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Draut, T
Higher education, higher cost and higher debt: Paying for college in the future
Demos: A Network for Ideas and Action
Short Description:
This report focuses on issues of college access and affordability, examining trends in enrollment, completion, and cost, and provides a proposal developed by Demos to strengthen the federal financial aid system so it again delivers on the promise of ensuring access to college regardless of family income.
This testimony before the United States Senate Committee on Health, Education, Labor and Pensions, describes what the author refers to as the "debt for diploma" system, and its impact on young peoples' choices about college, and opportunities for upward social mobility. The report focuses on issues of college access and affordability, examining trends in enrollment, completion, and cost, and provides a proposal developed by Demos to strengthen the federal financial aid system so it again delivers on the promise of ensuring access regardless of family income.
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Associated Keywords:
Affordability, Tuition and College Costs
Borrowing/Student Debt
College Access
Educational Attainment/College Degree Completion
Financial Aid
Low-Income Students
Need-based Aid
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School readiness: Closing racial and ethnic gaps
The promise and practice of employer educational assistance programs: 2004 State of the field strategies and trends
Breaking barriers: A case study of two high performing high schools
After Michigan, what? Next steps for affirmative action
Destination university: A guide to college for students and their families (English Version)
Sallie Mae: First in my family scholarship
College on credit: How borrowers perceive their education debt
Dropout rates in the United States: 2004
The effects of merit-based financial aid on course enrollment, withdrawal, and completion in college
Do merit scholarships promote college access? Evidence from two states
Moving on: State policies to address academic brain drain in the South
Capturing the college potential of students from underserved populations: An analysis of efforts to overcome social and financial barriers to college
Improving college access for minority, low-income, and first-generation students
Crisis at the core: Preparing all students for college and work
All students reaching the top: Strategies for closing academic achievement gaps
Knocking at the college door: Projections of high school graduates by state, income, and race/ethnicity
Trends in college pricing 2003
Trends in student aid 2003
Raising the graduation rates of low-income college students
College affordability in jeopardy: The rising price of higher education
Losing ground: A national status report on the affordability of American higher education
Responding to the crisis in college opportunity
College access in Indiana and the United States: A 2005 status report
Student debt levels continue to rise: Stafford indebtedness: 1999 update
Latino achievement in America
Add and subtract: Dual enrollment as a state strategy to increase postsecondary success for underrepresented students
A new core curriculum for all: Aiming high for other peoples' children
At what cost? The price that working students pay for a college education
Myths and realities for undocumented students attending U.S. colleges and universities
Education as crime prevention: Reinstating Pell Grant eligibility for the incarcerated
Higher education reform: Incorporating the needs of foster youth
35th Annual survey report on state-sponsored student financial aid: 2003-04 Academic year
Perceptions of college financial aid among California Latino youth
Internet inequalities: Financial aid, the internet, and low-income students
Who goes to preschool and why does it matter
Segal AmeriCorps Education Award
NSLDS student access: National sudent loan data system
NDSFA: Recommendations for improving federal aid delivery
Paying for persistence: Early results of a Louisiana scholarship program for low-income parents attending community college
Diversity, school, family, and community connections
Creating college opportunity for all: Prepared students and affordable colleges
College access, financial aid, and college success for undergraduates from foster care
The art of student retention
Position paper on the reauthorization of higher education act
Indiana project on academic success: Retention Bibliography
Working their way through college: Student employment and its impact on the college experience
A little knowledge is a dangerous thing: How perceptions of costs and benefits affect access to education
Financial access: What it is, what it isn't, and how to educate people about it
Making college affordable: A work-book on financial aid, loans, and scholarships for college-bound students and their families
Higher education for undocumented students: The case for open admission and in-state tuition rates for students without lawful immigration status
The Navigator
Early financial aid commitment: Response to Indiana's education roundtable
Increasing success for underserved students: Redesigning introductory courses
Policy on dual credit courses taught in high schools by high school faculty
Workbook of state affordability rates 2004
Confronting the graduation rate crisis in the south
National Pathways to College Network
Transitions to college: From theory to practice
Campus commons? What faculty, financial officers, and other think about controlling college costs
Access and persistence: Fall 2009
Providing effective financial aid assistance to students from foster care and unaccompanied homeless youth
What does a college degree cost? Comparing approaches to measuring "cost per degree"
Engaging Faculty and Staff: An Imperative for Fostering Retention, Advising, and Smart Borrowing
Survey of Entering Student Engagement (SENSE)
The Pangloss Index: How states game the No Child Left Behind Act
The learning communities demonstration: Rationale, sites, and research design
Promoting Full-Time Attendance Among Adults in Community College
Strengthening state policies to increase the education and skills of low-wage workers
Cherokee Nation Higher Education Scholarship Programs
School strategies and the "college linking" process: Reconsidering the effects of high schools on college enrollment
The Sallie Mae Fund
Do support services at community colleges encourage success or reproduce disadvantage?
2007-08 Directory of colleges cooperating with the SAT program fee-waiver service
Federal Aid First
Education Finance Council (EFC)'s financial literacy homepage
Indiana's guide to paying for college
Parent expectations and planning for college: Statistical analysis report
Avoidable Losses: High-Stakes Accountability and the Dropout Crisis
Engaging faculty and staff: An imperative for fostering retention, advising, and smart borrowing
The credit crunch and student loans: Don't react before getting the facts
Delta project on postsecondary education costs, productivity, and accountability
Lumina Foundation Lessons: Students aren't just data points, but numbers do count
2006-2007 National directory of scholarships, internships, and fellowships for Latino youth
Congressional Hispanic Caucus Institute: Youth site
StateVoucher.org (Education and Training Vouchers)
Teacher credentials and student achievement in high school: A cross-subject analysis with student fixed effects
The funding gap 2007
The funding gap (Spanish version)
Project stepping stone: A college preparation program for Hispanic youth
Hispanic College Fund
American Indian Scholarships
Scholarships for American Indians
Scholarships for Minority Accounting Students
AMS Scholarships and Fellowships
Gap or gaps? Challenging the singular definition of the achievement gap
Jackie Robinson Foundation Scholarship Program
Actuarial Scholarships for Minority Students
Turning around chronically low-performing schools
National evaluation of GEAR UP: A summary of the first two years
Student Aid Simplification: Looking Back and Looking Ahead
Fixing No Child Left Behind
Student debt and the class of 2007
State higher education finance: 2007
Student loan forgiveness programs: An evolving workforce development tool
Trends in student aid 2009
The impact of increases in Pell Grant awards on college-going among lower income youth: Results from a natural experiment
Characteristics of private student loan borrowers who do not use federal education loans
How much are college students borrowing?
Course corrections: Experts offer solutions to the college cost crisis
Questions that matter: Setting the research agenda on access and success in postsecondary education
Our impoverished view of education reform
Swimming against the tide: The poor in American higher education
Primary progress, secondary challenge
School context, student attitudes and behavior, and student achievement: An exploratory analysis
The power to change: High schools that help all students achieve
Bridges to success
Foundation for excellent schools
National association of street schools
Puente Project
Trends in postsecondary access and interventions needed
Creating options 2006: Financial aid opportunities for individuals with disabilities
Access and persistence: Fall 2005
Access and persistence: Summer 2005
The NASFAA journal of student financial aid
Lumina Foundation focus
Education watch online
On the road to college: Developing mobile and regional outreach services
Understanding college access for under-represented students: Trends, issues, and strategies
Focus on families: How to build and support family-centered practices after school
Grappling with the access problem
Unintended consequences of tuition discounting
Postsecondary Education English Spanish Glossary
Financial aid and postsecondary opportunity for nontraditional age pre-college students: The roles of information and education delivery systems
Student aid and tax benefits: Better research and guidance will facilitate comparison of effectiveness and student use
Foster care independence act of 1999 and John H. Chafee Foster Care Independence Program
Low-income adults in profile: Improving lives through higher education
Education pays 2004: The benefits of higher education for individuals and society
Basic facts about in-state tuition for undocumented immigrant students
Achievement in America
Postsecondary education opportunity: Indiana state reports
Rural education at a glance
National college access network
First in the family: Advice about college from first generation students
1992-93 Bachelor's degree recipients and their opinions about education in 2003
Indiana dollars for scholars
Financial aid: A shared agenda to achieve access and success for under-served students
Trends in college pricing 2005
