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The Obama administration unveiled its new College Scorecard with much fanfare this month. Highlighted to college-bound students as a way to "get the most bang for your educational buck," the Scorecard is intended to serve as a consumer guide for higher education. The first section of the Department of Education's new College Scorecard features the average net price of attendance at the selected institution. To guide users, the scorecard categorizes these average net prices as low, medium or high.
There's just one problem: no student is average.
Consider a low-income applicant to the University of Pennsylvania, a school with a high sticker price. At Penn, a full-price student pays $59,600 (including tuition, room & board, and other fees) and a low-income student with a full scholarship pays $0. The average net price across these two students is $29,800. (As it happens, Penn's reported average net price is $20,592.) Just like high sticker prices, high average net price can mislead students from modest circumstances looking for affordable college options. Many colleges – particularly prestigious schools with high sticker prices – are committed to building socioeconomically diverse student bodies. At such schools, students' individualized net prices can vary significantly depending on their financial circumstances.
Would-be college students can access this kind of information before they decide where to apply to school. The Higher Education Opportunity Act of 2008 (HEOA) required all postsecondary institutions receiving Title IV funding to post net price calculators (NPCs) on their websites by October 2011. Using NPCs, students can identify their likely cost of attending different institutions – a number that often varies widely between students based on their state of residence, academic performance, personal income, assets, the number of family members also attending college and a variety of other factors. An individual student's net price is often different from both the school's full-fare "sticker price" and the average net price.
The administration seems to be focusing on the College Scorecard, so we hear little about the net price calculators these days. Like the College Scorecard, NPCs offer key financial information to students and families prior to application and matriculation. The College Board's 2012 study revealed that more than half of college-bound seniors from lower-income and middle-income families still rule out colleges on the basis of sticker price, but with the advent of NPCs, students from all backgrounds can identify affordable college options before they decide where to apply.
This innovation has the potential to turn college advising on its head. Instead of discussing financial aid after students have received acceptance letters in senior spring, counselors can help students build application lists in junior spring that take financial aid into account. With the Scorecard's average net prices, high schools students are left with yet another one-size-fits-all ranking of affordability; in short, it is not much better than the starting "sticker price."
To demonstrate the relative importance of individualized net prices, let's take a look at the projected cost of college for Cristina Moreno, the narrator of the 2004 film "Spanglish" and a first-generation low-income minority college-bound student. Here, we have compared Cristina's individualized net prices with the average net prices for three schools: University of California at Berkeley, New York University and Hampshire College.
For low-income students like Cristina, the College Scorecard misses the mark – sometimes by a big margin. As with sticker prices, these average net prices can indicate to low-income students that they will find neither financial support nor a warm welcome at selective schools.
Ultimately, the White House College Scorecard serves two important purposes: it provides policymakers a high-level view of the affordability of a school, and it provides students a more user-friendly portal to access existing summary data. Though the average net price might be helpful to policymakers trying to manage the overall cost of education in America, students making the biggest investment of their lives need easy access to detailed, individualized information. The Center for American Progress – which issued criticism of the draft College Scorecard in 2012 – praised the new version for including a link to each school's NPC. Even so, parents and students would need to visit each school's individual NPC – adding time and repetition to an already complicated college search – and then decode the distinctive results pages generated by calculators built by the numerous vendors in the space.
Despite the advantages of using net price calculators to identify affordable schools, the CollegeBoard's 2012 study revealed that only 35 percent of college-bound high school seniors used NPCs during their college search. Initial efforts to promote NPCs included a video contest and substantial press coverage, but many college access professionals and counselors still aren't aware of the net price calculators, let alone the federal requirement.
A report issued by The Institute for College Access and Success (TICAS) in October 2012 asserted that "net-price calculators are still not reliably easy for prospective college students and their families to find, use, and compare," noting (among other issues) that many schools post NPCs on obscure web pages.
Theoretically, links to all NPCs have been available since 2011 on the Department of Education's College Navigator, but the list posted there is far from accurate; in 2012, our team spent more than 500 hours identifying the correct links for all 7,000+ schools and campuses receiving Title IV funding. A quick check of the College Scorecard's NPC links revealed the University of West Alabama's NPC link actually directs users to its homepage, but at least the calculators garnered a spot in the new system.
Regrettably, in drafting the HEOA, Congress missed an opportunity to create a centralized system based on the individualized net price concept. HEOA did not compel schools to adopt a specific net price calculator, and the implementation of the NPC requirement has yielded more than a dozen different calculator types with hundreds of variations. To generate of individualized net price results across all schools in a College Scorecard type system, the federal government would need to compel the adoption of a universal net price calculator format and amend HEOA. Such a requirement would place an additional burden on college financial aid offices, but would certainly benefit students seeking a bigger bang for their buck during the college selection process.
At College Abacus, we are closing the gap between legislation – and its goals – and the actual needs of students, parents, and counselors around the United States. We are taking on the task of aggregating the net price calculators into a single, student-friendly tool. With the help of a grant provided by the Gates Foundation's College Knowledge Challenge, we expect College Abacus to expand from its current group of 4,000+ schools to include all US colleges and universities by September 2013.
Given the 1 trillion dollar student loan crisis, students need help identifying colleges that they can afford. The College Scorecard may have stimulated conversation on this critical issue, but it is unlikely to serve our most vulnerable students in their pursuit of affordable higher education.
Abigail Seldin is the CEO and co-founder of College Abacus, and an ABD DPhil in anthropology at the University of Oxford.
For years, veterinary medicine has been a field with a limited number of slots for students and, theoretically, good career prospects. But after years in which enrollments have grown and the numbers of pets and veterinary visits in the United States have declined, new veterinarians are facing a debt crunch, The New York Times reported. Salaries have fallen, and the average debt to income ratio for new D.V.M.s is now twice that of M.D.s.
Consumer Financial Protection Bureau asks for suggestions on how borrowers might refinance private student loans.
President Obama's call for a renewed emphasis on "affordability and value" in assessing colleges and universities pairs those two terms in a way that simultaneously highlights their difference and the degree to which they have become interchangeable in much of the current discourse about higher education. There is a growing consensus within the higher ed community that we need to do a better job of "defining the value proposition" of liberal arts education. There is less agreement, however, about what is meant by "value."
Media reports like the ongoing New York Times series "Degrees of Debt" are quickly solidifying a public perception of the value of an education as a straightforward calculation of a graduate's future earnings minus cost of attendance. Even if we set aside the compelling arguments one can make for the intrinsic and civic value of a liberal arts education, and stick with an economic cost/benefit analysis, such an equation fails to capture the complex feedback loop that is higher education finance. In particular, it ignores the degree to which value is affected by demand, and demand is affected by many of the very qualities that contribute most significantly to cost.
Three reports that have come out within the last month provide an interesting cross-section of the issues. In early January, a panel discussion at AAC&U on "The Economics of the Liberal Arts College" included the presentation of data from Charles Blaich and colleagues at the Wabash Center of Inquiry in the Liberal Arts claiming that less expensive colleges offer more "bang for the buck" than do higher-priced institutions. On January 10, Moody's released a report offering a "negative outlook" on the entire higher education sector, citing in particular "weakened pricing power and enrollment pressure." And finally, a study by two University of Michigan economists published by the National Bureau of Economic Research found that, contrary to popular belief, investing in the "consumption amenities" that are so often derided by commentators in fact heightened demand and increased value for less selective colleges — i.e., made economic sense.
Most commentaries on the high cost of higher education assume as a matter of course that student demand will correlate positively with affordability. In fact, despite the current storm of criticism, demand remains high at many of the most expensive colleges, most of which offer generous financial aid. Since level of student demand is one of the major inputs driving the perceived quality and pricing power of a school, any calculation of "value" needs to recognize that economic value is not synonymous with low price. On the contrary, where high price is matched by high demand, the two reinforce each other, as high demand justifies high price, and high price reflects a level of demand that contributes to reputation.
There are several flaws in the claim that in higher education, economic value = future earnings – price paid:
Ultimately, many families understand what many higher ed commentators do not: that the link between price and "value" in college tuitions is already so tenuous as to seem wholly arbitrary. This is not because colleges get away with charging too much. It is because they already charge too little. The market price of a product is always somewhat arbitrary, as it reflects what people are willing to pay rather than a product's actual production cost, let alone some intrinsic value. But what other commodity is routinely offered at a cost substantially less than the price of production, and then discounted again based on the consumer's ability to pay? At the most expensive colleges, the cost per student is thousands higher than the tuition price, and the endowment already subsidizes every single student, even those paying "full freight."
In thinking about where money plays into our understanding of the value of the education provided by a college, we might line up cost, price, and prestige, and picture them as points along a continuum. At the cost end, we have the full monetary value of an education, that is, actual funds expended to provide it; next, a tuition fee that partially reflects cost, but also reflects the other resources available to subsidize it, as well as the market's willingness to pay; and finally, the value publicly attributed to the education provided, a value that may be realized by the owner of a diploma when he or she gets a job or other benefit based in part on the prestige of the college he or she attended.
The progression from concrete funds expended to abstract benefit gained gradually transfers economic value from the institution to the student. Over time, the value of the investment made is more than recouped (and recent studies show that this continues to be the case). Finally, in a feedback loop that is unique to higher education, the owner of this investment may ultimately return value to the institution, either by donating funds, or by enhancing the college's reputation through his or her own success. Thus, tuition paid is not complete payment for a discrete good or service, but partial payment towards a lifelong investment.
By framing this argument in economic terms, I am not buying into the notion that the primary value of an education is economic, but trying to show the limitations of that analysis. We all recognize that we must work as efficiently as possible to focus our resources on our core missions. But we also need to recognize that lowering costs does not always increase value. Given all of the commentary over the last decade about the increasing elitism of higher education -- the challenges of gaining admission to top institutions, the increasing competition among institutions to move up in the U.S. News rankings — I find it astonishingly naive to imagine that public perception of the "value" of an education from a particular college is not affected by its perceived status. And one thing that we all know from the U.S. News wars is that status comes at a high cost. No one ever rose in the rankings by increasing class size, paying their faculty less, or hiring fewer fund-raisers.
All the more reason, then, to refocus the discussion on the multiple forms of value, tangible and intangible, that can be derived from a college education, rather than imagining value can be reduced to a single measure. If the price tag of a college education represented its real value, then a fully funded fellowship to Harvard University would result in a worthless degree.
The real value of an education lies in a unique nexus of opportunity and effort that produces a different outcome for every student. Rather than using imperfect mechanisms of accountability to tighten the link between affordability and value, our task should be to loosen it, and generate the resources needed to give all students access to the education that best serves their individual talents and aspirations. That would be value added.
Alison Byerly holds an interdisciplinary appointment as college professor at Middlebury College, and is currently a visiting scholar in literature at the Massachusetts Institute of Technology. In July, she will become the 17th president of Lafayette College.
After this winter's National Association of Independent Colleges and Universities meeting, the challenge voiced by a panel of Congressional staff members still rings in my ears. They asked: What is the return on investment for the $150 billion in federal grants, loans, and tax credits to higher education?
They suggested that this investment must have a pay-off measurable in the number of degrees completed, jobs attained, and salaries earned. It's not only members of Congress and President Obama who want to know the value of a degree. The public – as reported in media coverage – also questions the cost of a college education, the debt incurred, the prospects for a job to pay off that debt, and whether recent graduates are employed, underemployed, or moving back home.
More urgently these days, colleges need to answer the question: Is it worth the cost? Just after President Obama's State of the Union address, the White House released a "scorecard" on college performance measured by cost, graduation rates, borrowing, loan default rates and employment statistics. The public deserves to know these figures but the criteria do not go far enough in defining the value of a college degree.
The questions raised by politicians, policy makers, and parents remind me of another question, one not considered in the NAICU briefings: Are colleges and universities fulfilling their civic mission? What if we redefined "worth"? What if we could measure the return that educated citizens give to each other and the nation?
We need to redefine what the "return" means. We claim that we produce the inquiring, analytical, vocal, and engaged citizens required for a vital democratic system, but do we present the civic value of our missions forcefully enough to enter into and even change the public discourse?
I propose that colleges create a new Civic Scale, which does two things: 1) analyzes our courses, independent studies, and community activities to determine to what extent we teach democratic behaviors; 2) and surveys our alumni at various stages of their lives to determine if they are demonstrating key civic attributes.
What might we measure while students are undergraduates? There would be measures of history, political science and cultural studies courses that give students perspectives on our own democracy and other systems; humanities and arts courses that develop awareness of others' lives and cultures; engaged learning and internships that develop skills in community organizing and instill knowledge about the competing forces in a democracy; and campus participation, where students practice voicing reasoned opinions and helping each other.
We should survey our alumni at least every five years to ask questions like:
We may find out that the more civically engaged students are also those who are the informed activists of today. Their behavior may even correlate with both economic success and the more elusive "pursuit of happiness."
I'm an example of this interconnection, a product of a "liberating arts" education: a B.A. in philosophy from Bennington College, my M.F.A. in creative writing from Warren Wilson College, and a daily participant in the life of Marlboro College. My first job out of college was with the fledgling state arts agency, followed by 21 years in Washington as Senator Patrick J. Leahy's chief of staff, deputy assistant to President Clinton and then First Lady Hillary Rodham Clinton, and founding director of the Veterans History Project at the Library of Congress' American Folklife Center. The thinking, writing, and creative skills I learned prepared me for decades of service in the public arena.
