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Ask the Readers: Pay Off the Mortgage or Keep the Money in Savings?
Published on - June 17th, 2011 (by J.D. Roth)
It's tough to write a personal-finance blog for five years without repeating topics. New readers come and old readers go. Meanwhile, the needs of existing readers are constantly changing. I try not to repeat material too often, but sometimes it's clear it's time to revisit a subject. Now is one of those times.
Lately, I've received several questions like this one from Robin, who wants to know if she should pay off her mortgage:
I've been reading your blog for a while now. It's good for both entertainment and advice, and I like reading through comments on the articles I'm interested in and getting all the various points of view from people.
Something I don't think I've seen addressed yet is this: I've saved up enough money to pay off our mortgage. Should I do it? Should I pay off part of it? Should I keep it as our emergency fund?
Here are some of the rough details of our situation:
- Current mortgage amount: $250,000
- Current mortgage rate 4.625%
- Years left on mortgage: 13
- Years until retirement (at 58): 15, solid salary expected until then
- Current place the money is parked: savings account making 1%
- Thoughts about moving: unlikely anytime in the next 4-5 years, can't say beyond that
- Other retirement savings: substantial IRAs, 401(k), and other investment accounts (not concerned that this will be a problem even if we live to 100).
- House value: probably around $500,000 in Seattle
- Other debt: just monthly credit cards that are paid in full, no car payments, no student loans, etc.
I think it would be great to live mortgage-free, and I hope to do it sooner than later but I also get that there may be better uses for the money and we aren't in any circumstance to rush about it. What do you think?
We've discussed this dilemma several times in the past. In fact, it seems to come up every six months! Let's review the basics.
By repaying the mortgage early, Robin would generate a guaranteed return on her cash: She'd be getting 4.625% on $250,000, which is no chump change. On the other hand, this move has drawbacks. Most notably, cash in a savings account (or even in stocks) is liquid; it can be accessed when needed. But if that cash is converted to home equity, it's more difficult to get at.
And, of course, there's the opportunity cost. Sure, the 4.625% guaranteed return is greater than the one percent Robin would earn in a savings account. But it's less than what she could probably expect to earn if the money were in a diversified investment portfolio.
Some other notes:
- First, this is a good problem to have. Whether Robin pays off her mortgage or keeps the money in savings, she's in good shape.
- Second, the experts don't agree on the best move here. Many argue in favor of getting rid of the mortgage, but many argue in favor of keeping it. There's nothing close to universal agreement.
- Third, as with many money issues, this question is often more about psychology than it is pure math. For many folks, not having a mortgage provides peace of mind they can't find anywhere else. There's no way to quantify how much this is worth — but it's worth a lot.
Whenever this question comes up, I offer the same advice: Unless your mortgage rate is very high, it makes more sense mathematically to invest your money. But psychologically, you should do what works for you. If paying off your mortgage would take a weight off your shoulders, then pay off your mortgage. Sure, you might be losing a bit in the long-term, but you're still making a smart choice. It's like choosing between an apple and an orange; one may be better for you, but they're both good.
And, of course, it doesn't have to be an "either-or" situation. Instead of paying off the mortgage completely, Robin might opt instead to eliminate some of the balance (or to make accelerated payments) while keeping some of the money for emergencies, or investing it elsewhere for potentially greater returns.
What do you think? Does it make sense for Robin to pay off the mortgage? If not, what should she do with her money instead? Have you been faced with a similar situation in the past? What did you choose to do? Would you make the same choice again?
This article is about Ask the Readers, Choices, House and Home
I'm with the psychology aspect, I'd like my mortgage gone, but I'm only 3.1275% right now, so I know I should keep it.
So what is better for me, an Apple or an Orange? Seriously!
I don't know if they're available in her neck of the woods, but if you can get one, an offset mortgage is a good middle ground. You "make" the 4.625% interest *tax free*, plus you still have the full offset balance in a savings account which you can draw on at any time, effectively giving you the facility for an instant-access, pre-approved, no-paperwork loan at 4.625% for up to your outstanding mortgage balance ($250,000) in case of emergencies.
I had never even heard of those, thanks for posting that.
Offset accounts are offered in Australia, right? While I agree that they are an excellent way to manage your mortgage, they are not available in the US to my knowledge.
I have been comparing Australian and US mortgages recently, and find the Australian offerings much more innovative and customer focused. Of course, interest rates are generally higher, most mortgages are adjustable, and mortgage interest is not tax deductible in Australia, so anything you can do to reduce your mortgage balance there is highly favourable.
It's the same in the UK. We were ready to pay off our mortgage a couple of years ago, but first decided to leave it in the offset account until we were out of our pre-payment penalty period and have since decided to leave the offset there indefinitely for some 'just in case' liquidity. It's even better that the mortgage payment is auto-paid from the offset account, so they are coming down simultaneously without any effort from us – all just running in the background.
If an offset account weren't available (as I'm assuming is the case with Robin), I'd still suggest taking the guaranteed return. Yes, the stock market may have an average inflation-adjusted performance of 7%, but that's not a risk-free rate. It sounds like there are substantial investments elsewhere, so might as well free up some cash flow, have the peace of mind, and maybe look at setting up a monthly investment if she's keen to invest more (then she's also dollar-cost averaging rather than biting the bullet now).
If she keeps the money in savings and loses her job (even though she thinks this is unlikely, it happens) then she can pay the mortgage easily via the savings. If she has taken all the savings to pay it and then becomes unemployed it could pose a problem without having an emergency fund to fall back on.
I agree with the PP who say to accelerate payments. I imagine while doing that she would be able to replenish some of the savings during the same time.
There are a few other issues to consider in this decision:
1. Does she itemize and get the mortgage interest deduction – this will affect the effective guaranteed return she gets.
2. Is the family concerned about liquidity – will paying off their mortgage lock up all their cash reserves.
I think that just because paying of the mortgage is the next check list for a financial pat on the head doesn't mean you should do it.
Why pay off early? At this point the numbers don't seem to matter all that much. You have no debt and a healthy retirement fund.
Will it help you retire early? Or is there something else you would rather spend your money on than a mortgage?
If you are paying off your mortgage simply because you have run out of things to do with your money, get creative! Really list out what you could do with the extra money. If paying off the mortgage still ranks high, than by all means pay off the mortgage! But don't do it just because that's what you're "supposed" to do.
Don't do it!
But before I get into details I want to correct one minor math error that J.D. has. He says there's a guaranteed 4.625% return. Assuming you're in the US, your interest is tax deductible. If you about about 30% of your income in taxes, that means that you only have a guaranteed return of around 3.2%.
From my point of view you're NEVER EVER in your lifetime going to get money at a 3.2% rate again, and there are so many things you might want to use it for.
Let's run thought some scenarios of the future. Imagine there are three couples… think about which you'd want to be in each of these situations:
No Mortgage – $100k in cash on hand, 50% in stocks/bonds
Half Mortgage – $350k in cash on hand, 50% in stocks/bonds
Full Mortgage – $600k in cash on hand, 50% in stocks/bonds
Scenario 1 – Stock Market and Real Estate do what they've done over the past few years. Stocks broke even, Real Estate lost 5-10%. You're better off being #3. You can now negotiate with your bank, or worse case let them foreclose on your house (which will take a while) and the bank will be responsible for the fact that your house lost money. Or you can just absorb that cost and carry on with a manageable loss.
Scenario 2 – Stock Market and Real Estate do what they traditionally does which is goes up around 8%-10% annually. Scenario 3 is the best. You've maximized your income, and still gotten the benefit of increased Real Estate value.
Scenario 3 – Personal crisis. One of you is unable to work, and the other is dealing with whatever the issues are. Again Scenario 3 is the best. You have the most cash to weather something. The bank is NOT likely to foreclose on you, they don't want to own your possibly underwater property, they'll cut you a better deal than #2, and you're not going to want to deal with selling your house quickly to get more cash (#1), esp if the housing marketing is poor…
I recently went from owning my house free and clear to taking out the largest mortgage possible on it.
NOTE: If you're going to SPEND the money instead of saving it, you're definitely better off paying off your house, but you guys sound like savers, not spenders, so you can do the safest thing and pay the bank a small amount (3% of your mortgage) to have them take most of the housing market risk, while you can benefit from any upside.
If she's maxing out her tax deductible retirement accounts, she'll have to pay capital gains taxes on any market returns. I'd urge her to pull out her tax returns and check exactly how much the return would be.
Another thing to consider for those of us in the UK is that we don't get any tax relief on mortgage interest as I believe is the case in the US. This makes sways the decision slightly further towards paying off the mortgage.
Investments while generally a better earner do not have the guarantees that paying off the mortgage does have – by paying off the mortgage you're guaranteed to have X hundred dollars all of which can be invested if you wish.
Finally, the money within a house can be accessed in a number of ways – even if Robin suddenly needed $250k she has the option to sell or could remortgage for that amount at any point in the future without having to move.
I'm definitely on the side of paying off the mortgage asap – I prefer the freedom that comes from not having large outgoings. Then again, I could probably make a very large dent into my mortgage but have ended up investing in various ways instead, I'm glad there's no right answer to this one
Some people mentioned that they paid off their mortgage and got themselves a HELOC right away. I think that is a good idea, because the older you get, the harder it is to get a mortgage–at least in some countries.
I know my mother, in Italy, cannot get a HELOC or any large secured loan because she is 70 years old. They assume she will not be around very long to pay it off.
I'd be curious how such a thing goes in the US.
Actually, with such a substantial amount of equity already, I would apply for the HELOC *first*, then pay off the mortgage. The line of credit gives her the ready liquidity if an emergency comes up, but she can immediately pay off the mortgage an stop accruing interest.
That avoids the risk of locking it all in home equity and then not being able to get the HELOC if an emergency strikes.
I would refinance with 10 year mortgage. The interest rate would drop about a percentage point and the payments would be excellerated.
Since Robin states that her money is currently invested in a savings account paying 1% interest, I'd ask her if she feels comfortable even investing it in stocks at all if she opted to keep her mortgage. That's a pretty conservative investment.
Not all of us feel comfortable with supporting publicly held corporations and are willing to make less money if it means we aren't supporting investments that don't support our values.
Other people feel uncomfortable with investing in the stock market for other reasons. As J.D. said, this is a psychology question more than a financial question.
I wouldn't pay it off. If I was Robin, I would buy a rental home and generate some extra income. Or just wait a few years for interest rate to go up and then just buy CD.
I don't hear this advice often, but it's what my husband has always planned to do, buy investment property and become a landlord. He is already in real estate, and he learned from his father growing up, so I'm confident he knows what he's getting us into.
It depends on why you want to pay it off. What are you going to do afterwards? Quit your jobs and travel? Keep right on working and earning the same income? Start a non-profit fund to cure cancer? Or what? How if at all will doing this help you achieve other goals?
If you know why you want to pay it off, that will shape your plans, but in the absence of other information, I think the middle ground is the way to go.