State financial aid: Policies to enhance articulation and transfer
Student loan forbearance and its relationship to default
Getting ready to pay for college: What students and their parents know about the cost of college tuition and what they are doing to find out
How is school reform tied to increasing college access and success for low income and minority youth
Persistence and attainment of beginning students with Pell Grants
Pell Grant recipients in selective colleges and universities
High school graduation rates by race/ethnicity, limited English proficiency, free and reduced price lunch
Annotated list of Pathways research, papers, reports, and other publications by focus area
On course for success: A close look at high school courses that prepare students for college
What role can dual enrollment programs play in easing the transition between high school and postsecondary education
Increasing the preparedness of at-risk students
Under-prepared community college students: Implications of attitudinal and experiential differences
The contributions of economics to the study of college access and success
How do financial aid policies affect colleges? The institutional impact of the Georgia HOPE scholarship
American Indian Education Foundation: Tools for success scholarship handbook
Opening doors: Support success: Services that may help low-income students succeed in community college
National Urban League Scholarships
National College Access Program Directory
American Indian higher education consortium
Academic pathways to college: Policies and practices of the fifty states to reach underserved students
Parents are too optimistic about scholarships
Quick facts about student debt
Hispanic Scholarship Fund
Tracking achievement gaps and assessing the impact of NCLB on the gaps
Policy indicators for higher education WICHE states
What every student should know about financial aid
Orange juice or orange drink? Ensuring that "advanced courses" live up to their labels
A new way on school integration
Promoting school readiness through universal preschool
Racial transformation and the changing nature of segregation
Ensuring academic success for English learners
Understanding recent changes in child poverty
Money on the table: State initiatives to improve financial aid participation
Serving adult learners in higher education: Principles of effectiveness
Building bridges to college and careers: Contextualized basic skills programs at community colleges
Teaching and learning across the class divide
Diversity workshops: Gender equity--a closer look
AB 540 is a change in the law: Higher education is now more affordable for California's immigrant students
Immigration debate resources
Setting students' sights on college: Chicago public schools
Squeeze play: How parents and the public look at higher education today
Forging new partnerships: Adult and developmental education in community colleges
Lumina Foundation for Education: Adult learners
Connected by 25: Financing entrepreneurship programs for youth transitioning out of foster care
Beating the odds: An analysis of student performance and achievement gaps on state assessments: 2005-06 School year
Reaching Higher: Strategic Directions for Higher Education in Indiana
In need of improvement: NCLB & high schools
Rescuing Brown v. Board of Education: Profiles of twelve school districts pursuing socioeconomic school integration
Education watch Indiana: Key education facts and figures
From cradle to career: Connecting American education from birth through adulthood; California state report
New kids on the block: Results from the Moving to Opportunity experiment
Center for native education
Baltimore city's high school reform initiative: Schools, students, and outcomes
Child care assistance in 2004: States have fewer funds for child care
Enhancing student services at Lorain County Community College: Early results from the Opening the Doors demonstration in Ohio
Afterschool programs as an oasis of hope for black parents in four cities
Student loans and public accountability
Postsecondary success begins with high school preparation
Postsecondary education tuition and required fees in Indiana: 2007-09
Learning in a new key
Improving math performance
Evaluation of new century high schools: Profile of an initiative to create and sustain small, successful high schools
Early Head Start and teen parent families: Partnerships for success
Community college fast facts
Child care and development block grant participation in 2005
Top 50 Colleges for African Americans
Top 25 colleges for Latinos
Manchester College: Fast forward program
College Board scholarship search
Pacific Northwest scholarship guide - online
Starfish Initiative
Funding Gaps 2006
Tuition and fees in public higher education in the West
Condition of education 2002: Special analysis, nontraditional undergraduates
The growing importance of inherited educational opportunity
Funding education beyond high school: The guide to federal student aid 2007-2008
Guia de programas federales de ayuda estudiantil 2007-2008 (The guide to federal student aid)
Hacia Adelante - Pathways to College - A Guide for Latino Families
Initiative on Educational Excellence for Hispanic Americans Website and Secondary School Toolkit - Spanish Version
The professional mentor program plus: An academic success and retention tool for adult learners
The High Schools Hispanics Attend: Size and Other Key Characteristics
Can you spot a scholarship scam? Be a smart consumer
Federal student financial aid: A national profile of programs in Title IV of the higher education act
Financial aid FAQ (frequently asked questions)
The context of "choice" in college pathways
Frequently asked questions about college costs
How outreach programs are implemented affects student achivement
Achievement gaps: An examination of differences in student achievement and growth
New faces, old patterns: Segregation in the multiracial south
Thinking outside the box: Policy strategies for readiness, access, and success
Improving urban student achievement through early childhood reform: What state policymakers can do
The unraveling of No Child Left Behind: How negotiated changes unravel the law
Knowledge for practice: A training program for college access advisors
Over half of low-income children live with a parent who works regularly
Graduating with debt: The biggest threat to young American's financial well-being?
Alliance Bernstein College Savings Crunch
The feasibility of delivering aid for college through the tax system
The college and financial aid guide for: AB540 undocumented immigrant students
Indiana's 2006 graduation rate
Financial aid, access, and America's social contract with higher education
Talent Development Middle Schools
Trip to college
Kids Count state-level data online
Fifty years after Brown v. Board of Education: A two-tiered education system
Indicators of opportunity in higher education
Indiana's postsecondary indicators: 2004 performance and descriptive indicators
Pathways to a four-year degree: The higher education story of one generation
Foster youth educational attainment: An annotated bibliography of online resources
Changes in Pell grant utilization at Indiana Title IV institutions from 1992 to 2003
Pre-college outreach programs for low-income students: A literature review
Pell Institute for the Study of Opportunity in Higher Education
Indiana higher education opportunity data book
Education Trust, Inc
Early commitment financial aid programs
USA Funds
The funding gap 2004: Many states still shortchange low-income and minority students
Why segregation matters: Poverty and educational inequality
Expanding access and opportunity: The impact of the Gates Millennium Scholars Program
Helping children move from bad schools to good ones
Vital voices: Building constituencies for public school reform
Yes we can: Telling truths and dispelling myths about race and education in America
Parent power and urban school reform: The story of Mothers on the Move
The seventh generation: Native students speak about finding the good path
Enhancing high school reform: Lessons from site visits to four cities
CPS: A leader in AP growth
2003-04 National postsecondary student aid study: Undergraduate financial aid estimates for twelve states
College costs estimator service
American student achievement institute
The challenge of scaling up educational reform: Findings and lesson from First Things First
Breaking through: Helping low-skilled adults enter and succeed in college and careers
Rising Tuition and Enrollment in Public Higher Education
2007-08 National postsecondary student aid study (NPSAS:08): Student financial aid estimates for 2007-08
Paying for college: Distinguishing between cost and price
Counting on graduation: An agenda for state leadership
Closing the gap in science achievement: Using NAEP science assessment scores to analyze state trends
Back to College (Back2College)
Learning better together: The impact of learning communities on the persistence of low-income students
Student Debt and the Class of 2010, November 2011
Unauthorized Alien Students, Higher Education, and In-State Tuition Rates: A Legal Analysis
What every college access practitioner should know: About sources of funding and other support
Best practices: Resource for TRIO directors
Best practices: TRIO student support programs & Upward Bound
Scholarship Gateway
Career Voyages
College For Every Student
The Student Guide for High School Seniors/College Students
Hispanic Scholarship Fund
Grants for Individuals: Minorities
Ronald E. McNair Postbaccaluareate Achievement Program: 2002-05 facts and figures at a glance
National evaluation of Upward Bound: Summary of first-year impacts and program operations
National study of student support services. Third-year longitudinal study results and program implementation study update
Korean American Scholarship Foundation
United Negro College Fund (UNCF) Scholarships
Engaged for success: Service-learning as a tool for high school dropout prevention
A mission of the heart: What does it take to transform a school?
A Better Chance.org
Indiana's guide to paying for college: Step-by-step tips to help high school seniors apply for financial aid
Getting ahead or losing ground: Economic mobility in America
Facts about college access and affordability
Raising graduation rates in an era of high standards: Five commitments for state action
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text:
Share Photo
Shoppers walk past the iconic L.L. Bean boot outside the L.L. Bean retail store, Friday, March 8, 2013, in Freeport, Maine. L.L. Bean saw enough growth in revenue and profits in its fiscal year to warrant a healthy employee bonus approved Friday, but the retailer would've seen even stronger performance if the president and Congress would reach an agreement on the economy, the company's CEO Chris McCormick said. (AP Photo/Robert F. Bukaty)