Some colleges and their associations, such as the American Association of Colleges and Universities, are already working to define civic engagement and its relationship to student success and the demonstration of leadership skills. Dickinson College surveyed alumni and found, for example, that nearly 90 percent participated in volunteer work and 95 percent made a financial contribution to a nonprofit organization. At Marlboro College, students, faculty and staff convene monthly in a Town Meeting to discuss and decide the standards by which we conduct our community life together at this small liberal arts college. Students learn to present their arguments cogently and persuasively; they also learn to challenge a point with which they disagree with evidence and reasoning. These are valuable skills for practicing democracy.
My challenge, especially to leaders of liberal arts colleges, is twofold: to devise the attributes that belong in a Civic Scale and to join Marlboro College in creating one to highlight this crucial aspect of our mission.
Many leaders of liberal arts colleges and some other institutions are disappointed by the new College Scorecard from the Obama administration, observing that its measures leave out much of the true value of a higher education. But it's not enough for us to say we think our model of education produces value. We need to start to analyze and measure outcomes beyond income if we are to challenge the idea that institutions should be judged primarily by how much their graduates earn one year after graduation.
Our democracy is threatened today by lack of participation by all segments of our society, including our optimistic and energetic young people. Corporate and secret money looms over our elections. The narrowing of media outlets means that it's harder to find the tough investigative journalism and information that shine light on government policies and elected officials' behaviors.
At a time when we must reanimate our democracy, let's cooperate on a Civic Scale that shows the profound value of educating our future citizens. We want our students to thrive in their lives; that means finding jobs and supporting families. It must also, however, include finding meaning in life in service to others and to the country.
We must redefine "return on investment" to include civic behaviors that support our diverse and participatory democracy. As Thomas Jefferson said, "An educated citizenry is a vital requisite for our survival as a free people."
Ellen McCulloch-Lovell is president of Marlboro College, in Vermont.
With great interest, I read the recent news announcing that the American Council on Education (ACE) had evaluated five Coursera MOOCs and recommended them for credit. But I had hoped for something different.
Having traditional prestigious institutions making their online content open to the world – of course without their prestigious credit attached – was an exciting development. A race to post courses ensued. On the surface, it's an altruistic move to make learning available to anyone, anywhere for free.
Dig deeper and we are left to ask, how many MOOC courses will really be worth college credit, where will the credits be accepted, and for how long will college credits even be the primary measurement of learning?
Now that ACE has evaluated a few courses, MOOC providers will see how their process goes as students start actually finding proctors and taking tests -- or finding other methods of assessment -- to prove they learned the material. But a few courses will not be enough to really help students earn degrees, and with MOOC courses and providers continuing to proliferate, this does not seem like a viable way to keep up with demand.
Regardless, it is more than likely that the universities that agreed to the ACE CREDIT review are never going to accept an ACE CREDIT transcript themselves. The students with ACE CREDIT transcripts will need to present those transcripts to "lesser known" schools that are not among the elite players – colleges with much lower tuition and a willingness to serve post-traditional students.
More troubling is the fact that the ACE process for credit review is still course-based. Will this really be flexible enough in the future? Will it measure competencies and individual learning outcomes? Even if it seems scalable, will it mean all MOOC evaluations have to run through ACE and only ACE? Will students have to wait until ACE has evaluated a MOOC course before they can get credit?
Moreover, this raises the question: Are course evaluations and testing really the best or only way to deal with this new era of learning? What about experiential learning? If someone has college-level learning from their life experience is it invalid unless they take a course?
As Inside Higher Ed points out in its article, this was a fast move in an industry that moves at a glacial pace. But when ice really begins to melt, it can quickly turn into a waterfall. Students have more options for learning, and can get more information, from a variety of sources. So the question for education becomes, how can we best accommodate that?
I would assert that a portfolio assessment of students' learning is the best way. Just as an artist shows a portfolio to a prospective employer, students should be able to demonstrate learning from wherever they have learned -- work, MOOCs, informal training, military service, volunteer service, and more -- all in one place. And much of this learning will not involve a course at all.
If MOOCs are to be truly disruptive, they must link to competencies, credentials, degrees and/or ultimately jobs. Using a course-by-course, credit hour-by-credit hour approach to do this will not dramatically change the way people earn degrees. And dramatic change that allows for individual demonstrations of competencies is the only way to provide the education quality and agility necessary to truly recognize learning derived from free resources on the web. By focusing on competencies, we can align and accept learning experiences from everywhere.
Pamela Tate is president/CEO of the Council for Adult and Experiential Learning.
Changes in Pell Grant eligibility rules likely contributed to enrollment declines last year at two-thirds of the community colleges in Alabama, Arkansas and Mississippi, according to new research from the University of Alabama's Education Policy Center. The three Southern states all enroll large numbers of students who hail from rural and low-income areas, but also lack large, state-based financial aid programs. That makes students in the region particularly sensitive to last year's tightening of Pell eligibility by the U.S. Congress, according to the report.
Government-provided tuition subsidies "crowd out" parental contributions to their children's college educations, although the effect is much more pronounced for students from wealthier families than for those from lower-income backgrounds, a study published Monday by the National Bureau of Economic Research asserts. The paper, written by two economists at the University of British Columbia and scholars from Yale and New York University (abstract available here), applies economic modeling to test how various changes in federal financial aid policy would play out if they were put in place. Among other things, the researchers estimate that "every additional dollar of government grants crowds out 20-30 cents of parental [intergenerational transfers of wealth] on average," but that "while for wealthy parents with high ability children public subsidies crowd out private transfers, poorer parents tend to reinforce government subsidies since the expected return to their transfers increases when college becomes more attainable, particularly for those with high ability children."
The researchers also say their data show that the federal financial aid programs contribute meaningfully to the public welfare. "Indeed, we estimate that the combined system of federal aid to college students (grants and loans) is worth 2.5 percent of GDP," they write.
Five U.S. senators and 41 members of the House of Representatives have student loan debt -- and the total owed is more than $1.8 million, according to an analysis by the Center for Responsive Politics. The center used financial disclosure reports for its study. A similar study from disclosure reports filed in 2008 found that only 3 senators and 27 House members at that time reported student loan debt. Most of the current debt is for the lawmakers' own educations, but some of the debt is in the form of loans for the parents of students, or co-signing the loans of children.
Numerous press reports over the weekend said that President Obama would focus on education -- likely the cost of higher education and the importance of job training -- in his State of the Union address on Tuesday. But those reports generally had little detail and higher education lobbyists said that they also lacked details. The Obama administration has highlighted the issue of college costs,and may return to that issue, but the federal role there may be limited -- especially with state legislatures either directly or indirectly guiding tuition policy at public institutions. The president has also several times proposed major job-training initiatives involving community colleges, but had had limited luck winning funds from Congress.
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Below are current clinical trials.
Filter this list of studies by location, status and more.
Rochester, Minn.
Describes the nature of a clinical study. Types include:
During the early phases (phases 1 and 2), researchers assess safety, side effects, optimal dosages and risks/benefits. In the later phase (phase 3), researchers study whether the treatment works better than the current standard therapy. They also compare the safety of the new treatment with that of current treatments. Phase 3 trials include large numbers of people to make sure that the result is valid. There are also less common very early (phase 0) and later (phase 4) phases. Phase 0 trials are small trials that help researchers decide if a new agent should be tested in a phase 1 trial. Phase 4 trials look at long-term safety and effectiveness, after a new treatment has been approved and is on the market.
The study purpose is to test the hypothesis that patients with Chronic phase-Chronic Myeloid Leukemia (CP-CML) with BCR-ABL transcript level > 10% International Standard (IS) after 3 months of treatment with first line Imatinib 400mg will achieve a greater rate of major molecular response (MMR) by early switching to Dasatinib therapy 100mg once daily (QD) compared with continued treatment with Imatinib at any dose.
Study statuses change often. Please contact us for help.
Open for enrollment
Scottsdale/Phoenix, Ariz., Rochester, Minn.
Patients with previously treated multiple myeloma and kidney dysfunction will be treated with lenalidomide and low-dose dexamethasone. Phase I will study the side effects and best dose of lenalidomide when given together with low-dose dexamethasone therapy. After the maximum safe and tolerated dose is found in Phase I, the study will proceed to Phase II. Phase II will study how well the the treatment works in patients with previously treated (relapsed or refractory) multiple myeloma and kidney dysfunction.
Biological therapies, such as lenalidomide, may stimulate the immune system in different ways and stop cancer cells from growing. Drugs used in chemotherapy, such as dexamethasone, work in different ways to stop the growth of cancer cells, either by killing the cells or by stopping them from dividing. Giving lenalidomide together with dexamethasone may kill more cancer cells. Lenalidomide and dexamethasone may have different effects in patients who have changes in their kidney function.
The purpose of this study is to evaluate the efficacy of GSK Biologicals' vaccine GSK1437173A in the prevention of Herpes zoster (HZ) in autologous haematopoietic cell transplant recipients 18 years of age and older. To this end, the study will evaluate vaccine efficacy (VE) of the GSK1437173A vaccine, administered on a 2-dose schedule, compared to placebo in reducing the risk of developing HZ in this population.
Closed for enrollment
Scottsdale/Phoenix, Ariz.
This open-label study is to determine the safety and efficacy of momelotinib in participants with either polycythemia vera (PV) or essential thrombocythemia (ET) who have not yet received treatment with a Janus kinase (JAK) inhibitor.
Open-label, sequential dose escalation and expansion study of CPI-0610 in patients with previously treated multiple myeloma. CPI-0610 is a small molecule inhibitor of bromodomain and extra-terminal (BET) proteins.
The primary hypothesis of the study is that treatment with either once-daily or twice-daily pacritinib results in a greater proportion of patients with thrombocytopenia and myelofibrosis achieving ≥ 35% reduction in spleen volume from baseline to Week 24 than treatment with Best Available Therapy, and a greater proportion of patients achieving a ≥ 50% reduction in total symptom score from baseline to Week 24 as measured by the Myeloproliferative Neoplasm Symptom Assessment Form 2.0.
Scottsdale/Phoenix, Ariz., Jacksonville, Fla., Rochester, Minn.
RATIONALE: Lenalidomide may stimulate the immune system in different ways and stop cancer cells from growing. Monoclonal antibodies, such as rituximab, can block cancer growth in different ways. Some block the ability of cancer cells to grow and spread. Others find cancer cells and help kill them or carry cancer-killing substances to them. Drugs used in chemotherapy, such as cyclophosphamide, doxorubicin, vincristine, and prednisone, work in different ways to stop the growth of cancer cells, either by killing the cells or by stopping them from dividing. Giving lenalidomide together with rituximab and combination chemotherapy may kill more cancer cells.
PURPOSE: This phase I/II trial is studying the side effects and best dose of lenalidomide when given together with rituximab and combination chemotherapy and to see how well they work in treating patients with newly diagnosed stage II, stage III, or stage IV diffuse large cell or follicular B-cell lymphoma.
This is a phase 2, multicenter, open-label study in patients with Newly Diagnosed Multiple Myeloma (NDMM) who have not received prior systemic treatment for multiple myeloma (MM) and who are ineligible for high-dose therapy (HDT)-stem cell transplantation (SCT) due to age (ie, ≥ 65 years) or comorbid disease(s) or with Relapsed and/or Refractory Multiple Myeloma (RRMM)).
This phase III trial studies how well response and biology-based risk factor-guided therapy works in treating younger patients with non-high risk neuroblastoma. Sometimes a tumor may not need treatment until it progresses. In this case, observation may be sufficient. Measuring biomarkers in tumor cells may help plan when effective treatment is necessary and what the best treatment is. Response and biology-based risk factor-guided therapy may be effective in treating patients with non-high risk neuroblastoma and may help to avoid some of the risks and side effects related to standard treatment.
This study will examine the effect intravenously administered rigosertib has on the relationship between bone marrow blasts response and overall survival in myelodysplastic syndromes (MDS) patients who have 5-30% bone marrow blasts and who progressed on or after treatment with azacitidine or decitabine.
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Hi! My name is TINY
I am Domestic Shorthair from O********, KS
Nicknames: FOSTER MOM CALLED HER PORKCHOP CAUSE SHE DEVOURED FOOD. I CALL HER TINY THE MIGHTY BUT A LITTLE PORKCHOP CAUSE SHE LOVES TO EAT
Age: 6 years old
Gender: F
Coat: short haired
Education: SURVIVED KITTENHOOD CAUSE 4 MONTHS 4LBS BUT WHEN SHE WAS FOUND IT WAS 2LBS. NOW WHOPPING 6 1/2 LBS.
My favorite tricks and treats are: PICK-UP TOYS & CARRIES THEM OR CHEW BOXES and LITTLE BIT OF DELI MEAT
Where I hang out: ON TOP OF TV
My favorite grubs: ANYTHING BUT CHICKEN
My pet peeves: THE OTHER KITTIES WON'T PAY ATTENTION TO HER.
What I love about my owners: USE ALL CAPS FOR EYESIGHT ONE OF THE THE PURPLE PROUD KANSANS. SHE TOOK ME WITH ONLY A TEXT/PHOTO BEFORE WE EVEN MET.
My cat hobbies: PLAY & RUN OOPS FIRST EAT.
Pet motto: BEWARE I LOVE A CHASE!!!
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Come visit me, ♥ Angel Lucy MEMORY PAGE ♥ & Boo Kitty ♥ Angel Winslow - So Long Friends.
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Come visit me, Q. Pappoose "Forever Sleep 4-10-2006 to 4-24-2012", BABY KNIGHT July 18, 1998 to May 20, 2010, Patch Girl Knight (OG) #12767 Photo: 5/26/2015, Suezee Knight - Photo: 7/13/2013, WHYSKRS KNIGHT #10378 ♥ Photo: 8/28/2015, SASSEE "Forever Sleep 5-01-2004 to 10-02-2014", SIX Knight (Sweet Memories 5/15/01-7/03/06), Ebbonny Knight Forever Sleep 8/14/2000 to 3/9/2011, Sweet Pea ~ Forever Sleep 5-15-2001 to 2-25-2011, Tipper Claflin-Knight (7/15/1989 - 7/23/2008), BAHNEETAH KNIGHT #10641 ~ Photo: 7/31/2015, Charr ~ In Loving Memory 8/14/2000-9/19/2008, Jazpyr Knight #10428 Photo 6/12/2015, Sissee Knight (OG) #11531 Photo: 11/06/2014, K. RHOAMIN #2921 {July King 2008} Photo 9/10/2015, Velvet~Sleep My Black Beauty 5-10-2002 to 7-7-2012 & Sylvester #11567 ♥ 5/15/2001 - 6/28/2013.
Come visit me, TEAKEE KNIGHT #25544 [Photo: 6/12/2015], SYLVR TUFF KNIGHT #160205 Photo: 7/10/2015, SMUDGE Knight (5/20/2000-8/13/2007 Furever Sleep), NeuBee Knight #123633 Photo: 10/19/2014, KITTZI KNIGHT #160203 Photo 1/09/2015, Q. AUNT SAMANTHA #15442 "7/18/1998 - 8/18/2012", CALLIE KNIGHT #239447 - Photo:6/24/2015 & SAUSHA KNIGHT #22506 Photo: 9/01/2015.
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Come visit me, ~MEWS ROOM~Vote DEAN #36497 daily in October, COTD Winner Archives, ♦ROYAL KITTY HALL OF FAME♦, Cat's Meow Resort & Event Center, Special days reporting desk with monthly calendar & COTM Sign-up page.
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We're so glad you're interested in Osterville Baptist Church. Welcome!
OBC is a community that is dedicated to seeing Jesus change us- and change you. No matter who you are, we welcome you to experience Christ with us. Here you can learn a little about us, contact us, and listen to our sermons. If you're interested in more, feel free to reach out to us here or by the phone number at the bottom of the page. We hope you'll join us on Sunday!
Sunday Morning Worship 8:30 & 10:30am
Summer Children's Ministry Schedule
Infant & Toddler Care provided at both services: Birth - Age 3
Superbook Sundays (for ages 4 - grade 5)
July 26, August 9 & 23 and September 6, 2015
Full Service interactive time to experience stories in the Bible in a whole new way.


