competition...........nice colour combination mate
Awesome work ! I love the green !
oh my,hugo i have a feeling this will be unbeatable


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Key things you need to know aboutDr. Abyaneh:
Dr. Abyaneh's Experience
Research training, expertise and qualifications
Dr. Abyaneh's Specialties
- Podiatric Surgery
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- Novant Health Prince William Medical Center
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Patients' feedback on their experience with Dr. Abyaneh
Likelihood of recommending Dr. Abyaneh to family and friends is 5 out of 5 5 1 1
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A Bonita Springs man was arrested for his involvement in videotaping of a sexual encounter he and a friend had with a minor at a hotel in December.
Eighteen-year-old Jeremy Joseph McGowan, was arrested by Lee County deputies Thursday and is facing charges of five counts of promoting sexual performance by a child, and possessing obscene material of a child.
Deputies received information about the encounter when McGowan was arrested for another incident and a search revealed the video on his phone. The video showed McGowan and Brandon Strickler, 20, having intercourse with the minor victim, arrest reports said. Strickler was arrested Dec. 10.
The victim told a member of the Child Protection Team at Children's Advocacy Center, during an interview, that she made a video with her boyfriend and his best friend Dec. 3 at Comfort Inn. Reports said she gave a detailed description of sexual intercourse and oral sex with both McGowan and Strickler.
Arrest reports say McGowan was the person who took the video. A search warrant for his phone revealed at least 15 pictures and five videos depicting child pornography.


text: I made some great cards on photo paper with my blog address before my last trip. They looked great, I made about 600 and gave them all away, now I have to make more and cant find the instructions on how to make them. I got the instructions off somebodies blog or website but cant find it now, can anyone point me in the right direction? thanks


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Newegg.com - A great place to buy computers, computer parts, electronics, software, accessories, and DVDs online. With great prices, fast shipping, and top-rated customer service - once you know, you Newegg.
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The newly re-designed Leather laptop Case combines the most popular features of Targus's original Leather laptop Case, such as the zip down workstation and reliable laptop protection, with increased functionality and a removable mesh accessory pouch for added storage. The nyflex-lined laptop compartment accommodates laptops with screens up to 15.4". The workstation includes pockets for a PDA, pens, business cards and other mobile necessities.
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Targus TLE300
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Pros: Good solid construction, light weight, traditionally syled
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Other Thoughts: a handsome notebook case well constructed with enough pockets for carrying all your cods and ppower brick, good weight (light)
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hulahoops friday love sokokolife
We be making hula hoops! Thanks home hardware guy! #sokokolife #friday #hulahoops #love
Connect your Instagram account or comment on Facebook
Organic wellness teas for your yoga studio and health retreats. Bring magic to your studio and your people. firstname.lastname@example.com #freedomflowtea
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Collecto v.1.2 (beta) © 2014 IQUII - All rights reserved
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Think you're having fun with your new camera,lovely shot from a large distance!!!!!!
Nicely done, I like the mood you used for this photo.
Thanks, Joke, I certainly am!
Thanks, Silvy. I edited it using Picasa 3.
Beautiful composition! Cheers, pear
It's amazing! A bird fly over the field, let me try to write a poetry later.
Best wishes, Fiona
Excellent shot of a bird in flight! I like the way you edited it to make the egret pop out of the photo!
Hello, Pear. Thanks for visiting. It's always great to have you here.
Hello, Fiona welcome to my gallery. Thanks for the comment. This is actually not a field, but a large meadow of reeds. There's water on the ground. It's a common sight in the southeast.
Thanks, JF, I just got Picasa 3 editing for free from Google.
Perfect translation of wildlife. A beautiful image ...!
Greetings, AJoVidal.
Thanks, AjoVidal!
wonderful shot, very nice composition. Well done!
MAGNIFICENT PICTURE my regards OSPR3Y THe bset regards from France.
Piadera and Ho Tich Chau!
beautiful egret and in flight...best greetings, scott
excellent capture!
Very beautiful!!
You really want to know where I got the star from?
I copied it off of something else, that's all :)
Thanks, Scotty
Hey, Jean Thanks for stopping by!
Thank you, Els f.
haha thanks, ★Kyle★
Beautiful capture! L.
Photo taken in Beaufort County, SC, USA


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Joyce Kilmer Park
It's My Park Day at Frank Sigel Park/Joyce Kilmer Park
Saturday, October 19, 2013
10:00 a.m.–2:00 p.m.
Please note: This event has already taken place. Please use the Search options on the right to find upcoming events.
On It's My Park Day, join the Friends of Franz Sigel Park and help with tree maintenance, bulb planting, and clean up. Volunteers should enter the park at 161st Street between Walton Avenue and Grand Concourse.
Lorelai Fountain in Joyce Kilmer Park
Directions to this location
Free | FREE
Event Organizer
Friends of Joyce Kilmer and Franz Sigel Parks, The Bronx is Blooming
Contact Number
(917) 378-4242
Contact Email
Related Links
Additional Media
Directions to Joyce Kilmer Park
Joyce Kilmer Park Weather
- NYC Parks Celebrates One Millionth Tree With Bronx Community Members
- Ornamental Paths Weave A Historical Tale In Joyce Kilmer Park
- "Are You Whistle Worthy?" Parks & Recreation And NYC & Company Launch Summer Lifeguard Recruitment Campaign


