Sunday, October 20, 2013

Tips To Simplify Repairs To Your Credit | - JGVFinance

Debts that you may have forgotten about or been unaware of can seriously hurt your credit. There?s no better time than now to start repairing your credit. The following information is quick, simple and can help repair your credit if followed correctly.

If your credit card is carrying more than half of its credit limit, your first priority should be paying it down until it is below 50%. Credit card balances are among the factors taken into account when determining your credit score. Maintaining balances over 50% will lower your rating. You can attain lower your balances by using balance transfers to move debt from accounts with higher balances to those with lower balances, or by simply paying off some of your higher balances.

Having a good record allow you to qualify for things like a home mortgage. You will get a better credit score by paying your mortgage payment on time. Owning a home gives you secure financial assets. This will make taking out future loans much easier.

Begin paying your bills to repair your credit. More specifically, pay them on time and in full. Your FICO score will begin to increase immediately after you pay the bills that are past due.

Try joining a credit union to begin a credit score. They may offer better rates and more credit due to local conditions as compared to national ones.

If you notice credit reporting errors, always file a dispute. Compose a letter of dispute to every agency that reported errors, and include as much documentation as you can. Use a return receipt when you mail your package so that you can prove that the agency received it.

Too many credit cards is a common cause of financial strain, so close all of your accounts aside from one. Transferring multiple balances to one single card is a way to gain control of your finances. By doing this, you can concentrate on a single credit card payment, as opposed to a lot of smaller ones each month.

If a creditor agrees to give you a payment plan, get that payment plan in writing. You need to have a contract in writing so if the creditor goes belly up or they change your terms, you can catch them on it. Once you make the final payment, get a statement that verifies that the debt has been satisfied and send it to the various credit reporting agencies.

Bankruptcy should only be viewed as a last resort option. Bankruptcy does not drop from your credit report until ten years have passed, so you will deal with the fallout for a significant period of time. You may think that bankruptcy is your only option to rid yourself from debt, however look at your long term financial goals before deciding to file for it. Once bankruptcy has been filed, it could permanently halt your chances of ever obtaining credit again in the future.

To fix damaged credit, pay off your credit card balances as fast as you can. Pay down credit cards that have the highest amount owed, or the highest interest rates. Your debt will not grow as fast as before, if you get rid of high interest rates first, and your creditors will see you are making efforts.

Take the time to carefully go over your monthly credit card statement. Really analyze the purchases on your card to make sure you are not receiving any errant charges for items you never purchased. You are the person responsible for checking that there are no errors.

You should keep a low balance on your credit cards to improve your credit rating. You can raise your score by lowering your balances. The FICO system notates when a balance on a card is at 20,40,60,80, and 100 percent of the total available credit.

An experienced, honest credit restoration agency can be very helpful. Too many of these services will use your desperation to make money. Indeed, some people have fallen prey to credit score repair scams. Use online reviews and other resources to find an honest agency that can help you.

You should have noticed that the preceding tips have a common theme?they are mostly based on common sense. You can easily achieve your goal by using these tips.

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Source: http://www.jgvfinance.com/credit/tips-to-simplify-repairs-to-your-credit/

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Thursday, October 10, 2013

At least 40 killed in Syrian weapons depot blast

This image posted on the official Facebook page of the Syrian Presidency on Thursday, Aug. 1, 2013 purports to show Syrian President Bashar Assad shaking hands with a solider during Syrian Arab Army day in Darya, Syria. Syrian state-run TV says Assad has visited a tense Damascus suburb to inspect his troops on the occasion of the country's Army Day. The visit on Thursday is Assad's first known public trip outside the capital, his seat of power, since he visited the Baba Amr district in the central city of Homs after troops seized it from rebels in March 2012. Daraya, just south of Damascus, was held by rebels for a long time and it took the army weeks of heavy fighting to regain control earlier this year. (AP Photo/Syrian Presidency via Facebook)

This image posted on the official Facebook page of the Syrian Presidency on Thursday, Aug. 1, 2013 purports to show Syrian President Bashar Assad shaking hands with a solider during Syrian Arab Army day in Darya, Syria. Syrian state-run TV says Assad has visited a tense Damascus suburb to inspect his troops on the occasion of the country's Army Day. The visit on Thursday is Assad's first known public trip outside the capital, his seat of power, since he visited the Baba Amr district in the central city of Homs after troops seized it from rebels in March 2012. Daraya, just south of Damascus, was held by rebels for a long time and it took the army weeks of heavy fighting to regain control earlier this year. (AP Photo/Syrian Presidency via Facebook)

This undated photo posted on the official Instagram account of the Syrian Presidency purports to show Bashar Assad visiting with soldiers in Baba Armr, Homs province, Syria, in 2012. Amid the carnage from the Syrian civil war, President Bashar Assad has embraced every tool at his disposal including social media to project confidence and transmit his message to dedicated fans, most recently on the popular photo-sharing service Instagram posting pictures of himself and his glamorous wife surrounded by idolizing crowds.(AP Photo/Syrian Presidency via Instagram)

This undated photo posted on the official Instagram account of the Syrian Presidency and purports to show Bashar Assad visiting a patient at a military hospital in Damascus, Syria in 2012. Amid the carnage from the Syrian civil war, President Bashar Assad has embraced every tool at his disposal including social media to project confidence and transmit his message to dedicated fans, most recently on the popular photo-sharing service Instagram posting pictures of himself and his glamorous wife surrounded by idolizing crowds.(AP Photo/Syrian Presidency via Instagram)

DAMASCUS, Syria (AP) ? Rocket attacks struck government-held districts in the central Syrian city of Homs on Thursday, setting off successive explosions in a weapons depot that killed at least 40 people and wounded dozens, an opposition group and residents said.

The blasts sent a massive ball of fire into the sky, causing widespread damage and panic among residents, many of whom are supporters of President Bashar Assad.

One resident said the explosions were so strong they cracked the walls of some buildings. Thick smoke and dust could be seen from a distance as explosions shook the ground.

A video posted online by activists showed a huge ball of fire over Homs neighborhoods.

The explosions in Homs reflected the see-saw nature of the conflict. It showed that despite significant advances by Assad's military, rebels could still strike back.

