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As new enforcement director at the Securities and Exchange Commission, Robert Khuzami doesn't have the vast investigative powers he had as a federal prosecutor in New York. What he does have is a mandate to restore the reputation of an agency whose image as a force against financial crime has been tarnished by the Bernard...
WASHINGTON — As a federal prosecutor in New York, Robert Khuzami had vast powers to use against white-collar criminals and terrorists. He could wiretap suspects, send FBI agents to their homes and threaten them with decades behind bars. "Those tools are devastating," he said in an interview.
As the new enforcement director at the Securities and Exchange Commission, he doesn't have those powers.
What he does have is a mandate to restore the reputation of an agency whose image as a force against financial crime has been tarnished by the Bernard Madoff fraud.
While working within the SEC's legal limits, Khuzami, 52, is likely to borrow from his prosecutor's past. With 700 lawyers at his disposal, he is charged with investigating violations of securities laws and frauds at the nation's public companies and financial firms.
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The enforcement team can investigate financial crimes, file civil lawsuits, reclaim stolen funds and assign penalties with the approval of the agency's five commissioners, who are nominated by the president. But Khuzami, who started the job last month, may seek to shake up the division, changing how it operates and putting "more arrows in the SEC quiver," he said.
"We'll distinguish ourselves in the future by being fast and furious," Khuzami said. "And to do that means examining our process and procedures top to bottom, to be as nimble and thorough as we can."
He isn't ready to fully reveal his playbook yet. But one of the ideas being considered is jettisoning the enforcement division's internal organization, which is largely haphazard, for a model like the one used by U.S. attorneys in which specialized groups of lawyers work on cases of similar nature. The SEC also might consider paying whistle-blowers for a wide range of information (it can only do so now for insider trading) and pressing for access to information usually reserved for criminal prosecutors, such as grand-jury testimony.
In the interview, Khuzami pledged to bring cases in a timely fashion, and said he wants the SEC to become more of a deterrent to financial crime, noting there are too many white-collar criminals who "feel emboldened to resist, litigate or attempt to hold out for a better deal" with the agency.
Khuzami joins the SEC at a tough time for the agency, with many people inside and outside the SEC accusing it of not moving aggressively enough against financial crime. The Madoff case was a major embarrassment for the agency. Khuzami declined to address the case, except to say that "we should learn from the criticism."
Meanwhile, state attorney generals including Andrew Cuomo in New York have been quick to steal the agency's thunder, loudly announcing subpoenas or threatening the barons of Wall Street.
"The process in the last couple of years has seemed to slow down when the SEC was under a prior administration. I wouldn't expect that to continue with the change of administration," said Wayne Carlin, a former head of the SEC's New York office who worked closely with Khuzami. "What I would expect him to bring to the job is a real talent for being able to zero in on what's really important."
The newly appointed chairman of the SEC, Mary Schapiro, went looking for a federal prosecutor to serve as enforcement chief even before she had been confirmed by the Senate. But Khuzami — who previously led the prominent white-collar-crime unit at the U.S. attorneys office in the Southern District of New York — was in some ways an unlikely choice.
Rochester, N.Y.-born Khuzami is the son of two professional ballroom dancers. His sister is a muralist, and his brother is a drummer for Greek and Middle Eastern bands. He quips, "My parents look at me, their lawyer son, and shake their head, and say, 'Where did we go wrong?' "
Though serving in the Obama administration, Khuzami is a Republican. He spoke at the 2004 GOP convention and was on President Bush's shortlist to head the U.S. Attorneys Office in the Southern District of New York.
To join the SEC he left a plush job as a top lawyer for Deutsche Bank, which he held since 2002.
Some commentators have expressed concern about lawyers routinely moving between the SEC and private practice, but Khuzami dismisses such criticism. "I reject it unconditionally," he said. "I left the kind of job one would hope to get after being a regulator in order to take this job."
Khuzami started as an assistant U.S. attorney in 1990 after graduating from Boston University School of Law and spending a few years in private practice.
In what would become the landmark case of his career, Khuzami successfully prosecuted 10 defendants, including the infamous "blind sheik" Omar Ahmed Ali Abdel Rahman, for bombing the World Trade Center in 1993 and planning attacks on other targets.
As part of the case, Khuzami would go to hotels to visit terrorists-turned-government informants. He and other prosecutors would get letters threatening their lives.
Not long after that case, Khuzami went to work in the white-collar unit in the Southern District of New York, becoming its chief in 1999.
While pursuing financial-crime cases, he encountered turf wars involving the New York attorney general, SEC and the Manhattan and Brooklyn district attorneys.
He helped organized a group representing the different jurisdictions to better handle cases. "We carved up cases, defendants and cooperating witnesses," he recalled.
In one notable case, the U.S. attorney and SEC swept up more than 120 defendants in an undercover sting operation on securities fraud and other charges, the largest simultaneous arrest in Justice Department history.
The case nabbed members of all five New York mafia families. Later he prosecuted the largest Ponzi scheme of its time. Throughout it all, Khuzami said he came to rely often on the SEC's expertise.
"You're going to have a difficult time separating fact from fiction if you don't know the markets you're investigating," he said.


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May 24, 2016
Patterson is one of 50 schools across the country taking part in the NASA Explorer Schools Program. The director of the Kennedy Space Center, James Kennedy, along with astronaut Sam Durrance, spent the day at Patterson talking space.
Kennedy says getting kids interested in space at a young age is key.
"Once they hit the late teen years, it's too late to turn their interest towards technology subjects that we need. We need people to invest an interest in math and science and technology, engineering because that's going to be required to execute the vision of exploration that we now have," said Kennedy.
Other schools in the NASA Explorer Schools Program in Florida are Carol City Elementary School in Opa Locka, Steward Magnet Middle School in Tampa and Howard W. Bishop Middle School in Gainesville.
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subset: commoncrawl


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Ascom Network Testing is recognized in the wireless industry as the leading proponent and supplier of QoE (Quality of Experience) evaluation metrics and measurements implementation in drive testing tools.
For more than a decade, members of the Ascom Network Testing team have authored and co-authored wireless standards and white papers on QoE speech quality evaluation. This experience has been enriched in recent years with video and multimedia expertise. Team members also engage in speaking engagements at industry trade shows and technical conferences.


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Antonio Dontral Banks
Position: DB
Height: 5-10 Weight: 203 lbs.
Born: March 12, 1973 in Ivor, VA
High School: Warwick
College: Virginia Tech (school history)
Drafted by the Minnesota Vikings in the 4th round (113th overall) of the 1997 NFL Draft.
Weighted Career AV (100-95-...): 1 (13070th overall since 1950)
Output includes all games from 1920 to 2015.


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I am looking for resources that describe, in detail, the design decisions involved in game engine architecture. I am especially looking for analysis of the pros and cons of different design decisions at the lowest levels of the engine. The ideal resource, for example, might compare an inheritance-based object hierarchy to a flat, component-based object hierarchy. Or it might compare an in-engine editor with a separate editor tool.
What I am not looking for is a tutorial on how to implement any particular decision -- I would rather have a resource that discusses why to implement a decision.
Are there any blogs or books out there that offer this kind of insight into the game engine design process?


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Images: UCT 2 fleet mooring buoy inspection [Image 1 of 3]
Courtesy Photo
Informatin Systems Technician 2nd Class Gabriel Puerta and Builder 2nd Class Charles Runyon, assigned to Underwater Construction Team 2, measure the free board of a fleet mooring buoy at Joint Base Pearl Harbor Hickam. Seabee divers from UCT 2's Construction Dive Detachment Bravo are at JBPHH inspecting and repairing more than 100 fleet mooring buoys during their second of three stops across the Pacific during their six-month deployment. (Photo by Steel Worker 2nd Class Metro Sayre)
This work, UCT 2 fleet mooring buoy inspection [Image 1 of 3], is free of known copyright restrictions under U.S. copyright law.
Date Taken:09.10.2013
Date Posted:09.20.2013 11:47
Photo ID:1022315
Size:2.07 MB
Location:PEARL HARBOR, HI, US


