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Here's a new single from B.o.B featuring Lil Wayne called "Strange Clouds." It's the first offering from his upcoming sophomore album.
Here's a new single from B.o.B featuring Lil Wayne called "Strange Clouds." It's the first offering from his upcoming sophomore album.
Tyga just put out a video showcasing Honey Cocaine, the new female artist on his Last Kings label. Honey is of Asian descent, as she states in the video. Peep it here:
We hit you with a DMX old school throwback the other day. Here is some new ish from DMX. Dame Grease releases the first video from Dark Man X since being released from jail. Watch the clip for "Last Hope," which also features Toronto R&B singer/songwriter Audreena Mill.
As you know, Mr. Jay-Z himself is a part-owner of the soon to be renamed Brooklyn Nets. The new Barclays Center, scheduled to open on September 28th, 2012, will be the new home of the Nets. Jay-Z will headline eight concerts for the opening of the Arena.
Be on the lookout for those tickets, cause you know it's going to be a dope concert. -Swagneto
Rise & Grind people! Check out this fresh freestyle from some youtube stars. We've posted about them individually before, but these guys are known to get together from time to time and just kick it. Who do you think killed it?
In the video above, Cole lists off his top five favorite rappers of all time amongst other things.
Nicki Minaj performs "Mad Man, "Moment 4 Life," and "Super Bass" at the iHeartRadio Music Festival in Las Vegas.
With his debut album dropping in 2 days, this video is a great precursor of what's to come. It's a really clean video and the song is dope, y'all should definitely check it out.
Peace, Swagneto
Check out this super fresh clip of Wayne laying down some heat live and acappella!
Peace and Love, Swagneto.
XV is a singer and songwriter from Wichita, Kansas. His name, XV, refers to the age (15) at which he began to create music. Here's his video for one of the standout tracks off his Zero Heroes project. "When We're Done" was inspired by the loved ones he lost while recording Zero Heroes.
Drake has released the cover artwork for his sophomore record, "Take Care."
Says Drake:
Feels like it's been so long. Is life moving so fast in this generation that when we desire something it begins to move in slow motion? Are we just used to getting what we want right away? Or do we require one another to feel right about all that is going on around us? Maybe our anticipation is justified by the fact that we genuinely cannot wait to share a moment again? Either way, your life and mine are scheduled to meet on October 24…I wouldn't miss it for the world.
See you soon.
Alicia Keys, Jay-Z, Black Eyed Peas and Bruno Mars headlined the iHeartRadio Music Festival that was held at the MGM Grand Garden Arena in Las Vegas last night. Ms. Keys took the opportunity to debut a new song called "A Place Of My Own" for the live audience. Have a listen.
Came across this cover on youtube and had to post this. Might be the best cover for this song that I've heard. I'm feeling the change in the instrumentals and how Airto switched up the singing style into an RnB Tune.
Bringing it back to 1998 when this record came out off DMX's "Its Dark & Hell is Hot" Album. I remember i was in High school rocking this track in my pop's Minivan on the Tape Deck cause the CD player was busted. Still checking for DMX to drop some new music now that hes out.
A Long List of Independent Artists Collab on this original track titled "Girlfriend" produced and shot by 454 Life Entertainment. Who are you checking in on?
For those in New York City, head over to Chelsea Art Museum today starting at 2pm if youre interested in seeing performances from Freeway, Smoke DZA and others.
Mac Miller releases the second single off his debut album, Blue Slide Park due on November 8th, Here's the ID Labs-produced "Smile Back."
Add another historical concert to long résumé of Jay-Z. Next September, the co-owner of the New Jersey Nets will headline the first concert at the Barclays Center located in his hometown of Brooklyn, New York. When the current NBA Lockout is over the venue, which is expected to open September 28, 2012, will serve as the home of the Brooklyn Nets. An official press conference will commence Monday, September 26 at 10am with Jay-Z and Brooklyn Borough President Marty Markowitz among the attendees at the Atlantic Terminal overlooking the under-construction Barclays Center.
TIP will officially wrap up his sentence and be released from the halfway house next Thursday. And he is already recording and was recently spotted in the lab with Pharrell. In other related news, a new track from T.I., produced by Big K.R.I.T. drops Monday.
As promised, the new single by Odd Future's new artist Young Ni**a (AKA Tyler with a wig on).
Original audio source (ap-xu8wxf1ldjc9.mp3&titles=Come)
Upon first listen, you'll realize that it's not a new artist at all, but simply Tyler, the Creator's alter ego. "Come Threw Looking Clean" is billed as the first single from his upcoming album Expensive Pasta.
In anticipation for Season 2 of HBO's How to Make it in America, Luis Guzman has created a renegade rendition of Duck Sauce's Hit Song "Barbara Streisand". Using his own name as the hook, we catch a glimpse of life in the Lower East Side, along with cameos from Kid Cudi (also a character on the show), Pusha T, Pharrell, and Rahzel. Be on the look out for Season 2 coming October 2nd.
I think its hilarious, if you are familiar with the original video. -Swagneto
Those in New York City may or may not be happy to hear that cell phone service is coming to some NYC subway stations. CBS Reports that a person close to the matter said six stations will go live with the service on Tuesday. The person speaking Friday on condition of anonymity said that AT&T Inc. and T-Mobile USA subscribers will be able to use their phones at six stations in the Chelsea neighborhood of Manhattan. Sprint and Verizon phones won't work there for now. The New York stations where the service will be available are on 14th Street from 6th Avenue to 8th Avenue, and on 23rd Street and 8th Avenue.
Back in April, Odd Future started an independent label under RED Distribution/Sony (rumored to be worth $2.5 million). Fast forward a few months later- they've announced that they're welcoming a new rapper named "Young Ni**a" to the imprint.
Couldn't make this up if we tried.
O.F. promised to debut Young Ni**a's first single on their website later on this evening. Stay tuned to R&G.
Plies - Just (The Tip) ft. Jeremih & Ludacris by ATL REC
The Homie Plies is back with a new single Just The Tip off his upcoming album "Purple Heart"
Mac Miller's first stop on his Blue Slide Park Tour was in NYC, how many of y'all caught that last night? His performance was a hit, as you can hear the crowd singing along with him in these videos:
Donald Trump was dope, be sure to check out his acoustic version of "Another Night" after the jump.
Check the behind the scenes for T-Pain's latest visual off the forthcoming "rEVOLVEr" album for the new single "5 O'clock" featuring Wiz Khalifa & Lily Allen. The video for the T-Pain produced track gets brought to life by director Erik White.
Heres the full Track
It's the kid AraabMUZIK again, this time with an interview about his roots in the producing game. He's so nasty at bangin out beats on the MPC that he's now considered a performing artist because he can make the beats live. Look out for him on a slew of upcoming projects with Eminem, 50 Cent, Camron, and others.
FLüD Presents: Beats Per Minute with Araab Muzik from FLuD Watches on Vimeo.
Peace and Love, Swagneto
Red Cafe releases his new Video off his recently release mixtape " Above The Cloudz" which you can download and listen below.
D Pryde and Erika David Collaborated on Diddy Dirty Money's "Coming Home" instrumental. with original Lyrics and Hook they turned this cover into a Youtube hit. Be sure to check out each artist's original track posted up here previously by clicking the their respective tags.
Spotify is ready to introduce the masses to their service by allowing unlimited streaming to new users for six months on the free plan, instead of the usual ten hours. Click here to grab your own account (Facebook account required) and give it a shot.
Yesterday Rise&Grind posted a new video from Voli. If you're in the NYC area tonight, dude is opening for rapper Blu at Public Assembly in Brooklyn at 9pm.
Here are the visuals from Wale's "Bait" off of The Eleven One Eleven Theory, which is out now. Note: definitely NSFW
This is the latest video from Theophilus London's Timez Are Weird These Days, available now.
Terrace Martin is a Hip-hop producer and rapper from Los Angeles, CA who has produced beats for artists including Snoop Dogg, Shawnna, Warren G, Talib Kweli, Glasses Malone, Kurupt, Lalah Hathaway, Murs, Nipsey Hussle and collaborated with other producers such as DJ Quik, Battlecat, Hi-Tek and Pete Rock.
This is the first official leak off Locke High 2 w/ DJ Drama and Devi Dev, dropping October 25th. It features Kendrick Lamar, TY$, Wiz Khalifa among others.
Here's a single featuring Tunechi from Maino's upcoming sophomore album, The Day After Tomorrow dropping November 1.