An official at the governor's office in Homs said about 10 rockets slammed into the neighborhood of Zahra and the nearby sports stadium, sparking a large fire and causing several casualties. He said the explosions caused massive destruction and wounded at least 130 people. He didn't offer a number for those killed.

The official spoke on condition of anonymity in line with government regulations. He did not give a casualty figure.

The Britain-based Syrian Observatory for Human Rights, which closely monitors the fighting in Syria, said 40 people were killed and 120 were wounded ? some critically ? when rockets struck an arms depot, igniting the fire.

A resident of Homs corroborated that account, saying he heard blasts for more than an hour after the first explosion. He said they could be heard from the overwhelmingly pro-regime districts of Wadi Dahab and al-Walid, where the regime is known to keep arms depots.

"Rockets were falling on the area ... when the arms depot began to explode but we don't know if the rockets triggered the blasts," he said, speaking on condition of anonymity for fear of retaliation.

He said the explosions were so strong that "they shook parts of the city." They also shattered all windows in the area and cracked walls, he added.

He said he spoke with Syrian Arab Red Crescent paramedics who told him that at least 22 bodies were taken to hospitals.

The explosions in Homs coincided with a rare trip by President Bashar Assad to a former rebel bastion near the capital, Damascus, to mark Army Day.

Assad's visit to Daraya is his first known public trip outside the capital, his seat of power, in more than a year. He visited the battered Baba Amr district in the central city of Homs after troops seized it from rebels in March 2012.

It also is the latest sign of confidence from Assad, whose troops have been on the offensive and scored significant gains against rebels in recent months. Assad pledged victory over troops fighting to topple him.

More than 100,000 people have been killed since the uprising against the Assad family's four-decade rule began in March 2011. The revolt later escalated into a civil war, which has uprooted millions of people from their homes.

___

Mroue reported from Beirut.

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/3d281c11a96b4ad082fe88aa0db04305/Article_2013-08-01-ML-Syria/id-6adfe1adc99543dd8b19038e72f1da85

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Wednesday, October 9, 2013

Nvidia wants its Shield to combine PC, mobile gaming

nvidia

Aug. 2, 2013 at 9:45 PM ET

The Shield from Nvidia

Nvidia

The Shield uses the Android operating system.

One of the biggest surprises from this year's Consumer Electronics Show in Las Vegas came when Nvidia, a tech company primarily known for its powerhouse graphics processing units and chipsets, revealed?it was making a full-fledged mobile gaming device of its own to stand alongside the many devices that Nvidia's technology already powers.

After a slight name change, a month's delay and drop in price from $349 to $299, the Nvidia Shield hit store shelves this week. But what is Shield, exactly?

"We don?t consider Shield a console," Bryan Del Rizzo, Nvidia senior PR manager of consumer products, explained when I first emailed him inquiring about what I thought was a new mobile gaming console through-and-through. "It?s a mobile Android gaming platform that also is able to stream PC games."

The idea behind Shield was to create something that sits on the border between high-end PC gaming and its mobile counterpart on Android, so the Nvidia Shield is a mish-mash of different elements.

On one hand, it's a fancy Android platform with a gaming controller attached to it. On the other, it's a device that can interact with a PC in a manner similar to how Sony is promising the PlayStation Vita will once the PlayStation 4 comes out ? Shield users, when equipped with the right hardware and in wireless range, can stream games straight from their PC gaming setup to the mobile device.

It's a great idea for anyone who wants to play "Skyrim in bed," as one early reviewer put it. And like Sony's similar promise for cross-play between the PlayStation 4 and PS Vita shows, it's an ambitious idea to bring high-end video game experiences to not-so-high-end devices.

But as with any new emerging technology, there are hiccups along the way. In addition to needing a stable Wi-Fi connection, the streaming part of the Shield's functionality relies on an H.264 encoder that's built into Nvidia's GeForce GTX 650 or higher graphics-card models ? a requirement that could set you back at least another $100 if you don't have one of the company's PC graphics cards, let alone a functioning PC gaming tower in its own right. And the limitations of Wi-Fi range seems to either render this "mobile gaming device's" most promising features inert, or not allow it to be truly "mobile."

Nick Stam, Nvidia's technical marketing director, told NBC News that ideally the device could eventually be set up to stream games from?GRID, its cloud gaming-esque system also unveiled at this year's CES. But for the time being, they're still focused on working out the kinks in the current streaming system.

"Not every game works perfectly," Stam said. "That's why we still have it in beta."

It might seem like a peculiar choice for an established chipmaker to wade into the chaotic and competitive arena of console development. But Nvidia could actually be in a better position than some of its leaner rivals because it doesn't really need to make much money off this device yet.

Piers Harding-Rolls, director of games at market research firm IHS Global Insight, told NBC News that the Shield could basically function as a souped-up business card for Nvidia, helping court fellow gaming companies and mobile gadget makers alike (not to mention average consumers) to its line of graphics cards.

"We expect the platform to be a niche seller at this point," Harding-Rolls wrote in an email to NBC News. "We don't expect it to sell at the level of other handheld consoles, but we don't believe that is necessarily a major issue for Nvidia, as this strategy is as much about provoking interest in Nvidia technology, engaging gamers outside of the PC sector especially in the mobile space and driving brand awareness, as it is generating direct revenue from a handheld console."

But Michael Pachter, a prominent game industry analyst at Wedbush Securities, is less optimistic about the Shield's chances of success.

"I really don?t care about Shield," Pachter wrote when I emailed him asking about the device this week.

"It is not going to sell well at all, reminds me of N-Gage," he added, referring to Nokia's famously hideous flop of an attempt to make a mobile console in 2003.

Yannick LeJacq is a contributing writer for NBC News who has also covered technology and games for Kill Screen, The Wall Street Journal and The Atlantic. You can follow him on Twitter at @YannickLeJacq and reach him by email at: Yannick.LeJacq@nbcuni.com.

Source: http://feeds.nbcnews.com/c/35002/f/663301/s/2f8010c4/sc/28/l/0L0Snbcnews0N0Ctechnology0Cnvidia0Ewants0Eits0Eshield0Ecombine0Epc0Emobile0Egaming0E6C10A835459/story01.htm

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Tuesday, October 8, 2013

Sun, sand, and summer on the streets of Paris

Our Paris bureau chief takes her family to the city's famous artificial, temporary beach.