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The UW guard has always been known as a great shooter, but this year he's found ways to score even when his shot isn't falling.
No one ever doubted C.J. Wilcox's ability to shoot.
Ever since redshirting his freshman year, the 6-foot-5 guard from Pleasant Grove, Utah, has been considered the best shooter on Washington teams that produced four NBA players.
However, every other facet of his game came into question.
Can he score inside? Can he dribble? Get to the free-throw line? Create shots for teammates and make the assist? Rebound? Play defense? Be a leader? Stay healthy?
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Six games into his junior season, Wilcox hasn't answered all of those questions, but he's silenced a few critics and gained several admirers.
"He's a stud," Cal State Fullerton coach Andy Newman said. "You can't leave him for a second. He can shoot it. He can penetrate (and) go by you. He's got great length. He scores a lot of different ways, and he's got the mentality to score."
Fullerton's game plan for Sunday's 4 p.m. game at Washington (3-3) will start by emphasizing rebounding. The Titans (3-3) don't start anyone taller than 6 feet 6, and they're horrendous on the glass.
The next concern is slowing down Wilcox, whom Newman described as "exceptionally rare."
"We just don't see many guys like that," Newman said. "You'll get prolific scorers like that at our level — at the mid-range level — but they're usually just one-dimensional. They either can only penetrate and they can't shoot it, or they can only shoot it and can't penetrate it. … He's showing he can do it all. So it really makes it hard on a coach to help our guys in how to defend him."
Wilcox's scoring average (19.5), field-goal percentage (52.3), three-point field-goal percentage (45.5), rebounding average (3.7) and minutes per game (35.7) are all up from last season.
Before Saturday, he ranked third in the Pac-12 and 41st in the country in points per game.
Despite the fast start in what seems to be a breakout season, there's still one question that will hound Wilcox all season like a dogged defender.
Will he be consistent?
That question is particularly significant after the past two games when Wilcox had his best scoring performances as a Husky.
He had a career-high 28 points against Colorado State last week in what was practically a one-man show for Washington, which lost 73-55. Wilcox accounted for 51 percent of UW's points while connecting on 11 of 25 shots in 37 minutes.
On Tuesday, Wilcox was even better in leading the Huskies to a 66-61 win over Saint Louis.
He converted on 11 of 13 field goals and 1 of 2 free throws for 27 points in 37 minutes.
"I just take it upon myself to be aggressive," Wilcox said. "(It) was just one of those nights where my shot was just falling."
Wilcox is on pace to shatter Washington's all-time three-point record if he returns for his senior year, but even the best shooters have a tendency to suffer through slumps.
However, Wilcox is maturing this season by finding ways to score when his outside shot isn't falling.
Entering the year, 56 percent of his field goals came from behind the three-point arc, and 61 percent of his attempts were three-pointers.
Wilcox has relied less on the long ball this season. Three-pointers account for just 32 percent of his field goals and 38 percent of his attempts.
He's also drawing more fouls than ever before. Last season, Wilcox attempted 93 free throws, making 84 percent of them. This season he's on pace for 180 free-throw attempts, and he's making 83.3 percent.
Albeit in a relatively small sample size, Wilcox has proven to be consistent. He's scored in double figures in every game, tallied at least 22 points in three games and led Washington in scoring four times.
And Wilcox, who missed three games last season to injury, appears to be durable. He had arguably his best game as a Husky on Tuesday despite a sore back.
"We know all about scorers," said Newman, whose Titans were second in the nation with an 88.5 points-per-game average before Saturday's games.
"But Wilcox, he's something special."
Percy Allen: 206-464-2278 or email@example.com.


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VERGENNES — At the Vergennes City Council meeting last Tuesday, Jan. 29, aldermen made a decision on a future police station proposal and talked with Vermont Gas Systems about its plan to bring natural gas to the city.
In other business, aldermen:
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text: My wife and I split the prime rib and even with the 10.00 extra plate fee it was excellent value.At our favorite place here in california the meal would have been twice the price The prime rib was at least 22-24 and very very tender. The potatoe must have been the largest I have ever seen and was perfect. The only bad comment is the beer selection was not large enough (no George Killians). For a casual steak dinner it is a great place. Next time we are in Vega's it is on our list.


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Taking a break.
on October 7, 2013 at 6:00 am
Posted In: Blog
Yes, real life is starting to get in the way here over at Über Comics.
I am working on an indie video game right now and need to concentrate on cranking out some art assets for that as we get closer and closer to release.
Plus I REALLY need to find a job to pay my freakin' bills!
So I'm sorry, but new comics will be back in three or four weeks. Have a Happy October!


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See All Contributors »
just kidding... DELETE! go cyclones!
Last edited by CY9008; 03-09-2011 at 09:59 AM.
Not sure what you are talking about sir...
Originally Posted by CY9008
just wondering if this is a typo or if the Big 12 actually did something to help us cyclones!
1:30 was the scheduled time all along. Men are at 2:00. How does that help?
I think you misread that. We have the 1:30 game.
haha woops thought it looked like our game was at 5! sorry everybody!
Originally Posted by CY9008
haha woops thought it looked like our game was at 5! sorry everybody!
Yeah, the way the text formatted I could see how a misread would happen.
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Am I Overweight For My Height?When a child progresses from childhood to adolescence, he/she undergoes a lot of physical changes. These physical changes can be attributed to puberty, which causes a spike in the level of sex hormones. During this phase, it is normal for the child to experience sudden increase in height or weight. Often, these drastic and abrupt spurts in weight or height due to puberty leave the person feeling apprehensive about their own body. While weight and height gain is normal during puberty, two people of same age and height might not have the same weight.
Further, feeling fat or considerably thin is not limited to adolescents. Anyone, at any point in their lives, may begin to question their body weight. Different lifestyles and eating habit affect people differently, and so often, the question that arises in the minds of many people is am I overweight for my height? So how do you know if you're overweight? The only right way to know whether or not you are overweight is by measuring your body mass index, or BMI. Body Mass Index Chart or bmi chart is typically used by professionals to give you a quick indication of your body weight status.
How to tell if you're overweight?
If you don't know how to tell if you're overweight, you're not the only one. However, the only right way to determine whether or not you are overweight is to measure your BMI. A person's BMI is a formula based number that takes into account your height and weight, and provides you with the amount of fat you have in your body. Once you know your BMI, you need to figure out what that number means. Essentially, the BMI is plotted on a graph of percentile lines. What this does is compare your BMI with that of other people of same age and gender. Depending on your height, age and gender, you are required to be of a certain weight, and this is indicated by the BMI. If your BMI is above the normal range for you age and gender, you're overweight. Similarly, if it is less than that, you are underweight. Also, if your BMI is considerably over the normal range, you are obese.
Thus, your BMI is the only way you can genuinely determine whether or not you are overweight. There are many BMI calculators available online. If you're still confused about how to tell if you're overweight, you should speak with a doctor or nutritionist who can better explain to you the concept of BMI.
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Operation: Endgame
Operation: Endgame is one of those movies that by the end of the day youll forget that you even watched. Not because its particularly bad, but because its so astoundingly mediocre that it can hardly be considered a movie. Sure, there are a few lines that earn a laugh and a few mildly entertaining scenes, but for the most part this direct-to-DVD actioner is so devoid of filmic nutrition that youll wonder just how it got made in the first place.
The Movie:
Alpha and Omega are two assassination squads that exist in kind of a checks-and-balances system to one another, and for whatever reason they work out of the same underground lair. Both teams are supervised by The Devil (Jeffrey Tambor) until someone mysteriously kills him and activates Operation: Endgame, a system which locks down their subterranean office and starts a two-hour timer, at the end of which fiery waves of napalm will obliterate any evidence the teams ever existed. The teams need to band together to find their way out of the death trap before the timer hits zero.
Where this film suffers most is in its complete inability to make the viewer give a shit about it. There are so many characters that you can scarcely pick a favorite, and even if you can the chances of him or her being alive for more than three minutes are slim to nil. The story mutates from whats listed above into nothing but the rival teams trying to kill each other, only making you care a little bit because it means that eventually everyone will be dead and the movie will have to end. Similarly, the Endgame timer starts at 1:40:00 and moves faster than real time until it hits about the 10-minute mark, which constantly lets you know that youre just that much closer to the end of the movie.
As funny as the trailer makes the characters seem, they all turn out to be irredeemably bland. Rob Corddry shows flare in the swearing department, but that turns out to be his only purpose. Ving Rhames as Judgement is the show stealer, but as mentioned only lasts about 20 minutes. Even worse, because there are so many characters, he actually only gets a cumulative minute or two of screen time, during which he does pronounce to Emilie de Ravin, Im nine inches.....uncut. Probably the best line in the movie. De Ravins character is a shockingly bad Sookie Stackhouse clone, and Ellen Barkins slutty Alpha Leader exists purely to spout cringe-inducing lines about pussy and participate in sloppy, fumbly fight scenes.
The films one strong suit, however, is its creative deaths, paired with a surprisingly solid makeup team. Seeing someone stabbed in the neck with a staple remover is refreshing compared to the rest of the watered-down film, especially when coupled with the brutal-looking wound left behind. The only downside to this is that the young director makes sure to get a close-up shot EVERY SINGLE TIME something like this happens, which combines with the student-film post-production work to give the whole thing an amateurish feel, and not in a good, Cloverfield sort of way.
There are certainly worse movies than Operation: Endgame, some of them with bigger budgets and better teams behind them, but the sheer number of characters and the contrived nature of almost all of the dialogue bog this film down so hard that youll be checking your watch every few seconds, wondering how it is that time can pass so slowly. If youre looking for something entertaining on a Saturday night, dont grab Operation: Endgame from your local Red Box. Its not worth your time.
The Disc:
Theres not a lot to say about the special features attached to Operation: Endgame, simply because all of them together add up to roughly 10 minutes of completely useless mess. Youll be confronted by a so-called Behind the Scenes feature, which is nothing more than a montage of footage that technically was shot behind the scenes, but which gives no insight into the film as theres not even one interview to compliment the way-too-long collage of the director pointing at things and talking to actors.
All thats left after that is an alternate opening and an alternate ending. While the alternate opening is three minutes of material mercifully chopped from the film, the alternate ending isnt really an alternate anything. It simply adds about 10 seconds of scrambled footage from the Obama inauguration.
Everything about this film is as unnecessary as actually watching it. If youve seen literally every other movie thats ever been made, then sure, pick up Operation: Endgame. But all youll get out of it is one or two memorable quotes and a bad case of the oh-my-god-why-wont-this-ends. A last-resort film at its finest.
Reviewed By: Will LeBlanc
Release Details