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Select Local Merchants
Randy Bacon PhotographyRead MoreIf museum hopping is your thing, don't skip over Springfield's Randy Bacon Photography, which features exhibits everyone will enjoy. If a bite's all you're after, then you'll want to stop by this museum for a delicious fill of their home-cooked food. Families will feel right at home at this museum with its kid-friendly atmosphere. Parking is plentiful, so guests can feel free to bring their vehicles.600 W College StSpringfield, MO US
Complete Wedding And EventsRead MoreSignature service: DJ, Video, Photo, Photo Booth, Lighting Established: 1997 Reservations/Appointments: Required Staff Size: 11–25 people Average Duration of Services: 4+ hours Pro Tip: Always hire a professional. Q&A with Terrie Reno, Owner/Manager Sometimes it's all about the little things in life. What supplemental courtesies do you include with your main services to leave clients with a smile on their face? We have four key "pillars" that we teach our team: 1. Be there; 2. Make their day; 3. Choose your attitude; 4. Have fun Do you or your staff have any special certifications or degrees? I have a bachelor of science in business/public relations and a master's in business administration. When and how did you first develop a passion for your work? My undergraduate degree is in public relations. I did an internship my senior year of college and planned a national conference. I loved the event-planning portion so much, I decided to pursue that area when I graduated. Is there anything else you want to add that we didn't cover? Clients are always amazed that our staff does "so much [more] than they were hired to do." That's our goal, to do whatever we can to make their day.1353 East Montclair StreetSpringfield, MO US
Olan Mills Portrait StudioRead MoreArmed with an army of innovative and certified shutterbugs, Olan Mills Portrait Studio provides families with high-quality portraits, continuing a mission that was established more than 75 years ago by founder Olan Mills Sr. Skilled in the art of capturing infants, children, families, and bunny-ears-giving ghost orbs on film, Olan Mills's experienced smile snappers will take a series of poses amid a variety of backgrounds and lighting options. The studio is equipped with a selection of props—including numbers for birthdays, toys, and boxes—and patrons may bring their own photo-enlivening items from home. The resulting photos find their way to prints in natural color, black and white, or sepia tones; they can also be immortalized in the studio's signature Old Masters style, a canvas brushed with highlights to recreate look of an oil painting. Like the gentlemanly mariners of ages past with their full schedule of sea-battles, the photographers welcome appointments, but do not require them.3101 South Glenstone AvenueSpringfield, MO US
what-is-ISORead MoreAfter years floating between jobs in a search for fulfillment, Terry Scroggins discovered his passion for photography in 1984 while shooting football games with a loaned professional camera and a single flash. As he expanded his skills to include subtly lit indoor portraits, he began traveling throughout the region and later the country to snap subjects from ball teams to bands, prom-goers, and beauty queens. A skilled communicator, Terry could deftly organize teams of athletes into position for group portraits, even when he and they had no languages in common—an issue that almost caused difficulties during the fast-pitch softball Women's World Championship, in which 27 countries were represented. After years on the road, Terry eventually settled down to restructure his business to accommodate emerging digital methods. Today his portrait studio hosts carefully posed photo shoots and classes in everything from lighting strategies to photoshopping a unicorn horn onto the family dog.333 South John Q Hammons ParkwaySpringfield, MO US
CaraDee PhotographyRead MoreVeteran shutterbug Cara Dee Stucke honed her artistic eye in 27 years in the portrait-photography field and today attends annual workshops and seminars to stay abreast of modern techniques. Cara Dee snaps elegant, contemporary shots of weddings, families, and high-school seniors using high-tech equipment such as 21.5-megapixel sensor cameras and light-bending hand claps. Before each photo session, the creative team can proffer wardrobe and makeup consultations, taking time to heed customers' requests for the overall vibe of the shoot. On-location sessions voyage into the tranquil confines of nature for a romantic ambiance, and shoots in the CaraDee Photography studio allow for edgy, urban-theme photos with self-provided props. Images make their way onto prints of all sizes, emblazoned on top-quality metallic or lustrous papers, custom-created books, and videos replete with music.305 E Walnut StSpringfield, MO US
Jennifer Hayward PhotographyRead MoreWhat services does your business offer and what makes your business stand out from the competition? I have been a professional photographer for over 5 years and have a passion for helping others learn how to use their camera and discover their creativity! Do you provide any materials? What should your students expect to bring? Students should have and bring their own camera that has the option to use manual settings. What was the inspiration to start or run this business? I know so many people who have great cameras that have so many cool features, but they don't know how to use them. What do you love most about your job? I love creating unique images that the client will love for a lifetime and working others to share my passion for photography737 South Grant AvenueSpringfield, MO US