By Sara Miller Llana,?Staff writer / July 29, 2013

People enjoy the sun next to Pont Neuf bridge as 'Paris Plage' (Paris Beach) opens along the banks of River Seine in Paris on July 20.

Christian Hartmann/Reuters

Enlarge

?Paris Plage,? the annual transformation of urban concrete into faux beach in Paris, was begun more than a decade ago as an experiment of equalization. The French are famous for taking off the entire month of July or August ? but of course not everyone can afford such summer rituals. For those who cannot, the thinking went, why not bring the beach to them? It?s been such a hit that it?s been copied the world over.

Skip to next paragraph Sara Miller Llana

Europe Bureau Chief

Sara Miller Llana?moved to Paris in April 2013 to become the Monitor's Europe Bureau?Chief. Previously she was the?paper's?Latin America Bureau Chief, based in Mexico City, from 2006 to 2013.

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This year, it might be more popular than ever.

We recently finished a Focus story on global vacation patterns. (The story will go up on the website on Wednesday.) For my part, as Europe correspondent, I have written about how the French, more than others in debt-stricken Europe, are planning on carrying on with their summer respite, with 62 percent saying they plan to go away, compared to an average of 54 percent in the European countries surveyed.

But that number, while higher than the average, still represents an 8-point drop in vacation-goers from the previous year. And I suspect many of them might be heading to the Seine and nearby Parisian canals for at least part of this summer.

I?ve never been to one of these urban beaches, even after one was created in Mexico City where I lived for seven years. Frankly, nothing seemed less appealing to me: hot sun beating on trucked-in sand, in stinky summer streets, with no option for cooling off in the water. But I?ve heard so much about ?Paris Plage,? I wanted to see it for myself, so the Llana family packed up and set off ? preparing to catch a quick glimpse and go.

It turns out we could hardly peel ourselves away.

In deciding where exactly to head, I relied on the reporting of my Monitor predecessor in Paris, Robert Marquand, who visited not the posher, tourist-infested beachfront of the Seine but the Canal de l?Ourcq in La Villete in the 19th arrondissement. He described the gathering as ?a multiethnic romp for kids, and a place where locals do tai chi and play petanque, a kind of horseshoes with heavy balls. In an expensive city, drinks are supermarket prices.? ?

Not interested in seeing or being seen, that seemed the place for us.

It was blisteringly hot but we found two seats under umbrellas, also shielded by palm trees, and plopped down with our two-year-old and her buckets and shovels. As she usually does, our tomboy immediately gravitated to a boy with cars, cranes, and buses.

One challenge I?ve had as a mother in Paris is how hard it is to meet other moms, even at the parks. But the vibe was far friendlier ?on the beach.? Cecelia and her friend Victor immediately hit it off. He shared his fruit snacks; she her raisins. There was a breeze. His grandmother was lovely. We actually did feel like we were on vacation.

?It feels like summer,? my husband said, a lemonade in hand.

There are also boat rides, go-karts, ice-cream stands, and anything else you might find at a beach boardwalk. When it got too hot, we found a sprinkler system, which Cecelia ran back and forth through for a full 45 minutes without stop ? which, as any parent knows, is better than a vacation. (She slept for 3 hours when we got home.)

These beaches are always depicted as a consolation prize for those not fortunate enough to go away. But I left feeling lucky that I live in a city where there is so much offered ? whether one is going away or not. The vibe was certainly not one of runner-up.

Source: http://rss.csmonitor.com/~r/csmonitor/globalnews/~3/wK-NTWzdkTg/Sun-sand-and-summer-on-the-streets-of-Paris

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Friday, October 4, 2013

Latest Android distribution numbers show continued growth for Jelly Bean but Gingerbread is still holding on

Google_Distribution_Numbers_August_01_2013

It?s that time of the month again!! This is when we find out how badly Android is fragmented. According to Google, Jelly Bean is on about 40.5% devices, up from 37.9% the previous month. If you look at Android 4.0 Ice Cream Sandwich and Jelly Bean combined, the total is at 63.1%, up from 61.3% last month.

I know a lot people seem to get excited how great this is, but seriously folks. Ice Cream Sandwich debuted in October of 2011 and Jelly Bean debuted last June 2012. I?m sorry, this is nothing to get excited about. In fact, Gingerbread, which was announced in November 2010, is still on 33.1% of devices.

The good news is that Android device sales continue to rock & roll while Tim Cook keeps arguing about fragmentation. Translation ? nobody cares.

source: Google

? See more articles by Robert Nazarian

Source: http://feedproxy.google.com/~r/AndroidNewsGoogleAndroidForums/~3/TSGXDkhzJPM/

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Monday, September 30, 2013

Parting Schotts: Clifton Park's Taylor heads Union hockey 2013-14 recruiting class (with video)

Jeff Taylor and his parents were long-time Rensselaer Polytechnic Institute hockey season-ticket holders.

Now, Taylor?s parents will need season tickets to see their son play at Union this season.

Taylor, a Clifton Park native and 2012 Albany Academy graduate, headlines the list of eight recruits who will be joining the two-time defending ECAC Hockey tournament-champion Dutchmen, Union coach Rick Bennett announced Thursday.

The 6-foot, 180-pound Taylor is one of four defensemen coming in. The others are Noah Henry from the British Columbia Junior Hockey League?s Powell River Kings, Matt Krug from the U.S. Hockey League?s Indiana Ice and Griffyn Martin of Avon Old Farms.

There are three forwards ? Alex Gonye from Deerfield Academy, Eli Lichtenwald of the Saskatchewan Junior Hockey League?s Nipawin Hawks and Mike Vecchione from the USHL?s Tri-City Storm.

The other recruit is goalie Alex Sakellaropoulos from the USHL?s Chicago Steel.

Taylor committed to Union while he was at Albany Academy. He spent last season with the USHL?s Dubuque Fighting Saints, who won the league title. Taylor had five goals and 22 assists in 57 games.