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Famous quotes containing the words battle, generation, war, win, find, rare, source and/or learn:
"Whose kiss
stings and stills;
your kiss was stale, satiate and pale
beside his,
who commands battles,
who kills
when the battle delays."
—Hilda Doolittle (18861961)
"Generation after generation of women have pledged to raise their daughters differently, only to find that their daughters grow up and fervently pledge the same thing."
—Elizabeth Debold (20th century)
"It takes twenty years or more of peace to make a man; it takes only twenty seconds of war to destroy him."
—Baudouin I (b. 1930)
"And whats he then that says I play the villain,
When this advice is free I give, and honest,
Probal to thinking, and indeed the course
To win the Moor again?"
—William Shakespeare (15641616)
"The worst of my actions or conditions seem not so ugly unto me as I find it both ugly and base not to dare to avouch for them."
—Michel de Montaigne (15331592)
"Only what is rare is valuable.
Let no one dare to call another mad who is not himself willing to rank in the same class for every perversion and fault of judgment. Let no one dare aid in punishing another as criminal who is not willing to suffer the penalty due to his own offenses."
—Margaret Fuller (18101850)
"Knowledge is the most democratic source of power."
—Alvin Toffler (b. 1928)
"Our first line of defense in raising children with values is modeling good behavior ourselves. This is critical. How will our kids learn tolerance for others if our hearts are filled with hate? Learn compassion if we are indifferent? Perceive academics as important if soccer practice is a higher priority than homework?"
—Fred G. Gosman (20th century)