Check out her latest Single "Just A Friend"
Google Wallet is an Android app that apparently makes your phone your wallet. It stores virtual versions of your existing plastic cards on your phone. According to the website, the app will eventually hold many if not all of the cards you keep in your leather wallet today and more without the bulk. This includes your loyalty cards, gift cards, receipts, boarding passes, tickets- even your keys will be seamlessly synced to your Google Wallet.
Really, this is all an excuse to post the clip above for my Seinfeld fans out there.
Lil Wayne is having a pretty good year.
He was "entered the Guinness Book of World Records twice this year. He was first inducted by having the most "likes" on Facebook and now he has the most songs to enter the US Hot 100 Charts by any hip-hop artist, a total of 82 songs. Jay-Z is trailing behind with 66 songs."
Currently, his album Tha Carter IV is #1 On The Billboard 200 for the second week in a row.
Don Trip's "Letter To My Son" gets a bit of star power. Here's Trip's single with vocals from Cee-Lo Green.
David Choi dropped a new music video to one of his original tracks. The amount of time it took to put together the 'picture' that was being built as he sang his song probably took a while.
Check out the description of the video for a link to win a free pair of the headphones featured in the video!
OTS stands for One Take Shot and Gabe Bondoc dropped a cover to Taylor Swift's "Sparks Fly." I personally have enjoyed all of his OTS videos, look forward to the next one!
Produced by Araab Musik
The RZA kickin' it with Reebok and droppin some science as usual. He breaks it down on classic albums that he's been a part of, and describes himself as the director of "audio movies", casting certain rappers to play different roles. He discusses the 36 chambers, Ghost and Rae albums, and even giving some props to Mobb Deep.
JRA hits us off with a snippet of another of his original songs! Can't wait to hear the final version.
Erika David put out this acapella video of her singing a few hooks from popular songs on the radio right now. She jumped on the piano on the last song. I hope she continues to refine her skills playing piano and singing her heart out at the same time!
Watch Bad and Evil perform "Fast Lane" and "Lighters" in this official footage of their European concert.
I have been a HUGE Voli fan since I heard his music and I'm glad he's finally putting out music videos. I truly think he is part of the future of hip hop and there is just something musically unique (at least to me) about the way his tracks are put together. Another one man band, he produces his own beats and lyrically he is on point as well.
Link to download his mixtape for free after the jump!
Snoop shoots a video for Rihanna's California King.
Rihanna f/ Calvin Harris - We Found Love (Radio Rip) by headphonesupiii
Here's a first listen Radio Rip for Rihanna's new single We found Love produced by Calvin Harris.


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Russian Wikipedia Goes on Strike Over Censorship Plans
MOSCOW, July 10 (RIA Novosti)
Related News
- Russian Lawmakers Set to Debate Internet Blacklist
- Russia to Create Internet Blacklist
- Wikipedia Goes Offline in Anti-Piracy Bill Protest
- Wikipedia founder believes in bright media future in terms of freedom of speech
The Russian-language segment of Wikipedia, the world's largest free on-line encyclopedia, temporarily suspended its work on Tuesday in protest against a bill proposing a unified digital blacklist of all websites containing banned content.
The draft legislation, supported by all four party factions in the State Duma, has been widely criticized by civil rights activists and internet providers as an attempt to introduce censorship of the Russian segment of the internet (RuNet).
"Wikipedia community protests against censorship, which threatens free knowledge opened for the mankind," Wikipedia says in a statement on its Russian-language website.
"We ask you to support us in the fight against this bill," the statement says.
The site is expected to stay offline for 24 hours.
The lower house of the Russian parliament, the State Duma, passed the controversial bill in the first reading on July 6 and will debate the document in the second reading on Tuesday.
The idea of the blacklist originated last year from Russia's League of Internet Security after the internet watchdog said it had broken up an international ring of 130 alleged pedophiles circulating material via the internet.
According to the draft document, submitted to the State Duma on June 7, the unified roster of banned websites will be run by a federal agency to be appointed by the government.
The agency will have the right to add items to the blacklist, as will the courts, which already have the authority to ban extremist and other types of content that violates Russian legislation.
The supporters of the blacklist believe it would curb the spread of on-line pornography and propaganda of extremism.
However, the opponents of the idea insist that the current version of the bill cannot be an effective tool for rooting out the illegal content and stopping its spread on the internet as it will not prevent "dirty" users from migrating to other domains and IP-addresses.
Wikipedia went offline for 24 hours in a similar action on January 18 in a protest against U.S. anti-piracy legislation that could lead to censorship. As a result of "blackout" protests on thousands of internet sites, the U.S. Congress has postponed the vote on two controversial bills until issues raised about them were resolved.
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- pushkinlovGreat06:37, 10/07/2012Thank you very much. This is wonderful. Now Russian kids will go to the library and consult and read. Trash television and re-invented/ re-written history in Wikipedia will no longer harm the good upbringing and solid education characteristic in Soviet times. Stay away Wikipedia.
- PETEPETEPETEWikipedia = New World Order organization.23:09, 10/07/2012The censorship going on in Wikipedia is well known. And the connections between Wikipedia staff and secret services and other shady organizations is well known. They even have people who openly said that there is nothing wrong with pederasty on their team.
Furthermore the new Russian law has a lot to do with the awful filth that is all over the Internet and loser Jimmy Wales made his money by promoting unhealthy sexual filth.
Man...lately, the Russian leadership keeps hitting the bullseye and you can tell that they are hitting the bullseye by judging how the RATS cry and protest. Congratulations to the Russian leadership once again.
But i do hope that the decisions on what websites should go or not are made by the civil society, from organizations that come from the "common man" and not Government because History shows us that such centralization of power always goes wrong. I trust that this will be the case, Putin would not let it be any other way since he is a reasonable man and a true democrat.
News »
Putin: Russia's Port Capacities Should Expand, Given Crimea's Advantages
Russian President Vladimir Putin has called for strengthening the capacity of the Russian ports and taking advantages of Crimean and Krasnodar port terminals, given the reunification of Crimea with Russia.
Alex Salmond to Propose Lowering Voting Age in Scotland: Reports
Scottish First Minister Alex Salmond is expected to call for a decrease in voting age allowing individuals 16-years old and up to vote in future elections, The Guardian reported Tuesday.
Export of Chinese Torture Devices Fuels Human Rights Violations Worldwide
More than 130 Chinese companies sell various torture devices overseas, furthering human rights violations, killings and abuses, Amnesty International reports.
Only 17% of UK Rail Passengers Informed of Disruptions Before Arriving at Station: Study
Britain's rail passenger watchdog Passenger Focus released a study Tuesday indicating that passengers were unsatisfied with how the rail industry handles cancellations and unexpected disruptions with only 17 percent of surveyed passengers" informed before arriving at the station.
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The Paris Conference on Iraq: Pessimistic Forecasts?
Any anti-ISIL operation in Iraq cannot be effective unless the Islamic State is attacked in Syria. But the final statement of the Paris Conference did not mention Syria as a precaution against disunity in the coalition and with due regard for the Russian position. Professor of the Chair of Modern East Department of History, Political Science and Law in RSUH

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|Barnesville High School 1st Nine Weeks Honor Roll
|Written by Staff
|Wednesday, November 07, 2012 3:04 PM
Barnesville High School
First Nine Weeks
Principal's List
Freshmen: Mallory Christ-man, Paige Hayes, Samuel Leach, Alexis Starr.
Sophomores: Brandon Davidson, Alexandra Froeh-lich, Aaron Kerner, Mason Moore.
Juniors: Kyle Devine, Layne McGee, Lucas Wells, Paige Wright.
Seniors: Raquel Bahmer, Sydney Bruce, Nichole Burkhart.
Honor Roll
Freshment: Aspen Bauman, Tyler Blackstone, Joseph Burkhart, Jacob Carpenter, Karleigh Clouse, Kayla Erickson, Sarah Faldowski, Nichole Farson, Morgan Guthrie, Katie Jackson, Jacob Keiser, Kayla Kerner, Cheyenne Mayhugh, Abbigail McMillen, Raenah Norris, Madisen Robinson, Riley Schultz, Corey Seneff, Rachel Stewart, Claire Wells, Richard Wilcox.
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Autobiography of a blue-eyed devil : my life and times in a racist, imperialist
Muscio, Inga.
Adult Nonfiction HQ1413.M87 A3 2005
Muscio, Inga.