But Taylor and his family were fans of RPI before Taylor began going to Union games.
?I had RPI season tickets from 2 or 3 [years old] to 14,? Taylor said. ?It?s kind of ironic.?

With his skills, Taylor should fit right in on the blue line along with senior Mat Bodie and junior Shayne Gostisbehere.

?He?s a little bit of a hybrid between Mat Bodie and Shayne Gostisbehere,? Bennett said. [He?s a] defenseman that keeps it simple, but can jump into the offense, as well. I think he?s got a tremendous upside at Union, and I look forward to his progression.?

Henry started last season with the BCHL?s Penticton Vees before being traded to Powell River. In 52 combined games, the 6-0, 190-pound Henry had two goals and 14 assists.

The 6-1, 198-pound Krug spent the last two seasons with Indiana. He had five goals and 17 assists in 108 career games.

Martin, who is 6-0 and weighs 187 pounds, was Avon Old Farms? captain last season. He was named the team?s most valuable player after collecting three goals and 14 assists.
FORWARDS
The 5-10, 195-pound Vecchione originally committed to New Hampshire, but backed out of it. He spent the last two seasons with Tri-City. He was the Storm?s second-leading scorer last season with 26 goals and 34 assists in 63 games. Vecchione was the team captain.

Gonye, who is 6-1 and weighs 175 pounds, played for Deerfield Academy for four years. He was tied for second in team scoring last season with six goals and 18 assists in 24 games.

At 6-6 and 235 pounds. Lichtenwald is probably one of the biggest recruits Union has ever had. Lichtenwald started last season with the USHL?s Omaha Lancers and five goals and 14 assists in 19 games. Midway through the season, he went to Nipawin, the team he started his junior career with in 2010-11 and was the SJHL?s Rookie of the Year, and finished with nine goals and 13 assists in 19 games.
GOALIE
Shortly after junior Troy Grosenick announced that he was leaving the Dutchmen to sign with the San Jose Sharks, the Dutchmen landed the 6-3, 215-pound Sakellaropoulos. He posted a 22-20-2 record in 48 games last season with a 3.03 goals-against average and a .914 save percentage and three shutouts.

NOTE
Forward Tyler Hynes, who was a teammate of Taylor?s at Albany Academy and had been expected to be a part of this recruiting class, will spend another year with the Lancers before coming to Union next season. Hynes, who is from Slingerlands, had six goals and three assists in 53 games last season.

To see my interview with Bennett, click here.

Follow @slapschotts on Twitter. Follow @dgazettesports on Twitter.

Source: http://www.dailygazette.com/weblogs/schott/2013/aug/01/clifton-parks-taylor-heads-union-hockey-2013-14-re/

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Sunday, September 29, 2013

California Ripped Fitness muscles into San Jose fitness scene

California Ripped Fitness moves into San Jose to join a competitive gym market.

A growing Placer County-based fitness chain has chosen San Jose's Gould Plaza for its first location in the area, and it hopes to have more deals in hand by the end of the year.

California Ripped Fitness has signed a 22,000-square-foot lease at 1035 East Capitol Expressway. Nicholas Trosko, the company's director of operations, told me the gym intends to open in early October, with pre-selling beginning in mid-August.


Related: Redwood City lands VillaSport - 130K sq ft of fitness, water slides and spas


"We're looking to come in pretty aggressively and are actively looking for spots in other locations," Trosko said.

The arrival marks the latest entrant in the increasingly competitive world of fitness in Silicon Valley. Most notably, LA Fitness-owned City Sports has ramped up in the region, with a slew of deals signed last year. San Ramon-based 24 Hour Fitness continues to lock up new locations. And smaller players like Retro Fitness and Total Woman are also scouting for sites.

This is only California Ripped's second location, following its first beachhead last February in the city of Lincoln, near Sacramento. The company is led by Pat Accettura, a gym-industry veteran with experience with the Gold's Gym brand.

California Ripped will attempt to distinguish itself by offering memberships in the $15- to $20-range, but be a step above the bargain-basement chains. Personal training? Check. Group classes? Check. Tanning? Check. Also on tap: On-demand digital "instructors" for group classes (via giant video screens) when a live instructor isn't available.

"We're a gym for everybody - families, women, all ages," Trosko said. "Our model is to be a low-cost gym, but full-service."

Nathan Donato-Weinstein covers commercial real estate and transportation for the Silicon Valley Business Journal.

Source: http://feedproxy.google.com/~r/vertical_50/~3/txRIYti873A/california-ripped-fitness-muscles-in.html

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TI intros single-chip DockPort technology destined for laptops and tablets

TI intros singlechip DockPort tailored for laptops and tablets

The DockPort standard is only just getting off the ground with support in AMD's Elite Performance processors. TI could soon make the technology fly, however: its new (if awkwardly named) HD3SS2521 controller handles all the tasks of DockPort on a single chip. The hardware is both simpler and cheaper than past multi-chip designs, and makes it easier for laptops and tablets to deliver DisplayPort video, USB 3.0 and power through a single cable. Whether or not we see more DockPort-equipped mobile gadgets is another matter. While the TI chip is available today, device builders still have to choose DockPort over a more established standard like Intel's Thunderbolt.

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Source: Texas Instruments

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From Recession's Wake, Education Innovation Blooms - Higher ...


by Justin Pope, AP Education Writer

College TechSCOTTSDALE, Ariz. ? Hundreds of investment bankers, venture capitalists and geeky tech entrepreneurs gathered near the pool of the Phoenician, a luxury resort outside Phoenix. The occasion? A high-profile gathering of education innovators, and, as guests sipped cocktails, the mood was upbeat.

Major innovations forged by the struggles of the Great Recession and fostered by technology are coming to higher education.

Investment dollars are flooding in with a record-smashing 168 venture capital deals in the U.S. alone last year, according to the springtime conference?s host, GSV Advisors. The computing power of ?the cloud? and ?big data? are unleashing new software. Public officials, desperate to cut costs and measure results, are open to change.

And everyone, it seems, is talking about MOOCs, the ?Massive Open Online Courses? offered by elite universities and enrolling millions worldwide.

As with so many innovations from the lightbulb to the Internet, the technology is emerging mostly in the United States, fueled by American capital. But, as with those past innovations, the impact will be global. In this case, it may prove even more consequential in developing countries, where mass higher education is new and the changes could be built into emerging systems.