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Higher One Blog (48)
Setting Goals!Written by Mary Johnson
As our financial literacy blog series comes to an end, we'd like to give a big thank you to all of those who have joined us each week to promote financial education on college campuses. For our last post, we'd like to talk about goal setting, topic ideas, and best practices. Financial literacy is a broad theme and can include anything from basic banking to car loans to renter's insurance. Determining which topic to tackle can depend on the needs of your students and the goals set for your specific financial literacy efforts. Lastly, we will discuss a few commonalities that have helped define successful financial literacy programs across the country.
Starting any project requires the identification of SMART (Specific, Measurable, Attainable, Realistic and Timely) goals. In effect, the goals set for your program should be clear and realistic, and in tune with a defined vision/mission from start to end. If your goal is to help students better understand the financial aid process, a SMART goal might be to increase the number of student FAFSA filings by 30% for the 2016-2017 school year. To reach this goal, the financial literacy program will need to focus on helping students complete their application in full and on time, and understand their financial aid package once received. It may also be helpful to emphasize the difference between grants and loans, and the other various aid sources such as instutional aid, private grants and scholarships, and work-study.
With a clear goal in mind, you are able to move forward in choosing a targeted topic and strategy. A competency goal can include increasing basic money management skills with a program that tackles topics such as budgeting, debt avoidance, earnings, savings, and investing. An identity protection goal would call for learning how to safeguard personal information and identifying documents. The school can also have a benchmark goal such as reducing account receivables or the amount of student loans borrowed. General topics beneficial to any financial literacy program can include: banking, credit scores, credit cards, insurance, retirement, saving, and economics.
Promotion, Resources and Swag!Written by Mary Johnson
Thank you for joining us for the third installment of our financial literacy blog series. Now that we've covered peer mentoring, opportunities on campus, and delivery methods, let's discuss how to reach students through promotion, resources, and swag. Without a dedicated communication and marketing plan, your financial literacy efforts may be all for naught when you realize so few students knew that your event was going on. Don't be afraid to think outside the box when it comes to resources and people on/off-campus that can help promote financial literacy. And of course, the word "free" resonates with many students so remember to have swag and freebies to encourage attendance.
Effective promotion begins with early contact through platforms that are relevant to your audience. Facebook, Twitter, and Instagram are great ways to reach students, but you must use each strategically. Facebook is useful for notifying students of financial literacy programs and upcoming events. Creating a Facebook event page and asking students to RSVP can help give an idea about attendance. Promote often and early to reach the greatest number of students. Twitter is excellent for during an event and can be used to let students know the event is going on now in the quad, or tomorrow during lunch. Lastly, Instagram is for sharing photo content which can be submitted by students or taken during events by the team. No matter which platform, decide on a hashtag that students can use to share their pictures with the school and one another. For those who may be wondering, a hashtag is a word or phrase preceded by a hash or, as it's also known, a pound sign (#) to identify messages for a specific topic on social media. Don't forget you can always reach students the old fashioned way through email, school newspaper ads, and posters/banners.
Financial Literacy Opportunities and MethodsWritten by Mary Johnson
In the last post, we discussed the benefits of peer mentoring as a vehicle for teaching financial literacy. Here, we'd like to offer additional opportunities and methods to increase financial learning among students. We understand that building a financial literacy program on campus can be a challenge, especially when you're not sure where to start or what to teach. A crucial first step is to survey your student population to discover points of interest or confusion that a financial literacy curriculum could help address. Choosing the best means of disseminating the curriculum can also be difficult. In this article, we'd like to focus on unseen opportunities on campus that could call for various delivery methods to reach a diverse audience.
Whether talking to incoming freshmen or graduating seniors, financial literacy is an important topic that needs to be delivered with the student in mind. Higher One has sponsored programs across the United States and gathered what we consider effective methods of delivery. Workshops, webinars, in-person & online classes, websites, and events/games often have a positive impact on a student's financial learning. Opportunities to take advantage of include welcome week/orientation, tax season, special events, impromptu encounters, or signage. We'll explore each of these in more detail.
Did you know April is Financial Literacy Month?Written by Mary Johnson
April is Financial Literacy month and our staff here at Higher One is excited to share with you a month‑long financial literacy blog series! Each week, we will be highlighting a few strategies colleges around the country have used to facilitate financial literacy education on campus. Today's blog article focuses on peer mentoring as a means to propagate financial learning.
An effective financial literacy-peer mentoring program begins with a commitment from staff, students, and community.
- Staff will need resources to train and prepare mentors on topics such as student loans, credit cards, insurance, retirement/savings, taxes, and building credit. Look to professors from the business department and local professionals who may be willing to give their time to instruct a group of mentors who will in turn teach their peers.
- Students are asked to participate as mentors and/or mentees. Mentors wear many hats, acting as delegators, role models, cheerleaders, policy enforcers, advocates, and friends. Mentees come to communicate concern, ask for advice, listen, learn, grow, set goals, and make decisions to achieve these goals.
- The community can be used as a resource and for support. Members of the public can enable financial literacy by contributing time, space, sponsorship, and/or expertise while also providing encouragement. Additionally, involving the community helps reinforce and broaden the reach of financial literacy within the neighborhood for students, parents, and future generations.
What's the Deal with Digital Wallets?Written by Don Smith
Building upon the CASHNet Foundation: A Message from CEO Marc SheinbaumWritten by Marc Sheinbaum
With a new year ahead and with past achievements to reflect upon, I wanted to take a moment to publicly thank our clients for their partnership and share an update. As you may have heard, we announced the pending sale of our refund disbursements and student account businesses last year. It is a significant move, and we are energized as we head down the path to becoming a dedicated payments business.
We have a strong foundation of employees who have been with CASHNet® since before it became a part of Higher One in 2009, and we've added talented and dedicated individuals to the CASHNet team both organically and via acquisition since then. The commitment from the team helped us grow the number of campuses last year while maintaining a very strong client retention rate. Not content with this performance, the team has begun to work on further changes to the way we support clients and the testing and rollout of product enhancements; two important points of emphasis for us in 2016.
In 2015, we launched a key strategic initiative aimed at creating a more intuitive and empowering user experience and a more streamlined user interface for our administrative users. Early feedback on these improvements has been positive and we look forward to rolling out a revamped eMarket set-up experience for Checkouts and Storefronts. We also began improvements to the user interface for payers by leveraging new technologies to increase choice and remove friction during the checkout process. We're excited to launch these changes for our clients in each of our product releases this year.
A Bright Future for the Higher One Refund Management ServiceWritten by Jay Sidhu
Over the past few months, you may have heard the buzz about the future of Higher One's Refund Management® Disbursement Service. We've been hard at work preparing for a seamless continuation of the service to Customers Bank's BankMobile division following the closing date of the pending acquisition. Efforts are underway to finalize the deal, contingent upon Higher One shareholder approval, and aimed for the second quarter of 2016.
Upon the sale of the business, the Refund Management Service provided by BankMobile will continue to provide an industry-leading service that handles financial aid disbursements on behalf of more than 800 college and university campuses and more than 4 million students nationwide. The entire Higher One Disbursements team will continue on with BankMobile to serve these clients and their students in this next chapter.
Target the Students Who Need the Most SupportWritten by Guest Post
Post By: Melissa Ezarik, Managing Editor, University Business
Sweeping, whole-campus student success initiatives are a growing trend in higher education, as colleges and universities pour resources into efforts designed to help students succeed in the transition to college, throughout the college years, and after graduation. But trending in the student success sphere are programs developed to address the needs of a specific student group.
The honorees of the Models of Excellence awards program, developed by University Business with support from Higher One, are indicative of this trend. Several of the 17 institutions honored for their success initiatives in the Winter 2015 round of Models of Excellence last month are approaching them in a targeted way.
College Goal Sunday – Helping FAFSA Filers NationwideWritten by Guest Post
Post By: Doug Schantz, Director, Office of Student Accounts at Wittenberg University
Most people associate the month of February with Valentine's Day or the Super Bowl. Given my vocation, I tend to think about the FAFSA (Free Application for Federal Student Aid)… and more importantly College Goal Sunday. As the college search process unfolds for millions of college bound students nationwide, it is vitally important to equip these students for success by connecting them with the financial resources that will support their educational endeavors. The FAFSA plays a critical role in college funding and research(1) has proven that high school seniors receiving assistance in filing the FAFSA are eight percent more likely to complete at least two years of college. So, as college administrators, it seems only fitting that we should be encouraging students to engage with the College Goal Sunday initiative and maybe even volunteer to support the cause with our own time and talents.
College Goal Sunday is a program that was founded in 1989 in Indiana with support from the Lilly Foundation and now has a presence across the nation in 40 states. Boasting over 10,000 volunteers, College Goal Sunday helps students and their families overcome the ambiguity associated with filing the FAFSA. While there are a number of resources available on the web to provide guidance with the FAFSA, nothing compares with the direct one-on-one advice and counseling offered through College Goal Sunday.
Moneythink – An Innovative PartnershipWritten by Mary Johnson
Higher One is a proud sponsor of Moneythink, an organization devoted to expanding economic opportunity by helping low-income youth navigate the financial decisions of adulthood. Recognized by President Obama as one of the best new ideas for social innovation, Moneythink envisions a world in which every student enters adulthood equipped with the critical habits, tools, and resources to enable them to make smart financial decisions and get them on the path to prosperity. Co-founder and CEO Ted Gonder was previously a member of the President's Advisory Council on Financial Capability for Young Americans and member of the Forbes 30 Under 30 in Finance list.
Using a 5:1 peer-mentoring model, college students are trained to work with area high school students in an intensive, weekly program that focuses on budgeting, saving, goal setting and other financial skills using a customized curriculum developed by Moneythink. Since its inception in 2009, the program has expanded to 30 college and university chapters across ten states, and has mentored over 10,000 students. These chapters are led by motivated college students who are interested in making a difference in their campus community. They are responsible for recruiting and training of mentors, and working with area high schools. With Higher One's support, the first Connecticut chapter was launched in 2015 at Yale University which is working in the New Haven's Cooperative Arts and Humanities High School.
Looking for a Stress-Free SAQ Season? Check Out Our Guide to Organizing Merchant Accounts!Written by Teresa Chaidez
Do you dread having to determine which SAQ to complete before auditing your merchant accounts? You're not the only one. Our friends at Coalfire want to help institutions like yours, optimize your PCI efforts by categorizing and organizing your merchant accounts.
Download the guide for in-depth tips and best practices.
4 Holiday Tips to Reduce Stress and Shop SmarterWritten by Mary Johnson
If you are a college business or finance administrator, this is an especially busy time of year as you close out the semester and reconcile accounts. Add in the stress of holiday shopping and planning, and it is very easy to get off track with your own finances. Here are a few money wise tips for you (and for you to share with your students) to help keep it "green and serene" over the next few weeks.
Set a budget for your holiday spending
Take stock of what you may have already purchased and set a realistic budget for any remaining gifts you plan to buy between now and the end of the year. Also, don't go shopping without a specific list of what you still need to buy and for whom. If you are already close to your spending limit, look for other affordable ways of giving such as these DIY gift ideas.
Don't wait until the last minute
Making your holiday list early gives you the extra time to comparison shop to make sure you are getting the best deal. Also, most of the popular items tend to sell out early, so if there are a few of these "must have" things on your list, don't procrastinate or you may find yourself frantically scouring multiple shopping venues which is not only stressful, but exhausting.
A Brief History of PaymentsWritten by Teresa Chaidez
It's hard to imagine life without a debit or a credit card. As a former "Charge It On My Card" aficionado, I used to think that plastic was the future! But with current trends in mobile payments, life without the convenience of Venmo or Apple Pay would border on apocalyptic for some Millennials. With mobile payments and digital wallets, ordering at a restaurant or paying back that IOU to your college roommate back in 2005 can be done with a few seconds of screen time. (In case you missed our P2P article, catch it here.) We all appreciate the convenience of not having to frantically sort through old takeout receipts in our back pocket or purse, searching for a checkbook, credit card, or torn up twenty dollar bill pulled from the ATM. By putting our purse strings at our fingertips, the smart phone has become even more indispensable—unless it's drying out in a tub of rice.
New $tart with Change Website Provides Financial Education for Busy College StudentsWritten by Mary Johnson
We are very pleased to announce our new $tart with Change student website—www.startwithchange.com. This new site is devoted to helping students manage their finances more effectively, and replaces our old blog format with a more robust, easy to navigate and fully mobile-enabled platform that will appeal to all college students. The upgrade provides students with a more engaging, interactive experience that includes easy access to timely money management articles, quizzes, calculators and more. The new site reinforces Higher One's commitment to increasing financial capability among all college students. Learn more about our $tart with Change initiative by reading our financial capability position paper.
Higher One Brings Campuses Together at HUGConnect NYWritten by Edward Worrilow
Recently, Higher One hosted its second regional HUGConnect event at the New York Institute of Technology's Old Westbury campus. The event, held at NYIT's stunning de Seversky mansion, provided an absolutely spectacular venue for folks to spend a day connecting with peers from local campuses, engaging in face-to-face conversations about some of the biggest challenges facing the business office in higher education today.
In addition to interacting with business office leaders from other campuses, attendees were able to learn from Higher One executives and key guest speakers that, as one of our attendees put it, were "very dynamic and able to keep everyone engaged with the perfect amount of information and wit"—a true compliment, as wit can be scarce when discussing things like PCI DSS 3.1 certification.
Here's a high-level review of what attendees experienced:
Tips on Training Your StaffWritten by Veky Alarcon