subset: commoncrawl


text:
Images: Arctic Trailblazer intern recruits [Image 1 of 2]
Photo by John Budnik
Maj. Mark DeRocchi, deputy commander of the Alaska District, talks to new interns of the Arctic Trailblazer Internship Program from the 2nd Engineer Brigade about the different divisions within the district and their missions. The program's goal is to update Soldiers on the best engineering practices, increase safety awareness to the standards of the civilian industry and support the training goals of the brigade.
This work, Arctic Trailblazer intern recruits [Image 1 of 2], by John Budnik, identified by DVIDS, is free of known copyright restrictions under U.S. copyright law.
Date Taken:12.02.2013
Date Posted:12.02.2013 17:05
Photo ID:1064078
Size:1.82 MB
Location:ANCHORAGE, AK, US
Hometown:ANCHORAGE, AK, US
Hometown:LEE, NH, US
Gallery Images
Associated News
Corps partners with local brigade to expand training opportunities for soldiers


text:
There are many open source projects which exist not only for years, but also for decades (which e.g. NetBSD also nearly does with 19 years). For all of them, documentation is an important issue, and most, if not all projects have not mastered writing documentation.
In this task, you have to choose on of the projects listed below. If you want to research another project not listed, please ask a judge about it.
Then, you have to research the documentation of these projects (what sources are there, how are they used, which software do they use, which formatting language, etc. (what sources are there, how are they used, which software do they use, which formatting language, etc.), plus finding a way of determining the project's opinion of their documentation (a docs@ mailinglist might be a good start, like e.g. firstname.lastname@example.com is). All in all, you should do nearly the same as the task "Create an overview of NetBSD documentation", except that you don't have to be that much in depth, but you should also research the technical and administrational background.
In the end, you should write a paper with the results of the survey and a small text, at least one page at all.
This task can be fulfilled multiple times, once for each project. It will be recreated once it's claimed.
Possible projects: Debian, FreeBSD, OpenBSD, DragonFly, Gentoo, Arch Linux, Slackware, PostgreSQL
|File name/URL
|File size
|Date submitted
|November 28 2012 21:01 UTC
|November 28 2012 21:09 UTC
I would like to work on this task.
we previously talked in IRC about this. You wanted to do Debian, so go for it.
Regards, Julian
This task has been assigned to Vochescu Alexandru. You have 72 hours to complete this task, good luck!
The work on this task is ready to be reviewed.
Congratulations, this task has been completed successfully.