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welcome from alaska
This is a discussion on New Member from Florida within the New Members Introduce Yourself forums, part of the DefensiveCarry.com Forum Office category; Hey guys, I'm new here from South Florida. I joined primarily so that I can find a new or used Caracal C pistol with Straight ...
Hey guys, I'm new here from South Florida.
I joined primarily so that I can find a new or used Caracal C pistol with Straight Eight sights to purchase but having looked at the forum, I might have to post regarding other stuff too as it looks like we have some great discussion here.
Thanks for your time.
welcome from alaska
Howdy from Ohio...good to have you in the house!
S&W M&P Full Size 9mm - Little FoxX IWB
S&W Shield 9mm - FoxX Trapp
Ruger 10/22 Takedown
NRA Life Member/GOA Life Member
Don't let the high post count fool you...I'm just part of the welcoming committee.
Welcome to the forum from the Palm Beaches
US Army 1953-1977
We, the People are the rightful masters of both Congress and the courts not to overthrow the Constitution, but to overthrow men who pervert the Constitution.
Abraham Lincoln
Welcome Aboard and Greetings from Rocky Top Tennessee
When you accept mediocrity you sow the seeds for future failure.
One should never confuse good fortune with good training.
Illegitimus Non Carborundum. In God we trust.
Welcome to the site from Maryland
Member of the NRA
Keep your booger hook off the bang switch until you want to destroy something .
Hello! Welcome from South East Kansas!
Welcome to the forum!
"If you make something idiot proof, someone will make a better idiot."
- Anon
Welcome from Wisconsin!
USN Submarine & UDT/SEAL Veteran
1SG, US Army Retired - Airborne Infantry All the Way!
Retired PI/Armed Security
Welcome from Virginia.
Freedom doesn't come free. It is bought and paid for by the lives and blood of our men and women in uniform.
USAF Retired
NRA Life Member
Greetings from Richmond/Rosenberg, TX.
You might also check out Steyr Club Forum
They have a section on Caracal.
Welcome to the forum from the volunteer state.


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The concern that there are too few generalist physicians and too many specialists is part of the ongoing health care debate. Medical educators have been challenged at the graduate and undergraduate levels to educate more generalists. While some question the actual effect of medical education on the choice of a generalist career, others strongly express the view that a generalist curriculum influences graduates to pursue a career in primary care.1,2 Residency training programs are largely based in hospitals, and pediatric practice is largely community based. The terms educational malpractice, educational mismatch, and, most recently, educational dysjunction have been used to describe the difference between the educational and practice experience.3
Thank you for submitting a comment on this article. It will be reviewed by JAMA Pediatrics editors. You will be notified when your comment has been published. Comments should not exceed 500 words of text and 10 references.
Do not submit personal medical questions or information that could identify a specific patient, questions about a particular case, or general inquiries to an author. Only content that has not been published, posted, or submitted elsewhere should be submitted. By submitting this Comment, you and any coauthors transfer copyright to the journal if your Comment is posted.
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Indicate all relevant conflicts of interest of each author below, including all relevant financial interests, activities, and relationships within the past 3 years including, but not limited to, employment, affiliation, grants or funding, consultancies, honoraria or payment, speakers' bureaus, stock ownership or options, expert testimony, royalties, donation of medical equipment, or patents planned, pending, or issued. If all authors have none, check "No potential conflicts or relevant financial interests" in the box below. Please also indicate any funding received in support of this work. The information will be posted with your response.
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Yes. IE is calculating the width in a different way. You may need to reduce the image width. Why not try one and see ?
Yes. IE is calculating the width in a different way. You may need to reduce the image width. Why not try one and see ?
Nope, didn't work.
Update: Vesuvius has been updated today. Details are on the blog of a very minor one line coding change. That will fix a lot of problems.
I took that line out of the CSS before tweaking index.php. That solved a lot of problems but not this one unfortunately. If anyone wants to take a look at the CSS its at http://www.thetrenchcoat.com/wp-layout.css
Well the image in question is 342 px wide :)
That image is showing up fine in IE and I have the width down to 150.
It's the banner buttons that aren't showing up and the biggest one I think is 130.
Thanks for all your patience.
Are they being called by javascript ?
If it helps I viewed the source of the page in IE and the "a href" tags show up but the "img src" tags don't.
My apologies Root. It was my firewall. I feel like such an idiot now.
Well I am glad its running smoothly. I never like to see a Vesuvius user in any kind of difficulty. :)
I like it and am replacing my own custom 3 column with this one.
I can't figure out how to change the color of the left and right sides, well I would like to keep the right side color as it is, but the left side would be groovy if it could be changed.
Any ideas?
Thx! My unfinished site here, please help
(i offset the size of the right column box to get that box over effect which I like :))
The image:
Part of the css:
repeat-y left
I think you'll need to make another image in the colour you want, upload it to wp-images and call it bg2.gif
Then change the image calls to bg1.gif that also involve any 'repeat-y left' (which means repeat it vertically only on the left) into calls to bg2.gif
I've not used that css, but the principle is sound.
groovy ill try, but which lines in the css there are more than one that have the repeat-y left
lol that sounded dumb
I renamed it but didnt upload and image so it just went white or transparent. I tweek the template as to get the header image full width while still allowing the 3rd column to come up to the top. If you increase the size of that 3rd div css and adjust the middle accordingly it works. http://www.ctfzone.net/zone/wp-layout1.css
This topic has been closed to new replies.


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May 25, 2016
Lansing Mayor
Bernero, Virg (62%)
Lansing City Clerk
Swope, Chris (60%)
Lansing City Council Ward 2
Allen, Sandy (65%)
Lansing City Council Ward 4
Kaltenbach, Tim (60%)
Lansing City Council at Large
Jeffries, Brian (30%)
Lansing School District Board
Clarke Jr., Hugh B. (31%)
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