Now that the semester is under way and students have settled into their daily classes and routines, it's the perfect time to reflect on what we have learned from this refund season. Whether you have someone new on board or simply want to refresh your office's knowledge, here are some tips to make training easy, comprehensive and fun.
15 Colleges and Universities Receive Financial Literacy Counts GrantsWritten by Mary Johnson
Higher One is pleased to announce this year's recipients of our Financial Literacy Counts grants. A total of $50,000 has been distributed to 15 schools in the program's fifth year, which saw more than 125 applications from two- and four-year public and private institutions across the country. The program is designed to provide institutions with funding for critical financial literacy awareness campaigns, workshops, online financial literacy tools and other activities and resources that promote financial capability among college students and provide opportunities to increase students' personal financial management skills and abilities. Since its inception, Higher One has awarded more than $250,000 in charitable support.
EMV or No EMV: Reduce Card-Present Fraud NowWritten by Don Smith
Last week, in our blog post "4 Key Questions to Consider in Determining Your Campus's EMV Strategy" we shared some information to help you develop your EMV strategy, as well as the ideal time to implement this initiative.
By now, we hope you have a clearer understanding of the issue, and answers to the questions:
- How many devices will you want to replace?
- How much will it cost to replace these devices?
- What is the total volume of card-present fraud you experience on campus?
- When would it be advantageous to replace devices? (Keep in mind training, peak volumes, etc.
If your school has determined that your exposure to the liability for card-present fraud is too excessive to delay the implementation of EMV, you will likely be one of the early adopters. According to a recent survey by The Strawhecker Group, only 27% of U.S. merchants are expected to be in a position to accept EMV payments by October 1, and only 44% by the end of the year! This is not a bad thing, but you'll want to work closely with your payments software provider and/or your processor to ensure the hardware and software your campus requires is ready. You'll also want to think through additional training for your staff, who will likely have to educate payers on how to use the new EMV cards.
4 Key Questions to Consider in Determining Your Campus's EMV StrategyWritten by Don Smith
Over the past few months we've been using our blog to help keep you informed on the ongoing EMV implementation in the United States, with the hope that it will help you prepare your campus's EMV strategy. While we are not far away from the October 1 liability shift date, don't fret if your campus is not in a position to accept EMV payments by that date. According to a recent survey by The Strawhecker Group, only 27% of U.S. merchants are expected to be able to accept EMV payments by October 1.
As we've said in previous posts, the liability shift is not a mandate, law or regulation. If you don't have the ability to process EMV payments after October 1, you'll still be able to process cards. Having said that, you will be on the hook for any fraudulent transactions if the payer tries to use an EMV card and your business office cannot process it. Remember, the liability shift pertains to EMV transactions. The side that is the weakest assumes liability for the fraud; meaning that if the card is not an EMV card, the issuing bank maintains liability. If the card is an EMV card and the merchant is unable to process that payment, then the merchant accepts liability.
To help you further define your EMV strategy, ask yourself these four questions:
EMV: Behind the CurtainWritten by Don Smith
As merchants and schools alike continue to prepare for the October 1 EMV liability shift date, we've heard many great questions from our campus partners. Because we can appreciate how confusing this can be with all of the information and misinformation in the market, earlier this year we shared some insight regarding EMV and how it relates to the higher education industry in the "What's This About EMV?" blog post. Now, in this three-part EMV series, we will share greater insight about the EMV certification process for service providers, adopting an EMV strategy, and training and getting stakeholders on board.
First, let's take a look behind the curtain. As a quick reminder, EMV's intent is to prevent card-present, point of sale fraud. It does this by leveraging a dynamic data element on a smart chip in the card. EMV cards exist, and have existed for some time, in many other markets around the world.
This technology is finally making its way to the United States, which has one of the more complex payments ecosystems in the world—a fact the card brands (the entities driving the change) recognize and appreciate. As such, they've stopped short of a mandate in order to give people time to make the necessary arrangements to adopt this new technology. Let us emphasize that: THERE IS NO MANDATE. This is one of the most common misconceptions we hear in the market. Merchants think that if they don't have their equipment in place by October 1, they will have to pay fines and/or won't be able to process credit cards. Neither is true. What it does mean is that after October 1, if the merchant cannot process EMV cards, it assumes the liability for fraud, should that transaction be fraudulent.
With no mandate, we'll be operating in a bit of a hybrid environment for the foreseeable future; payers will be using both EMV cards as well as magnetic stripe cards. EMV has been in place in Canada for a dozen years, and today 83% of transactions are EMV.
One of the largest changes for merchants is the hardware required to process an EMV transaction. To this end, we'd like to make sure you understand the difference between hardware that is EMV Ready vs. EMV Certified.
Universities Are Anxious About EMV (But Should They Be?)Written by Teresa Chaidez
At Higher One we want to ensure that we keep up with industry relevant news. To make sure we continue to do that, we have reached out to Payment Week (a resource we often use to get up-to-date news) to collaborate on a few higher education specific pieces. You'll see links to those articles posted here on our blog over the next few months.
The first article is live! Click here to read "Universities Are Anxious About EMV (But Should They Be?)" where we help put EMV into a campus-by-campus perspective by offering a set of questions each institution should consider prior to formulating their campus strategy. By helping campuses think through these questions, you should be able to identify when the right time to make the switch to EMV is for your school.
Moving Beyond Debt Numbers: Understanding Student FinancesWritten by Guest Post
Author: Bryan Ashton, Assistant Director, Ohio State University
The increasing cost of attendance at colleges and universities is well documented, and is often coupled with increases in student loan debt and subsequent default. What has been less explored is how this increased cost affects college students' decisions and their day-to-day financial wellness. The Ohio State University, in conjunction with six partner institutions, has released preliminary findings from a national study on college student financial wellness. The study examines student wellness through the lenses of:
- Personal financial management
- Financial support
- Financial socialization
- Credit cards
- Student loans
- Finance-related stress
- Cost of college
- Academic plans
- Financial knowledge
The survey received responses from 18,795 undergraduate students at 52 institutions (including four-year public, four-year private and two-year public institutions).
5 Tips to Increase Adoption of Your Campus Payment PlansWritten by Robert Garrett
Tuition costs are going up, and paying tuition in one lump sum can place an undue financial burden on families. According to How America Pays for College 2015, a study by Sallie Mae and market research company Ipsos, families spent $24,164 on average for college in the 2014-2015 academic year (including tuition, room and board and transportation)—a 16 percent increase from the previous year. And while 89 percent of parents believe that college is an investment in their child's future, less than half (48 percent) of families are saving for college, and they are saving less than last year.
Tuition payment plans can ease the financial burden by giving students and families the ability to make manageable payments over time and the flexibility to choose the plan and monthly payment amount that is most affordable for their budget. Tuition payment plans also offer students an alternative to traditional student loans, which can often carry high interest rates.
Here are some of the best practices our payment plan clients have put in place to increase awareness and adoption of tuition payment plans on campus.
Top 5 Ways To Prepare For A Successful Refund SeasonWritten by Betsy Burton-Strunk
Summer is almost over and I'm sure we are all asking 'Where has the time gone?" As administrators are thinking about all the work ahead, eager and excited students are already returning to campus. Refund season is upon us! Here is our list of the top 5 ways to be prepared for refund season:
The Social Life of Payments: How Millennials' Use of Social Media Could Affect Payments on CampusWritten by Teresa Chaidez
I recently read an article on TechCrunch.com that talked about how banks have failed to meet Millennials' needs, including their desire for technological innovation. Millenials, defined as those aged 18–34 in 2015, are heavy users of social media and early adopters of technology. And according to a recent article by Pew Research, U.S. Census data shows that this year Millenials will outnumber Baby Boomers for the first time, making it the largest living generation in the United States. That means the potential market for innovative payment and finance-related technologies will be larger than ever.
Payment products are testing the social media waters by incorporating social elements within their technologies, and industry experts are watching the results with interest. Are Millennials in fact influencing the way we interact financially with each other? And if so, will it be a lasting impact?
There are many new financial apps, but today I'd like to highlight social elements within peer-to-peer (P2P) transfer apps.
There are four prominent players in this space, each offering a slightly different take on P2P transfers.
Venmo is a mobile app that allows P2P transfers for free, as long as the money comes from a bank account, major debit card or Venmo account (there's a 3% charge for transfers using a credit card or "non-major" debit card). When you sign up, you're automatically notified if any of your social media or phone contacts are also on the platform. When you transfer money to a contact, you also describe what it's for. Your followers can see that you made a transfer, who you made it to, and what it was for, but not the dollar amount. Ebay, which acquired Venmo in 2013, won't say how many users it has, but it processed $700 million in payments in the third quarter of 2014. During eBay's fourth-quarter earnings call in January, eBay CEO John Donahoe said, "Venmo is on fire. If you go to any college campus across America, they talk about Venmoing money to each other."
Institutions Honored for Excellence in Student SuccessWritten by Edward Worrilow
As institutions of higher education, colleges and universities have a vested interest in the success of their students. But what exactly makes a student successful? Yes, there are the standard components of good grades, attendance, etc., but "student success" doesn't always have to be limited to cookie-cutter statistics. Any school that goes above and beyond to put their students on a better path to success deserves to be nationally recognized, and that's exactly what brought Higher One, University Business and five institutions that are leading the charge in student success initiatives together at this year's NACUBO conference in Nashville, Tennessee.
We at Higher One were thrilled to partner with University Business to host the 2015 Models of Excellence awards ceremony, to not only recognize colleges and universities who've demonstrated excellence in accomplishing student success, but also to help drive awareness of initiatives like these across the higher education industry (because there are some really great things going on!)
The EMV Effect Webinar Recap and RecordingWritten by Teresa Chaidez
In March we told you about EMV (Europay, MasterCard and Visa)—an international standard for cards that uses a dynamic chip to make transactions more secure. Already in use in much of the world, EMV is only now making its way into the payment infrastructure of the United States.
Due to the high volume of EMV questions and concerns we've received from our clients, our most recent webinar was on the EMV Effect and the potential impact EMV will have on higher education institutions nationwide. Our very own VP of Payment Product Management, Don Smith, gave an in-depth presentation on what EMV is, the intended goals of the liability shift, and how to identify a timeline that makes sense for your campus.
Catch the recorded session here.
Higher One Renews Partnership with The Coalition for College Cost SavingsWritten by Teresa Chaidez
Higher One is pleased to announced that The Coalition for College Cost Savings has renewed its partnership with Higher One and will continue to provide Higher One's full suite of CASHNet® Payment Solutions to its members—nearly 900 private colleges across 30 states.
The Coalition for College Cost Savings (www.thecoalition.us), a national member-owned nonprofit organization, was established in 2006 as a comprehensive and collaborative purchasing effort focused exclusively on independent, private higher education institutions.
Top 10 Online Student Financial Literacy ResourcesWritten by Guest Post
Guest Post: Doug Schantz
When it comes to student financial literacy, it's hard to compete with the daily kitchen table conversations and teachable moments provided by mom and dad. But when students head off to college, they'll need other resources to help them understand and manage their personal finances. Whether you're a student or the parent of a college-bound student or a university administrator looking to enhance your campus' financial literacy efforts, I hope you find the following free resources helpful.
Higher One to Present Student Financial Behavior Research Findings at National SummitWritten by Mary Johnson
We are very excited that Higher One, along with its research partner Everfi, Inc., has been selected to present the results of this year's Money Matters on Campus study at the National Financial Wellness Summit on June 30 at Indiana University.
The Summit provides an opportunity for higher education educators and administrators to share their passion for student financial wellness. An important aspect of the event, now in its second year, is the bringing together of educators and administrators from a variety of functional areas within higher education. Financial literacy does not reside neatly within any one department, and efforts are spearheaded through a variety of channels on campus including the financial aid office, business office, counseling centers and student life areas. The most effective programs are those that involve a cross-section of university participation and commitment, and that capitalize on all the resources available on campus.
Evaluating Apple Pay for the Higher One Product RoadmapWritten by Don Smith
The introduction of Apple Pay in October 2014 was perhaps the most visible moment in the consumer payments industry in recent years. Nearly 300 U.S. banks now support Apple Pay, and the ever-growing list of stores that accept Apple Pay may soon include Best Buy and Target. But should you jump on the Apple Pay bandwagon? Let's review.
How does it work?
Apple Pay provides a fully tokenized mobile payment method for both in-store and online transactions. No card data, including encrypted card data, is stored or transmitted. When users load a debit or credit card from a participating issuer onto their phone, the issuer verifies that the credit or debit card account is valid and a token is generated and sent back to the device. The token is securely stored on the iPhone and used in lieu of card data to complete transactions. In a store, Apple Pay works by contactless payment via an NFC-enabled terminal.
- User experience: Apple Pay offers a seamless and effortless mobile payment user experience. Both in store and in-app, Apple Pay loads automatically. All the customer has to do is confirm the transaction by holding the phone's TouchID sensor.
- Security: Apple Pay provides consumers with a high level of protection against fraud by requiring both the token and a transaction-specific dynamic code generated by the device. The use of Apple's TouchID fingerprint sensor to authorize each payment adds an additional layer of security that other payment products do not offer.
CASHNet Mobile App Webinar RecapWritten by Teresa Chaidez
In case you missed the webinar on the CASHNet Mobile Payments app, here's a quick recap.
We had great attendance with some great inquisitive questions. Pamela Wilkes, Higher One's Director of Sales Support, talked about the development process, the pilot group we put together to test the early versions of the app, and finally some exciting implementation results from our friends at University of the Pacific and Gonzaga University.
Now that the app is ready for the market, we are excited to share with you the full details of the recorded webinar. If you're interested in using the app at your school, contact us!
Collaborating on Campus for Student SuccessWritten by Guest Post
Author: Melissa Ezarik, Managing Editor, University Business Magazine