text:
May 26, 2016
Funeral services for Dorothy Mae Dykes Chisolm, 60, of Quitman will be held Saturday, November 17, 2012 at 2 P.M. from the Chapel of Bumpers Funeral Home with Rev. Jon Brown officiating. Burial will follow in the Brightwater Cemetery. Visitation will be Friday, November 16, 2012 at Bumpers Funeral Home from 6 to 8 P.M.
Mrs. Dorothy passed away Tuesday, November 13, 2012 from the Lakeside Living Center in Quitman.
Survivors include her husband John Chisolm of Quitman, MS; daughter Edna Elizabeth Greenwood of Lisman, AL; brothers Ricky Dykes of Meridian, MS; Wayne Dykes of Bridge City, LA; George Dykes, Jr. of Pima, AZ; sister Barbara Johnson of Quitman, MS; two grandchildren Aurora Greenwood and Miguel Greenwood; and a host of nieces and nephews.
She was preceded in death by her parents George and Edna Turner Dykes; and two brothers Lethal Jay Dykes and Joe Norris Dykes.
Visit bumpersfuneralhome.com to sign the online register and post condolences to the family.
Bumpers Funeral Home of Butler will be in charge of arrangements.
Click Here to access the online Public Inspection File
Viewers with disabilities can get assistance accessing this station's FCC Public Inspection File by contacting the station with the information listed below. Questions or concerns relating to the accessibility of the FCC's online public file system should be directed to the FCC at 888-225-5322, 888-835-5322 (TTY), or email@example.com.


text:
Key things you need to know aboutDr. Beall:
Dr. Beall's Experience
Research training, expertise and qualifications
Dr. Beall's Specialties
- Diagnostic Radiology
More About Dr. Beall's Background
Patient Satisfaction
Patients' feedback on their experience with Dr. Beall
Likelihood of recommending Dr. Beall to family and friends is 3.3 out of 5 5 1 27
See More Survey Results
8 Facts About Patient Satisfaction Surveys
Patient satisfaction surveys provide a standardized way of reporting about healthcare experiences. But there can be more than meets the eye when reviewing scores. Here's what you should know
Appointments & Offices
Check insurance plans, locations and make an appointment
Accepting new patients?
- Yes
- 1 S Bryant Ave
- Edmond, OK 73034
- (405) 427-6676
- Directions
- 1800 Renaissance Blvd
- Edmond, OK 73013
- (405) 601-2325
- Directions
7 Tips to Prepare for Your Appointment
The key to a successful appointment is communication. To get the most out of your visit, prepare ahead of time so you can lead the conversation with your doctor. These 7 tips will get you ready
Oops, you entered a bad link for Dr. Beall!
The link you entered contains bad characters or identifiers. Please enter the link exactly as it appears in your email or text message.
Thank You
This confirms that we have received your survey about Dr. Beall. Please note: Your insights will help other patients make informed decisions. Please note: it may take 1 business day for your survey response to appear.
Thank You
Our records show that you have already confirmed your survey for Dr. Beall. Please note: it takes 24 hours for your survey results to show up on the doctor's profile.


text:
Have Legal Questions? Ask a Lawyer Now.
Between federal and state laws, persons in Florida cannot legally purchase firearms if they have been convicted of a felony; are under indictment for a felony; had adjudication withheld on a felony, unless three years have elapsed since probation or other conditions set by the court have been fulfilled; have been adjudicated as mentally defective; received a dishonorable discharge from the Armed Forces; are an alien illegally in the U.S.; are an unlawful user or addicted to controlled substances; or are a fugitive from justice.
In addition, if there is a domestic violence injunction on file against the prospective purchaser, and they have had notice of a hearing and an opportunity to attend, the purchase of a firearm will not be approved.
If your misdemeanor was labeled as domestic violence, which can be found out by getting a copy of it from California, then you would not be able to purchase a firearm in Florida.
Please don't forget to ACCEPT so that I may be compensated for my time.
DISCLAIMER: Answers from Experts on JustAnswer are not substitutes for the advice of an attorney. JustAnswer is a public forum and questions and responses are not private or confidential or protected by the attorney-client privilege. The Expert above is not your attorney, and the response above is not legal advice. You should not read this response to propose specific action or address specific circumstances, but only to give you a sense of general principles of law that might affect the situation you describe. Application of these general principles to particular circumstances must be done by a lawyer who has spoken with you in confidence, learned all relevant information, and explored various options. Before acting on these general principles, you should hire a lawyer licensed to practice law in the jurisdiction to which your question pertains.
The responses above are from individual Experts, not JustAnswer. The site and services are provided "as is". To view the verified credential of an Expert, click on the "Verified" symbol in the Expert's profile. This site is not for emergency questions which should be directed immediately by telephone or in-person to qualified professionals. Please carefully read the Terms of Service (last updated February 8, 2012).


text:
Also fomr reading maintenance records, I notice that whenever a plane has trouble iwth its gear retracting properly, they always return right back.
Why is this? Is there really a danger to flying with the gear partially or fully down?
If they can land ok at the airport they just departed form, why not at the one they are going to?
Please check your spelling (press "Check Spelling" above)
©Copyright 2016 Demand Media, Inc. All Rights Reserved


text:
Artist Details
The Munich-based DJ and record producer Sebastian Weiss, a.k.a. Sepalot lives out his ideals of change, while simultaneously remaining faithful to his love of artistic consistency.
As producer and DJ to the Munich rap-combo Blumentopf, he ha... more
"This is definitely something i would love playlisting on the radio - frank N Dank is the maaannn - very good track indeed." — Laurent Garnier
"Yeah. Surrender is da 1 4 me !!!!!!! Dope *ss beat - need 2 rinse that shhhhhhhhh" — Simbad
"Ooh wee! "she likes me" is a sweet pastry ready to be gobbled up! Would love to play it at my gigs." — Bobbito Garcia