One source of this spring-like moment is the wintry depths of the financial crisis that struck five years ago, pushing higher education as never before to become more efficient. Another is simply the arrival of a generation demanding that higher education, at long last, embrace the technologies that have already transformed other sectors of the economy.

?The consumer, after five years on a tablet and five years on an iPhone, is just sick of being told, ?you can?t do that,?? said Brandon Dobell, a partner at William Blair & Co., an investment bank and research firm based in Chicago. ?I can do everything else on my phone, my tablet, why can?t I learn as well??

But, while technology is at the center of this wave of innovation, many argue it is merely the pathway to something even bigger.

Cracks are opening in the traditional, age-old structures of higher education. Terms like ?credit hour? and even the definition of what it means to be a college are in flux.

Higher education is becoming ?unbundled.? Individual classes and degrees are losing their connections to single institutions, in much the same way iTunes has unbundled songs from whole albums, and the Internet is unbundling television shows and networks from bulky cable packages.

Technology isn?t just changing traditional higher education. It?s helping break it down across two broad dimensions: distance and time.

But that doesn?t necessarily mean, as some contend, the traditional university is dead.

At his desk at a telecom company in Lagos, Nigeria, Ugochukwu Nehemiah used to take his full one-hour lunch break. Now, he devours his meal, then watches his downloaded MOOCs. He?s already finished courses in business, energy and sustainability, and disruptive innovation, taught by institutions like the Massachusetts Institute of Technology and the University of Maryland.

Nehemiah needs a master?s to advance at work but cannot afford the United Kingdom program where he?s been admitted. The MOOC learning doesn?t translate into a widely recognized credential. But the teaching is free, not available locally, and helps him even without a credential.

?It?s a form of self-development,? said Nehemiah, a father of two. ?The way I would speak when I have meetings to attend,? he added, ?would be much different than the way I had spoken if I had not taken this course.?

When non-profit edX offered its first MOOC in ?Circuits and Electronics? in 2012, 154,000 students from more than 160 countries signed up (though only 8,000 lasted to the final). Now edX has more than a million unique users in about 60 courses. For-profit rival Coursera has exploded with 4.1 million students, 406 courses and 83 partner institutions.

From radio to television to the Internet, technology has always promised to revolutionize higher education. So far, it?s enabled good teachers to lecture to thousands or even millions of students. But truly teach them, with individualized interaction and feedback?

It?s not clear the MOOCs can do that, either, and only 10 percent who sign up for a course are completing it. But with their more advanced interactivity, they are arguably the most sophisticated effort yet to solve the central problem of college access and affordability: the difficulty of ?scaling up? learning.

?This is virgin territory in terms of having tens or hundreds of thousands of people engaged in the same educational experience simultaneously in a way you can capture what you?re doing,? said Kevin Carey, director of the Education Policy Program at the New America Foundation. ?We?ve never had that. The assumption is we?ll learn lots of things and that will lead to better classes in the future.??

The MOOCs are just one part of this new landscape.

Sal Khan, a charismatic former hedge-fund adviser, discovered his knack for explaining things while tutoring his young cousins in algebra in 2004. In 2006, he uploaded his first YouTube video and two years later founded Khan Academy.

Today, Mountain View, Calif.-based Khan has 6 million unique users a month from 216 countries, who watch the 4,000-plus videos available on Khan Academy?s website. These are not full courses, but a connected series of free, bite-sized lessons about 10 minutes each taught by Khan and others in everything from math to art history.

Khan talks excitedly not just of shaking up education across distance, but time. He says students can learn what they need, when they need it, without having to take and pay for an entire course.

?Whether we?re talking basic literacy or quantum physics, it?s the ability to cater to one person?s needs,? Khan said.

Some at cutting-edge traditional universities are also rethinking notions of academic time.

One morning last spring, not far from the innovation conference, at Arizona State University, a handful of students worked through problems in a developmental math course that looks little like the traditional model. There?s no lecturer; software takes students through the material at their own speed, adjusting to their errors. An instructor is available to answer questions?a model that?s proven cheaper and more effective than the traditional class.

Yet what matters most is what isn?t here: Most students have mastered the material and moved on to other classes.

?We?ve organized higher education into this factory model where we bring a group of students in post-high school and march them through more or less in lockstep,? said Richard Demillo, director of the Center for 21st Century Universities at the Georgia Institute of Technology. ?People that don?t conform are rejected from the factory, and people that make it through are stamped with a degree.?

ASU has broken up the traditional model of two-semesters-per-year into six parts. Some classes have accelerated versions that run essentially at double-speed: six or 7.5 weeks. So students who quickly finish a flexible-time class don?t have to wait before starting a new one. They can move more quickly and cheaply toward their degree.

?We began to say, ?What are all these sacred cows about time??? said ASU President Michael Crow, who has transformed ASU into a laboratory of innovation. ?What we?re looking for is intensification by freeing up the clock.?

More than a century ago, the Carnegie Foundation invented the ?credit hour,? the basic unit of academic time, measuring hours spent in class but not necessarily what students learned.

Now, the foundation is reviewing that model and may move toward a competency-based approach awarding credit for what students learn, not how long.

In March, the Department of Education approved a competency-based program at Southern New Hampshire University, inviting other colleges to seek approval for programs that don?t mark time in traditional credit hours.

ASU?s challenges are a microcosm of the country?s and the world?s. Amid scarce resources, it?s trying to accommodate diverse and growing demand. Yet despite a 50 percent state funding cut during the Great Recession, ASU did something unusual: It kept growing, from 50,000 students to around 72,000 over the last decade. Completion rates are up, too.

Still, Crow?s careful to emphasize innovation?s purpose is to make traditional universities work better, not replace them. He wants technologies like those in use in the math class to free up faculty resources for upper-division and critical-thinking courses where personal interaction really matters, and for the other endeavors of a physical university.

?Technology cannot produce new ideas,? Crow said. ?Technology cannot produce new understandings. Technology cannot produce new connections between disciplines.?

In much of the world, the question isn?t whether innovation can make higher education more efficient and affordable. It?s whether it can help it function at all.