First, there must be a tax-free mutual fund you could invest that money in and get better than 1%. Poke around and see what you can find. At the very least Vanguard has a couple that are fed tax free, even if there isn't a state or municipal bond tax free fund for Washington state.
Second, I agree with those who have said you will want an emergency fund. If one of you gets some rare disease not covered by insurance or your home is damaged in an earthquake and your insurance doesn't cover everything, you'll want a big wad of cash. I would put, say, 100K in a tax-free mutual fund, and make that the emergency fund.
Third, I would figure out how much property tax I would have to pay annually after the mortgage is paid off, and figure out how much I spend on house maintenance annually, and figure out how to pay for those things once the mortgage is gone (this will partly be answered by what you plan to do with your mortgage-free life).
Then I'd take the other 150K and make a big dent in the mortgage. And figure out how to accelerate payments to get rid of the last 100K in a very short period of time, say 3 or 4 years. When the debt is paid, if you plan to keep working, divert all that monthly payment money back into the e-fund, house maintenance, and property taxes etc.
But that's just me.
Wish I had this problem Actually, I do — but on a much, much smaller scale. Over the past few years, I've had enough money in my savings to pay of my small student debt. As much as I love the idea of living "debt free", I liked having a healthy cash cushion. I took the middle ground and accelerated payments. I was glad I did as I had a couple of scares along the way.
I'm not saying this approach is right for everyone, but I think we get a lot of pressure to live "debt free" or "mortgage free". You have to decide what's best for your peace of mind, and sometimes those labels are just a different kind of status symbol.
I have a similar problem! Hubby would rather keep paying my student loans at the minimum and use the cash to buy investment property. I would love to be rid of the debt first, but I can't argue with the low home prices and low interest rates that we have right now. Waiting a few years might miss this golden opportunity.
Well, wait a minute…
Instead of paying off, can you refinance into a 3-5 year ARM? Pay it off as a 3-5 year loan using the $250K in savings.
This will substantially reduce your monthly interest.
The Easy Orange 5-Year mortgage from ING is running at 2.99%.
I would drop the emergency fund down to, say $50k, which still leaves plenty of a cushion, and put the other $200k toward the house. Then I'd aggressively pay down the rest of the house until it's paid off, then build the emergency fund back to where she feels comfortable again. But a 50k emergency fund should be plenty, especially since it'll only be for a few more years.
I'm in a similar situation although at a smaller scale. I have enough money invested to pay off a student loan in full, but I am afraid to do it and then not have the money!
JD is right when he says that this is a GOOD problem to have… I think I'm going to go for it! You should too!
Can't go wrong getting rid of debt, right?
What about for a student with student loans but no other payments?
I bought my house 2 years ago and I am currently enrolled in MBA program. I contribute 20% of my paycheck to 401K and 4% to Roth IRA. I currently still have balance from undergrad loans. I've been paying 5% more on my monthly mortgage payment. I am not sure which loan to pay off first.
google debt repaymant calculator and play around with the numbers. They tell you what inputs pays off the debt the fastest with the least amount of interest owed. That is, they structure your payments to pay off the loans the soonest, thereby paying the least interest.
Though I'm nowhere near this position (still saving up for a down payment for a first mortgage!) I can imagine myself being there, and I would definitely want to pay it off (leaving a liquid sum for an emergency fund). Once it's paid, your monthly expenses will be so much lower. I remember how much more relaxed my parents got about money once their mortgage was paid.
The only reason I might not pay it off is if I thought I might want to use the money for something else (rental or vacation home, start a new business, etc).
Congratulations! And good luck
You know, that is a really good point. I am the youngest of five, and when my parents paid off their mortgage, I was still in HS and things definitely started to change. On the other hand, my brother had graduated and saw not much of the "hey, why not?" phase of living with my parents.
I didn't read all of the comments, but one thing the article failed to account for (and other readers) is the tax deduction on mortgage interest by keeping the mortgage.
In my current situation that mortgage saves me thousands of dollars per year in money that would otherwise be paid in tax.
Given the tax break. Given the historic low rate. Given the state of the economy and the likelihood that interest rates will go up (and possibly WAY up). I think its definitely smarter to keep that mortgage as long as you can and invest the money elsewhere.
If it were me, I'd let the mortgage stay. Why?
First, I value the emergency fund. Second, the mortgage is clearly not a substantial portion of her income, given the size of the emergency fund saved.
If the emergency fund is large enough to pay off the mortgage completely, then unanticipated unemployment still leaves you in a very comfortable position (ie, able to pay the mortgage and grocery bills for a very long time while finding new work).
Third, inflation is inevitable and will only serve to make the mortgage easier to pay as time passes.
I'd keep the emergency fund, but invest a large portion in a diversified manner to reduce risk but increase performance – 1% is way too low for that kind of money.
I totally agree that it's all about psychology. I can tell you what we're doing. We bought our house with 10% down and pay PMI. We are paying extra on the mortage but only until we're at 20% and can cancel PMI. Then I'm going to stop prepaying it. I figure the extra payments at the beginning of the loan will have the biggest impact in saving me interest, but 5% is so cheap that after PMI is gone, I think I can do better in the market. Of course, I'm also in my early 30′s so I plan on investing over a fairly long time period.
My goal would be to have the house paid off by the time I retired. Why not put some of the money to work for you in a good mutual fund, but accelerate the payoff of the mortgage by putting extra toward the principal with the goal to have the mortgage paid off when you are ready to stop working (or earlier). If you've saved up that much just from working, my (good) guess is that you have discretionary funds you could put toward paying the mortgage down, without tapping your savings.
I'll toss my hat in with the psychological crowd, paying the mortgage off just sounds way more appealing.
Pay off the mortgage debt is better if we are sure that we don't have any business/investment plan in the future. Otherwise, Savings in bank or somewhere else with good liquidity will allow us to have good investment opportunities whenever there is a chance.
My vote would be to pay it off and then open a HELOC for an emergency fund.
My sister did something really different. She wrote it up and financed her own mortgage! Sounds silly- but she pays herself 4.5 % interest and has an income and a job. Seems silly until you understand that unless you have a job in retirement you are not allowed to invest in your IRA.
I hope you're not suggesting borrowing money from your IRA to finance a home? That would be disastrous since the IRA would be nullified and deemed distributed in the tax year the loan closed.
Although the peace of mind that comes from paying of the mortgage would be nice…one should also have much comfort just knowing that they have the ability to pay of their mortgage if they so choose. With that said, instead of paying of the mortgage, make accelerated payments. To allow you to make those accelerated payments, I would keep an above average emergency fund in savings (say 4-5x the recemmended 8 month fund. With the remaining money, I would diversify into investments to minimize risk.
Under normal circumstances investing and getting a return in excess of your mortgage rate makes sense these are not normal times .The current outlook for the u.s.a. is very gray as it is for a great deal of the rest of the world. It could be very stressful to invest $250,000 and see 50% of value evaporate in 6 months . Think about and build a spreed sheet to compare various options .Pay the mortgage off and apply the former payment to an investment and savings account ,or make a significant payment towards principal and this will lower your overall rate on the loan . work each method out and see what is best for you think of other possibilities and compare.Normally timing the market is a fools game these however are not normal times the next few months could be very volatile.Now this may sound nasty but it is not meant to be,if you are asking for advise you do not know enough about how to handle your current situation go self educate until you are confident on the subject only you truly understand your current situation and only you will have your best interests at heart Good luck
for myself, I would suggest to Robin that they double the monthly mortgage payment and if they are comfortable doing that for three years and if at the end of that third year, they are comfortable paying the balance and have the amount that they need to pay off the loan, then they should do it. By then, they have paid 6 years worth of mortgage payments so their mortgage balance will be lower, then they can take the money that they normally put toward the loan and then put that money in an high interest savings accout, CDs, retirement accounts until it is time to retire. With 13 years left on the mortgage, I am assuming that they really don't need the mortgage interest deduction. but that is me. After all, this is a decision that Robin and her significant other must make and decide if they are comfortable with that decision or not.
I have a similar "problem" (not a bad one to have) although I don't have quite enough invested to live to 100. In my case, I'm a widow with a small child, so I've chosen to be conservative and maintain a large emergency fund vs. paying off the $150K left on my mortgage or investing the amount. I do have many other investments, including my son's college fund, that are subject to market fluctuations so this is my "peace of mind" account. If I should lose my job and the market tank, I could pay all bills (not just the mortgage) for a very long time. It stings a bit to have such a large amount making 1%, but psychological benefits are high.
If you paid off your mortgage, how large of an Emergency Fund would you have left? If your Emergency Fund was equal to 6 months to a year of monthly expenses would you feel more comfortable paying off your mortgage. Plus, if your mortgage was paid off, that payment would be freed up to apply to your other monthly bills, savings and investments.
Scott, if I paid off the mortgage in full I'd be down to a $5k emergency fund in terms of cash/liquid savings. So that wouldn't be a comfortable place to be. I pay extra on the mortgage each month so as that balance goes down I might feel better about it. I do still invest a good amount every month, so I don't feel like I'm missing out entirely on growth opportunities. But it's definitely an emotional thing; the bank account represents years that I could support my son without a job, and even thought it's unlikely that I would spend multiple, consecutive years unemployed, it's nice to know I COULD.
I only noticed 1 other reply that suggested refinancing. I agree this is a psychological decision more than a financial one. However, If the poster chooses to keep a mortgage, I would recommend looking at a 10 year which I just found for 3.375%. I also would reinvest part of the savings account to give higher potential returns. It doesn't make much sense to be invested at a negative 3%+ return.
If Robin really doesn't have anything else to do with the money, but wants the security of having a significant amount in cash, a refinance is definitely the way to go.
I would do two things:
1. Refinance into the product at the lowest rate possible whether that's a 10 year fixed or a 5 year ARM. Make sure to not pay any closing costs which will require buying up the rate a bit, but it will still be significantly lower than 4.675%. Pay the exact same monthly amount as she pays now regardless of the new payment amount.
2. Take the $250K in cash and split it up into a few 5 yr CDs. Ally Bank has 2.4% CDs with only a 2 month withdrawal penatly if she needs it sooner.
If she is able to get a 3.5% rate and a 2.4% CD, then she'll have instant savings of $6,300 per year (over the 4.625% mortgage with 1% savings), but will still have the peace of mind that the cash gives her. If she gets an ARM and the rate goes way up in 5 years, she can pay it off then and the loan amount will be much lower, so there still should be plenty of cash left.
I agree with Steve partially. If she doesn't have the emergency fund if she pays down the full mortgage, a careful refi can leave her with enough for that fund. But I would recommend that she look at a 15 year with lower required payments without a prepay penalty. That way if something goes awry with her finances, she has a lower mortgage to pay until retirement but she can still pay it off earlier if finances continue smooth.
If that savings is part of her retirement plan, I would say she shouldn't pay off her mortgage. But, if she has a solid 401k or other retirement fund than she can use to retire when she plans to, I would say pay off the house.
There are lots of things you can do to reduce the amount you spend, and the following suggestions are some of the best ways to save money, because they can have the biggest impact on your spending.