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Select Local Merchants
Experience PhotographyRead MoreWhat services does your business offer and what makes your business stand out from the competition? Our photography represents who YOU are. We work with our clients to style their session around their likes and look. We create amazing images, let you select your favorites, and work with you to select artwork to hang on your wall, or a custom design to display in a book to last a lifetime. What was the inspiration to start or run this business? Our inspiration to begin photography stems from old family photos. When my mother passed away, I was awe struck by the lack of images we had as a family. A few snap shots here and there, and only one professional portrait. Photography is so important, it holds memories, experiences, and love. What do you love most about your job? We love to meet new people. We love to find out about what makes them who they are, and then figure out how to design a session around that look. Capture the essence of a newborn, the love between a couple, and the emotion of a portrait is the most amazing exciting thing in the world to us. What is the best reaction you've ever gotten from a customer? For an engagement session the soon-to-be bride brought us an old photo of her fiancé's grandfather who passed away few months ago. I made some calls and lined up an old car that was a close match to the image. Their face when the car pulled into the lot during their session was enough for me.311 South Phillips AvenueSioux Falls, SD US
Walmart PictureMe Portrait StudiosRead MoreSears Home Services dispatches crews of prompt, filth-eradicating specialists to customers' homes to thoroughly scour carpets, upholstery, and air ducts. Beyond leaving surfaces reflective, the thorough cleaning ferrets out allergens, dust, and grime. For carpets, the team restores floor furs back to a state of pre-stomped freshness through a two-step process that loosens dirt embedded in fibers with a heated solution before a high-powered extraction whisks it away. They use a similar system that scours tile and grout, removing stains without unleashing wild packs of toothbrushes that froth at the bristle. They can also amp up indoor air quality to EPA standards with duct cleaning that gathers up dust, pollen, dander, and other contaminants that spur on allergies. Sears Home Services also backs each deodorizing and degunking service with the Sears Guarantee of Satisfaction.3209 South Louise AvenueSioux Falls, SD US
JBsopko PhotographyRead MoreTwo major life events spurred Experience Photography's resident shutterbug, Joshua, into transforming his picture-taking hobby into a career. The first event was becoming a father, which led to purchasing tons of professional-grade equipment so he could document his daughter's growth. Soon thereafter, his mother passed away. While sorting through her belongings, Joshua only found a single portrait from his family's 30 years together. Since then, he's dedicated himself to preserving the special moments of others, from engaged and newly married couples to families and high school seniors. To ensure that folks have plenty of copies, Joshua preserves his clients' favorite images as digital files, as well as color or black-and-white prints.235 W 2nd StTea, SD US
Shalista PhotographyRead MoreA bridal party in a sunlit field lofting matching parasols. A group of groomsmen mid-leap. A newlywed couple kissing in the street. These are just some of the sentiment-inducing scenes that photographer Shalista Anderson has choreographed and captured at her eponymous studio. From behind her lens, she artfully snaps an eclectic array of styles, with subject matter ranging from high-school seniors as they contemplate graduation to gals lounging in delicate lingerie for boudoir shoots. During family-portrait sessions, Anderson specializes in engaging newborns and kids with her sunny demeanor, rather than simply bribing them with Monopoly money, resulting in natural-looking photos that bring out their personalities.5015 S Western Ave #180Sioux Falls, SD US
Empire ProductionsRead MoreThe shutterbugs at Empire Productionss craft lasting memories with fun and innovative photographic forays. A helpful crew sets up and staffs photo booths to entertain guests at celebratory gatherings with interactive distractions. The expansive, curtain-free lounge stocks a variety of props so up to 18 friends or first-grade music teachers can comfortably mug for the camera at once. Stills then shoot out on the spot for subjects to collect or give away to potential suitors. Within a day of the convocation, Empire Productions uploads snapshots to a password-protected online gallery, and hosts receive a compact disc loaded with the same photos.3400 West 49th StreetSioux Falls, SD US
A Lawson PhotographyRead MoreWhile teaching art in Kansas in 2008, Amber Lawson began to seriously pursue her passion for photography. After moving to Sioux Falls two years later, she continued to hone her skills behind the lens. Her on-location, primarily outdoor portraiture sessions capture the distinctive personalities of families, kids, high-school seniors, and pets in posed and candid moments. She also lends her photographic expertise to capturing special moments in customers' lives, such as weddings, engagements, and sending the family dog off to college.726 North Walts AvenueSioux Falls, SD US