A year ago, the campus of Felix Houphouet Boigy University, the largest in the West African nation of Ivory Coast, was nearly deserted, an institutional casualty of recent post-election violence. During the conflict, so-called student groups had become armed militias, accused of racketeering and rape. Buildings were looted, and the university shut down for 17 months.

Today, the campus is open again but bursting at the seams and barely functional. It?s added 10,000 students, for a total of 60,000. But there?s a shortage of classrooms, and no books in the two libraries.

For students like Abdoulaye Coulibaly, it would be easy to see the appeal of other options. To reach his 8 a.m. class by bus, he leaves home around 5 a.m. He?s been robbed a half-dozen times en route.

Yet he?s skeptical.

?We?re going to be very lazy online,? he said. ?If you put my class online I?m going to take it and I?m not going to come to the university again. We need to come to class. They?re the teachers and they have to teach us. If we don?t understand, we need to ask questions. That?s the only way for us to understand.?

Fellow English student Stephanie N?Guessan was also unconvinced.

?Many of us don?t know how to manage the Internet very well,? she said. ?I myself am computer illiterate.?

Many experts argue the hype of technology transforming higher education in such places is overblown.

?Disadvantaged populations need higher-touch services, not self-services,? said Peter Stokes, an expert on education innovation at Northeastern University in Boston.

Still, roughly 40 percent of Coursera?s registered students come from developing countries, and close to half of edX?s.

India?s latest official five-year plan calls for increasing college enrollment by roughly 2 million students each year, to help it catch up with emerging economies like Brazil and China. Coursera co-founder Daphne Kohler says meeting its goals would require India to build 1,500 new universities when it can?t staff its current ones. Scaled-up teaching through technology is its only hope.

Francisco Marmolejo, a longtime Mexican university administrator who now leads the World Bank?s higher education efforts, said global policymakers are intrigued by technology like MOOCs, but also anxious. They fear such innovations will become an excuse to ignore the imperative of building local institutions.

Physical universities are ?a place where you train to become a citizen,? he said. ?It is not the new technologies against the old system. It is the blended component that I believe may be the key.?

Indeed, an experiment underway in California?s public universities has found students doing well when MOOCs used in conjunction with traditional classes, supplementing them. When they replace traditional classes, they have done worse.

In 1997, Marmolejo noted, the late management guru Peter Drucker predicted big university campuses would disappear within 30 years. Yet the importance of place, and human interaction, appears if anything to have been magnified.

Still, Drucker may well be proved correct in comparing the scale of the changes coming to higher education to the revolution unleashed by the printing press.

Universities ?need to change and they will change,? Marmolejo said. ?Technology will absolutely help them to change.?

Robbie Corey-Boulet reported from Abidjan, Ivory Coast.

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Education Without Representation

Source: http://diverseeducation.com/article/55027/

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Saturday, September 28, 2013

LifeSpan TR 1200i Folding Treadmill (2013 Model)


Features
  • 2.5-horsepower folding treadmill with spacious 20-by-56-inch running surface
  • Biomechanically correct deck suspension system supports up to 300 pounds
  • Multicolored LCD console tracks your time, calories, distance, speed, and more
  • Offers several weight loss, healthy living, sports training, and heart rate programs
  • EZ Drop folding system; measures 33 x 54 x 70 inches (W x H x D); lifetime warranty on frame and motor
  • Treadmill Doctor "Best Buy" Award for Best New Treadmill; Fitness Professor "Head of the Class" Best Treadmill under $1,000 for 2011

List Price: $1,499.99
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The LifeSpan TR1200i folding treadmill is durable, reliable, and loaded with valuable features, helping you walk, jog, or run with confidence in the comfort of your own home. The treadmill's pleasing design includes safe and convenient handlebar controls, which let you control your speed and incline without ever removing your hands from the handlebars. As a result, you can run or walk without fear of losing your concentration or balance while adjusting your pace. The TR1200i is also built for comfort and power, with a 2.5-horsepower motor, 2.5-inch front rollers, a spacious 20-by-56-inch running surface, and a biomechanically sound deck suspension system that supports people up to 300 pounds. And to help you track your workout progress, the treadmill automatically saves your exercise data. Once the info is saved, you can upload it to your personal online LifeSpan Fitness Club account, giving you access to exercise programs and detailed reports of your exercise and health results.





The multicolored LCD console tracks your time, distance, calories, and more. The centerpiece of the TR1200i, however, is the multicolored LCD console, which offers several simultaneous readouts and exercise programs to help you achieve your health and fitness goals. The display tracks your time, calories, distance, steps, heart rate, speed, and incline level, with large soft-touch keys helping you get started and control your momentum. More importantly, the console offers 17 preset workout programs that help you vary your exercise routine--a critical factor for people trying to get in shape. The TR1200i's workout programs, which are designed by exercise physiologists to keep you safe and motivated, are grouped by exercise motivation, so you can quickly choose a workout that's right for you. All programs include 20 different segments, each with its own speed and inline level set according to the purpose of the program.

In addition to the preset programs, the treadmill offers two My Zone heart rate control programs and two custom programs. The My Zone Constant program keeps your heart rate at a constant level--thereby using your heart rate as a fitness tool--while the My Zone Interval program lets you enter your own minimum and maximum hear rate. As you exercise, the treadmill speed and incline will automatically adjust to keep your heart rate at the preferred level. By contrast, the custom programs are fully adaptable to your favored workout formula. That's because you're in charge of setting the speed and incline level for each of the 20 program segments, and then saving them for future use.

As a bonus, when you purchase a LifeSpan TR1200i treadmill, you automatically receive a membership to the LifeSpan Fitness Club. This comprehensive online health management program, powered by the Interactive Health Partner, lets you select exercise programs, track and manage your fitness and health results, and receive motivating support as you work toward achieving your goals. The LifeSpan Fitness Club is easy to use: each time you work out on the TR1200i, the treadmill automatically saves your exercise


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Saturday, September 21, 2013

Folding Treadmill Cover (Outdoor Gray)


Features
  • Available in Indoor and Outdoor fabrics.
  • Zipper along one side for easy removal and enclosure.
  • Drawstring along bottom seam, made from durable cord and cord lock.
  • Protects treadmill against dust and debris.
  • Fabrics meet CPAI-84 and NFPA-701 fire codes.