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As an interpreter of Japan to the West, Lafcadio Hearn was without parallel in his time. In Kokoro, his 15 collected essays examine the inner spiritual life of Japan. Sometimes touching and always compelling, the writings here tell the stories of the people and social codes that make Japan the unique place it is.
Publisher: Tuttle Publishing (December 20, 2011)
Format: EPUB
Page count: 256 pages
File size: 2 MB
Protection: DRM
Language: English


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A total of five people have been arrested after an immigrant died from heat exhaustion in July.
Deputies say one of eight heat exhaustion victims died after the group was found in the back of a U-Haul van in July at an I-10 gas station at Picacho Peak northwest of Tucson.
Nathan Lamb, Elizabeth Kay and Yolanda Banda have already been arrested in connection to the death.
The fourth suspect, 28-year-old Gerad Punch, was arrested July 18 and the fifth suspect, 53-year-old Enrique Morales Velazquez, was arrested August 13.
The Pinal County Sheriff's Office is still looking for a sixth suspect, 39-year-old Gerald Alan Turner, who is wanted on felony murder charges.
Deputies say he should be considered armed and dangerous. Call 911 with any information regarding his location.
Punch was booked for one count of 1st degree murder one count of 2nd degree murder, six counts conspiracy to commit kidnapping and six counts conspiracy to commit human smuggling.
Related stories:
KSAZ-TV & KUTP511 W. Adams St.Phoenix, AZ 85003Phone: (602) 257-1234Fax: (602) 262-0177


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Hi Fi World Magazine
About Hi Fi World MagazineRun by a team renowned for their long involvement in the audio industry, Hi-Fi World offers a uniquely broad and knowledgable view. They not only measure and review hi-fi but even design and build it, exporting around the world. Our designers are Britain's best too, with long experience in the industry. Their interest extends from tube amplifiers right through to MP3. More Info
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Reader Comments (Page 1 of 1)
1. Why would you be insulted? Are you part of the dev team?
2. People should stop complaining that Wow.com or Joystiq.com or any blog is posting articles they dont want to read. You are not being force-fed this blog. For many this is an interesting discussion.
3. The patch is coming! But.... that's not the only topic out there. The site would become very bland and boring if they only ever wrote about the next patch. I'm sure there will be an article poring over the new latest tiny details of the changes on the PTRs.
4. By the looks of this article though, I think Amanda has been working on it for a while. It has links to other similar articles, and it contains a bunch of ideas for the speculative woodwroking professions (Except it's use in player housing :D )
5. Also, and finally, it was something to post while she writes up another one. These posts don't write themselves, they take some time.