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War of 1812 and the Battle of New Orleans America's Library Winning the Battle of New Orleans January 8, 1815 America's Library The Battle of New Orleans Bicentennial Folklife Today blog January 8, 2015 Mardi Gras Season in New Orleans America's Library local legacy Happy Mardi Gras! Inside Adams blog The Supreme Madness of the Carnival Season In Custodia Legis blog February 12, 2013 New Orleans historical newspapers Books & other texts related to New … [Read more...]
City Spotlight: New Orleans
World Spotlight: Kenya
Kenya country profile Kenya timeline BBC Kenya: Places in the News Kenya primary sources from the World Digital Library Kenya maps Kenya images U.S. historical newspaper articles mentioning Kenya through 1922 Service in Kenya: U.S. veteran oral histories Foreign Affairs Oral History Collection interviews mentioning Kenya Books & reports about Kenya U.S. legislation related to Kenya Guide to Law Online: Kenya Global Legal Monitor articles … [Read more...]
City Spotlight: St. Louis
St. Louis maps St. Louis image set Historical films featuring St. Louis "Meet me in St. Louis, Louis" song recording "St. Louis Blues" song recording St. Louis sheet music The St. Louis Republic, 1900-06 St. Louis, Mo. St. Louis articles, correspondence & reports St. Louis books & other texts U.S. legislation related to St. Louis Missouri state primary source collections … [Read more...]
World Spotlight: Mauritania
Mauritania country study (history, culture, industry, and more) Mauritania timeline BBC Mauritania primary sources from the World Digital Library Mauritania maps Foreign Affairs Oral History Collection interviews mentioning Mauritania U.S. historical newspaper articles mentioning Mauritania through 1922 U.S. legislation related to Mauritania Guide to Law Online: Mauritania Global Legal Monitor articles about Mauritania Reaching the Millennium Development Goals: … [Read more...]
World Spotlight: Greece
Greece primary source set World Digital Library Greece maps Greece image set Videos and webcasts related to Greece Greek related American life histories Greece mentions in the Foreign Affairs Oral History Collection Veteran oral histories including service in Greece Greece sheet music Greek song recordings Historical newspaper coverage: Greece 1836-1922 Correspondence & reports related to Greece through 1899 Books related to Greece Articles FALQs: The … [Read more...]
Today in History: Bastille Day & the French Revolution
Today in History–July 14–TPS-Barat Primary Source Nexus features Bastille Day, which commemorates the 1790 Fête de la Fédération held on the first anniversary of the storming of the Bastille in Paris, France on July 14, 1789. This action marked the beginning of the French Revolution. Find out more about these events by investigating a variety of primary and secondary sources linked to below. Opera Goes to the Bastille In the Muse blog July 14, 2011 Touring French History through Political … [Read more...]
World Spotlight: France
Country Profile: France Creating French Culture: Treasures from the Bibliothèque nationale de France online exhibition France in America bilingual digital library site France Allied with American Colonies February 6, 1778 from America's Library France primary source set World Digital Library France maps France image set French image set Films related to France France mentions in the Foreign Affairs Oral History Collection French American life … [Read more...]
World Spotlight: Spain
Spain country study Parallel Histories: Spain, the United States, and the American Frontier bilingual digital library site Spain primary source set World Digital Library Spain maps Spain image set Spanish image set Torcuato Zamora: Flamenco Guitar with Dancers from Furia Flamenco streaming webcast Films Procession at Séville and bullfighting scenes Dogs used as smugglers On the coast of the Bay of Biscay, France Spain mentions in the Foreign Affairs Oral History … [Read more...]
Today in History: War of 1812
Today in History–June 18–the Library of Congress features the War of 1812. On this date in 1812 President James Madison signed a declaration of war against Great Britain. Reasons for the war included frustration with Britain's maritime practices and their support of Native American resistance to western expansion as well as a desire to conquer Canada. The war lingered on past 1812 and in August, 1814, British forces attacked Washington D.C., setting fire to many government buildings … [Read more...]
World Spotlight: India
India country profile: . . . extensive urbanization and trade appear to have begun in the Indus River Valley around 3000 B.C. with the Harappan civilization. From this period until the termination of British colonial rule in 1947, numerous empires ruled various portions of South Asia, often assimilating a rich array of peoples and each adding its own contribution to an increasingly rich tapestry of cultures, ideas, and technologies. India country profile India country study India - Places … [Read more...]