Adult Nonfiction HQ1413.M87 A3 2005
What other readers are saying about this title:
incendiary said:
this is an amazing, life changing book. highly recommended! although i think its odd that hclib doesn't have her first book...
posted May 21, 2006 at 8:34PM
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Our tale begins with sunny day the beach. Odie is happily playing on the beach when he comes upon a mysteriously bejeweled bottle. It seems to be genie bottle going by what's written on it. Jon and Garfield begins daydreaming about the possibilities. But according to legend, some genies are good and some can be very bad. As luck would have it, Jon and Garfield unleash a very bad one who soon turns the tables on them.
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Hyapatia Lee of Cherokee and Irish descent, is a former American exotic dancer and pornographic actress. As the only Native American in the business, during her tenure, she was one of the most prolific… Read More
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The surname Lee can be: *Lee (English name): an English surname. *Lee (Korean name): a Korean surname *Li (李): a Chinese surname (Frequently Romanized as "Lee" in Hong Kong SAR, Macau SAR, Taiwan, Malaysia, and Singapore.) The following people have the surname Lee:
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Motorola's 3G enabled Xoom tablet will retails for $799 at Verizon Wireless stores when it goes on sale later this year. However, if you're feeling the pinch you can opt for a WiFi only version for $600. This isn't to say a subsidized version won't be available.
If you recall the Xoom is a 10.1-inch tablet powered by a 1GHz dual-core Tegra 2 processor and runs the latest version of Android, Honey Comb. Initially it will only support 3G connectivity, but we're hearing an update will enable it to 4G. Other specs include Bluetooth 2.1+EDR, 10 hour battery life and 32GB of storage.
Is this price point competitive? Only time will tell.


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COEUR D'ALENE, Idaho (AP) -- A north Idaho man convicted for driving drunk and getting into a fatal accident has been ordered to spend 21 months in prison.
The sentence was handed down Thursday for 23-year-old Nicholas P. Allman of Kamiah. Allman pleaded guilty to involuntary manslaughter in June for his role in a crash that led to the death of James Oatman Jr.
Investigators say Allman attended a party on Oct. 28, 2011 in Kooskia, was drinking and appeared to be intoxicated when he left with Oatman and one other person.
An hour later, Allman's car left the roadway, rolled down a steep embankment and all three men were ejected. Oatman was pronounced dead at the scene of the crash.


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Skin cancer strikes everyone and know no age boundary either—athletes, movie stars, musicians, politicians, talk show hosts, reporters, royalty and regular people alike. Here are 16 well-known people who survived skin cancer scares—and three who tragically didn't.
Melanie Griffith—actress—had early signs of skin cancer removed from her face.
Bob Marley—musician—died of melanoma that spread into other organs.
Ewan McGregor—actor—had several cancerous moles removed from his face.
Cybill Shepherd—actress—had melanoma removed from her back.
Elizabeth Taylor—actress—had radiation therapy to treat basal cell carcinoma on her cheek.
Politicians and First Families
President George H. Bush—was treated for a pre-cancerous lesion on his face. His son,
President George W. Bush, had four pre-cancerous lesions removed from his face, two of which could have turned into non-melanoma skin cancer if they'd been left untreated, according to the American Cancer Society. George W. Bush's wife, Laura, had a squamous cell carcinoma removed from her shin.
President Bill Clinton-—was treated for basal cell skin cancer on his back.
Senator John McCain—had a melanoma removed from his left arm. Recurrences on his left arm and temple were also removed.
President Ronald Reagan—had skin cancer removed from his nose. A recurrence was again removed. Reagan's daughter, Maureen, a political analyst, radio talk show host, commentator and author, had skin cancer that was removed but she died from tumors that spread to her brain.
Reporters and Talk Show Hosts
Anderson Cooper—news anchor-—had a cancerous mole removed under his left eye.
Sam Donaldson—news anchor—was diagnosed with melanoma when a tumor was discovered in a lymph node in his groin. Multiple melanoma lesions were removed.
Regis Philbin—talk-show host—had chemosurgery to remove skin cancer on his hand and face.
Princess Michael of Kent—had cancer removed from her face.
Sports Celebrities
Troy Aikman—retired Dallas Cowboys quarterback—had a melanoma removed from his shoulder.
Stuart Entwistle—surfer—fought severe melanoma for 3 years and lost.
Jeff Torborg—former Major League Baseball catcher, manager and sportscaster—had a growth removed from his face.
Join Celebrities in Raising Skin Cancer Awareness
Celebrities Victoria Beckham, Heidi Klum, Eva Mendes, Dita Von Teese, Naomi Campbell, Helena Christensen and Joss Stone are hoping to build skin cancer awareness through an ad campaign by fashion designer Marc Jacobs.
For more information and to take these celebrities' lead in learning more about preventing and detecting this potentially disfiguring and fatal disease, visit HealthKey.com's new Skin Cancer Center, The Skin Cancer Foundation and the American Cancer Society.
Celebrities & Skin Cancer
Skin cancer knows no boundaries-status, age or otherwise. Even Hollywood heartthrob Ewan McGregor has fought it. Find out who else among our famous friends have it, or have had it, and what some are doing about creating more awareness.
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By mitchp
via agile.dzone.com
Published: May 06 2013 / 08:33
This is the third issue of James Brett's 5 Questions. Issue 1 featured Ron Jefferies, and Issue 2 featured Ken Schwaber. From the first issue of 5 Questions "The ideas was to ask five specific questions to members of the Scrum community and post the their replies."


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slickrock 10likes mtb kona moab mountainbike
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#kona, meet #moab.
Good one bro
#mtb #slickrock #mountainbike
@cvortex haha, I've got a maxis hr on the back. That's a kenda telonix. Both are great IMO.
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Theresa Estrem PhD, CCC-SLP
Dr. Estrem is on faculty in the Department of Communication Disorders at St. Cloud State University in Minnesota where she teaches, supervises graduate students, and does research, with an emphasis on Early childhood, autism and culturally/linguistically diverse children.
She has been a certified SLP for over 25 years. She attended the University of Minnesota graduate school where she received her Master's degree in Communication Sciences and Disorders in 1984 and her doctorate degree Educational Psychology in 2003. Her interests in the field of communication disorders include screening, assessment, and intervention services to immigrant and language minority children with disabilities, and recruiting linguistically and culturally diverse students to the field of speech-language pathology.
She has presented on numerous occasions about intervention to develop the communication skills of children with autism, working with their families, and ongoing data monitoring. Her goals are to learn more about the prevalence of autism among immigrant and language minority families, their risk factors, parents' perceptions and attitudes of communication intervention services, and factors that are barriers to or facilitators of best outcomes for them.
Selected Articles by Dr. Estrem:
1] Expressive Vocabulary Development of Immigrant Preschoolers Who
Speak Somali, Spanish, and Hmong
2.] Prevalence and Disproportionality of Autism Spectrum Disorders Among English Language Learners in Minnesota
3] Monitoring Emergent Literacy Development of Immigrant Preschoolers Who Speak Somali, Spanish
Dr. Estrem can be contacted at:
Theresa L. Estrem, PhD, CCC Communication Sciences and Disorders Brown Hall 114C St. Cloud State University 320-308-3973 firstname.lastname@example.com


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Some lucky whale watchers in Dana Point, CA were treated to an amazing display of a dolphin superpod! There was an about 2,000 dolphins participating in the stampede as they collectively worked together to form a mob to gather food. Dolphins are smart creations and some species have actually developed socially communal and cooperative hunting practices, meaning they've figured out that searching for food in larger numbers is better and more efficient than doing it alone.
Dolphins normally live in pods with up to a dozen members, but groups of them will work together to hunt as seen in the footage. Events like this communal food gathering normally has more than 1,000 members and this particular superpod is "probably determined by the number of dolphins able to be sustained by the school of prey," according to Animal Planet News.


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Cognitive neuroscience is the study of higher cognitive functions in humans and its underlying neural bases. By definition, it is an integrative area of study drawing principally from cognitive science, psychology, neuroscience, and linguistics. There are two broad directions which can be taken in this concentrationone is behavioral/experimental and the other is computational/modeling. In either case, the goal is to understand the nature of cognition from a neural perspective.
A total of 16 courses are required for the concentration. Each student is required to pass 9 courses designed to introduce students to the foundations (5), systems level and integrative aspects (4) which uniquely define cognitive neuroscience; two laboratory courses; four elective courses; and either a senior seminar course CLPS 1900 (COGS 1950) or an independent research course. The laboratory and elective courses should fit within a particular theme or category such as general cognition, vision, language, or computational/modeling. The design of the concentration and selection of courses should be made in consultation with the faculty advisor.