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When the opportunity to begin Project M3 knocked on my door four years ago I knew I wanted to start with a 1995 3.0-liter. I was willing to give up a little displacement in favor of having the OBD-I computer pre-1996 cars had. OBD-I made it easy to swap chips and get power gains out of popular and easy-install upgrades for the M3 such as chip upgrades and Euro-spec HFM (hot film mass, aka "air-mass sensor") conversions, getting these cars closer to 230 whp. The ultimate, normally-aspirated upgrade for a street '95 M3 was the Schrick cam kit I tested on Project M3 a few years ago, which by itself took the car to 240 whp with no exhaust modifications (ec 01/02).
At the time, none of this stuff was available for the S52 (3.2-liter) OBD-II engine. Not only that, but to keep air velocity at a maximum BMW supplied these cars with a more choked down intake manifold-good for low- and mid-range torque but bad for top-end power and straight-line acceleration. For people that wanted more power out of a normally-aspirated E36 M3, the OBD-I 3.0-liter was the car to get. But thanks to Eurosport High Performance (EHP), those dark days are over.
Based out of Salt Lake City and working closely with BMW chip tuning expert Jim Conforti, EHP's Josh McMurray released the OBD-II cam kit for '96-99 E36 M3s, which not only uses the same cams and Euro HFM I tested, it also adapts the OBD-I intake manifold to the 3.2-liter motor without throwing a fault code. The kit also comes with EHP's Shark Injector device, which simply plugs into your OBD-II port in the engine bay and loads the corresponding software in a matter of seconds. No need to remove the ECU, let alone experience the multi-day downtime from sending it in for recalibration. But it will only work on the first car it's used on, so forget about helping your friends out with freebee software.
We borrowed the same '99 M3 used in our exhaust shootout (ec 01/03) but only after I converted it completely back to stock. Testing took place on a Dynojet 224LX, a load-based dynamometer, at the House of Power in Huntington Beach, Calif. Owned by Josh Rickards, House of Power was also hired for installation since Rickards has plenty of experience with E36 M3s. Rather than perform one simple test comparing stock numbers to the cam kit, we broke the test up in several stages to show the power gains between EHP's different power stages.
With 150k miles on the odometer and an estimated 13k miles of track use, this '99 M3 has seen a lot of action in recent years with track junky and BMW CCA instructor Jonathan Lawson behind the wheel. But after a 208 whp baseline, the car proved healthy enough still. Note, since this is a load-based dynamometer, some will argue the power figures may be slightly conservative when compared to the much more widely used Dynojet 248C inertial dynamometer. In order to keep testing variances to a minimum, three runs were made for each upgrade with the cylinder head temperature at 190F and the intake air temperature at 95F, as monitored by Rickards' scanner tool. Air/fuel ratios registered between 12.0-12.5 from 5000 rpm.
Our first upgrade was EHP's stage-one power upgrade. A separate Shark Injector was sent specifically for this setup so as to not over-richen the mixture with the Shark Injector meant for the cam kit. With a register of 218 whp, this simple, 15-minute upgrade was good for 13.9 hp at 5750 rpm and 13.2 lb-ft of torque at 5050 rpm. Slightly leaner, the air/fuel ranged from 12.5-13.1 from 5000rpm-on.
Because of the car's choked down intake manifold there is a serious drop in power after 6500 rpm, which is where any stage-one-equipped M3 should be shifted from second gear onwards. At 7000 rpm this car is only making 189 whp.
So what would happen if we were to successfully adapt an OBD-I manifold? What we like to call EHP's stage-two power upgrade does simply that-it exchanges the OBD-II intake manifold for an OBD-I manifold that can be found on any stock '92-95 325i or '95 M3. EHP made this possible with its CNC OBD-I adapter bracket, which adapts the OBD-II idle air control motor and vacuum lines. The install isn't as simple as it may seem, but luckily EHP's easy-to-read CD-ROM instructions were easy to follow, keeping this portion of the install to three hours.
When finished, this upgrade proved well worth it. Without changing the stage-one software, the power soared to 233 whp-the most power I've ever seen out of the stock HFM. Because EHP hasn't developed specific software for running the intake manifold with its stage-one intake kit, it does not recommend this particular setup-despite the fact that several of its customers reportedly drive their M3s this way. I think EHP just wants to be able to fine-tune a lone intake manifold upgrade first. But we found the idle was still good and the air/fuel ratios were a leaner 12.5-13.2 from 5000 rpm-still fine for a normally-aspirated car.
The gains don't come without a small price paid in low-end performance, however. A power loss started at 2500 rpm and continued to 4600 rpm, with a peak loss of 17.4 hp and 23.3 lb-ft at 3930 rpm. But the window in which it happens is fairly small and will only be noticed while driving around town or powering out of turns in too high a gear (in that case, shame on you). In a drag race the losses would be insignificant, as all you'd have to do is launch at any engine speed greater than 4000 rpm. It's evident BMW chose the OBD-II manifold to make the car feel quicker at low speeds and at a stab of the throttle. But where the OBD-II intake manifold really drops off in torque-at 5000 rpm-is where the OBD-I manifold shines, maintaining it much better through redline. And it's this range that makes the car significantly faster in a straight line for the simple fact that the engine is now getting much more work done over time. In other words, horsepower-32 whp more at 7000 rpm to be exact.
Eurosport High Performance will sell you a new intake manifold for $497 or a refurbished unit for $275. The company encourages its customers, however, to source their own (I've seen several for around a couple hundred bucks online). For the cost of a used intake manifold and the $375 CNC-machined bracket and included bolts, gaskets and a fuel rail cover, I'd say this is more really good bang for your buck. Taking a used manifold into account, total parts cost to this point would be approximately a grand. For a jump from 208 whp to a relatively untuned 233 whp, I'd say that isn't bad at all.
Our hopes for surpassing the 240 whp mark rested on the shoulders of EHP's Schrick 264/256 degree cam kit, which also brings the larger Euro-spec HFM into play. For a job like this you will definitely need a mechanic that knows his or her way around BMW's Vanos system because of the cams. Rickards was our guy and he got it done in an additional six hours.
Upon initial startup we were blessed with no check engine lights or hesitations, but the sound of bigger lobe cams was audibly apparent under the hood. The car was driven for several miles, dynoed, driven again for a week, and then dynoed again just to check for any adaptation. No significant change was found between the two dyno days, but with nearly 243 whp the car felt fantastic in the upper rev range, particularly in a third-to-fourth gear shift at redline (with a 34 whp gain in peak power, it had better).
Our last upgrade had nothing to do with EHP's power upgrades, but I felt a cat-back exhaust system needed to be thrown into the equation regardless. After all, most E36 M3s owners ditch the stock cat-back in favor of an aftermarket one anyway. UUC's new RSC36 features Corsa Performance's RSC (Reflective Sound Cancellation) technology designed to give a moderate, deep sound at idle and a roaring wail at full-throttle. Believe me, it does just that, and it's even a little louder at wide-open throttle than its original System U, which won our exhaust E36 exhaust shootout (ec 01/03). It sounds great, but I don't recommend a good rip next to your local police officer.
Power-wise, like all other E36 cat backs we've ever tested, there were very small peak power gains at the lesser power level with EHP's stage-one intake system, which we anticipated on this car. In our exhaust shootout we didn't even see a gain by taking out the M3's stock cat-back altogether. At that power level, nearly all aftermarket cat-back systems we tested were found to be good for a 1-2 whp gain in peak power and a 3-6 whp in the midrange on the OBD-II M3.
Now that this 3.2-liter engine was flowing significantly more air, I felt we might see a significant gain with the UUC RSC36. And we did. After an easy 20-minute install the car was brought back to its dyno-testing temperatures and run again. Power continued to climb, finally reaching a healthy 246 whp. With a $900 price tag it may not be the best power bang for the buck when compared to intake systems, and exhausts never will be. But you will experience an aggressive-and almost scary-sounding exhaust, a 20-pound weight savings and a few free ponies to boot.
Peak power gains for this entire installment over stock are overshadowed by the fact that you can only compare power changes up to 6330 rpm due to the stock ECU's rpm cut. Still, a peak gain of 38.5 hp at 6330 rpm and 33.1 lb-ft at 5840 rpm should paint a nice picture, even with the 6 hp and 8 lb-ft loss at 3800 rpm.
To put the differences into perspective I'll compare the cam kit to another stage that also sees 7000 rpm. Those of you shifting your Eurosport High Performance stage-one-equipped (or equivalent intake/software upgrade) 3.2-liter M3s at 7000 rpm-unaware of the power drop between 6500 and 7000 rpm-will appreciate what I'm about to say the most. Sure, there is a loss of a handful of horses from 2600 to 4200 rpm, but from 5850 rpm to redline EHP's OBD-II cam kit with a cat-back exhaust had peak power gains ranging from 25-49 horsepower over its proven stage-one intake system, with a peak gain of 49.4 hp at 7000 rpm. Now that is a serious power gain!
Author's Note: Eurosport High Performance's available cam kit for the OBD-I 1995 M3 will show slightly lesser gains but with no losses due to no change in the intake manifold. A thorough test can be seen in the January 2002 issue.
Seat Of The PantsCar owner and BMW CCA instructor Jonathan Lawson had a chance to track test the performance of the OBD-II cam kit back-to-back with his previous stage-one intake kit from EHP. I'll let him explain in his own words:
"At Buttonwillow, with the central California chapter of the BMW CCA, the weekend provided a lot of good testing. On the straights, S54-powered E46 M3s and M Coupes used to be able to easily walk away. This time, however, it wasn't that noticeable and my car actually caught up to several E46 M3s on the front straight. When coming off the final turn onto the front straight behind other E36 M3s, the car would be about an equal pulling distance behind for the first 1/4 of the straight but would catch up to or pass them once in the upper-rpm power band. In the higher revs, the nature of the car is transformed, pulling much harder than with just an intake, software and exhaust.
"I'm very comfortable at Buttonwillow and we were running a very fun configuration (#13 counter-clockwise). With this car in the past, there were turns where I could comfortably have my foot on the firewall without worries of overpowering the 235/40-17 Toyo RA-1s. Now, even with 255/40-17 RA-1s all around, I had to exhibit a bit more patience with the throttle. Going into the grapevine and cotton corners in third gear required a much more progressive input of throttle in order to keep the tires from breaking loose.
"During street cruising there's a slight loss in low-end torque but not enough to really complain about. On the track and in hard acceleration, however, the EHP OBD-II cam kit really shines. Where the power used to start falling off a little-beyond 5000 rpm-that's where the fun really starts now, and it never feels like it's running out of breath. With stock gearing it feels great, but I have a feeling that a 3.46 rear end (stock is 3.23) would help keep it right in the meaty part of the powerband a bit better without sacrificing any useable top end, and it would probably still keep freeway cruising bearable." Sounds like an interesting test, Jonathan! Stay tuned.


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Madison-Grant Awarded $100,000 for 2014 Digital Learning Grant
We are excited to announce that Madison-Grant received one of the 20 IDOE Digital Learning Grants! This grant will be of great benefit to our students and staff. Below are two links that provide more specific information.
The vision of our school district is to be the highest performing school corporation in Madison and Grant Counties by 2016. We will achieve our vision by attaining 90% + performance in reading, state testing, and graduation on rate. We will rank in the top 25% of Indiana school districts by 2020.
These goals, a few years ago would have seemed impossible to reach, but not anymore! Here are some examples of our recent improvements/accomplishments:
As you browse this website to learn more about our district, we invite you to take advantage of some of the great tools and information available. Stay current with the latest district news, keep track of school events, or find out about employment opportunities. Use the Quick Links in the sidebar on this page to quickly access information about everything from school menus to state-mandated testing, or visit our department pages to find information about some of the services our district provides. We hope you will bookmark this site and visit often!
John Trout
Madison-Grant United School Corporation is tobacco free as of August 23, 2010. Tobacco in any form is prohibited in any Madison-Grant facility, vehicle, on any grounds, or at any school related event.