List Price: $199.00
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Related Products

Product Description
Cover Size: 58" Long x 46" Wide x 74" High. This cover is shaped to fit a treadmill in the folded position with dimensions of 57" long x 45" wide x 74" high, or less. Height of cover slants from 74" high to 65" high, to accommodate your treadmill in the folded position. *Please be sure to measure your fitness equipment at the widest points. Indoor and Outdoor Fabric OptionsIndoor Fabric: Our indoor fabric is a 210D lightweight nylon available in Charcoal Grey, Black, or White.Outdoor Fabric: Our outdoor fabric is called V-Care, a 9oz. poly-vinyl blend that is mildew/mold resistant, UV resistant, water-proof, anti-static, and fire retardant. V-Care is available in Gray, and now in Black!


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LifeSpan Fitness TR3000i Folding Treadmill


Features
  • 2.75-horsepower folding treadmill with spacious 20-by-56-inch running surface
  • Biomechanically correct deck suspension system supports up to 350 pounds
  • Multicolored LCD console tracks your time, calories, distance, speed, and more
  • Offers several weight loss, healthy living, sports training, and heart rate programs
  • EZ Drop folding system; measures 35 x 52 x 75 inches (W x H x D); lifetime warranty on frame and motor
  • Fitness Professor "Head of the Class" Best Treadmill under $1,500 for 2011

List Price: $1,999.99
Special Offer: check this out!

Related Products

Amazon.com
The LifeSpan TR3000i folding treadmill is durable, reliable, and loaded with valuable features, helping you walk, jog, or run with confidence in the comfort of your own home. The award-winning treadmill's pleasing design includes safe and convenient handlebar controls, which let you control your speed and incline without ever removing your hands from the handlebars. As a result, you can run or walk without fear of losing your concentration or balance while adjusting your pace. The TR3000i is also built for comfort and power, with a 2.75-horsepower motor, 2.5-inch rollers, a spacious 20-by-56-inch running surface, and a biomechanically sound deck suspension system that supports people up to 350 pounds. And to help you track your workout progress, the treadmill automatically saves your exercise data. Once the info is saved, you can upload it to your personal online LifeSpan Fitness Club account, giving you access to exercise programs and detailed reports of your exercise and health results.





The multicolored LCD console tracks your time, distance, calories, and more. The centerpiece of the TR3000i, however, is the multicolored LCD console, which offers several simultaneous readouts and exercise programs to help you achieve your health and fitness goals. The display tracks your time, calories, distance, steps, heart rate, speed, and incline level, with large soft-touch keys helping you get started and control your momentum. More importantly, the console offers a variety of preset workout programs that help you vary your exercise routine--a critical factor for people trying to get in shape. Many of the workout programs on the TR3000i are grouped by exercise motivation, so you can quickly choose a workout that's right for you. The program categories include weight loss (choose from steady pace, long slow distance, cardio run, short interval, or uphill walk); healthy living (with uphill climb, pyramid climb, plateau climb, ladder, and uphill interval options); and sports training (with seven programs designed to help you train for an upcoming sporting event).

In addition to the preset programs, the treadmill offers two My Zone heart rate control programs and two custom programs. The My Zone Constant program keeps your heart rate at a constant level--thereby using your heart rate as a fitness tool--while the My Zone Interval program lets you enter your own minimum and maximum hear rate. As you exercise, the treadmill speed and incline will automatically adjust to keep your heart rate at the preferred level. By contrast, the custom programs are fully adaptable to your favored workout formula. That's because you're in charge of setting the speed and incline level for each of the 20 program segments, and then saving them for future use.

As a bonus, when you purchase a LifeSpan TR3000i treadmill, you automatically receive a membership for the LifeSpan Fitness Club. This comprehensive online health management program, powered by the Interactive Health Partner, lets you select exercise programs, track and manage your fitness and health results, and receive motivating support as you work toward achieving your goals.


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Sunday, September 15, 2013

Have You Ever Dated Someone You Worked With?

Have You Ever Dated Someone You Worked With? You spend a large part of your day at the office, and many of your closest friends may also be colleagues or people you've met through work. At the same time, being intimate with someone you work with offers a number of workplace challenges, the least of which being staying productive or keeping your personal life out of your work life when the person you're seeing is nearby. We want to know: have you ever walked that line? Did it work out for you?

We got to thinking about this when we read a Glassdoor survey that one in ten people have made love in the office. The majority of those respondants (a slim majority, only 51%) said it's normal and okay to be romantically involved with a coworker, and 37% said they'd been personally involved with a coworker themselves. At the same time, over 54% of them noted that office romances always wind up ending in awkwardness at work, which is never a good thing.

What about you? Have you gotten into a romantic relationship (or are you in one?) with someone you work with, or is it a terrible idea destined to end in tears? If so, how do you stay productive and professionally detached? Let us know your thoughts in the discussions below.

Source: http://feeds.gawker.com/~r/lifehacker/full/~3/6FcBaw8CMnM/have-you-ever-dated-someone-you-worked-with

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Tuesday, September 10, 2013

Google relaunches Zagat website and mobile apps

After acquiring the crowd-sourced dining guide Zagat in 2011 to much fanfare, Google has launched a revamped website and free mobile apps as part of the brand?s rebirth.

The new Zagat has launched in nine US cities, with plans to expand to 50 more international destinations in the coming months.

For the first time, the app is being offered for free, no registration required.

An early look at the revamped site and a statement from Zagat, meanwhile, hints at a stronger editorial approach that may rely less on user-generated reviews, and more on local editors.

"These days, the challenge in deciding where to go is not about a lack of information or user reviews, but finding accurate information and trusted opinions so you can quickly make informed decisions," said Gannon Hall, head of Zagat.

For example, already the site provides curated lists compiled by Zagat editors like the spiciest restaurants in London, news on the latest restaurant openings and reviews of dishes.

Before being acquired by Google and leaning heavily on digital, Zagat was also known as the burgundy guide for the color of its book cover and the original crowd-sourced restaurant guide, as ratings are based on reviews submitted by regular diners.