Graduation rates and graduate employment rates will always be respected as data points related to student success. But the concept of student success in higher ed is evolving to mean much more. Campus administrators are working to help students succeed academically but also to immerse themselves successfully in campus life, manage finances well, attain life skills, do well in their first jobs and have fulfilling careers.
Collaboration between multiple departments (and sometimes students, community members or other external partners) is often the key to reaching institutional goals for student success. For example, one college's success program involves weekly meetings where representatives from student advising, student support, campus life and student leadership analyze data to judge overall program effectiveness and determine which individual students need help immediately.
Making Your International Students Feel at HomeWritten by Guest Post
Author: Adil Haider, Marketing Manager, Western Union Business Solutions
There are many challenges that a student faces when coming abroad to study, such as learning a new language, adapting to a new culture and customs and making tuition payments. Their initial arrival and experience in the first few months will determine whether they make a commitment to stay and continue studying at your institution or head back home to where everything is familiar.
As a host, it is important that you make your international students feel at home.
Although it's an exciting experience for them, it is often quite overwhelming. When students arrive, they must begin new lives in an environment that is very different. This can be very frightening for a young person, who often has never traveled abroad before and often has never lived in another country. Initially, international students need assistance with the most ordinary things from buying food to making friends.
Here are some tips to help international students deal with some key challenges.
Truth in Lending Act and Tuition Payment Plans Webinar RecapWritten by Teresa Chaidez
On April 22nd, we held our second informative webinar about Regulation Z (Truth in Lending Act or TILA) and the impact to Tuition Payment Plans. Higher One was fortunate to be joined by guest speaker John Culhane, Jr., a partner with Ballard Spahr LLP's Consumer Financial Services and Higher Education groups. John's extensive knowledge on the subject of consumer protection and student lending was a welcomed resource and he was an honored contributor to our webinar. Assisting John through the webinar was Higher One's very own Associate Counsel, Russell Tanguay, Jr., and Catherine Eklund, our industry expert and VP of Payment Plans.
With eighty-three representatives from our payment plan product lines, we had a full-house of clients eager to learn more about Regulation Z and state-based consumer credit laws, and their applicability to their in-house or external payment plans.
Financial Literacy Month Wrap-UpWritten by Mary Johnson
Financial Literacy Month was a great success, with more students than ever participating in $tart with Change.
During Week 1 of the Challenge, students were asked to review their spending over the last few weeks and identify two or three things they could have done without. As might be expected, dining out was the number one budget-buster. Here are two of the great comments that were posted on the $WC blog:
"After reviewing the items that I may have spent too much money on I narrowed it down to two main things, dining out and personal items. I use dining out as an excuse but if I allotted a little more time to preparing meals instead of flipping through menus I will be better off."
"I took a look over my spending habits, and I realize I spend way too much on dining out. However, buying groceries and paying bills were next on the list. I learned from Start with Change that I should limit my dining expenses and curb what I've been spending at the grocery store. Start with Change gave me some useful tools I plan to utilize. Thank you."
The other challenges asked students to share something new they learned about money, visualize the power of savings using our online calculator, and estimate their student loan payments. About 47 percent of students who responded to our online poll indicated that they had estimated their student loan payments. Here are a couple of comments we received:
"I definitely learned that I need to keep track of my student loans, and know my repayment options!! Thanks!" "What a very helpful tool! This surely brings light to how much you can realistically afford to borrow."
5 Great Tablet Holders for Mobile Transactions on CampusWritten by Teresa Chaidez
With the CASHNet® Mobile Payments app gaining traction, it only made sense for us to set out and look for hardware that complements its sleek re-skin, ease of use and on-the-go characteristics.
So we came up with a list of some of our favorite tablet holders. Here's our list:
- Float-A sophisticated and industrial design, the Float floor stand is great for when you need to be truly mobile but need hands-free hardware. The solid metal framing, ease of movement, and lightweight features will be sure to have you look like you mean business.
- Do you plan to just sit behind the table processing transactions with no need to get up? Umirro Table Clamp stand might be perfect to suit your needs. Adjustable to eye level (or any level) with a flexible joint so that you can adjust to your comfort, this table clamp version is stable, is sure to provide stability, flexibilityflexible and offers you the space you need to process your transactions while keeping your area clear of bulky hardware.
- TabletTail: Spider Monkey- Used as a tabletop or lap accessory, this gadget is easy to pack and set up. The simple yet genius design has consumers raving about the various ways it can be positioned. This holder boasts a solid 4.5 star rating on Amazon, and simply put, we love how funky and versatile it is!
- Padlette-Okay, we can't take the credit on this one. Our friends at University of the Pacific let us in on their favorite and sent us pictures of how they're using it! A Padlette is completely flexible (even allows you to stuff it in your pocket) and doesn't require you to stay fixed in one spot. This holder reduces the risk of dropping the iPad AND it's offered in various colors!
- And last but not least, for those of us with a childish sense of humor and a strict budget, we give two thumbs up to the Honskey tablet holder. This rubber and durable stand allows for vertical and horizontal dimensions and prevents scratching and sliding from the surface it is placed on. If you're looking for a conversation starter, we put our money on this one!
There were a few more that caught our attention and had great consumer reviews. If any of the previously mentioned don't tickle your fancy, check out:
- Anker® Multi-Angle Portable Stand
- BrainyGadgets tablet holder
- LapWorks soft grip iPad holder
Click here to inquire about the CASHNet Mobile Payments app.
Financial Literacy Month is in Full Swing with $tart with ChangeWritten by Mary Johnson
Higher One's Take on BitcoinWritten by Don Smith
Campus administrators, CFOs and bursars may wonder if their campus should accept Bitcoin, the virtual currency that has made headlines for the last few years, as a potential payment method. To provide some perspective, we've pulled together a few facts about Bitcoin as a thought starter.
5 Ways to Improve In-Person Transactions On Your CampusWritten by Teresa Chaidez
These days, we're used to conducting business without the intervention of a human. So when you do have an in-person transaction, make it count. Here are five easy tips to ensure that each face-to-face interaction leaves your students feeling like valued customers.
- Smile. Tuition and other expenditures can be a major source of stress and concern for students—the last thing they need is to be faced with someone who seems unapproachable. An inviting smile will put students at ease and make them feel comfortable enough to ask any questions they may have.
- Listen and be attentive. A financial transaction is like going to the doctor. As a patient (or customer), you want someone to listen to you, not someone who distractedly rushes you through the formalities. Chances are, if a student is conducting an in-person tuition transaction, they have a question about their account. Be sensitive to the student's needs and answer questions clearly and patiently, especially when dealing with freshmen, who are still familiarizing themselves with college processes, and international students, who are acclimating to a foreign culture.
- Anticipate questions and provide answers. You are in a position to know what questions students may have, even if the student doesn't know what they should be asking. Give students a full explanation of all options available to them. For example, a student struggling to pay tuition may not know they have the option of using a payment plan. The value of an in-person interaction is that you are in a position to offer intelligent assistance based on your own knowledge, not just answer questions like a robot. By offering options, you can help ease the burden of paying for school, which studies have shown can increase the student's chances of graduation.
- Accept many types of payment. Cash, credit, debit, ACH, wire—the more options offered, the more convenient for the customer. Making a payment is difficult enough mentally—at least make the physical process quick and pain-free.
- Help the medicine go down. It may seem silly, but having a bowl of candy, gum or mints "sweetens" the deal. Let your customers walk away with a good taste in their mouths—both literally and figuratively.
Making Financial Capability Top of MindWritten by Mary Johnson
HUG 2015 offered several opportunities for clients to hear about Higher One's efforts to empower students' financial capability. The Money Matters on Campus session focused on the pillars of student success, and how helping students manage their day to day finances is an important component of that equation. The session provided a "sneak preview" of this year's results of our Money Matters on Campus study, a national survey of 65,000 first-time college students. We also introduced our new financial literacy initiative, $tart with Change℠ financial education, which has a newly rebranded student website, student contests, institutional grant programs, and sponsorship of teacher training and financial literacy programming for high school students. Clients really enjoyed viewing one of the winning videos from our Money on My Mind video contest.
Refund Disbursement Update from HUGWritten by Betsy Burton-Strunk
The Higher One Users Group Conference (HUG) was recently held in Dallas, TX and provided a great opportunity for Refund Management® Disbursement Service clients to participate in discussions regarding fraud, financial literacy, orientation presentations as well as new features that are being added to our service over the next 12-18 months! The regulatory environment is expected to change during this time, and being prepared for these changes is critical. Higher One had the opportunity to share plans we have in place to not only be ready for these changes, but to also focus on enhancements that our customers have asked for including:
- Providing students with options to choose their refund preference without the debit card
- Offering immediate solutions for students who lose/do not have their green envelope through the use of a Personal Code
- Allowing students that have selected the OneAccount immediate access to funds through a virtual debit card if the debit card isn't available
Feedback was very positive in discussing these enhancements and some suggestions for improvements were provided by clients and those recommendations will be implemented before the release.
What's this about EMV?Written by Don Smith
By this point, you've probably heard about EMV. You may have even received a new EMV card in the mail from your bank. But what does EMV really mean? How will it impact you, your employees and your customers?
We've received a number of questions from our campus partners, so I thought it would be helpful to spend some time discussing EMV.
EMV stands for Europay, MasterCard and Visa. This is an international standard for cards that leverage a dynamic chip for a more secure point-of-sale (POS) transaction. EMV has been in use in many places throughout the world (Europe, Asia, Canada, etc) for quite some time, but is just making its way to the complicated payment infrastructure of the United States; which some would argue, is the most complicated payment system in the world (USA! USA! USA!).
HUG Update from Don SmithWritten by Don Smith
Recently, more than 150 Higher One clients descended on an ice-covered Dallas to discuss a number of aspects of our products and services. The first part of the week was focused on the sharing of best practices and the sharing of our strategic priorities for the CASHNet® suite. Users of the products took turns presenting on the ways that their campuses were unlocking value and improving service for students and their parents. Highlights included:
A conversation on incorporating the CASHNet® mobile app to mobilize the campus business office featuring Linda Wilson from Gonzaga University and Matt Camino from the University of the Pacific.
- A deep dive into the useful, but potentially unknown features of the CASHNet® suite with California State University Long Beach's John Fugatt and Higher One's Eileen Gazzuolo.
- An educational session on the differences between a CASHNet® Checkout and Storefront and the benefits of each in various scenarios by Ben Johnson of Ball State University.
- An illustration of how Ali Javadi and Mike Calvin, both from Valencia College, successfully leveraged CASHNet® Dynamic Billing to implement a real-time billing and student schedule solution, which is easily accessible via the campus' student web portal.
- A seminar on how Sally Burns at Michigan State University was able to both make life easier for international students and her staff through the adoption Higher One and Western Union's integrated module for accepting international ACH payments.
A New Student Experience – Designed by and for StudentsWritten by Lutz Braum
At HUG 2015, I previewed new features and services that Higher One intends to introduce this year for OneAccount customers. The presentation featured many of the insights we gathered from listening and working with students all across the country. Did you know that 16% of students (2.9 million) don't have a traditional checking or savings account? I described how Higher One had addressed some of their most pressing needs in 2014 with the launch of a simplified Bill Pay experience, a money management mobile app, and new financial literacy tools. But the most exciting (and unique) new features are yet to come. These are the features that students helped us design and refine in "co-creation" sessions.
HUG 2015 a Success!Written by Andrew Crawford
Higher One just concluded a successful Higher One Users Group (HUG) conference in Dallas, with record attendance! Over the course of the week, presenters and colleagues shared best practices, company updates, status of regulatory progress and our product and service plans for 2015.
HUG is a great place to network, learn and listen. I was thrilled to hear from many of our clients that they felt this was our best conference ever and am so excited to announce significant changes to our Refund Management® Disbursement Service and CASHNet® Payment Solutions suites including, but not limited to:
Refund Management: Personal Code For New Students
In May 2015, Higher One intends to begin including a Personal Code in the enrollment packet for new students. The alpha-numeric Personal Code will be used to authenticate and begin the refund selection process instead of the sixteen-digit number on the card. This enhancement has been tested and the communication with students and parents concerning this new experience has been well-received.
For convenience, an inactive Higher One Debit MasterCard will continue to be included in the enrollment packet for those students who choose to open a OneAccount.
Refund Management: Instant Personal Code For Administrators
With the Instant Personal Code enhancement an administrator will have the ability to generate an Instant Personal Code for students that will be immediately emailed so that they can select a refund preference without having to wait for a new enrollment packet in the mail.
Welcome to Our New Website!Written by Lutz Braum
At Higher One, we are committed to getting better. As part of that philosophy, we have launched an all-new website, with improved navigation, more information, and more ways for you to interact with us.
What's New
You'll find comprehensive sections for all of our Products and Solutions, with everything you need to know—whether you're an existing Higher One client or you're interested in learning more about us. Our Solutions page provides an all-in-one-place overview of our payments, refunds and data analysis solutions, as well as our exciting new $tart with Change financial education initiative. In our Products pages, you'll find specific information on:
- Our CASHNet® Payment Solutions suite of products, including add-on modules and details on our CASHNet Certification Training
- Features and functions of our Refund Management® Disbursement Service, including how it works, the choices available to students and the benefits your campus can expect to see
- Information on the comprehensive suite of data analysis solutions available from Campus Labs
Mary Talks MoneyWritten by Mary Johnson
We believe that all college students can become financially capable when reached with the right methods of financial literacy education, and when given access to and experience with banking and financial services. To that end, we use a variety of channels to help students learn to manage their finances more effectively. Through our new $tart with Change program we offer a website designed specifically for today's college student that offers useful articles, tips and tools on topics such as limiting student loans, budgeting, building credit and protecting their identity.