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Applying for a job in a company that once rejected you.
Should you apply or a job in a company that rejected you in earlier interviews. We give you tips on how to ensure you get called again for another open job.
A recruitment process is often long and drawn out, with multiple screenings, interviews, and reference checks. Coming in 2nd place for a position you wanted and thought was inevitable can be hard to take. Usually job seekers will drop the whole thing after a rejection and simply move on to pursuing the next opportunity they can find. That is often a mistake!
While you should certainly always keep pursuing additional opportunities until you've accepted an offer, following up and showing continued interest, can often pay off.
The point was emphasized to me again recently when one of the clients we wrote a CV for was rejected for a job he was pursuing. I encouraged him to send a brief email to the HR manager, thanking him for the chance to be considered and expressing an interest to still be further considered for other appropriate opportunities as they may arise. He was reluctant to do it, but finally, after several days decided he would.
In less than a day after sending the email, he got a call from the HR office saying he was glad to get the email, and asked if he would be interested in coming in to talk about another open position!
Why was the note important? Several reasons…
In today's competitive job market, it's not at all unusual for an employer to have multiple equally good candidates for an open position. They can only select one. However, would gladly take others if they could. Expressing continued interest after a rejection, sometimes results in an offer. Make it a standard practice for any position you don't initially get. You have nothing to lose and everything to gain.