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text: Cool Gifts for Kids Facebook Twitter Pinterest Print Save Left Arrow Right Arrow Photo by Jens Mortensen Left Arrow Right Arrow 29 of 60 Grid View See All Tube Toy The tube packaging becomes the body of the vehicle. Inside are wheels, axles, and decals. To buy: $10, momastore.org. Start


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Completed in 1959, the Guggenheim's Frank Lloyd Wright–designed museum is among the 20th century's most important architectural landmarks. The museum's great rotunda has been the site of many celebrated special exhibitions, while its smaller galleries are devoted to the Guggenheim's renowned collection, which ranges from Impressionism through contemporary art.
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For hours see Plan Your Visit
Advance general admission tickets are available online and allow entry to all current exhibitions.
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The Guggenheim Museum is located in New York City on Manhattan's Upper East Side.
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Plan a unique and unforgettable museum experience for your group at the Solomon R. Guggenheim Museum.
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Monday, October 19, 7 pm
Preview BalletCollective's NYU Skirball Center season with Troy Schumacher.
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For Immediate Release: 9/9/2013
|Community Service Week to Take Place October 20 – 27; Organizations Urged to Register Volunteer Projects
The Montgomery County Volunteer Center is now posting service opportunities for Community Service Week, October 20 – 27. The week of volunteer activities highlights the 27th annual Community Service Day on the 26th. Sponsored by the Fund for Montgomery and its supporters, Community Service Day takes place each year on the fourth Saturday in October, but projects are planned throughout the preceding week. Montgomery County's World of Montgomery festival on Sunday, October 20 will kick off this year's Community Service Day activities.
Nonprofit organizations, businesses and faith, service and social groups, along with County government departments are encouraged to host volunteer service projects during this week. Projects open to volunteers can be posted to the Volunteer Center website, where residents can then register to participate in service activities. Examples of service projects include holding a winter coat drive, organizing a clothes closet for the needy, putting a community garden to bed and visiting seniors at assisted living homes. Projects are posted on the Volunteer Center website at www.montgomeryserves.org.
Community Service Day provides organizations with both the opportunity to introduce residents to their missions and programs and the manpower to complete a needed task or a wish list activity. Members of the community can get out and make a difference with a one-day project and learn more about volunteering year-round.
"Community Service Day is part of what makes Montgomery County such a special place to live," said County Executive Ike Leggett. "I urge residents from across the County to join together, roll up their sleeves and work to help our neighbors in need and to enhance our community."
Projects will continue to be added to the site until October 26, so volunteers are encouraged to check back frequently to view new postings. Most of the listed opportunities provide Student Service Learning (SSL) hours.
Montgomery County promotes service year-round at events that include Dr. Martin Luther King Jr. Day on the third Monday in January and Earth Day which includes activities throughout the month of April. Ongoing and one-time opportunities can be found at www.montgomeryserves.org.
|Release ID: 13-262
Media Contact: Katie Sayago 240-777-2608
Return to News Releases


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UAB scientist Timothy Nagy will race to raise funds for the UAB Comprehensive Cancer Center on Nov. 19-20.
PurpleStride Birmingham will raise funds during Pancreatic Cancer Awareness Month on Nov. 12.
UAB received a prestigious NCI award to study brain tumors, making it one of only a few institutions to hold four SPORE programs.
The UAB Cancer Center's Deep South Network now includes community research to better understand local cancer prevention needs.
Chefs team up with the UAB Comprehensive Cancer Center to help cancer patients whose sense of taste is being affected by treatments.
Birmingham-area Jim 'N Nick's restaurants will host the Angel Squad to recognize National Mammography Day.


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- 48Promote
Tablet Cases
Pathwayby Lovetoclick
Protect your iPad with an impact resistant hard shell case featuring an extremely slim profile.
Very beautiful!
Thank You so much!!
Love the mood, great capture !!
Thank you so much
This is really beautiful :)
Thank you co much galaxy eyes.
very nice image : )
Thank you!
Wow! Beautiful shot!
Thank you very much :)
Great shot!
I love it :D
Thank You so so much!!
Love the atmosphere!
So glad you love it !!
this one is great! good job
Thank you very much!
Thank you Christine!
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Shop Sections
Shop Owner
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Shop Info
Opened on Mar 8, 2011
- About
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- 34 sales
- 2,476 admirers
pillows, bags, accessories, art dolls&framed art
KasiaUrbanRybska's Shop Policies
I accept payment through PayPal for all transactions.
Please, make payment within 3 days of purchase.
If payment is not completed and I have no message from you, the transaction will be cancelled and the item re-listed.
All of my items are ready to ship and will be shipped 1-2 business days after payment is received.
I ship to the address you provide via PayPal. If you want me to send the item to a different address, please, contact me right after purchasing.
As the items are small enough I ship them through Polish Post as registered priority lettermail, which has the plus of being cheap, but has the minus of being uninsured.
In that case I don't refund for lost packages.
Please, allow 6-14 workdays for ordered item to arrive.
If you need something faster, insured or trackable, let me know before purchasing. But, please, note that this kind of option is much more expensive.
Please, also note that you are responsible to any duties, customs fees and taxes.
Refunds and Exchanges
I hope that you are completely satisfied with my products. These items are made and ready to ship so the photos you see are the actual item in each listing.
Please, take your time and order cautiously.
But if you have any problems, contact me and we will sort it out.
Refunds are accepted upon receipt of returned item (in its original condition) within 14 days.
The buyer is responsible for any shipping charges incurred in returning an item.
I will refund via PayPal less original shipping charges.
Additional Policies and FAQs
If you see something in my shop that you love, but you need the size or colour changes, send me a convo.
We can discuss all the details.
But, please, note, all my works are very laborious and I may need 2 weeks to finish your order.
Thank you!
Last Updated March 10, 2011