Note: Students wishing to pursue a computational/modeling track are encouraged to take APMA 1650.
Students must choose two laboratory courses. Please note that due to enrollment limits in some lab courses, priority may be given to concentrators in that department. Students should therefore be prepared to choose from the other laboratory options.
Four additional courses around a particular theme. Normally only one elective course that is below the 1000-level may count towards the elective courses required. An appropriate (but additional) laboratory course may be used in lieu of one of the four elective courses. Appropriate Topics course offerings (not listed below) may also count as electives with the approval of the concentration advisor.
Students are advised to take APMA 0330 (Methods of Applied Analysis I) and APMA 0340 (Methods of Applied Analysis II) as their two supporting science courses. Note that MATH 0100 is a prerequisite for these courses. See CLPS listings (above) for other computational/modeling courses. See CLPS topics listing for other computational/modeling courses.
Students who would like to pursue a degree with honors are normally expected to have half of their grades as A (or equivalent) within the concentration and are required to satisfactorily complete a written thesis and an oral presentation.
Page last updated in February, 2012.
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Bunn 20435.0000 NCD Black 50 oz. Glass Decanter for 10 Cup Brewers
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Ask the Readers: How Do You Choose a Savings Account?
Published on - April 28th, 2010 (Modified on - March 13th, 2013) (by J.D. Roth)
Here's a little twist to the typical Ask the Readers column. Yesterday, I exchanged e-mail with financial writer Liz Weston. She gave me advice for this Friday's post, and in return she asked the following question:
I'm writing about all the bonuses you can get for opening a savings account or other financial account (like $50 to open an ING checking account, for example). Is this something your readers like to do? How do they find out about these offers? What advice would you give people about the pros and cons of using these incentives?
It's been a l-o-o-o-n-g time since I wrote about savings accounts around here. Part of that is because there just hasn't been anything exciting to report. Interest rates are still pretty low, and the difference between banks is minimal.
Lately, however, there's been a bit of bubbling in the marketplace. I'm not sure if anyone else feels it, but it seems to me like rates are ready to rise. (They could hardly go any lower!) Plus, people have begun to e-mail me again asking about where they should put their money.
So, let's talk about banking. How do you choose your savings and checking accounts? Is it based just on interest rate? Or do you take special offers into consideration? What offers have you noticed lately? It used to be that most of the high-yield savings accounts offered some sort of incentive to sign up. Maybe it's because I haven't been looking, but I haven't noticed this lately. Have you? What other promotions are out there? And how do you find out about them? What are the pros and cons of pursuing these deals?
For example, my pal Jim over at Bargaineering just wrote about a bank deal earlier today. M&T Bank — which only has branches on the east coast — is offering bonuses of up to
$150 $100 for opening a new checking account.
And though it's not a bonus really, Ally Bank is offering "raise-your-rate CDs". Open a two-year certificate of deposit with Ally, and if rates increase during those two years, you can request a rate increase (but you can only do this once). Since even the best CD rates are pretty low right now, this is a good way to protect yourself if they start to rise (as they probably will).
What are the drawbacks? In most cases, there aren't any — if you're willing to jump through the hoops required to get the bonuses.
For example, rewards checking accounts can offer better returns than even high-yield savings accounts. But to get these returns, you have to use a debit card to make 10 or more point-of-purchase transactions each month, go paperless, and so on. If you don't do these things, you don't gain anything. (And, in fact, the company that provides rewards checking accounts to banks and credit unions markets this product as a profit center for the bank, so that should tell you something.)
There is another option putting your savings in peer lending sites such as Lending Club. This works by people requesting personal loans, while others fund them based on criteria provided by Lending Club. You can invest how ever much you want, and Lending Club says they offer an average of 5.6% – 10% returns. This sounds great, but the drawbacks are that its not FDIC insured, its not the safest place to put your money, as some might default on their loans, and you have to continuously re-invest your money if you actually want it to grow.
This article is about Ask the Readers, CD Rates, Choices, Savings
SmartyPig is raising their rate to 2.15% for balances under $50 to encourage smaller savers. I think it's great because most rewards accounts at banks only give out the best rates to the already-rich.
I also like the referral bonus at ING, but I'm not opening another account just to get the $50 bonus for the Sharebuilder add-on.
In answer to Liz's question, while I had considered opening an account just for the offer in the past, I had never actually done it.
That changed when I decided to do an exchange program that will take me out of the country for two weeks soon. I checked the fees for using my chase cards (debit to get cash from the ATM and credit since it will be an option). The rates were atrocious. 3% + a $3 fee on debit and 3% on credit. I looked around and found a card with no foreign transaction fees and 2% cash back. The catch being the rewards go straight to your brokerage account which you have to have $1000 in unless you open a checking account as well. I went from having one credit card, a checking account and an online savings account, to having, 2 credit cards, 2 checking accounts, a brokerage account and an online savings account.
I did not think that was going to be a big deal but I have found the complication just from adding those couple of accounts is making it a *lot* harder to manage my accounts and keep my money straight. Score one for simplification. As soon as I get back I'm switching things around to simplify it as much as I can.
While having a card with no foreign transaction fees is worth this to me, there is no way I would do this for $100.
@Chickybeth: The flip side of SmartyPig's coin is that a 1% interest rate hike on a small amount doesn't really get you much. As a good yardstick, a 1% APY increase on $1000 is $10 more per year — less than a buck a month. SmartyPig will start piquing my interest more when interest rates get back to pre-recession levels.
Its hard to figure out what would net me more. I use a lot of credit card transactions(18/mo), but I also keep a decent amount of money in the bank. (17K) I'd be really interested in an article getting into the nuances of this trade off. right now I put big purchases on the reward credit(1-3% cash back), and try to make the minimum transactions on the rewards checking. (4% interest)
First savings and checking: Went with B of A because it had free checking and was in walking distance of my dorm at college. Switched to Wells Fargo when it offered the same thing, but also gave free xeroxes. Kept thinking about switching to Wamu when it moved to campus because it had higher rates etc. but never got around to it.
Then we moved across country and branch banking didn't exist yet in that state, so we had to drop our previous accounts (getting my money out was a PITA– should have done it before leaving state!). We picked a local bank in walking distance with free interest bearing checking and savings that belonged to a local network of free atms. It did well by us… we miss it!
Then we moved again to another state and couldn't use the local bank anymore. We scoured for the best interest rate with no fees attached, ignoring minimums etc. We ended up with a credit union. The credit union is not as good as the local bank we left in terms of hours and atms which is a bit annoying, but we make due. At the same time, we also signed up for Etrade with its (then) high interest rates on savings and kept the bulk of our short-term savings there.
This year we're temporarily in yet another state and needed an account so we could get travelers checks on short notice (which we will never do again– nobody uses travelers checks anymore and it's a pain to change them! Times have changed.) So we took our $50 bonus into Wells Fargo and got a free checking account. There seemed to be fewer strings attached than for the somewhat higher bonus at Chase. We also signed up for a savings package because the rates were about the same as Etrade and it seemed to be worthwhile at the time, even though we could have gotten free checking because our mortgage is through Wells Fargo.
Overall, it is really difficult for us to change checking/savings. We usually don't do it unless we have to. Currently we have 3 savings accounts and 2 checking accounts and we just move money between them as rates change or I run out of checks for the credit union (Wells Fargo gives free checks, the CU does not… paying to order more checks always makes me sad even if I donate to charity with every check order).
I think if people considered the real return of their savings accounts (interest percentage minus inflation) then they might not get so excited about higher rates or down about lower rates.
If inflation is 2% and your bank account pays 2% then you are breaking even which is fine considering there is risk involved in that investment.
If inflation is 15% and your bank account pays 15% then you are still breaking even – although it may seem like you are further ahead than in the first scenario.
I had an offer with chase about a month ago that would give me 125$ for setting up a direct deposit transfer and I did and now I am about to close the account and move over to Ally bank as the interest on the checking account and savings account seem better. Not to mention Chase wants me to put 300$ in a savings account to avoid getting a 5$ charge every month – thats 300$ that is not earning diddly squat!
Several years ago I opened up several on-line savings accounts to get bonuses, get better rates. I echo what "chiefcaba" said earlier – it makes things too complicated and is really not worth it.