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1 LIKES LikeUnLike
I want to call Ellen DeGeneres, so tell me her cell number if anyone knows.
Tags: Contact, Degeneres, Ellen
Dear Miss Ellen DeGeneres :
I would like to present my problem to you after i knocked all thr doors but only one door never left me is gad,after prayer and tears to gad gide me to search to find who can help thoes poor people.
Every body appresiahting there white hands in helping realy needs people like you (gad bless you) my name is nahed alkilnai im palastenian girl born in dubai united arab emirates ,im from poor family ,my father died since 9 years and im the eldest in my family i studed nursing but with poor salary which i have 3 sisters and 2 brothers not working and one of my brother having handicup son ,im looking for all my family from food,rent, school fees,medication .
My mother old ,sick in diabetic ,hepatomegaly(her liver enlarging) and newly like lymphoma found in her liver,no body know how to treat her,i tooke loan to do surgery for her and for my brother son to do surgery for both legs which i spend 170,000 dirhams.
my salary only 7,000dirhams i paying house rent monthly 1500dirhams,school fess 1000dirhams for loan 4300dirhams monthly , what it will remain to live.
finally i lost my job beacuse there is new roals to keep all local citizen in most of jobs then they have to terminate non local people to keep vacancy position for them so i lost my job ,from where i will pay for bank loan they will throw me in jeal,please help me please at least for loan monthly payment till i will find other job please.
I asked every where even i went to charity in my country only they will help me in my mother medication from where i will get money .
please i read in internet how you helping poor people and i will send all document to you if you needed but some in arabic like (rent)and banking statment i will submet it to you.
please im waiting repply from your side ..
my regards
nahed alkilani
UAE (Dubai)
Report (0) (0) |
2 years, 11 month(s) ago
Ellen, the email I sent was not finished before I sent it out yes I am disabled and my boyfriend is unemployed now for 2 years BUT thats not why I am contacting you. I know a man name Jack Ulman who has CANCER all through his chest, lungs, and now in his spin. He was driving home from getting a mold of his body for a new treament for the cancer. His van he was driving the wheel completely flew off and while driving it he some how had the strength to control the van into the side of the medium of the highway. Anyway, he has helped so many people in his life and I just thought he desirves a hand and to be ignoliged for his good doings of helping others. Please help him in this horid time. Josie Copley firstname.lastname@example.com Thank you so much also for making me laugh at least for that hour a day. Thank you , Josie 740-302-2424
Report (0) (0) |
4 years, 5 month(s) ago
Hi Ellen,my name is Theresa and i would like you to help me.i am 44 year's old,and i want to find my biological mother her name is Juana Mercado,the last time i seen her was when i was 15 year's old.i was raised in foster home's and group home's.i had went on different web site's to see if i can get any information on my mother,but when her name came up there was 144 people with the same name.i know that you are a busy person and you are not able to check or read all the letter'sand email's that you recieve.all i want is to be reunited with my mother and family.you can contact me at (336)471-3403 or (336)686-7473 Thank you from theresa mercado faison.
Hi Ellen,
I am 50something and finding it hard to land a job these days is really tuff, especially with a crappy car. I divorced a year ago, left with nothing but a car that leaks water when it rains. I have to first, soak water out from the back driver side, maybe floorboard problem? Then I must blow dry so it does'nt stink. I have to open windows to prevent mold. Not only that! It stinks gas when I turn heater or air on. And my ex thought he gave me enough. Go fugure.
Thank you Ellen. YOU'RE AWESOME!!!!!
Claire Stiver
Report (0) (0) |
5 years, 2 month(s) ago
Send any thing you want to share with Ellen DeGeneres and get direct feedback from her, She can also call you to her show
To contact Ellen DeGeneres write a mail to her: ellen.warnerbros.com/show/respond/?PlugID=10
Latest activity:
2 years, 11 month(s) ago.
This question has been viewed
1948 times
and has