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HAMLINE UNIVERSITY COURSES OPEN UNTIL SEPTEMBER 15 (scroll to courses below)
HECUA AND UMAIE COURSES REMAIN OPEN UNTIL OCTOBER 1 (scroll to links below)
Center for International and Cultural Education (CICE)
2015 January Interim Off-Campus Study courses
APPLICATION DATES: April 1-July 31, 2014
All January Interim fees are estimates, and the final cost for the program will be determined at the beginning of the academic year. Scholarships are not available for January Interim programs, however students may apply for personal loans. For more information on determining program costs, visit our website: Program Fees and Billing
** Additional Costs include immunizations, books, and some meals. Passport costs are the responsibility of the student.
Mayra Taylor, SPA Dates: Jan 3-25 Enrollment (max to min): 20-10 Estimated Cost: $4344- $4454 Additional Costs: $20 Application Fee: $65
Students will travel to Costa Rica where they will study primarily the Spanish language and culture of this small but fascinating country. The class will analyze the effects of globalization on a country that from colonial times had an agricultural based -economy but has leaped into the global arena to re-brand itself as a mecca of ecotourism and high technology exports. Through language classes, homestays and visits to a variety of sites, the students will be able to identify the issues that are currently changing the country and draw their own conclusions.
CostaRica Brochure2015.pdf
Barbara Zust, NUR Dates: Jan 7-28 (US Retreat Jan 4-6) Enrollment (max to min): 14-18 Estimated Cost: $5150-$5800 Additional Costs: $ 20, plus immunizations Application Fee: $65
This course is designed for students who are interested in exploring health in Tanzania from a holistic perspective that regards one's physical, emotional and spiritual wellbeing as intricately enmeshed. Students will interact directly with people in rural and urban health care settings, as well as spend time being part of a rural village's daily life. Because music plays an important role in Tanzanian culture, students will have numerous opportunities to join the people of Tanzania in singing favorite Tanzanian songs of faith in Swahili. Students will write daily narratives that reflect on the meaning of this experience. In a final project, students will analyze their collective narratives for universal themes that capture the meaning of the experience.
Tanzania Brochure.pdf
NDL 155 South Africa: Examining Global Service-
David Newell, CSL, and Ellen Ruiters Dates: Jan. TBA(on campus XX-XX) Enrollment (max to min): 20-10 Estimated Cost: $4250-$4650 Additional Costs: $175 Application Fee: $65
Students will examine global service through volunteering with Africa Jam, a non-profit organization in Cape Town, South Africa. Students will engage in service and cross-cultural conversations as well as visit several cultural sites that provide the political and cultural context of South Africa. Through service, community outreach, cross-cultural conversations, and course reading, students will examine global service and relate that knowledge to their own sense of service and understanding of the unique needs and functions of community. Students will be expected to articulate their experience through both written and oral presentations.
South Africa Brochure Final.pdf
South Pacific
Martin Lang and Leila Brammer, COM Dates: Jan 2-28 Enrollment (max to min): 25-20 Estimated Cost: $5700-$6300 Additional Costs: $300 Application Fee: $65
Fiji and New Zealand each have rich and diverse cultural histories that were shaped by their experiences in their respective environments and the different forms of colonization they endured. By examining media, performance (dance and music), nonprofit organizations, and governmental policies, this course explores the cultural identity of indigenous Fijians and the Maori of New Zealand.
Fiji and New Zealand Brochure.pdf
HES 242 Olympic Quest: Examining the Pre- and Post-War Olympiads of Germany, France, England, and Ireland
Aaron Banks and Mary Joos, HES Dates: Jan 10-27 Enrollment (max to min): 30-20 Estimated Cost: $5995-$6550 Additional Costs: meals $250 Application Fee: $65
This course will investigate the history of the modern Olympic Games set in the context of pre- and post-World War I and II through cultural, philosophical, societal, and athletic means. Through daily fieldwork and excursions, interaction with guest speakers and guides, reflective journaling practices, course readings and written papers, and instructor and student-led presentations, students will have the opportunity to interact with the origins of the modern Olympic Games.
GER 120 Germany: More Than the Alps, Beer, and Castles
Patricia Branstad, GER Dates: Jan 8-31 (on campus Jan 5-7) Enrollment (max to min): 20-10 Estimated Cost: $5200-$5800 Additional Costs: $215
Application Fee: $65
Through a week's stay in each of three areas of Germany (Ostfriesland, Berlin, and Munich), students will increase their awareness of Germany's diversity and thus challenge common stereotypes of German culture. Students will explore the political, economic, and social influences that shape Germany's cultural identity.
T/D 244 The Gaiety School of Acting – Irish Theatre January Term
Participation on own with Gaiety instructors Dates: Jan 5-27 Enrollment: minimum 5 Estimated Cost: $3700+airfare Additional Costs: $250 Application Fee: $65
The Irish Theater January Interim is a course designed for students who have previously taken Gustavus drama courses, and now want to focus their craft through the intensive study of Irish Drama. This intensive program takes place five days a week over a three week period at theatre premises in the heart of Dublin's cultural quarter, Temple Bar. The program explores a unique approach to learning that combines the development of literary understanding with an exploration of the craft of acting. On the final evening of the program students will present a showcase of selected scenes from the various plays studied. Weekends are free for travel.
Ireland Gaiety Brochure FINAL.pdf
MUS 156 Gustavus Choir in the British Isles and France (This course is open only to Gustavus Choir students – auditions required.)
Greg Aune, MUS & Joyce Sutphen, ENG Dates: Jan 16-31 (on campus 5-15) Enrollment (min): 65 Estimated Cost: $51400-$5400 Additional Costs: $TBA
Application Fee: $65
Students will examine literature, history, and culture of the United Kingdom from the Renaissance to the present day. They will discuss and respond to poems, short fiction, and drama connected to various locations on the tour. In this sense, the course provides an intersection between rehearsal and performances, history, culture, art, literature, and music. Performances will occur in historic churches and locations where actual composers of the touring choral repertoire created their music.
Social and Political Transformation in Ecuador
Instructor: TBA Dates: Jan 2-25 Cost: $4000 Application fee: $50 HECUA Fee & $65 GAC Fee upon registration. Additional Costs: $330 (local transport, immunizations, and passport) Prerequisites: GPA of at least 2.75
This is a HECUA consortium program. Instructors include HECUA faculty and on-site specialists. The course explores socioeconomic issues in Ecuador as manifested in the country's growing inequality and the proliferation of new social movements. Particular emphasis will be placed on indigenous rights, gender equality, the protection and management of natural resources, and Ecuador's new Constitution. Students compare and contrast the Ecuadorian experience with developments in other parts of Latin America. Students gain a firsthand perspective on these dynamics with field work and NGO site visits in and around the beautiful capital city of Quito and in some distant rural communities. For more information see http://hecua.org/j_ecuador.
June 2014
Race in America Then and Now: "Post-Racial" Perspectives on the Civil Rights Movement
Instructor: TBA Dates: June 9- June 30 Cost: $3200 Application fee: $50 HECUA Fee/$65 GAC Fee upon registration. Additional Costs: Prerequisites: GPA of at least 2.75
Many people in the U.S. and around the world have seen the election of President Barack Obama as a sign that racism in America is a thing of the past. America, it is said, is now a "post-racial" society, and has moved beyond a racially divided time. Yet that past was not very long ago. Obama's election came within the lifetimes of people whose parents were born into slavery in America, and he was elected President less than fifty years after the Civil Rights Act of 1964 and the Voting Rights Act of 1965. Even after these landmark pieces of legislation became law, in the 1960s many communities of color struggled to find justice and equality in the United States. This program explores that era's struggles as well as current movements for equality, and dares to ask questions about racial justice in America today. During the one-month program, students meet with civil rights activists who were active in the 1960s and those who are active now, and with lawyers, politicians, educators, and youth to learn about how America's present is inextricably linked to its past. Field experiences open up connections among issues related to education, incarceration, and distribution of wealth, health care, housing, employment, and the environment.
Program Website: https://hecua.org/civilrights
OFF-CAMPUS COURSES with Hamline University!
January 2015 and May 2014
Area Approval for all courses: January IEX
Applications open on April 15th. Priority application period is from April 15-May 15 with application fee of $225. *Applications submitted May 16th-Sept. 15th have application fee of $275
THTR 1980: Theatre in Britain
Bill Wallace & Carolyn Levy Dates: Jan 5-22 Estimated Cost: $TBA Application Fees: Hamline: priority $225* & Gustavus: $65 (BOTH ARE NON-REFUNDABLE) Additional Costs: $TBA
This course is an exploration of how the unique interplay of history, culture and tradition has shaped and sustained a vibrant theatre tradition. Students will see a wide variety of theatre productions, visit important historic sites and see backstage in some of England's most historic and interesting theatres.
MUS 1080: Music History in Central Europe
Yali You Dates: Jan 6-26 Estimated Cost: $TBA Application Fees: Hamline: priority $225* & Gustavus: $65 (BOTH ARE NON-REFUNDABLE) Additional Costs: $TBA
Austria, Germany, and Czech Republic have an important position in music history. To study the composers, their compositions, and styles on site will greatly enhance the students' learning experience. The class will include lectures, listening, oral quizzes, and a final project, in addition to touring of museums, churches, opera houses, and important monuments.
INTD 1980: Rural Jamaica: Exploring the Natural World through Art and Biology
Bonnie Ploger Dates: Jan 1-16 Estimated Cost: $TBA Application Fees: Hamline: priority $225* & Gustavus: $65 (BOTH ARE NON-REFUNDABLE) Additional Costs $TBA:
This course will explore remote parts of Jamaica, far from tourist crowds. The Caribbean islands are global hotspots of biodiversity. We will investigate this diversity artistically and biologically as we visit habitats from tropical forests to ocean shores. Students will experience how artists and biologists investigate the environment in terms of issues such as time, scale, shape, and color.
***Interview required in order to be accepted to this course. Please e-mail Christine Diaz-Higgens (email@example.com) in order to set up an interview.
PHIL 1145: Development Ethics in Jamaica
Samuel Oluoch Imbo Dates: January 9-25 Estimated Cost: $TBA Application Fees: Hamline: priority $225* & Gustavus: $65 (BOTH ARE NON-REFUNDABLE) Additional Costs: $TBA
This course consists in the examination of ethical issues related to so called "Third World" or "developing" nations. This course will review recognize, engage, and examine major issues in the ethics of development, assess the principles, theories, logic, and evidence used to support assertions on developmental ethical issues, reflect on applications of theory and practice, and attempt to clear articulations of our own sense of the ethics of development.
Accessing Studio Abroad
To access the Studio Abroad site, go to http://gustavus.studioabroad.com/. This will take you to the Gustavus home page of the Studio Abroad site. You can also access it from the CICE website at http://gustavus.edu/academics/cice/studyabroad/programs/programs/jterm/.
What is on Studio Abroad?
You can view the January Interim 2014 courses by clicking "Programs" on the top navigation bar. If you want to see a list of only the January Interim courses, select "January Interim" from the drop-down menu labeled "Term." If you want to search for a specific program, enter the title beneath the "Program Name" from the drop-down menu. Priority applications will be available on Studio Abroad from April 1, 2013 to April 15, 2013. You may apply for Gustavus programs until July 31, 2013.
How to apply
First, locate your program. Once you find it, click the "Apply Now" button and follow the instructions on the subsequent screens. Once you get to your application "home page" you will then need to read, submit, and return a variety of other pieces, all of which will be laid out on your home page. Some of these items will be submitted electronically, some still need to be submitted via paper directly to the CICE (i.e. receipt for fees). Read all of the information and instructions carefully!
For Gustavus programs, this will be the only application you need to complete. If you are applying to a program through Hamline, UMAIE, or HECUA, this is only the application for Gustavus approval and does not constitute approval or acceptance into the specific study abroad program. You will receive instructions and a link to apply to your specific study abroad program/program provider on the Studio Abroad system once CICE has given you the approval to apply.
January Policies
Before beginning a January Interim application, please review the January Term Policies page available on the Center for International and Cultural Education website.
If you have problems
If you have any questions related to the January Interim course(s) that you are interested in attending, please contact:
Linda Shaw, Assistant Director, CICE
507-933-7545 firstname.lastname@example.com
Note: E-mails that are sent from the Studio Abroad system will arrive from email@example.com. You will receive emails from the system whenever a status change has been made or materials received. You will be responsible for checking the Studio Abroad system on a regular basis for all information and updates regarding your program.
Application Procedure for non-Gustavus January Interim 2015 Off-Campus Courses
Before applying for a non-Gustavus January Interim course, please review the application process below:
1) First, you must apply for your course through Gustavus on StudioAbroad before you continue any additonal applications. You must first receive Gustavus approval before you can apply for a UMAIE, HECUA, or Hamline course. Note that Gustavus approval does not constitute approval by or acceptance into the specific UMAIE, HECUA, or Hamline course.
2) You will be notified via your StudioAbroad account if your application has been approved or denied by Gustavus.The notification will include instructions on how to apply to your specific January program/program provider. You may not apply to your specific program provider until you've received approval and instructions from CICE via your StudioAbroad account.
3) Once approved by Gustavus, you can complete your additional program applications for Hamline and HECUA online on their site, links provided. Note: all the components for the UMAIE application are on the Gustavus StudioAbroad application. This application will also be viewed by UMAIE instructors for approval, you will not have to fill out a separate application for UMAIE. You must however bring in your separate program fees to CICE for all the application and deposit fees listed above.
No application will be considered without ALL the required signed documents, copies and a deposit check.
UMAIE will not review applications without passport information. UMAIE requires applicants to provide passport information on the application form, send in your passport photocopy, and or send in evidence that shows you have applied for a passport. This means your application will not be considered until we have this information. The following materials must be submitted in order for your application to be reviewed:
• $500 Deposit
• $65 Application Fee
• Passport information or evidence that shows you have applied for a passport
• Completed application through Studio Abroad
UMAIE Courses
2015 UMAIE COURSES final.pdf
UMAIE Website
The Gustavus StudioAbroad application will suffice for both Gustavus and UMAIE program applications.
To find your specific UMAIE program application, click here or find the Programs tab on the upper right hand of the screen. Type in your program name and under term, select January Interim, then hit search.
No application will be considered without ALL the required signed documents, copies and a deposit check.
UMAIE will not review applications without passport information. UMAIE requires applicants to provide passport information on the application form, send in your passport photocopy, and or send in evidence that shows you have applied for a passport. This means your application will not be considered until we have this information. The following materials must be submitted in order for your application to be reviewed:
• $500 Deposit
• $65 Application Fee
• Passport information or evidence that shows you have applied for a passport
• Completed application through Studio Abroad
*Any cancellations from UMAIE courses must be in writing to (firstname.lastname@example.com) from the students (@gustavus) account not any other email accounts (e.g., Yahoo, Google, Hotmail, etc.)
Hamline Courses
** You must fill out a Gustavus StudioAbroad application and pay a $65 non-refundable application fee initially and must be APPROVED BY GUSTAVUS first to be able to receive credit for your January course, BEFORE you apply specifically to the Hamline program you desire. Hamline application, after Gustavus approval, requires a Hamline StudioAbroad application and a $225 to $275 non-refundable deposit.
Priority Applications open April 15th - May 15th.
To find your specific Gustavus StudioAbroad program application, click here or find the Programs tab on the upper right hand of the screen. Type in your program name and under term, select January Interim, then hit search.
Application Fees:
April 15-May 15: $225
May 15-September 15: $275
Hamline Programs for January 2015- Hamline studioabroad applications available here
Theatre in Britian
Britain Prelim.pdf
Music History in Central Europe
Central Europe Flyer - Dates tent. price tbd.pdf
Development Ethics in Jamaica
Jamaica PHIL Prelim.pdf
Rural Jamaica: Exploring the Natural World through
Art and Biology
Jamaica ArtBio Prelim.pdf
*Setting up an interview: Students who begin applications on this course and wish to have interviews should contact Christine Diaz-Higgins by phone (651)523-2245 in order to get in touch with the professors for their interview.
** You must be APPROVED BY GUSTAVUS first, BEFORE you apply specifically to the Hamline or HECUA program you desire.
Program applications for Hecua are provided in the links below after your GUSTAVUS StudioAbroad application is approved:
To find your specific Gustavus StudioAbroad program application, click here or find the Programs tab on the upper right hand of the screen. Type in your program name and under term, select January Interim, then hit search.
Complete HECUA Application instructions for HECUA courses are here.
HECUA: Social and Political Transformation in Ecuador
HECUA Race and America Then and Now: "Post-racial" perspective on the Civil Rights Movement
Explore information on: Due date for below experiences October 1, 2014
January International Internships,Career Explorations
January International Independent Study
If you have any questions regarding January Interim courses contact:
Linda Shaw
Assistant Director, Center for International and Cultural Education
January Interim Off Campus Coordinator
UMAIE Representative
507- 933-7150


text:
The prospect of having your driving privileges suspended or revoked can be a stressful experience. A good part of the population in the San Francisco area live a distance from work or school and depend on being able to drive to their destinations daily. Many people are unaware that the DMV continually holds hearings regarding suspensions and revocations for a variety of situations. Many of these hearings are held as a result of a DUI arrest where the person arrested has only 10 days to request a hearing in order to prevent the suspension which will otherwise automatically go into effect 30 days after the arrest. If you have been notified by the DMV of a hearing or are facing an automatic suspension because of a DUI arrest, you need the help of the legal team at Okabe & Haushalter who is experienced in fighting driver's license suspensions and revocations and DUI defense.
In a DMV hearing, an employee of the department acts much as a judge does in a court of law. He or she reviews the facts of the case to ensure that technically the facts warrant suspension or revocation. An experienced DMV hearing defense lawyer who understands the hearing procedure and the laws which apply to the case can question witnesses and present evidence which tells your side of the story. Our legal team has handled numerous suspension and revocation defenses, takes the time to analyze your case, and develop a strong defense strategy. We understand what a suspension can mean and work tirelessly to provide a defense calculated to obtain a positive outcome in DMV hearings concerning:
Whether you are facing criminal charges or an administrative DMV hearing, you need high-quality legal representation. Managing attorney Ryan J. King has many years of experience as a successful prosecutor and familiarity with DMV proceedings prior to coming to our San Francisco office. This insight into prosecutorial strategy and tactics provides our clients with a tremendous advantage in criminal court and in civil hearings. Call the law firm of Okabe and Haushalter for an initial consultation with a
criminal defense lawyer.