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However, she claims most companies are increasingly familiar with content marketing with 85 per cent aware of it among the 130 marketing decision makers who were polled.
She adds that companies are using content marketing to build the brand and engage with customers rather than 'customer acquisition' which was seen as less important at this point.
According to TNS research, 20p of every advertising £1 spent is going on content marketing.
Cashman sees there is a big opportunity for content marketing agencies with 74 per cent currently using internal resources.
Only 37 per cent use freelance journalist and editors for content marketing and one in three currently use social media agencies. "This represents a big opportunity for the content marketing industry."
Amy Cashman, MD of market research company TNS, was speaking at today's CMA International Content Marketing Summit - Weds 27 Nov.
Full agenda at www.the-cma/summit.
Want to find out more about getting involved in the £4billion Content Marketing industry? Then contact firstname.lastname@example.com


text: Vern HovenVern Hoven, CPA, EA, Masters in Taxation demystifies complex individual and business tax legislation with his dynamic presentation style. Recognized by CPA Magazine as one of the top 50 IRS representation practitioners in 2008, he also presents regularly for the AICPA, CCH, and numerous other state CPA societies. Many CPA Societies have named Vern their "Tax Instructor of the Year."


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David Mazzarese
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zoomed in on ?? of ?? records
showing all ?? records
2010 – today
- 2012
- [j6]Daewon Lee, Hanbyul Seo, Bruno Clerckx, Eric Hardouin, David Mazzarese, Satoshi Nagata, Krishna Sayana:
Coordinated multipoint transmission and reception in LTE-advanced: deployment scenarios and operational challenges. IEEE Communications Magazine 50(2): 148-155 (2012)
- [j5]Juho Lee, Younsun Kim, Hyojin Lee, Boon Loong Ng, David Mazzarese, Jianghua Liu, Weimin Xiao, Yongxing Zhou:
Coordinated multipoint transmission and reception in LTE-advanced systems. IEEE Communications Magazine 50(11): 44-50 (2012)
- [c5]David Mazzarese, Yongxing Zhou, Xiaotao Ren, Jingyuan Sun, Liang Xia, Jiayin Zhang:
An efficient feedback and scheduling scheme for cooperative multiple-point transmission in heterogeneous networks. PIMRC 2012: 112-117
- 2010
- [j4]Qinghua Li, Guangjie Li, Wookbong Lee, Moon-il Lee, David Mazzarese, Bruno Clerckx, Zexian Li:
MIMO techniques in WiMAX and LTE: a feature overview. IEEE Communications Magazine 48(5): 86-92 (2010)
2000 – 2009
- 2009
- [c4]Bruno Clerckx, David Mazzarese, Gil Kim, Sungjin Kim:
Multiuser MIMO Downlink Made Practical: Application to IEEE 802.16m. VTC Spring 2009
- 2008
- [j3]Chan-Byoung Chae, David Mazzarese, Nihar Jindal, Robert W. Heath Jr.:
Coordinated beamforming with limited feedback in the MIMO broadcast channel. IEEE Journal on Selected Areas in Communications 26(8): 1505-1515 (2008)
- [j2]Chan-Byoung Chae, David Mazzarese, Takao Inoue, Robert W. Heath Jr.:
Coordinated Beamforming for the Multiuser MIMO Broadcast Channel With Limited Feedforward. IEEE Trans. Signal Processing 56(12): 6044-6056 (2008)
- [c3]Chan-Byoung Chae, David Mazzarese, Nihar Jindal, Robert W. Heath Jr.:
A low complexity linear multiuser MIMO beamforming system with limited feedback. CISS 2008: 418-422
- [c2]Chan-Byoung Chae, Takao Inoue, Robert W. Heath Jr., David Mazzarese:
Non-iterative multiuser MIMO coordinated beamforming with limited feedforward. ICASSP 2008: 2393-2396
- 2007
- [j1]David Mazzarese, Witold A. Krzymien:
Scheduling Algorithms and Throughput Maximization for the Downlink of Packet-Data Cellular Systems with Multiple Antennas at the Base Station. Wireless Personal Communications 43(2): 215-260 (2007)
- [c1]David Mazzarese, Chan-Byoung Chae, Robert W. Heath:
Jointly Optimized Multiuser Beamforming for the MIMO Broadcast Channel with Limited Feedback. PIMRC 2007: 1-5
Coauthor Index
data released under the ODC-BY 1.0 license; see also our legal information page
last updated on 2016-03-10 23:29 CET by the dblp team