text:
January 21, 2015
Board Members Present:
Margaret Christle, Chair
Ginny Gardner
Karen Drake
Anne Page
Darlene Richardson
Cynthia Saunders
Library Board Members Absent
Alison Armstrong, Vice-Chair
Natalie Cherbaka
Larry Spencer
County and Affiliate Liaisons Present:
Mary Biggs, Montgomery County Board of Supervisors
Lauren Yoder, Floyd County Board of Supervisors
County and Affiliate Liaisons Absent:
Gail Billingsley, MFRL Foundation
Kit Haggard, Floyd Friends of the Library
Mary North, Montgomery Friends of the Library
Staff Members Present:
Paula Alston, Library Director
June Sayers, Business Manager
Call to Order: Margaret Christle, Chair, called the monthly meeting of the MFRL Board of Trustees to order at 7:00 p.m., on Wednesday, January 21, 2015 at the Christiansburg Library.
Roll Call: Chair Margaret Christle
Acceptance of Agenda: A motion was made by Trustee Darlene Richardson and seconded by Trustee Anne Page to accept the agenda. The motion passed unanimously.
Approval of Minutes: The motion was made by Ms. Richardson, seconded by Ms. Page and the board voted to approve the December 17, 2014 minutes.
Public Address: None.
Unfinished Business: None.
New Business:
Floyd County Budget
We are not asking for an increase to our Floyd County budget for FY 2016. The telephone costs were not as much in FY 2015 as we projected so we are able to readjust line items to cover shortfalls in other line items, mainly mileage reimbursement and gasoline. The increases here are due to providing more outreach to the community. In revenues, our state aid went down about $800 for the system. We are projecting that we will continue to receive a $5,000 donation from the Town of Floyd. Fine revenue continues to drop.
Trustee Karen Drake made a motion to accept the proposed Floyd County FY2016 budget. Ms. Gardner seconded the motion, a roll call vote was taken and the motion passed.
Roll Call Vote: Aye Nay
Karen Drake X
Margaret Christle X
Ginny Gardner X
Anne Page X
Darlene Richardson X
Cynthia Saunders X
Review of Fee Schedule
Last reviewed in 2012
There have been changes to postage that may impact the postage for ILL.
The postal service is doing away with library rate this Sunday, January, 25, unless packages have a smart barcode. This requires software that we don't have. We will send them back first class.
Currently we pay between $3.02 and $3.48 to mail an ILL back to the lending library. New rates will be between $5.32 and $5.49, so a little over $2 increase per package. We average between 100-110 ILLs a year, 40% of those come from Floyd.
Looking at the financials, you can see that we have $6,000 in our MC postage line item, and $680 in Floyd
Out of these line items, we pay for box rentals for Floyd and Meadowbrook and the rest is loaded on to the Pitney-Bowes machine. We buy a small amount of stamps for Floyd. We mail approximately 500 overdue notices and bills each month, we do mail books belonging to other libraries but returned to us but we are now finding people who can deliver those for us.
We are estimating that it will cost us an additional $250 to return ILLs.
This FY we did increase the postage line item in both counties to accommodate several postage hikes. If we have any extra money in the line items at the end of the year, we buy more postage for the machine.
Ms. Christle asked the Board to review the fee schedule to see if there are any other items that should be adjusted. Ms. Drake asked about the collection fee. Ms. Alston said that the fee of $12.00 was decided by the board in 2012 when we began.
Trustee Karen Drake made a motion to adjust the fee schedule to show the change of ILL fees from $3.00 to $5.00 effective immediately and the collection fee be raised to $15.00. Ms. Gardner seconded the motion, a roll call vote was taken and the motion passed.
Roll Call Vote: Aye Nay
Karen Drake X
Margaret Christle X
Ginny Gardner X
Anne Page X
Darlene Richardson X
Cynthia Saunders X
Passport Agency
We have investigated this, not really as a revenue stream but more a service to our residents and as another way to introduce more people to the library. Currently the main Post Office in Blacksburg and the Circuit Court in Christiansburg are passport agencies. The Post Office has limited hours, Circuit court will issue them during working hours; the court does approximately 100 a month and the contact we talked to indicated they would welcome the competition.
Each agency receives a $25.00 fee as set by the State Department. Out of that fee, we would need to pay for the postage to mail the documents to Washington. Staff members need to be certified to be an agent. The training can be completed online and takes approximately 8 hours; they would need to be recertified each year. We thought we would start with two staff members and make it by-appointment-only and start with morning hours.
Benefits to offering this to the public would be that it is easier to park and gain access to the Christiansburg Library than it is the courthouse and that applications can be completed during non-traditional work hours. We would not start with those hours but gradually work into them after we gaged the demand.
Poquoson Library has been offering this service since fiscal year 2007 (4 staff members, over 12,300 passports processed, average $40,000/yr, over $300,000 in a 8 year period.) It takes 15 – 30 minutes per customer.
Another non-traditional service that we offer at Christiansburg and Floyd is a notary. Ruthie Bellman and Cathy Whitten are both notaries and it is a service needed and appreciated by the public. There is no charge for this service.
Report of the Director
Financial Report
We should be at 50% of budget. Line items are in different locations. Last fall the county and the schools combined their MUNIS functions and that required new line item numbers.
We received the Friends of the Library donation this month.
Ebooks continue to go up. Circulation is still trending down.
Programming / Collection
The IRS is cutting back on the number of tax forms they are mailing out to libraries this year due to a $325 million cut from Congress. We will get about 30% less in the number of 1040, 1040A and 1040EZ forms, no other forms will be sent and no instruction booklets. We will have the reproducible forms and of course, tax payers can go online and download forms and instructions themselves. We have sent out a press release with this information and staff has been instructed to tell patrons to call or email Rep. Griffith's office with any complaints.
We have renewed our movie license with Movie License USA for another year. Each library shows a movie at least once a month.
There were some wonderful programs in December.
Facilities / Technology
For the last month, we have been testing several new ways to notify patrons of their holds. The patron can pick text, email or automatic calls. We are naming these types of calls automatic or courtesy calls, not robo calls, since there is a negative connotation associated with the term robo calls. This was tested in Blacksburg in December and rolled out to the other three branches this month. So far, it is being received well by the patrons.
Also, starting in February, we will have the ability to email a check out receipt to patrons if they would like. This is a courtesy to them. They will also receive a paper copy. We believe that SIRSI is working on allowing us to turn off the paper copy as one step towards going green but right now, it will print as well as email.
Let me give you some stats. Seventy-two percent of our card holders have email addresses on their records; 59% have signed up for pre-due and overdue emails. Here's what they get: (3 day pre-due, 1 day pre-due, 2 day overdue, 8 day overdue; they will still get USPS notices at 2 weeks, 4 weeks and a bill at 6 weeks etc.) Thirty-four percent of our card holders have signed up for email notification for holds and we have 66 people (less than 1%) who have signed up for text messages for holds but we have only had that available for less than 6 weeks.
The IT staff has installed seven new computers in the public area in the Blacksburg Library and they have installed four new AWE children's computers- two each in Blacksburg and Christiansburg. We purchased these with our end of the year money.
We completed a survey to see how our patrons felt about using the self-checkout computers and to learn why they are not using them. We average about 20% in Blacksburg, 11-12% in Christiansburg and 7% in Floyd. We had around 59 responses. A majority of the folks knew that that there was a self-checkout out in Blacksburg and Floyd, but 44% did not know there was one in Christiansburg. Most of the comments were along the lines of: " if I'm in a hurry, I'll use it but I like to have the human interaction with the people at the desk." Several said they love the option and several said it was great and their kids loved using it. We didn't really learn much. Staff has been asked to promote it from the desk, not just during busy times, but other times as well and to say something like "we are always happy to help you but we do have a
self -checkout computer if you would rather do it yourself."
Staff and Trustees
Congratulations to Mary Biggs for being re-elected as vice-chair of the Montgomery County Board of Supervisors.
We will be moving an employee from the Blacksburg Library to the Floyd Library. Floyd had an opening and the employee lives next door to the library.
Blacksburg filled four Circulation Specialist positions in December and still has three to go. Their full time Library Services Specialist position closed on January 16 so they will be interviewing this week for that position.
The Youth Services Assistant for the Christiansburg Library is also resigning effective February 5. She cannot afford to continue to pay a babysitter for what we pay her, which is $10.00 for 26 hours. It's an unclassified position so no other benefits. She has an MLS and has excellent experience so we are very sorry to see her leave.
Follow up on an incident with the homeless fellow we had in Blacksburg in the fall. He was arrested by the Blacksburg Police Department for something unrelated to his library use and we did not see for several months. He has now turned up at the Christiansburg Library. While inside the library, he is a good patron for the most part. Reads, naps occasionally but does not bother anyone else. They have had some difficulty getting him to leave at closing and he has taken to sleeping on the bench in the book drop area at night. This, of course, startles patrons who return the materials in the late evening or early morning hours. Pamela spoke to him several times and told him he cannot sleep on the bench after dark. Last Sunday at 2:30 a.m. Branch Supervisor Pamela Hale received a call from the Christiansburg Police Department saying he was there asleep and she should come down and take out a trespassing order against him. Unfortunately, she was not in town and wasn't able to do it. They suggested that the next time he is in, she call them and do it at that time. So far this week, he has not been in. Ms. Alston e-mailed County Attorney Martin McMahon about this incident.
Committee Reports
Executive Committee – Did not meet.
Development Committee – It is time to do the reception for the Montgomery County politicians. Ms. Christle asked if we would like to do this again? Ms. Drake asked if it is worth the while to continue. Ms. Biggs and Mr. Lauren Yoder Floyd County Board of Supervisor's representative felt this was a positive thing to do. After short discussion the group agreed to continue the receptions at least for this year in the same format. The reception will be at Christiansburg Library on March 18. Ruthie Bellman will do the invitations and we will try to get in the mail the first of March. We will dedicate a book to each entity instead of individual members. Ms. Christle will send out an email for sign up / ideas of what to bring or serve. Also, there was discussion about inviting some staff or folks from the Friends of the Library and Foundation.
We will finalize this at the next meeting. The Development Committee will organize the specifics.
Leadership Committee Did not meet.
Policy Committee – Will meet prior to the February meeting.
Floyd Friends of the Library – we got our check from them a couple of weeks ago.
Montgomery Friends of the Library – Planning the Barter Theater presentation for March. The Garden Tour is coming up in July.
MFRL Foundation – No news.
Ms. Richardson moved to adjourn the meeting and Ms. Page seconded the motion.
The meeting was adjourned at 8:06 p.m.
Approved by the Library Board
Margaret Christle, Chair
June Sayers, Recorder