Google is also tapping into Zagat?s review system in a major tie-in with its Google mapping service, as users can choose nearby restaurants based on reviews.

For its part, Michelin is likewise focusing on its digital operations, having added an instant online reservation service with Livebookings.com for listed restaurants across Europe.

The Zagat app is available on both Android and on iPhone.

story continues below

Copyright 2013 The Salt Lake Tribune. All rights reserved. This material may not be published, broadcast, rewritten or redistributed.

Source: http://www.sltrib.com/sltrib/money/56672855-79/zagat-google-reviews-guide.html.csp

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Sunday, September 1, 2013

APNewsBreak: Sikhs added to hate crime stats

FOR USE AS DESIRED WITH SIKH TEMPLE SHOOTING ANNIVERSARY STORIES - FILE - In this Aug. 6, 2012, file photo worshipers from the Sikh community gather for a candle light vigil after prayer services in Brookfield, Wis. Twelve months ago, a white supremacist walked into a the temple and opened fire on worshippers he didn't know, killing six and devastating a Sikh community whose religion is based on peace and forgiveness. Monday is the one-year anniversary of the shooting. (AP Photo/M. Spencer Green, File)

FOR USE AS DESIRED WITH SIKH TEMPLE SHOOTING ANNIVERSARY STORIES - FILE - In this Aug. 6, 2012, file photo worshipers from the Sikh community gather for a candle light vigil after prayer services in Brookfield, Wis. Twelve months ago, a white supremacist walked into a the temple and opened fire on worshippers he didn't know, killing six and devastating a Sikh community whose religion is based on peace and forgiveness. Monday is the one-year anniversary of the shooting. (AP Photo/M. Spencer Green, File)

FOR USE AS DESIRED WITH SIKH TEMPLE SHOOTING ANNIVERSARY STORIES - FILE - In this undated file photo provided by the Federal Bureau of Investigation is Wade Michael Page. Page walked into the Milwaukee-area Sikh temple a year ago Monday, Aug. 5, 2013, and opened fire. He killed six priests and worshippers and wounded five others, and then fatally shot himself after he was wounded in the parking lot by a police sniper. Authorities investigated the Page's background for months before concluding that his motive for attacking the temple died along with him. (AP Photo/FBI, File)

FOR USE AS DESIRED WITH SIKH TEMPLE SHOOTING ANNIVERSARY STORIES - FILE - In this Aug. 5, 2012, file photo bystanders stand outside the scene of a shooting at the Milwaukee-area Sikh temple in Oak Creek, Wis. Twelve months ago, a white supremacist walked into a the temple and opened fire on worshippers he didn't know, killing six and devastating a Sikh community whose religion is based on peace and forgiveness. Monday is the one-year anniversary of the shooting. (AP Photo/Jeffrey Phelps, File)

(AP) ? The Justice Department will begin keeping numbers on hate crimes committed against Sikhs and six other groups, in connection with Monday's one-year anniversary of the killing of six Sikh worshippers in Oak Creek, Wis.

Attorney General Eric Holder made the announcement Friday in a blog post, which The Associated Press obtained ahead of its official release. Holder said FBI Director Robert Mueller had approved a recommendation from the agency's advisory policy board to track hate crimes against Sikhs, Hindus, Arabs, Buddhists, Mormons, Jehovah's Witnesses and Orthodox Christians.

"Having accurate information allows law enforcement leaders and policymakers to make informed decisions about the allocation of resources and priorities ? decisions that impact real people, and affect public safety in every neighborhood and community," Holder wrote in the blog post. "Today, I am proud to report that we have taken steps to collect this information."

The addition had long been sought by members of the Sikh community.

Holder also announced a $500,000 grant for mental health and trauma services to those affected by the Oak Creek shooting, including survivors and family members.

A year ago Monday, Wade Michael Page, who had ties to white supremacist groups, walked into the Milwaukee-area Sikh Temple of Wisconsin and opened fire. He killed six priests and worshippers and wounded five others, and then fatally shot himself after he was wounded in the parking lot by a police sniper. Holder on Friday called the attack a "heinous act of hatred and terror."

Pardeep Kaleka, son of former temple president Satwant Singh Kaleka, who died in the massacre, said he appreciated anything that can draw attention to people being victimized for things like their race, religion or gender.

"Progress is sort of a climb, and it takes a step at a time. This is one of those steps toward progress," he said.

Amardeep Singh, program director of the Sikh Coalition, said that while he welcomed the announcement as a "critical first step," the underlying conditions that caused the killings remain.

"The last year has once again seen violent shootings and beatings of Sikhs throughout the country," he said. "It will take more than tracking hate crime statistics to stem the tide."

Holder wrote that since the Sept. 11, 2001 terrorist attacks, the Justice Department has investigated more than 800 incidents involving violence, threats, assaults, vandalism and arson targeting Arabs, Muslims, Sikhs, South Asians and those perceived to be members of these groups.

Federal officials in Milwaukee held a remembrance Friday for the local Sikh community, where U.S. Attorney James Santelle read Holder's announcement of the new policy. The event drew several hundred people, including the six victims' families, temple members and Wisconsin's senators, Ron Johnson and Tammy Baldwin.

Temple officials introduced the victims' relatives, who lit candles in memory of their loved ones. Dr. Kulwant Dhaliwal, the temple president, said his community was grateful for the chance to raise awareness of Sikh values and honor those who lost their lives.

Oak Creek Mayor Stephen Scaffidi told the audience he refused to let last year's rampage be his city's lasting legacy. When the nation thinks of Oak Creek, he said, it should be as a city of compassion and resilience, not as a town targeted by a hateful individual.

Baldwin said she was inspired by way the Sikhs reacted in the shooting's aftermath ? with gentleness and peace, not with calls for vengeance.

"You've reminded us of the American values that hold us together as one community," she said. "You've reminded us of the values that define us as one people."

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Associated Press writer Dinesh Ramde in Milwaukee contributed to this report.

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Follow Fred Frommer on Twitter: http://twitter.com/ffrommer

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/386c25518f464186bf7a2ac026580ce7/Article_2013-08-02-US-Sikhs-Hate-Crimes/id-cb36db3d532e48509c2dd5eb98f8117e

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