text:
Ouidad Color Sense Shine Boosting Color Extender
IngredientsAqua (Water/Eau), Polyisobutene, Propylene Glycol Dibenzoate, Hexylene Glycol, Cetearyl Alcohol, Cetrimonium Chloride, Heptyl Undecylenate, Polyquaternium-37, Behentrimonium Chloride, Fragrance/Parfum, Ethylhexyl Methoxycinnamate, Guar Hydroxypropyltrimonium Chloride, Phenoxyethanol, Crambe Abyssinica Seed Oil, Prunus Armeniaca (Apricot) Kernel Oil, Honey/Mel/Miel, Lycopene/CI 75125, Silybum Marianum Fruit Extract, Beta-Carotene, Polyquaternium-4, Hydrolyzed Vegetable Protein PG-Propyl Silanetriol, Zea Mays (Corn) Oil, Propylene Glycol Dicaprylate/Dicaprate, Cinnamidopropyltrimonium Chloride, PPG-1 Trideceth-6, Hydroxyethylcellulose, Caprylyl Glycol, Citric Acid, Limonene, Linalool, Citronellol
Sitewide Offers and Discounts cannot be applied to this item.
Color Sense Shine Boosting Color Extender is a weekly rinse-out treatment that keeps color truer longer while maximizing it with a glossy, vibrant shine for days.
- Blend of Crambe Abyssinica and Apricot Seed Oils protects and extends the life of color
- Creates a lightweight, high gloss finish
- Combined with Color Lock complex, composed of broad spectrum, plant-based sun filters, color is sealed and shielded from damaging UV exposure
Apply to wet hair, distributing evenly from roots to ends. Leave on for 10 minutes. Rinse completely and style as usual. Use once per week for optimal color preservation and shine.
Folica stands behind the authenticity of everything we sell. Since 1998, Folica has made it our mission to provide you with an outstanding selection of hair and beauty products at highly competitive prices.
Share your hair know-how - be the first to rate and review this product.
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Have you used this product to get out of a hairy situation? Leave a note here.
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text:
Blue Beanie Day Haiku Contest – Win Prizes from Peachpit and A Book Apart
Attention, web design geeks, contest fans, standards freaks, HTML5ophiles, CSSistas, grammarians, bookworms, UXers, designers, developers, and budding Haikuists. Can you do this?
Do not tell me I
Am source of your browser woes.
Template validates.
Write a web standards haiku (like that one), and post it on Twitter with the hashtag
#bbd4 between now and November 30th—which happens to be the fourth international Blue Beanie Day in support of Web Standards.
Winning haikus will receive free books from Peachpit/New Riders ("Voices That Matter") and A Book Apart.
Ethan Marcotte, co-author of Designing With Web Standards 3rd Edition and I will determine the winners.
Enter as many haikus as you like. Sorry, only one winning entry per person. Now get out there and haiku your heart out!
See you on Blue Beanie Day.
P.S. An ePub version of Designing With Web Standards 3rd Edition is coming soon to a virtual bookstore near you. Watch this space.
Filed under: Blue Beanie Day, books, Browsers, creativity, CSS, CSS3, Design, Designers, DOM, DWWS, E-Books, editorial, Happy Cog™, HTML, HTML5, Ideas, industry, tweets, twitter, Voting, W3C, Web Design, Web Design History, Web Standards, webtype, XHTML, Zeldman
17 Responses to "Blue Beanie Day Haiku Contest – Win Prizes from Peachpit and A Book Apart"
Ryan Swarts said on 15 November 2010 at 11:41 am:
Awesome. Gotta work on this. Reminds me, too, I should start getting ready to update my avatar and my blog for the 30th. Standards for life! Ha.
fcalderan said on 17 November 2010 at 9:15 am:
how do you count syllables on your haiku?? :)
it should be 5/7/5, yours it seems much like 5/8/7
George Badarau said on 20 November 2010 at 8:00 am:
before me
with a lantern in hand
a snowman
George Badarau
Keith A. Simmonds said on 20 November 2010 at 5:09 pm:
to design with taste
is to aim at high standards
for the world wide web
Simon Cox said on 29 November 2010 at 8:00 pm:
A blue beanie hat
Auter, Speaker, standardista
A cat in a hat
Ricardo Zea said on 29 November 2010 at 9:31 pm:
I don't use Twitter and I barely log in my Facebook account, and no, I don't have a blog either.
Have you guys ever thought of Web Designers that are not into social media… yet support 110% web standards?
How are we supposed to have a chance to win, if any?
PS. I support web standards 110%… of course.
JJ said on 30 November 2010 at 7:53 am:
Ricardo — you just described the display:none of Web ID. Take a more relative position and stop blocking if you want to be classy. A sense of whimsy is !important.
Mike Metcalf said on 30 November 2010 at 1:22 pm:
Blue beanies, berets,
And bowlers bestowed bravely.
Beautiful browsers.
Mike Metcalf said on 30 November 2010 at 3:02 pm:
Shared on Twitter (@mikemetcalf)
Blue beanies, berets,
And bowlers bestowed bravely.
Beautiful browsers.
Theo said on 30 November 2010 at 3:57 pm:
The standards are high
don't bake bread and cry
just follow the sky
Ricardo Zea said on 30 November 2010 at 10:46 pm:
Ok, here goes nothing:
"Site looks broken"
Standards out the window…
Upgrade without the cost of a single token.
John said on 3 December 2010 at 12:40 pm:
End obsolescence
One size does not fit all web
Smile! Build with standards
John said on 3 December 2010 at 12:48 pm:
one more…
Embrace acronyms
John said on 3 December 2010 at 1:07 pm:
Forgot the hashtag
Not a twitter kind of guy
Back to drawing board
DA said on 13 December 2010 at 3:20 pm:
Which haikus won!? I entered like 30 of my best (I'm awesome at haikus) so I want to see what was better than mine :)
James McNally said on 14 December 2010 at 11:41 am:
Can I lay claim to the original idea for web standards haiku contests? I remember giving away your book many years ago in a similar contest. Here were the winners: http://www.consolationchamps.com/2001/06/25/zeldman-haiku-contest-winner/
Comments off.


text:
15 Darned-Good Reasons to Stop "Getting Dressed"
It's just about that time of year when it gets cold and nasty, and on those days we don't have to be anywhere special, we're apt to lounge in these cozy basics. Is it the weekend yet?
By Ava Feuer
Back Next
Courtesy of the Company
Sit back and relax
Pretty much the only evidence we need of why workout clothes have become appropriate to wear all day. Racerback Tee in Amethyst, $25; Cory Vines.


text:
I would say this trip took almost 8 years in the making. From my first dive trip in Tenggol back in 2004, I've been invited to numerous International Dive trips but every single time I would have hurdles or obstacles. Finally, my inaugural International Dive to the beautiful Anilao, Phillipines
The first thing you noticed upon landing is the country's driving law. Is on the wrong side and crossing streets became an extreme sports. As a Commonwealth country, Malaysia drivers although deemed notorious by many, drives on the left side of the road thus naturally crossing streets, we tend to look right first. Here in Manila, looking that direction can get you killed.
Manila or Phillipines in general is a very poor country. Like in India, the rich is filthy leaving the poor dirt. These English speaking folks are nonetheless friendly though.
Enough about Manila or the people as this isn't UNICEF trip. Is my first International waters !!. We stayed in Balai Resort, Anilao and is about 2 hours from Manila (like driving to Dungun from KL). Water is clear as the blue skies it's reflecting, Calm and ready.
Each day as the Sun descend, we are rewarded with a majestic sample of God's talent in painting. Every Sunset is a gentle reminder we are on a holiday and we should enjoy every single day as thou is our last, and so we did.
What's holiday without good companionship, fortunately this trip we had 18 Finest. Mixture of mild nuts to chronic insanity, all here with me in Anilao.
Throughout the entire trip, after diving (during surface interval) is an opportunity to get a Tan. Edvin, Angel and Colin totally took Sun Tanning to a new Level with arrays of position and duration. Probably in their past lives, they were cave dwellers with no access to the sun.
Like all fun things, we just need to add alcohol. Wait 15 mins for our inner child to wake. Then the rest of the evening is all in dreamy state with multiple memory editing.
What's a holiday without trying indigenous cuisine which in Manila is BALUT.
A balut is a fertilizedduckembryo that is boiled and eaten in the shell. Popularly believed to be an aphrodisiac and considered a high-protein, hearty snack, balut are mostly sold by street vendors. It is commonly sold as streetfood in the Philippines.
I've no problem trying new things, liking it is another story but surprisingly Balut, is fantastic beer snack. To me the Soup (inside the shell) is tasty, the embryo is crunchy, slight soft bones, no feathers and taste like Chicken. I had Two, and Colin cried fowl.
The aftermath of what Tanduay can do to you, we had Colin & Derek suddenly in High pitched Mandarin singing "anilao" national anthem "Boom Cha cha, Boom Cha cha", We have Elle and Angel doing Dangut, speaking in Angel's Version of INDON. We have a Pole Dancer, courtesy of Jacz.
In a nutshell how was Anilao? Every country will have something to good to offer, within that offers, you can find unpolished diamonds scattered. It is up to you, as a tourist to pick up that rock and decide if you wanted a Diamond or a rock. Anilao to me was truly fascinating, it doesn't have much to offer on land, but underneath the lucid calm sea, that's when the surrealism of Underwater splendor begins…..in HD
This would be in Part 2….if i have the effing time to write