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St. Augustine's Ipswich are currently looking to employ a full time Youth Worker/Pastor to enhance and develop our existing Youth Ministry with predominantly high school aged young people.
Latest News
Posted 1 month 2 weeks ago
Posted 1 month 2 weeks ago
On Sunday 1st May @ 10:30 Bishop Martin will be conducting our Confirmation Service.
We would love you to join us in this wonderful celebration and show your support to those being confirmed.
Posted 1 month 4 weeks ago
This July a large group from St. Augustine's will head up the Suffolk coast to Sizewell Hall again for our Church Weekend Away. It will be a time to enjoy worshipping God, relaxing together, eating together, getting to know each other better and deepening our relationship with God. Rev James Nickols, a Regional Director of The Filling Station will be our speaker and we hope to have David Clifton, a gifted musician and worship leader, join us for the weekend too.


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The Adventure Cycling blog covers bicycle-travel news, touring tips and gear, bicycle routes, organizational news, membership highlights, guided tours, and more. Follow us on Facebook or Twitter for daily updates. Interested in becoming a guest blogger for Adventure Cycling? Share your story with us.
Photo by photo contest 2014
This coming week, I'll be traveling with Adventure Cycling's special projects director, Ginny Sullivan, to the 10th annual National Bike Summit. The summit has come a long way since its inception when, as Congressman Jim Oberstar joked, you could fit the attendees in a phone booth.
With spring right around the corner, and the daylight hours increasing, it's an exciting time for cyclists looking forward to putting in some miles. However, the early spring season can be a challenging time to ride as far as flat tires are concerned, especially in the northern climes. There's a lot of gravel, glass, and miscellaneous debris on the road that gets covered up by snow through the winter, only to rear its ugly head as the snow melts. On top of this, the conditions are often damp, and road debris tends to stick to bicycle tires better when the tires are wet. So, making sure you have a good barrier between the surface of your tire and the air inside your tube can be very important.


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If you're like many investors, you've probably never given investing in options a second thought. After all, a simple portfolio of mutual funds, ETFs, and individual stocks can give you a simple and perfectly acceptable way to achieve the main goals of your financial plan.
But despite the bad reputation that options have gotten over the years, they can actually be quite helpful. Used correctly, options let you dial in the exact risk level you want in your overall portfolio without making massive changes to your core investments every time market conditions change.
Below, I'll introduce some of the options strategies that smart investors use to hedge their risk and create unique profit opportunities. But first, you need to understand the background of why so many people think options are a sucker's bet.
The dark side of options
Right now, options have two things going against them. First, options are a type of derivative, in that their value comes entirely from their relation to whatever underlying security the option covers. The dangers of derivatives like options and futures have once again appeared in the spotlight, as the MF Global scandal left many of its customers unable to close positions and may result in their having lost individual-account money that should have been segregated away from MF Global's own corporate funds. Similar counterparty issues exist for options covering stocks, and although clearinghouses are supposed to make options trading safe, the MF Global failure calls those assurances into question.
But the longer-standing problem with options' bad reputation is that they're one of the primary ways that executives boost their compensation -- especially after massive market collapses that leave most shareholders with big losses. For instance, in 2009, several company executives, including Starbucks (Nasdaq: SBUX ) CEO Howard Schultz, Sirius XM's (Nasdaq: SIRI ) Mel Karmazin, and Alan Mulally of Ford (NYSE: F ) , received big options grants -- grants that jumped in value as the market bounced off the early 2009 lows in one of the biggest market recoveries of all time.
At the same time, though, companies over the years have tried to have their cake and eat it too by making modifications to the options they gave their employees. Brocade Communications (Nasdaq: BRCD ) saw its former CEO get a prison sentence for backdating its stock options in order to boost their value. Similarly, large companies like Apple (Nasdaq: AAPL ) , Dell (Nasdaq: DELL ) , and UnitedHealth Group (NYSE: UNH ) have had to deal with controversy surrounding their own options-grant practices.
Fortunately, you can still use options to your advantage.
What options can do for you
Like any other tool, options are only as good or bad as the uses they're put to. Although speculators routinely use them, you might prefer some of the following alternative strategies:
- Covered calls can help you turn stocks that don't pay dividends into big income-generating investments -- or get even more income from your dividend-paying stocks.
- Writing put options gives you the opportunity to get paid while you wait for a stock to trade down to a more attractive entry point.
- Buying calls lets you have positions on stocks without putting as much money at risk.
- Buying puts protects you from big, unexpected drops in your stocks.
Throughout this week, I'll take a closer look at each of these four techniques, along with some sample stocks that they're well-suited for.
In general, though, the key to understanding options is that when you forget all the hype, options aren't inherently risky. Sure, some options investors lose everything quickly because they swing for the fences. But if you focus less on the leverage options offer and more on their risk-control abilities, you'll do much better in the long run.
Learn more
To make the most of options, though, you have to understand them inside and out. That's why the Motley Fool put together an "Options University" to give you the knowledge you need to be smarter about options. Just enter your email address in the box below to get this free report -- but don't wait, because that box won't be there forever.