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TEMPE, Ariz. A team of Arizona State University researchers will get support from the U.S. Department of Defense to aid development of the next generations of lasers and infrared photodetectors.
The technology is widely employed in sensing and imaging for an array of defense and commercial applications.
The work will be funded by an Army Research Office grant through the defense department's Multidisciplinary University Research Initiative (MURI) program, which supports science and engineering endeavors involving research and technology development considered vital to national interests.
ASU's Yong-Hang Zhang, David J. Smith and Shane Johnson will combine expertise in electrical engineering, materials science and physics to contribute to a project in which they will collaborate with colleagues at University of Illinois at Urbana-Champaign, the Georgia Institute of Technology and the University of North Carolina.
The entire project has been approved for a grant of $6.25 million over five years. ASU's team has been awarded $2.34 million for its part of the effort.
Zhang is a professor and Johnson is a senior research scientist in the School of Electrical, Computer and Energy Engineering, one of ASU's Ira A. Fulton Schools of Engineering.
Smith is an ASU Regents' Professor in the Department of Physics in ASU's College of Liberal Arts and Sciences.
They'll focus on deepening knowledge of the basic properties of materials used to construct lasers and infrared photodetectors. They'll study the origins of defects in the materials and explore ways to reduce them.
Understanding how defects form at the nanometer scale will enable improvements in these materials, opening the path to advances in semiconductors, infrared photodetectors and imaging systems, Johnson says.
This is the third MURI program grant awarded to ASU researchers in the past several years in semiconductor optoelectronics
|Contact: Joe Kullman
Arizona State University


text: David Becker, WireImage [ Birdman Dropping Two Debut Mixtapes By Steven J. Horowitz September 29, 2010 Birdman may be busy steering the ship over at Cash Money Records and handling Lil Wayne's releases from prison, but he's ready to pick his solo career back up... Read More Category: Hip-Hop, Mixtapes Tags: Baby, Birdman, cash money, CashMoney, Godfather, Lil Wayne, mixtapes, White Boys, WhiteBoys Send to a friend! Share on Facebook Share on Twitter Pin it! Reddit This! Share on Tumblr!


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business coaching
Results 1 - 1 of 1
Coaching For Success Melbournecoachingforsuccess.com.au
At the age of 35, Claire Burgess had a severe stroke leaving her paralysed down her left side. She was told she would never work full time again. Claire is one of those people often described as inspiring, determined, resilient. Claire challenged herself ...
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DEFINITION of 'Sweet Spot'
The point at which an indicator or policy provides the optimal balance of costs and benefits. This term is often used to refer to situations where economic data, such as interest rates or employment numbers, are currently or expected to lead to the best overall economic situation.
BREAKING DOWN 'Sweet Spot'
For example, the current level of interest rates can be considered to be in a sweet spot if they keep inflationary pressures in check, but don't do so at the cost of the overall market. Similarly, when the current level of employment in an economy is enough to stimulate economic growth without leading to higher levels of inflation through wage pressures, this could also be referred to as a sweet spot.
Federal Funds RateThe interest rate at which a depository institution lends funds ...
Ben BernankeThe chairman of the board of governors of the U.S. Federal Reserve. ...
Prime RateThe interest rate that commercial banks charge their most credit-worthy ...
Fed ModelA model thought to be used by the Federal Reserve that hypothesizes ...
Federal Reserve Board - FRBThe governing body of the Federal Reserve System. The seven members ...
Federal Reserve System - FRSThe central bank of the United States. The Fed, as it is commonly ...
The Federal ReserveFew organizations can move the market like the Federal Reserve. As an investor, it's important to understand exactly what the Fed does and how it influences the economy.
Forex Education
Get To Know The Major Central BanksThe policies of these banks affect the currency market like nothing else. See what makes them tick.
Investing Basics
Interest Rates And Your Bond InvestmentsBy understanding the factors that influence interest rates, you can learn to anticipate their movement and profit from it.
Is the U.S. Economy Ready for Liftoff?The Fed continues to delay normalizing rates, citing inflation concerns and "global economic and financial developments" in explaining its rationale.
Will Interest Rates Rise at the Next Fed Meeting?Everyone wants to know what the Federal Reserve will do next, but the Fed doesn't even know what it's next move will be.
Is Another Bear Market Ahead?With market volatility recently reaching its highest level, investors are questioning what the outlook is for U.S. stocks in 2015 and beyond.
Is China Suffering From the Middle-Income Trap?After having sustained a rapid economic boom for decades, China now has slower-than-expected growth. Is it falling into the "middle-income trap"?
Investing Basics
What is a Leading Indicator?A leading indicator is a measurable economic factor that tends to change right before the economy starts to change.
Investing Basics
Now: Buying Opportunity or Big, Looming Downtrend?The bulls will keep saying we're in a buying opportunity. But unfortunately, markets will continue to move lower—and lower.
Is a Recession Coming?In the space of a week, the VIX Index, a measure of market volatility, spiked from 13, suggesting extreme complacency, to over 50, evidencing total panic.
How can I use a regression to see the correlation between prices and interest rates?In statistics, regression analysis is a widely used technique to uncover relationships among variables and determine whether ... Read Full Answer >>
What are some of the limitations of run rates?Some limitations of a reliance on run rates include the occurrence of one-time sales, limitations on contracts, seasonality, ... Read Full Answer >>
What are some real-life examples of the 80-20 rule (Pareto Principle) in practice?There are a number of practical applications for the 80-20 rule in diverse areas such as the distribution of wealth in economics, ... Read Full Answer >>
How do I calculate production costs in Excel?It is impossible for a single method of calculating production costs to work for all businesses, much less for a Microsoft ... Read Full Answer >>
Which pro forma financial statements should always be included in a business plan?When deciding which pro forma financial statements should be included in a business plan, it is important to always include ... Read Full Answer >>
Can the Efficient Market Hypothesis explain economic bubbles?The efficient market hypothesis (EMH) cannot explain economic bubbles because, strictly speaking, the EMH would argue that ... Read Full Answer >>


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2 packs
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by Martineerok.
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Tags of sounds inside the pack: field-recording nature storm thunder thunderstorm weather 100 dr lightning rain shower tascam rainfall raining rumble strike summer thunder-storm thunderclap wind ...
2 packs


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Photo: Welsh Esoterica © kieranrex
Submit a new photo of this climb.
Dyno method used. Crazy weather window between two mist clouds - the gods were with me today. Beastly Squirrel - Sent x - 25/May/15 with Ed Gow-Smith
No. 2 beta, too weak for big boys' method. EdGS - Sent x - 25/May/15 with James Squire
Such a cool move! Went down quite fast. The battle to find it through the river and bracken took a lot longer!Richard Hession - Sent x - 05/Jul/14
awesomeducko - 30/Jan/14