Currently, I have one local bank (checking only) and two on-line banks that I deal with. I had kept two on-line banks in case of an emergency so that if one on-line bank was down I would have another option. But with my local bank having on-line capabilities, I am not sure I need to have two on-line banks anymore. I may just choose one and close the other. There is something to be said for simplifying finances!
I have had the same account since starting college through a credit union that supported teachers (I was a TA and that counted somehow) and still love it even though the nearest ATM is 30 minutes away and the nearest branch is a 90 minute drive. With the co-op of FCUs and online banking I hardly ever have to go inside or find the right ATM anymore.
That being said I have been looking into switching to USAA and do everything from one place that is fully online and offers ATM fee replacement and other nice bonuses (like discounts for multiple services, insurance) not available at my credit union.
I agree with JD above that simplifying is the best way to go, I have one account with one savings, one checking and one credit card. Hard to mess that up, although I seem to try from time to time. I think that if you start writing about special bank offers and best rates on GRS it gets away from the core values of ditching debt and saving more. It may encourage credit use and less simple financial living (that is just my feeling though).
We Love The US Treasury.
Use treasurydirect.gov. Sign up, give it your checking acct info, behold the treasury instruments you can buy.
You can dump as much money in as you want, starting at $25, in different instruments. I suggest an automatic buy of $25 Series I each month, and a two-week offset auto-buy of 4-week T-Bills. This way you're never more than two weeks away from at least a thousand dollars.
The interest rates aren't so high, but it's the safest investment that exists. This is what your savings acct manager is doing with your money anyway.
Regarding writing about the best interest rates for cards, or the best rewards cards… please don't.
Nor anything else of the similar ilk. There's plenty of sites out there that do have that information, and its usually seems to be copied from one to the other. Just this last week I unsubscribed many 'personal finance' blogs from my RSS feeds because they seemed to have become more about advertising for rewards cards, or 'bonuses' to open accounts.
One of the reasons I enjoy GRS and stay subscribed is not having to wade through such posts.
I've opened a few accounts online just because of the bonuses offered. I found out about most of them from a blog called bloggingbanks.com – I think it's pretty much all that blog posts about.
Locally, I live in a town where banks now outnumber bars (and it's a college town!), so when a new bank opens, there's usually some sort of nifty bonus to be had. Over the years, that's allowed me to test many of the local banks and pick the one our whole family decided works best for us (best interest rate, online banking, ATM card with rewards and fee rebates, etc).
I recently moved and noticed quite a few bonus offers for opening checking accounts. I figured it wouldn't hurt to try a few. It might be nice to have a local account (I was previously relying exclusively on Schwab for Checking and Alliant Credit Union for savings). I suppose it was a bit of a hassle to sign up, but I already received the $225 from Chevy Chase (soon to become Capital One) and I'm waiting for the $100 from PNC. Would I have done this if I already had a local account? Probably not. But the potential $325 was enough to push me off of the fence.
One other point. Given how low interests rates have become, I've really been re-thinking rate chasing. In my opinion, it's a lot more valuable to find an account that reimburses ATM fees. Even on months where I use more plastic/less cash, I end up spending at least 9 bucks on ATM fees. Given how low my balance is in my checking (I try to keep the bulk of my funds in savings so I don't over-spend), this actually saves me more money than I would make if I found an account that paid %1 more annually. Also, I have a new policy of only paying cash at bars (less chance of me leaving my credit card after a few drinks), and it's a lot more convenient for me to duck into the nearest convenience store rather than go out of the way to find my bank's ATM. This is one of many reasons why I LOVE Schwab.
I couldn't believe a bank was actually RAISING my rates! It was great! Helps me to build up my emergency fund more now.
I'm in the same boat as Eliot(#14). Initially, I was lured by the $100 bonuses – but I am glad that I took the offers from multiple banks – not for the cool cash – but for the opportunity to 'test' drive the different banks in our new locale.
Besides these new customer offers – the best offer I ever jumped on was last year through my local credit union. They gave me a whopping 5.75% on a 1 year CD. I just wrote about it a few days ago…
Sometimes the best way to find them is to just visit them – online and in person.
I got an offer in the mail from Washington Mutual (a while ago, obviously!), and I did take advantage of it. It was very straightforward: open an account with x dollars, and you get $100 after a few months.
I've recently gotten offers from Chase but they are NOT straightforward: open the account with x dollars, and perform y number of debit transactions per month, and maybe there is some other qualifier. Definitely not worth the hassle. Plus I love my bank (USAA) so I'm not really shopping for a new one.
I used to be a member of a credit union and it was wonderful. Then I moved to NYC and we opened an account with Chase since we couldn't use our CU there. It was beyond awful. We switched to Citi since it was national and we knew we would be moving soon.
We got to Chicago only to find that our NY account can't really be accessed from here, it's a huge pain. I'd love to be a member of a credit union again but there's the hurdle of changing all the direct deposits and direct withdrawals… sigh.
To me, the interest isn't too important. 1 or 2 points isn't going to make much difference in the <$2000 I keep in checking. Service and convenience is far more important.
Savings accounts give such crappy interest these days (my Ally account gives 1.25!) that they're barely worth choosing over a simple checking account.
I mean, wow, I get $62 if I average five thousand dollars laying in that Ally account for a full year.
Forget savings accounts. Checking accounts at least keep the money out of my house and safe, and I can withdrawl at any time and at any level.
I'm in the process of moving all my finances to schwab. I'm extremely happy with them. They reimburse ATM fees anywhere, have no foreign transaction fees (a big selling point for me) and I can make deposits by mail. I'm about to go on a 5 month trip and relocate to another state, so having a bank which is easily accessible anywhere (online) is important to me. I also think that simplifying finances is much more important than the bonuses that you get for opening accounts, it just isn't worth it for the bonus.
I enjoy some posts of this nature on getrichslowly, however, please don't do it too often. I can get the information I need elsewhere, the only thing that is useful here is an occasional prod to re-evalute my situation and the comments people leave in response to these posts.
I opened up an online "high interest" savings account with Citi a few years ago. Since then the rate had dropped below 1 percent. The main reason I stayed with them this long was because I was able to access the "online" account at a local Citi branch. Once the rate dropped below 1 percent, I figured it was time for a move. The CapitalOne/Costco offer finally tempted me to move with 1.4% rate, 10% bonus on interest earned, and a $40 member incentive convinced me to open an account there.
Hi J.D. I've always loved your blog, quite informative and I definitely need to follow some of your advice. Not in debt but overspend too often.
I remembered when WAMU had a 5% CD, that was the "golden" days huh.
By the way, I have some comics (some quite old) that I would like to give away/sell/trade. Maybe we can do a simple swap, my comics for your "Your Money" book.
Quite seriously awaiting your reply,
Tian W.
Regarding the point about rewards checking: BancVue is not the sole provider of rewards checking. Those aren't a particularly good deal.
I work at PerkStreet (www.perkstreet.com), where we offer up to 2% back right now on debit spend with a checking account that is free if you use it. No transaction requirements to get the rewards.
It's true – rewards checking can be a better deal than high-interest savings for many folks. And they can be used together for a particularly powerful mix.
I'm curious what the consensus is on ditching b&m banks all together and switching all checking and savings to an online-only bank?
I've been with the same b&m bank I opened my first checking/savings accounts with when I was 16 years old. The name of the bank has changed a few times, but, out of habit, I've always had these accounts (my mom is still listed as a co-signer I haven't gotten around to removing). I get no interest on my checking and the savings rate is abysmal.
Most of my savings I've already put into high-yield online savings accounts. Now that Ally, HSBC, Schwab, etc. have seemingly decent checking options with free checks, no ATM fees, some interest (many have higher rates than my b&m bank's savings) I'm thinking of switching over. The only hookup is that my job doesn't provide direct deposit, so there will be a little delay from when I can deposit checks through mail as opposed to instantly at my current bank's drive-thru teller.
I'm wondering what others may think of this approach, or is it still best or more secure to bank at a place you can actually walk in to do business with in person?
The banks have it figured out like the credit card companies do. They will sucker you in with "A", (give you something a bit lower than elsewhere), then will ding you with "B", "C", "D" and "E", fees and charges or x y and z requirements, that if you don't meet them, will result in extra fees later down the road. I run the other way when they advertise free this or free that. They know we don't have the time or won't take the time to check out every little detail, but they have! They hire full-time people for that, just like the credit card companies do.