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Metropolitan Housing Alliance to conduct 'All Hands Meeting' | News
LITTLE ROCK, Ark. (Metropolitan Housing Alliance) - On Thursday, December 6, 2012 from 6:30 p.m. to 8:30 p.m. at the Arkansas State Fairgrounds Farm and Ranch Building at 2600 Howard Street in Little Rock, the Metropolitan Housing Alliance will provide a community update about the Choice Neighborhood planning process.
The meeting is especially for key stakeholders and residents living between Harrison and Battery Streets and Interstate 630 and Roosevelt Road/Asher Avenue.
Latonya Wilson, Choice Neighborhood Program Coordinator talks more with Stefanie Bryant on "THV 11 News at 9:00".
(Source: Metropolitan Housing Alliance)
Top Little Rock Stories
Arts & Culture
Arts & Culture
Arts & Culture
Arts & Culture


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UNF Percussion Ensemble
The UNF Percussion Ensemble is an active performing group at UNF. Members of the ensemble are both classical and jazz majors performing percussion repertoire. The ensemble is building a reputation for performing works of area composers as well as standard percussion literature. Over the years the ensemble has performed at PASIC, as guests of the Jacksonville Symphony Orchestra, and as invited performers for several functions at UNF. Often the Percussion Ensemble visits area schools to perform concerts. The audiences include area elementary, high school, and college students.Contact Charlotte Mabrey at (904) 620-3831 for more info.
Copyright © 2016 University of North Florida1 UNF Drive | Jacksonville, FL 32224 | Phone: (904) 620-1000
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SALT LAKE CITY -- Organizers of Utah's biggest parade have turned down a float proposal from a Mormon faith-related LGBT group, citing too much potential for controversy.
Greg James of the Days of '47 Parade tells the Salt Lake Tribune (http://bit.ly/1fPkTsR) it's organizers' policy to turn down any float they believe will ignite political debate.
But Mormons Building Bridges co-founder Kendall Wilcox says the planned float steers clear of politics.
The organization proposed a convertible car of people who are lesbian, gay, bisexual or transgender and have Mormon heritage.
The group aims to improve the relationship between Utah's gay community and the Mormon church.
Parade organizers say about a dozen applications are denied each year for the July 24 event.
The celebration honors the Mormon pioneers' 1847 arrival in the Salt Lake Valley.


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Financing Your Study Abroad Experience
Studying abroad through one of our 75+ approved programs costs about the same as a semester at St. Norbert – excluding airfare and personal expenses. Learn more about program costs, billing and tips for creating a budget.
Research our database of financial aid opportunities. Scholarships will vary depending on your background, educational accomplishments, field of study, destination and study abroad program.
Familiarize yourself with important policies, including information about program cancellation and exchange options.


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Last month at Dell World, we announced a partnership with Dropbox to bring industry-leading solutions to consumers and businesses. And today, we're excited to announce that, as of January 1st, US customers now receive 20GB of free Dropbox space for a year with the purchase of a new Dell Venue tablet or Dell XPS, Inspiron or Alienware PCs.
As illustrated below, Dropbox will be automatically available for download when you turn on your new system via Dell Digital Delivery. Customers can also check here for offer eligibility and to receive their free 20GB. Additionally, by summer 2014, these Dell consumer devices will come preloaded with the Dropbox application and a 20GB account for 1 year for all customers worldwide.
Dell now offers consumers two cloud-based options for storing and accessing data. With Dropbox and/or PocketCloud, Dell customers can easily access content anywhere, on any device.
PocketCloud--also available on all new Dell Venue tablets and XPS and Inspiron PCs-- is a great way to access files located on a home PC desktop from any device. PocketCloud allows you to create your own personal cloud to safely and securely store and access all of your valuable content on your devices. With PocketCloud, you also can access and share any file you save to your Dropbox space from all of your computers, smartphones or tablets and even the Dropbox website.
Together Dropbox and PocketCloud help eliminate the common problems and inconveniences faced when you don't have instantaneous access to your data, such as: "Where's my thumb drive?" and "I forgot to download that file!" or "Mom, can you run back and get my homework?"
In the coming months, Dropbox and PocketCloud will be integrated into a seamless interface for Dell customers— creating an easy-to-use personal cloud solution that allows customers to have access to their files from anywhere that's unsurpassed by the competition.
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hello all.
I would to know how can I get the 20gb from dropbox ?
I have already installed the Dell Digital Delivery, but I could not reinstall the Dropbox application in order to get the space free (1 year).
Please let me know if you know how to do it?
Thank you!
Hello Tarcio,
Detailed information about redeeming the Dell 1 year 20GB Dropbox offer is available by clicking the link below, including where to obtain a direct download of the application.
I recently purchased a Dell Inspiron 15 series from Costco, and the computer says it has 20g free dropbox for one right on the metal spec sheet below the keyboard. I tried the Dell Digital Delivery and it says I have nothing. Should I install Dropbox or how do i go about getting my 20gb upgrade?
Thank you.
Hi Jake - Please visit the link Geoff shared in his comment for more information. ~LPT


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Online encyclopaedia Wikipedia was knocked offline on Monday thanks to two accidentally cut cables near a data centre in Florida.
The site, and various associated services, were inaccessible or extremely sluggish for over two hours beginning at around 1430 BST on Monday.
A status web page showed various parts of the Wikimedia network as suffering performance issues.Wikipedia ruled out any suggestion of malicious intent being behind problem.
After the cables were repaired, it took another hour for basic service on Wikipedia to be restored.