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SUSAN VAUGHN SCHOOL OF DANCE has been educating area students since 1971 and has exposed thousands of students to the world of dance and performance. Whether they are dancing for their own pleasure or pursuing a career in performing arts, students and their children and grandchildren return to SVSD again and again.
Along with providing the best possible dance training for each student, SVSD encourages positive traits such as high morale, self esteem, discipline, responsibility, individuality, concentration, perseverance, and the realization that if they work hard, they can achieve excellence in all that they do. They need to understand that success in anything lies not in being the best but in doing your best. We pride ourselves in bringing out the very best in each dancer – child or adult – for no matter what age, there is always the need for growth, pride, and a sense of accomplishment.


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A few days ago, we reported that NBC Universal would be re-launching the G4 Network as the Esquire Network and that it would focus on men's culture. New content will include cooking competition Knife Fight, American Ninja Warrior, Parks and Recreation, Party Down, and travel show The Getaway.
So, my question to you, dear GamePolitics readers: are you going to watch it when it launches on April 22?
Would you have known what the heck the Esquire Network was if I had skipped the opening paragraph and jumped straight to the question?
Let us know if you're going to give this sucker a chance. How? I'm so glad you asked. Vote in the poll and then hit up the comments section and let us know why the network is or is not worth your attention. Is there something you're looking forward to? Something that's keeping you away? We want to know. Don't leave us in suspense! We can't sleep when you leave us in suspense and we're already downing way more melatonin than we should.
If comment sections aren't your style, send us an email at firstname.lastname@example.com. We'll reveal the poll results and discuss your opinions on next week's podcast.
Ready, set, vote!
"vote label" © Tribalium / Shutterstock. All rights reserved, used with permission.
-Reporting from San Diego, GamePolitics Contributing Editor Andrew Eisen


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Weixiang Yuan
Last updated by jasmine at 2015/11/11
Weixiang Yuan restaurant, well known for its inexpensive but delicious family-flavored dishes, has attracted many regular guests. In the deep autumn and winter, the restaurant recommends mutton fire pot, hoping to bring warmth and friendliness to all guests.
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Just greedy speculators.
The New Zealand dollar advanced as investors increased their holdings of the local currency after a sell-off earlier in the week on concern over the impact of a food contamination scare on the New Zealand economy.
The kiwi rose to 79.56 US cents at 8am in Wellington from 78.94 cents yesterday. The trade-weighted index gained to 75 from 74.66.
Some investors sold the New Zealand dollar earlier in the week on the expectation the currency would fall further on concern a food contamination scare at Fonterra, the nation's largest company, would hurt the economy.
The crisis appears to have abated and those investors are buying back the kiwi to rebalance their portfolios.
"The export issue has just completely faded from memory now," says Sam Tuck, senior manager FX at ANZ New Zealand. "We have recovered and now we will follow Australian and US dollar events. We still seem to be on a firm footing."
The kiwi is likely to trade in the 78.60 US cent to 81 cent range for the next little while, he says.
Today in New Zealand, state valuer QV releases a report on property values for July, which will be watched for continued signs of an overheated housing market in Auckland and Christchurch.
The kiwi advanced to 88.51 Australian cents at 8am in Wellington from 88.04 cents yesterday ahead of labour market data today. A report scheduled for release at 1.30pm NZ time is expected to show the Australian unemployment rate rose to 5.8 percent in July from 5.7 percent.
The report may spark volatility in currency trading today. However, the key event for the Australian dollar is tomorrow's Reserve Bank of Australia statement on monetary policy which will signal whether the central bank plans to cut interest rates further following a quarter point cut to 2.5 percent this week, Mr Tuck says.
The Australian dollar may strengthen should tomorrow's release suggest the bank is on the sidelines as investors are expecting further reductions, he says.
The kiwi weakened to 51.36 British pence from 51.50 pence yesterday after Bank of England governor Mark Carney for the first time linked the outlook for monetary policy to unemployment, saying the central bank is unlikely to tighten policy as long as unemployment exceeds 7 percent.
Britain's unemployment rate is 7.8 percent and the bank expects it to stay above 7 percent until at least late 2016, signalling no change of policy until then.
"We lost ground to the sterling because the BoE introduced forward guidance," Mr Tuck says. "The market breathed a sigh of relief that it wasn't anything major, a mere linking to the unemployment rate."
The local currency was little changed at 76.75 yen from 76.80 yen yesterday ahead of a Bank of Japan meeting today where no change to policy is expected.
The yen strengthened against the US dollar as investors who had been selling the currency in anticipation of fiscal reform are now buying it back ahead of the central bank statement as no announcement appears imminent.
"People have been waiting for some sort of fiscal policy reform, labour reforms and corporate tax reforms in Japan. It hasn't eventuated so far so people who were structurally short yen, mainly through US dollar yen, have been slowly closing that position out as that fails to eventuate," Mr Tuck says.
The kiwi rose to 59.67 euro cents from 59.34 cents yesterday even as a report showed German industrial production increased more than expected in June.
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Genesis & The Big Bang Theory
See also Jewish views of the age of universe
Posted in: Jewish Beliefs & Philosophy
By Greg Deuble on January 4, 2014 -- 10:12am
I have found Gerald Schroeder's books, lectures and material outstanding. I love the way he combines the very best of modern science with Biblical commentary. He has been very helpful to me in my interactions with my own family members and friends. I am able to converse with greater confidence about the Creator of the Universe and the God of the Bile. Thanks heaps!
By RB on January 8, 2014 -- 3:52am
Amazing!! Worth every minute! You have to really focus to follow the logic, but the ending gave me chills. He uses the theory of relativity and the constant expansion of the universe to explain how the Jewish concept of the age of the universe (roughly 6000 years + 6 days) equals the scientific concept of the age of the universe (15 billion years). Very cool!
By Linda on January 27, 2014 -- 10:47pm
Please refer to Aryeh Kaplan's book Immortality, Resurrection, and the age of the Universe: A Kabbalistic View. He refers to Rabbi Issac of Akko who some 700 years ago concluded that the world would be 15,340,500,000 years old. When I expressed my surprise to my Rav, pointed out that rabbis in the past were much wiser than we are today.
Contribute: Add your Summary, Outline or Thoughts on this Lecture
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Crash Course In Jewish Thought