I am not a fan of sponsored content in the form of a post at all (including the federal expenditure poster), thanks for soliciting the thoughts of your readership J.D. I really feel your core tenets should serve as a material anchor. Diving into the minutiae of rewards credit cards and banks accounts cheapens GRS – creating and sustaining lasting wealth is not fundamentally about chasing the little pittance that banks and credit card companies offer their customers to induce them to change their market behavior.
My household banks with one of the Big Four, because my local market is literally saturated with ATMs, their online bill pay interface is incredibly user friendly, and their customer service is consistently professional. I also love ING for long term and targeted savings (Gifts, Travel, Auto Ins. Premium). We have one credit card that is used quite sparingly; we do not even carry it in our wallets everyday -I really do not even care what the rewards are. I do believe that foreign transactional fees might be something that concerns us as we began to travel more overseas, God willing.
I've opened three accounts to get the bonuses totaling $225. Wrote about it, too, for MSN Money:
Only one account is getting active use. It became my "home" fund, into which I put money from rebates, babysitting, recycling, etc. The two are just sitting there. Since there's no penalty for non-use, I expect they'll continue to sit there.
One of them is at a bank with a strong presence in Alaska, where I'll be house-sitting for part of the summer. It will be a small EF in case I need cash. Or in case I do any babysitting and want a place to stash the dough.
I like to use my small local bank for my savings account. No cash perks, no toaster (I do get a nice BIC with their name on it every once in a while)
This is where I keep my contingency fund. It needs to be FDIC insured and local. I keep just enough in there to cover about a year of expenses. Every dollar above that is out there actively making me money (I hope)
I try to patronize the small businesses in my town whenever possible. I know that the small 'extra' I pay is supporting our local economy. It does matter.
If you are in the Boston area, Wainwright Bank is offering a $200 savings bond (with direct deposit, e.g. your paycheque) and they have "Only-Up" CDs that will only increase in rate. We passed on those as our desired term is shorter — about 1-2 years — and those particular CDs are 3 year termers. The savings bond is legit, I got mine.
We use credit unions because of their better- than-bank CD rates. We ladder 5 year CD's. We recently found a local credit union that paid 4% for the 5 year.
Our only banking relationship is with Discover Bank where we are still getting 6% on a couple of ten year CD's we took out about ten years ago. Yikes!
Low inflation? LOW INFLATION? I don't know
what galaxy people are living in, where they
have low inflation, but the 70s were heaven
compared to these days….and it's all due to
one item, HEALTH CARE! I don't know where
health care (and insurance) fits in on the CPI, but if I retired
today, I'd be looking at somewhere around
$1000.00 per month for a high deductible plan.
(I have a pre-existing condition) When I see
my (potential) cost of living rising more than
20% per year, 1% money market funds and 2%
CDs don't excite me. I'm ranting, sorry….
To address the topic, I'd say that every so
often it's nice to catch up on rates, but as
has been pointed out, lots of sites cover rates
and promos, so my opinion would be that more
than every month would be overkill.
M&T is a local bank for me, but I've been with the same (other) local bank for years for checking while having an ING account for at least the last 5-6 years, maybe longer. I like ING, even though the rates are dropping, because it's semi liquid. Knowing I don't have instant access to it means I can't easily spend it. Now, I did take part in ING's checking account bonus, so that checking account is open, but nothing is in it anymore, and I took advantage of the ING Sharebuilder bonus with a SMALL investment in a stock that hasn't really gone anywhere.
Just today though another local bank's advertisement caught my eye, http://www.sovereignbank.com/personal/promotions/q2-2010-all.asp?stroff=banking
Open a no-fee checking account with a minimum of $100, open a no-fee savings account with a minimum of $100, activate online account management, get a Visa Check Card linked to the checking account and make 5 purchases on it within the first 60 days, get $150 bonus.
I'm OK putting $200 aside to make a $150 within 75 days. The 5 purchases I'll make will probably be coffee at the local WaWa or something, just so I can get them done and over with quickly and get the bonus that much faster. I'll wait a few months after I get the bonus then close the accounts.
According to the fine print, alas, the $150.00
offer is good only to residents of northeastern
We are at ING and have been for years now. The current rates suck for the savings account, although I do have some decent CD rates for CDs at ING that are part of our CD ladder.
I've looked at the reward checking accounts that people keep talking about in the forums, but there seem to be so many hoops I'd be unlikely to be able to keep up. And my savings is for savings not spending so having to make purchases and so many purchases per month doesn't really seem like it would work for me.
I've also looked in the credit unions but the savings rates are lower than ING.
So, thus far I'm cooling my heels at ING and recognizing that my emergency and other savings is not a profit center but a sanity center.
I guess my point about SmartyPig was not that the actual rate increase itself was such a big deal worth switching for, but that they are the only company I know that is raising rates now instead of lowering them. This paints them in a favorable light to me and I remember them when I am deciding where to put some extra money.
I think J.D.'s point of this article is to find out if there is any type of reward that will make the GRS reader switch accounts just to obtain said reward. The consensus seems to be no.
I opened a checking account with ING to get the $50 bonus that Liz mentioned. Since I was already a savings customer with them, I found out about it through a promotional email. It wasn't much of a hassle to complete the 3 transactions or whatever the requirement was for the bonus.
I don't chase incentives. As the busy, work outside the home parent of small kids I just don't have time for the hassle.
I've tried to stick with smaller local banks since long before it came back into fashion. I like knowing that my money will remain in the community, and I like knowing that my bankers know me.
I am also more concerned about keeping fees low rather than getting a higher interest rate. One $40 bounced check fee can wipe out all the extra earnings from an extra .25% in interest on a $1000 savings account.
As a follow up about the Sovereign Bank offer, their Interest Free Checking account charges a $10 monthly fee if you don't do direct deposit. I won't be, and since I need to keep the account open for at least 75 days to get the bonus I figure I'll eat the $30 in fees to make the $150. Still not a bad way to make $120 by only investing $200 in three months.
We chose ING Savings since my grandparents and parents recommended it in 2005 when online banking wasn't nearly as popular. We stuck with them since they have excellent customer service and we love making interest on ING Checking as well. We chose Smarty Pig for our emergency fund due to their interest rate (2.01% when ING was at 1.1%).
Please don't start posting credit card reviews. There are dozens of sites out there that do a good job with it. The posts feel like advertisements, whether or not they're intended that way, and that's not the content I want from this kind of blog. Posts about where to find good interest rates on savings don't bother me nearly as much.
For me, my checking account needs to be a brick & mortar place somewhere that's not totally inconvenient for me as I still receive one paper check per month. I chose a rewards checking account with a small town local bank in the suburb where I lived when I opened it. I've considered changing banks as I have since moved, but I'm still in that part of our metropolitan area pretty regularly, so it's not an inconvenience to drop by now and then.
My savings account has a lower interest rate than my checking, but I've found I need the distance provided by an online bank. For this, I chose HSBC. If I really really REALLY need it, I have an ATM card with which I can withdraw cash from my savings, but otherwise, my withdrawals are online transfers from savings to checking. HSBC does allow a recurring automatic transfer, so that happens at the beginning of each month.
I've tried keeping extra money in the higher interest checking account to earn a few extra dollars a month, but I ultimately ended up chipping away at the larger amount, simply because I knew it was there. It had to go back to the savings account where it is more difficult to get to.
Concerning your question in the tip, I read GRS for the personal side of finances. Just like I read Bargaineering and a few others for the technical side. I don't think you should provide free advertisements to speciality bank accounts in your blog. IMHO.
I opened accounts with ING a couple of years ago and I like the interface and the easy of using multiple accounts, even though the rates have gone down.
After I received some inheritance last year, I also opened an Everbank account. I was not happy with them and ended up closing it in March. Why?
The first-year interest rate is not what the 2.25% interest rate it was set at when you opened it, but what that interest rate is set for the first-year interest rate. Right now it's 1.51%. It wasn't explained well to me and I felt like I had been gyped.
I only got account statements every quarter, so it was difficult to see what interest rate I was actually getting.
Unlike ING, Everbank took five business days to register any deposits so it accrued interest.
And when I called to close the account? No questions why and no attempts to keep me as a customer.
With that said, now that I finally have direct deposit available through work, I'm slowly weighing rewards checking account options.
I love these offers…
I've received the $100 from Chase, $200 (-$60 in fees, net $140). from Union Bank, and $50 from Wells so far this year.
For offers that require a minimum of 5 charges per month, the key is to find out when your statement dates are so you can always be sure to charge at the right time (it's not 1st-30th, usually). Also, keep a post-it note on your card and write down your 5 charges each month when you pull it out. Easy!