text:
42 U.S. Code § 280c–1 - Limitation on duration of grant and requirement of matching funds
(a) Limitation on duration of grant
(b) Requirement of matching funds
(A) For the first year of payments to a State from a grant under section 280c (a) of this title, the Secretary may not make such payments in an amount exceeding 75 percent of the costs of services to be provided by the State pursuant to such section.
(B) For the second year of such payments to a State, the Secretary may not make such payments in an amount exceeding 65 percent of the costs of such services.
(2) The Secretary may not make a grant under section 280c (a) of this title to a State unless the State agrees to make available, directly or through donations from public or private entities, non-Federal contributions toward the costs of services to be provided pursuant to such section in an amount equal to—
(A) for the first year of payments to the State from the grant, not less than $25 (in cash or in kind under subsection (c) of this section) for each $75 of Federal funds provided in the grant;
(B) for the second year of such payments to the State, not less than $35 (in cash or in kind under subsection (c) of this section) for each $65 of such Federal funds; and
(c) Determination of amount of non-Federal contribution
Non-Federal contributions required in subsection (b) of this section may be in cash or in kind, fairly evaluated, including plant, equipment, or services. Amounts provided by the Federal Government, or services assisted or subsidized to any significant extent by the Federal Government, may not be included in determining the amount of such non-Federal contributions.
Source(July 1, 1944, ch. 373, title III, § 396, as added Pub. L. 100–175, title VI, § 602,Nov. 29, 1987, 101 Stat. 979.)
Prior Provisions
A prior section 396 of act July 1, 1944, ch. 373, title III, formerly § 398, as added Oct. 22, 1965, Pub. L. 89–291, § 2, 79 Stat. 1065; renumbered § 397 and amended Mar. 13, 1970, Pub. L. 91–212, §§ 2(f), 7, 10 (c)(3), (d)(2)(A), 84 Stat. 63, 65, 67; June 18, 1973, Pub. L. 93–45, title I, § 107(e), 87 Stat. 92; renumbered § 396 and amended July 23, 1974, Pub. L. 93–353, title II, §§ 202(e), (f), 203 (d), 204, 88 Stat. 372, 373, which related to grants for establishment of regional medical libraries, was classified to section 280b–8 of this title, prior to repeal by Pub. L. 99–158, § 3(b),Nov. 20, 1985, 99 Stat. 879.
The table below lists the classification updates, since Jan. 3, 2012, for this section. Updates to a broader range of sections may be found at the update page for containing chapter, title, etc.
The most recent Classification Table update that we have noticed was Tuesday, August 13, 2013
An empty table indicates that we see no relevant changes listed in the classification tables. If you suspect that our system may be missing something, please double-check with the Office of the Law Revision Counsel.
|Description of Change
|Session Year
|Public Law
|Statutes at Large
LII has no control over and does not endorse any external Internet site that contains links to or references LII.


text:
Credits & Info
- Uploaded
- Aug 11, 2004 | 11:32 PM EDT
Related Stuff
If you liked this, check these out!
Plenty more like this here!
Author Comments
Not much to say, really... Alex goes on a rampage in the River City warehouse and hurts a lot of people really bad. Sounds like a rampage to me.
Wow, guys, thanks for all the great reviews and (usually) constructive criticism! I'm in the process of making another one right now, and I'm taking into consideration all of the reviews I've read so far, and will be checking back for more. If you want to officially issue a suggestion to me, drop an idea down in our forums on the website (posted in my profile). Thanks again for all your support!
Rated 5 / 5 stars February 24, 2006
great but...
need blood and too short!!! BUT, it is great
Rated 5 / 5 stars April 18, 2006
god i love olld skool!
Damn dude, ur like rebaz, master of old skool flash!
I love RcR and now u show me tis, damn, i freaking happy!
Final word. he one of the old skool master, respect him!
Ok, because of this particular review, I went and checked out rebaz's stuff. I must say, that shit is absolutely ridiculous. I loved every second of it :-)
Rated 5 / 5 stars February 25, 2008
Really nice. You should create a full version of the song so we can download it. An maybe create an interpreted soundtrack using the same style on the background music for this flash.
Rated 5 / 5 stars September 20, 2010
I just see the second version!!!!
wow you make the first one on 2004, and make the sequel on 2010, cool!!!
Im waiting for the third !!!!
Rated 5 / 5 stars July 26, 2010
Loved it
No complaints from me love watchin this and would love to play a game like this keep up the good work.


text:
Ternitz is a town in the district of Neunkirchen in the Austrian state of Lower Austria. Situated at the confluence of the Sierning stream and the River Schwarza, at the western end of the Steinfeld plain, it is a fairly large town by population (2004 estimates place it at 15,158), especially by Austrian standards, yet it covers an area more than half the size of Washington, D.C. In it are several villages, called Katastralgemeinden, that are about the size of US towns: Dunkelstein, Flatz, Mahrersdorf, Raglitz, Rohrbach am Steinfelde, St. Johann am Steinfelde, Sieding, Holzweg, Pottschach, and Putzmannsdorf.
Ternitz's first documented mention was in 1352 and has town status since 1948. It is traditionally known as an industrial town, being home of the Schoeller-Bleckmann company, which was split up into 19 separate companies in 1989. Today Ternitz is still a busy town with 138 companies and 6383 employees.


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Burung Garuda : Logo of 2011 Indonesia SEA Games
To host the SEA Games in 2011 has the meaning of hard work for Indonesia. Many things must be prepared to pick up the success Games of these Southeast Asian countries.
In addition to selecting beautiful date 11 November 2011 or 11/11/11 to set as the day of opening ceremonies, Indonesia SEA Games Organizing Committee (Inasoc) also prepared a variety of efforts for the SEA Games to be memorable especially for Indonesia and all participating countries. One of the impressions building efforts is done by specifying a logo that depicts Eagle with the philosophy of "Garuda Flight above Indonesia Nature". As a symbol of the country, Garuda in the global sphere is well known and directly associated with Indonesia.
Garuda logo was officially introduced January 15, 2011 at the kick off event, 300 Days toward the SEA Games in Tanah Airku Theatre, Taman Mini Indonesia Indah, Jakarta. Physically, the Garuda symbolizes the power and its flaps wings represent the grandeur or glory.
In the logo, the head was given the red streaks symbolizing courage, fighting spirit, the spirit of play which also reflects the nationalism. The green streaks shaped mountain symbolizing Indonesia Nature Mountains and streaks of blue wave symbolizing the ocean archipelago.
The concept, is about the mighty Garuda as a guidance and as a protective figure, flying high above the Earth Mother which is rich in natural resources of forest, mountain, and maritime.
This spirit seems able to inspire athletes of Indonesia, from Sabang to Merauke. Proud of their own country and compete in sportsmanship with friendly countries.
Eleven small orange circles that resembles the petals form of a large circle is a representation of the 11 participating countries.
Modo Modi : Mascot of 2011 Indonesia SEA Games
Komodo Lizards have been living in the Eastern parts of the Indonesian archipelago for millions of years. Yet, humans only noticed their existence about a century ago.
Capable of reaching sizes of up to three meters and weighing 130 kilograms, the komodo is the largest existing lizard today. Apart from their gigantic size, the komodo lizard is recognizable by its flat-shaped head; round nose; rough skin; large, bent feet; and a long but burly tail.
So far the Komodo population has been somewhat stable, with numbers reaching 3.000 to 5.000 on Komodo Island, Gila Motang, Rinca, and Flores. Unfortunately, as females are experiencing troubles in incubating their eggs, and due to smuggling, human-related distortions, and various natural disasters, the lizzards are on the brink of exitinction.
It is because of their decreasing numbers, and because komodos are a source of national pride, Modo and Modi, the SEA Games 2011 mascots were created. As the SEA Games mascots, Modo and Modi are depicted as hard working, fair, gentle, friendly, and very good-spirited. All these positive characters represent Indonesia's heart and soul, and is expected to be the foundation for building a harmonious relationship and cooperation with other SEA Games participating countries.