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Select Local Merchants
Kevins Korner Bar and GrillRead MoreSnack on tasty pub fare at Kevins Korner Bar and Grill, a local favorite. Come prepared to feast at Kevins Korner Bar and Grill — with no low-fat options, any diets will need to be put aside for the moment. The drink list at Kevins Korner Bar and Grill has everything you need to complete your meal (and your night out). Those searching for a quiet dinner scene may have better luck elsewhere, as the restaurant tends to get rather noisy. Weekend diners, beware! The restaurant is busiest on Friday and Saturday, so getting seated will take some time. Endless parking options are readily available close to Kevins Korner Bar and Grill. Your tab at Kevins Korner Bar and Grill will generally run you about $30 per person.1580 Williamson RdGriffin, GA US
Crestside GrillRead MoreDressing up the traditional sandwich, Crestside Grill is a go-to lunch spot in Thomaston's Sunset Village district. It's easy to find fare you love at Crestside Grill, though fat levels are anything but low. Catering services are also available. Get in and out of the car quickly with no-hassle parking located all around the restaurant. Prices are a bit on the higher side, so this might be a good pick for a special night out.3542 Woodland RoadThomaston, GA US
Son of a Greek by OlympiaRead MoreA well-known pizza place in McDonough, Son of a Greek by Olympia is the perfect location for flavorsome pizza. It's a culinary destination for guests interested in terrific food. Defined by its outdoor seating, the restaurant is a fantastic option when you want to soak up a bit of that Georgia sun. There's not really a recommended attire, so feel free to dress comfortably. Also, if you're in the mood for tunes, it's one of the best spots in town for karaoke. If you're searching for the perfect spot for a family gathering (or a birthday meal), it's rated as a nice local option for big groups and families with children. In addition to its convenient take-out offerings, the restaurant even provides catering for events around town. Or, if you're looking for the perfect spot to unwind after work, it's got a phenomenal happy hour and a pretty stout selection behind the bar. Specializing in both lunch and dinner, Son of a Greek by Olympia is a terrific choice when you're in the mood for unique international cuisine, and want to branch out from the typical Chinese/Mexican/Italian fare. Don't worry about trying to find a spot on the street, as visitors to the restaurant do have access to a private parking lot nearby.383 Keys Ferry StMcDonough, GA US
15th Street Pizza and PubRead More15th Street Pizza and Pub is a local pizza gem for casual diners. Low-fat is not a term 15th Street Pizza and Pub throws around but delicious is! A night out deserves a drink to celebrate, and 15th Street Pizza and Pub has the perfect selection of beer and wine to go with your meal. Tots and tykes will be right at home at 15th Street Pizza and Pub with its kid-approved food and ambience. Bring your laptop here and tap into the complimentary wifi. Open air seating is ready for diners at 15th Street Pizza and Pub when the weather is warm. Whether you have a group of five or a group of 20, 15th Street Pizza and Pub can seat both large and small groups. After-work revelers can fill up 15th Street Pizza and Pub on weeknights, especially since no reservations are accepted. Looking for something delicious to serve at your next party? 15th Street Pizza and Pub also offers catering. Delivery and take out are both available if you prefer to eat in the comfort of your own home. 15th Street Pizza and Pub offers safe bike parking outside. Frugal foodies will especially love the prices at 15th Street Pizza and Pub, with a meal typically hovering under the $15 mark.2130 Jodeco RdMcDonough, GA US
HootersRead MoreKick back with your friends and enjoy an American meal at Hooters. Diet schmiet! Catch a break from low-fat fare at Hooters, where low-fat options aren't an option. Be sure to complete your meal at Hooters with a drink from the restaurant's full bar. Parents, bring your kids along to Hooters, where you'll find a family-friendly menu and ambience. Making it through another workweek call for a drink at Hooters. Wanna soak up the sun? Come grab a bite at Hooters and sit out on their gorgeous patio. Have a large group? No problem. Head to Hooters for easy seating. Wifi is on the house at Hooters, so you can stay connected on your mobile device. Between the music and the crowds, be prepared for a lot of noise at this restaurant. Or, take your food to go. Can't get enough of Hooters' tasty dishes? They also offer a catering service for parties and events. Drivers can take advantage of the parking lot near Hooters and save time on hunting for a parking spot. Hooters makes bikers feel at ease with the multiple storage racks outside. You won't get sticker shock from your bill at Hooters — prices are usually less than $15.1858 Jonesboro RdMcDonough, GA US
The French Market and TavernRead MoreFind something on the menu for everyone at The French Market and Tavern in Locust Grove. The French Market and Tavern welcomes kids, too, so you can feel good about bringing the whole family. Not to be overlooked is The French Market and Tavern's no-charge wifi. Warm weather, delectable dishes, and an awesome atmosphere make for a dream night out at The French Market and Tavern. Musical groups perform live at The French Market and Tavern, so tables can perk up with some tunes. Those hoping to avoid the weekend rush will do best visiting the restaurant during the week. Can't stay at The French Market and Tavern long? Pick up and go home. If you're driving, that's no problem. Parking available onsite. The French Market and Tavern offers a wide variety of payment options, including payment by major credit card.3840 Highway 42Locust Grove, GA US


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» Components » Resistors
0 Items
5% accuracy 1/4 watt resistors to get you started with your BEAM experiments.
10 resistors each of 3.9M, 4.3M, 4.7M, and 5.1M
1.0 FARAD 2.5 V AL-series capacitor by Panasonic. Almost too large for solar BEAM applications, but when teamed with a larger solar cell, it's a real power-pack!
This 0.01µF capacitor is a relatively low value that is useful for higher frequency bicore experiments.
The Panasonic 1381x voltage trigger detects preset voltage levels depending on the flavour you select. These are the heart of many solarengine circuits.
This 74HCT240 octal (8 channel) inverter chip is more power efficient than the AC series, but can't drive as heavy loads. This makes it more suitable for solar BEAM applications.
Low value 0.001µF capacitors are useful with high-frequency applications.
This new solarcell is a bit smaller than the SCC2433, giving you solar power in a small and convenient package.
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Truffe Noire
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Monaco and Monte Carlo
... over the world. Large yachts and monstrous boats were docked in marinas all the way along - no dinghies here! Yet the beaches? With mostly pebble beaches, not a patch on ours in Australia. As we entered Monaco you knew you were somewhere quite different. Painted in gorgeous golds and creams, salmon pink being a predominant colour on many of the buildings, the whole city was 'spotlessly' kept. Even the public buses were quite stately - clean and efficient. It was summertime ...
A good time with familie
... occasions I get taken for just a little bit. I've visited my family before on motorbike and this area isn't new for me. At some point I come to a shop that I've also visited when I was here on my motorbike. I buy a package of fig cookies. I know now that I won't make it to my family today. I've walked for about sixty kilometre today and that's by far my biggest stretch yet. I decide to walk till I see a nice spot to put up camp. ...
Canoeing the Dordonge and the Market in Sarlat
... 8217;s block of oak a foot thick. It is probably 900 years old. The tables in the kitchens have slots in the ends for swords and the chapels still have some of the brightly colored paint on the walls. We are able to climb the stairs to the top of the keep 490 feet above the river for stunning views of the countryside. We are told the current owner actually lives here. What a lovely day.
Wednesday is market day in ...
Visit to the Bergerac Vineyards
... dinner at a nearby restaurant.
The weather has cooled off a few degrees after the thunderstorms yesterday morning although it still gets very hot in the sun. The high temperatures for the next few days are in the mid-20s - very pleasant.
We had dinner at the Auberge de Archambeau in Thonin. We ate in a garden across the street from the hotel and were amazed that the servers had to carry the food across the street.
Boiled lollies to chocolates and feeling weird
... and the Madame assured us that the wasps were only bees and nothing to worry about. At least that is what we think she was trying to say. We think they were wasps and there was a very large nest right next to where the car was parked. I think the next warning the Madame tried to give was that the ducks were dangerous and she fed them to keep them away. Mmmmm, wasps ok, ducks dangerous, a weird feeling, no dinner, getting late, ...


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BBB Accredited Business since 04/01/2009
Prestige Plumbing Heating Cooling
Phone: (630) 801-8600Fax: (630) 801-864011 John St STE A, North Aurora, IL 60542-1619 Send email to Prestige Plumbing Heating Coolingwww.prestigeplumbingservices.comView Additional Web Addresses
BBB Business Reviews may not be reproduced for sales or promotional purposes.
Request a Free Quote
BBB Accreditation
A BBB Accredited Business since 04/01/2009
BBB has determined that Prestige Plumbing Heating Cooling meets BBB accreditation standards, which include a commitment to make a good faith effort to resolve any consumer complaints. BBB Accredited Businesses pay a fee for accreditation review/monitoring and for support of BBB services to the public.
BBB accreditation does not mean that the business' products or services have been evaluated or endorsed by BBB, or that BBB has made a determination as to the business' product quality or competency in performing services.
Reason for Rating
BBB rating is based on 13 factors. Get the details about the factors considered.
Factors that lowered Prestige Plumbing Heating Cooling's rating include:
- 4 complaints filed against business
Factors that raised Prestige Plumbing Heating Cooling's rating include:
- Length of time business has been operating.
- Response to 4 complaint(s) filed against business.
- Resolution of complaint(s) filed against business.
Customer Complaints SummaryRead complaint details
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|Total Closed Complaints
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Customer Reviews Summary Read customer reviews
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Additional Informationtop
Licensing, Bonding or Registration
This company is in an industry that may require licensing, bonding or registration in order to lawfully do business. BBB encourages you to check with the appropriate agency to be certain any requirements are currently being met.
These agencies may include:Illinois Department of Public Health
122 S. Michigan Avenue
Chicago, IL 60603-6191
(312) 814-2608
BBB records show a license number of 058-119900 for this company, issued by Illinois Department of Public Health. Their web address is http://www.idph.state.il.us.
Type of Entity
Incorporated: June 1989, IL
Contact InformationPrincipal: Mr. Tim Miller ( President)
Business Category
Plumbers, Water Heaters - Dealers, Air conditioning & Heating Contractors - Commercial, Air conditioning & Heating Contractors - Residential, Heating & Air Conditioning, Bathroom Remodeling, Plumbing Drains & Sewer Cleaning, Air Conditioning Contractors & Systems


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