The ING Direct $50 electric offer was not good for me because they do a hard pull on your credit report and will deny you if you have bad credit. These banks seem to be including a "cash advance line of credit" with all checking accounts now without telling people…when you log into your online billpay it shows up and the interest is outrageous. This seems to be the latest scam…they are hoping the debit cards will turn themselves back into credit cards basically.
The worst was I was logged into paypal the other day and leaned over my laptop and bumped it. My mouse happened to be on a link they had in my account that instantly applied me for credit without filling out a form. Seriously, it was one mouse click.
I was like WHAT???? I complained to Paypal and the vendor by email. At first paypal tried to act like they didn't know WTF I was talking about. Unreal!
1. Customer experience.
2. Interest rate.


text:
9 Vacation Expenses to Estimate Before Leaving Home
11 Comments
These are all great tips...but I always spend way too much on food....
Don't forget departure tax! Depending on where you're leaving, there's usually a small (or not so small) tax at the airport, and some countries will only accept cash in local currency.
Good point re: departure taxes. Not only on flights, but other modes of transport AND if you're crossing borders in the same trip.
And though I'm not a fan of it, knowing when to grease the wheels with a tip can also save you some aggravation.
Bank cards/ATM fees-see if your bank has sister status in other countries. EG-my Canadian Scotia Bank Card I can use without extra fees in Mexico, France and Spain (and lots of other countries I haven't been to). If you're going to be using your card a lot, or are there for a significant amount of time, it may be worth it to open an account.
Another money tip would be to know what credit cards can be used. My last trip, it seemed to be common knowledge that Visa was more accepted than MC so I got myself a Visa, just in case.
Exchange rates-this only applies to places where there are street changers, but know who gives the best rates. The default we all assume is the bank, but this isn't always the case. I've used changers on the Belize/Guatemala border and in Granada, Nicaragua at a great rate.
Make sure that you call your bank before you leave and confirm that they know you are leaving the country (or any travel for that matter) and provide them with the dates that you will be away. Make them aware that it will be you traveling and request no emergency holds be put on your card without your knowledge, however DO request an emergency number that you can call someone and reach someone at 24/7 should you have an issue with your card. Make sure that if you are traveling with your husband/partner/ someone sharing your account, that their card is also covered when you call to notify the bank. You do not want your Credit or Debit card to be turned off because the credit card company doesn't think your traveling from an airport in Atlanta to point B is your normal routine. You could be left with a headache and without any form of money. (Always carry a backup!)
I bring this up because of recent experience when my mother's card worked when I took them with me to Spain, but even though my father was on the same account his card was shut down and eaten at the ATM. The bank had assured them it would work and there would be no problems and could not see why it was occurring (had no 24 hour number to be found) and we were forced to play phone tag with a 6 hour time difference.
Also, for museums and other places you would like to see that may add to the budget...look for times when they may have free hours when they are open to the public. They may have limited hours and yes there may be a line, but if you are willing to deal with a bit of a crowd, you can save a good deal of money to see the things you want to see. (Spain's Prado museum has a public hour in the afternoons, I think we went on a Saturday, about 2 hours before closing) Some places have deals where if you buy a ticket in the afternoon near closing, you can come back the next day without any additional charges, or a small second day fee of $10. Can be a BIG savings when tickets cost sometimes $50+ per day!
I also budget a housesitter / cat sitter when I go away. Right now, we usually have the daughter of a friend stay at our home. She still lives with her parents and loves the opportunity to live on her own in our house while we're away, but we still do pay her something for her services.
i almost always spend more than what i had budgeted, mostly on food and shopping. Then again, it was never a major bleeding because i never spent too much on lodging. hostels are my preference as long as it is relatively clean and in a decent nabe. they are the best for solo travelers (like me). a bunk bed in a dorm room is between $10 to $25 a night. granted you have to be able to sleep in a dorm room and share bath. the finicky ones who can't tolerate light and noise will have to pony up to get a private room.
If we're driving I insist on bringing a bag and cooler full of food. I have a wheat allergy anyway but if the hotel has a fridge, it saves tons of money. And the bag will be empty by the time we get back so it's one less thing to carry.
Good point about the pet sitter too. We offered our sitter $10 more per visit than she asked for. Sadly she has a bad attitude and is too hyper to listen to what we tell her. She works at a vet clinic so I thought she'd actually be responsible. Anyway, we now need a new person so I won't worry to death about my cats when we're away!
While I wasn't much and I could use a credit card, I had to pay for overweight baggage on a local flight in China. I didn't have to pay it on the US airline to and from China, just the flight on a local airline. So don't be suprised if there are different allowances on different carriers.
Check for taxes in general. I've had hotels add on almost 20%. And also see if the countries you're in offer tax refunds for non-residents on retail goods. There's forms available at the airport (and possibly your hotel), but if you spend over X amount of dollars, save your receipts so you can get some of your money back.
@Emmi: As a matter of interest, what would be a reasonable amount to pay a cat sitter? I thought £10.00 ($15.00) a day is OK, but my friend thinks that is way too much.
Visas -- anywhere you get a visa on arrival, check before if you need to pay for it and what currency they accept. For transportation (especially in Europe) book online days or weeks ahead and you usually get good fares or can pick the lowest (rush hour fares in Switzerland, for example, can cost double a mid-day ticket).


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Top state officials on Wednesday rebuked Anthem Blue Cross and Blue Shield in Connecticut and Hartford HealthCare for failing to negotiate a new contract, leaving patients to either pay higher rates or seek medical attention elsewhere for many procedures.
Gov. Dannel P. Malloy and Lt. Gov. Nancy Wyman said in a joint statement Wednesday that they are "extremely disappointed" the two parties allowed their old contract expire Tuesday at midnight without negotiating a new one.
"We're not interested in assigning blame," Malloy and Wyman said in a statement. "We want to make sure that everyone in our state has access to affordable, high-quality health care. We simply cannot let profit margins stand in the way of that goal. Both companies need to return to the table and work out a deal that protects the health of Connecticut residents."
The disagreement means Anthem customers face higher, out-of-network rates for many services at Hartford HealthCare's five hospitals, or they have to seek...Read more
Anthem Blue Cross and Blue Shield in Connecticut and Hartford HealthCare late Tuesday afternoon still had not resolved their differences and the five related hospitals are out of the insurer's network starting Oct. 1.
Here are answers to common questions patients might have.:
Q: What if I have an emergency?
A: Emergency care is not affected by the change. In an emergency, Anthem said, a customer should always go to the nearest emergency room regardless of its network status.
Q: Which facilities are affected by the dispute, and when are they out of Anthem's network?
A: Starting Oct. 1, the following facilities will be out of Anthem's network if no agreement is reached: Hartford Hospital, The Hospital of Central Connecticut in New Britain, MidState Medical Center in Meriden, William W. Backus Hospital in Norwich, Windham Hospital, The Institute of Living and Jefferson House.
If the impasse continues, the following facilities will be out of Anthem's network on Nov. 1: Natchaug Hospital,...Read more
The state's largest health insurer and a network of five major Connecticut hospitals still had not reached an agreement Monday afternoon with less than 36 hours to go before the existing contract expires at midnight Tuesday.
Anthem Blue Cross and Blue Shield in Connecticut and Hartford HealthCare continue to negotiate contract terms. It's the latest of many contract negotiations between health insurers and hospitals that become mired in debate over the price of medical services. Many similar disputes are resolved near the contract deadline.
"There's always an opportunity here, and that's what we're working toward," said Dr. James P. Cardon, chief clinical integration officer at Hartford HealthCare, who is part of the team that negotiates contracts.
Anthem spokeswoman Sarah Yeager said, "We want Hartford HealthCare to remain in our network and are working very hard to make that happen. … We understand that access to hospitals and providers is important to our customers — but...Read more
Hartford HealthCare's five hospitals will be out of network for people who have coverage through Anthem Blue Cross and Blue Shield in Connecticut if the two parties don't agree on contract terms.
Emergency services, however, and some other treatments will remain in the insurer's network even if Anthem and the hospital group don't reach an agreement.
For other services, Anthem customers would have to pay higher, out-of-network rates, or they would have to seek medical attention at other facilities in the insurer's network.
This is the latest of many contract disputes between health insurers and hospitals over the price insurers will pay for various medical services. Negotiations are often resolved close to the deadline. Occasionally, an insurer and a hospital reach an agreement after a gap in in-network coverage, and the insurer agrees to retroactively cover treatments during the gap at in-network rates.
The rift between Anthem and Hartford HealthCare potentially affects about 104,500...Read more
The Connecticut Insurance Department has struck down proposed increases to health insurance plans offered by Cigna Corp. and Time Insurance Co.
Cigna Health & Life Insurance Co., a subsidiary of Cigna Corp., filed a rate request with an average 15.23 percent increase for individual health plans sold in the open market — not on the public exchange, Access Health CT. There are 327 policies subject to the rate changes that would take effect next year.
The Insurance Department said Wednesday that it reviewed the proposed rates and, after review of the actuarial assumptions in Cigna's filing, rejected the higher rates. Instead, the department modified rates to an average increase of 8.82 percent.
The department said it believes there will be excess federal funds available in a temporary reinsurance program that Connecticut insurers must apply to their calculation, which in effect lowers prices for next year.
Also on Wednesday, the department issued its decision on a rate request from Time...Read more
HARTFORD — Some people who buy health insurance on Connecticut's public exchange and receive a subsidy could see their premium jump more than 20 percent next year, a consulting group said Thursday.
However, the prices will vary from county to county and plan to plan, and some customers could see prices drop, Wakely Consulting Group said.
Thursday morning, consultants for the actuarial and health care firm gave their review to the board of Connecticut's exchange, Access Health CT, during its regular monthly meeting Thursday at the Legislative Office Building. The exchange hired Wakely to review rates.
The Affordable Care Act allows for subsidies — in the form of a federal tax credit — for anyone who earns up to 400 percent of the federal poverty level, meaning $45,960 for an individual or $94,200 for a family of four.
Subsidies are tied to the price of a benchmark health plan. All health plans sold on a public health exchange are classified on a scale like Olympic medals:...Read more
More than half of households who signed up for health coverage through Connecticut's public exchange in late 2013 and early 2014 did not have health insurance, according to a new survey.
In the year before signing up for a plan on Access Health CT, 54 percent of households did not have health insurance, according to a survey conducted by The Pert Group and commissioned by the exchange.
The two-part telephone survey of 6,015 Access Health CT users included 3,015 who enrolled in a private health insurance plan and 3,000 who enrolled in Medicaid. The margin of error for the survey is 1.2 percent.
"Access Health is a data-driven organization," said Acting CEO James Wadleigh. "And we're going to leverage this information to make sure that as we work through the new open-enrollment process, that we hit those locations and those customers that are in need the most."
Among those who bought private insurance plans sold on the exchange, 20 percent were "extremely satisfied" with the enrollment...Read more
The Phoenix Cos. on Thursday filed several unaudited 2013 quarterly reports that detail the company's losses through the first nine months of last year.
Phoenix concluded its 2013 filings Thursday by submitting results for the first three quarters of last year with the U.S. Securities & Exchange Commission. The company filed audited, full-year results on Aug. 6 and the quarterly filings on Thursday are a follow up to the comprehensive annual report.
Last month, The Phoenix Cos. reported a full-year net income of $5.1 million for 2013. The fourth quarter, with a net income of $128.4 million, more than made up for the losses in the previous three quarters..
The company has reported net losses in each of the previous four years: a $168.5 million loss in 2012; $30.7 million in 2011; $34.4 million in 2010; and $407.1 million in 2009.
The Phoenix Cos. in April restated financial reports for the first two quarters of 2012, all of 2011, all of 2010 and some selected financial data from 2008...Read more
Cigna Corp. announced a new brand campaign Monday that unifies the company's message to customers regardless of whether they are individual shoppers or have employer-based care, whether they live in the U.S., Turkey or China.
The company's new tagline, "Together, all the way," is markedly different from the company's "Go You" campaign, which focused on individuals.
"One of the things that Cigna learned when it was testing all the messages outside the U.S. is that the idea of being together really resonates well outside the U.S," company spokeswoman Gloria Barone said.
It's not that "Go You" wasn't successful — it was, Barone said. But a different message appeals to a global audience, she said.
As Cigna continues to grow outside the U.S., it has conducted marketing research that found that a message of rugged individualism does not resonate as well as the idea of being part of something: a family, a culture, a community, Barone said.
"So, the whole idea of somebody helping you, and...Read more
A bureaucratic bulletin issued Aug. 18 resolves a dispute between a Catholic lobbying group and the state Insurance Department over public access to documents detailing how health insurers account for federal funds and spending on abortions.
The issue is new this year with the introduction of federal tax credits, or subsidies, available to offset the price of medical coverage for low-to-middle-income people. Commercial health insurers are receiving federal funds, which by U.S. law cannot be spent on the full range of abortions for which insurers provide coverage.
To make sure U.S. taxpayer dollars aren't spent on abortion services, insurance companies must "segregate" federal funds from other revenue, such as premiums that customers pay for health coverage.
The Affordable Care Act, often called Obamacare, established online marketplaces where people could buy insurance coverage. The law also created federal tax credits, or subsidies, to reduce the price of insurance for anyone who makes...Read more
HARTFORD — Less than three months before open enrollment, the Obama administration is plucking the head of Connecticut's health insurance exchange to be CEO of the much-maligned website HealthCare.gov.
Kevin J. Counihan, 59, will be in a politically charged environment running the web portal for health insurance used by millions of Americans in 36 states that haven't designed their own online marketplaces.
In Connecticut, Counihan led an organization credited with creative marketing and outreach, dispatching workers to hand out branded bottles of suntan lotion at beaches and health-exchange brochures to 20-somethings at rock concerts. It opened storefronts in cities around the state to reach potential customers where they lived.
The state exchange, Access Health CT, had a relatively smooth enrollment period from October through March, and more than doubled its goal of 100,000 people signing up for coverage in the first year.
Access Health CT has been hailed as a model among state...Read more
The state Insurance Department and the state healthcare advocate recouped millions of dollars on behalf of consumers during the second quarter of the year.
The Office of the Healthcare Advocate said Monday it recovered $1.5 million for health care consumers between April 1 and June 30. The money is the cost of health care services, procedures and claims that would have been paid directly by consumers if the Office of the Healthcare Advocate had not intervened.
Also on Monday, the state Insurance Department announced it secured $1.3 million on behalf of policyholders in Connecticut and collected about $440,000 in fines against insurance companies, also in the second quarter.
The department's Consumer Affairs Unit handled more than 1,600 complaints and inquiries from policyholders, resulting in the recovered $1.3 million.
Most of the money recovered on behalf of consumers was for health insurance — $818,000 — followed by homeowners and farmers insurance, $198,000; automobile...Read more


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Thursday, January 19, 2006
Any Predictions Out There?
With the Newbery Award being announced this coming Monday, does anyone else have any predictions? We'd love to hear them.
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- Moving the mouse
The sky coordinates (RA/Dec and Az/Alt) of the mouse cursor are updated in the status bar
- "Hovering" the mouse
A temporary name label is attached to the object nearest to the mouse cursor.
- Left-clicking
The object nearest the mouse click is identified in the status bar.
- Double-clicking
Center and track on the location or object nearest the mouse click. Double-clicking on an Info Box will "shade" it to show/hide extra information.
- Right-clicking
Open the popup menu for the location or object nearest the mouse cursor.
- Scrolling the mouse wheel
Zoom the display in or out. If you do not have a mouse wheel, you can hold the middle mouse button and drag vertically.
- Click-and-dragging
- Dragging the sky map
Pan the display, following the drag motion.
- Ctrl+dragging the sky map
Define a rectangle in the map. When the mouse button is released, the display is zoomed in to match the field-of-view to the bounds of the rectangle.
- Dragging an Info Box
The Info Box is repositioned in the map. Info Boxes will "stick" to window edges, so that they remain on the edge when the window is resized.


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A leading global Oilfield Equipment Manufacturing company is constantly improving their facilities and processes and thus requires a CNC Programmer.
This individual must have a knowledge of current manufacturing and fabrication practices. This company's equipment runs on Seimens Controls and ESPRIT software so prior experience with such equipment and software is highly preferred.. Your background must also be in an Oilfield Equipment Manufacturing and Processes. A motivated and hard working individual would fit best in this role as there are times when you may be on call for special projects.
This position requires a minimum of 3 years of relevant previous experience.
This is an extraordinary opportunity for somebody seeking growth potential to work for a company that is extremely well respected in the industry and has a superb track record as their business has expanded globally.
This position is no longer open for new applications. Either the position has expired or was removed because it was filled.
However, there are thousands of other great jobs to be found on Rigzone.