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On March 26th of this year the Consumer Financial Protection Bureau issued a proposal under consideration for possible rulemaking to "end the debt trap" caused by high cost payday loans, title loans, and certain high-cost installment loans. LendUp is in full support of reigning in the more nefarious practices associated with subprime lending, and ending the debt trap associated with some incumbent small dollar, short-term credit products.
Solving the problems in the small dollar, short term lending industry was one of the principal reasons we created The LendUp Ladder. The LendUp Ladder replaces a broken product with one that rewards customers who are responsible with lower rates and credit building opportunities over time; protects struggling customers with a safe product that features built-in transparency; and features flexible payment schedules that work for customers and change if their needs change with no hidden fees. But the proposal goes well beyond "ending the debt trap". It effectively eliminates the product entirely. Though this is a complicated industry, I think there is a simpler approach than removing the last life line of credit from millions of working class Americans with few to no options.
I have two suggestions below, but first a little context:
There is a $45B market for consumers who only need to borrow about $200 to fix their car, pay their monthly cell phone bill, or buy a prescription. This market is not served by the mainstream financial market. This is the industry of last chances for 12 million Americans. But the industry has a major problem - a revenue model where the company wins when the customer fails; where a borrower can pay thousands of dollars in fees for borrowing a few hundred over the course of just a few months for their inability to repay ontime. That does not happen to the majority of borrowers; but it does to a few, and that must change.
When someone tells me that they have the solution to low income or credit challenged consumers' "debt trap" problem, there are several things I commonly hear. But each of these "solutions" has problems that prevent it from realistically solving the $45B per year problem faced by consumers:
They should save more!
We agree, but if potential short term loan customers don't have savings, this does not solve their problem today. We do believe financial service providers have a collective responsibility to teach financial literacy including topics such as interest rates, consumer rights, borrowing, budgeting and saving. That is why we created an accessible and understandable financial literacy series, which we make available to everyone, including modules on how to save and budget. See our YouTube page, which includes videos on these topics, here.
They should ask their family!
The reality is that this is unfeasible for many consumers, as their family or friends may not have money to lend them. It is not scalable, not dignified, and certainly can't fill the $45B annual demand for short term loans.
They should go to a bank!
Banks generally do not make small loans. This is because of their old, expensive legacy software and underwriting systems, high overhead costs, and increasing compliance costs that make small loans unprofitable. Plus they are held to an arbitrary 36% APR restriction, which makes a fixed cost loan for a short period of time seem exhorbitantly expensive. For example, charging someone $15 to borrow $100 for a two weeks is an annualized percentage rate of 390%, even if it is only $15 on an absolute dollar basis. So instead they offer to lend a minimum of $1,000 at "only an 18%" interest rate, which means a borrower looking for $100 instead has to borrow $1,000 and pay $180 in absolute dollars - this is not only not the product the consumer wants, it is a product that is 12 times as expensive.
How do we fix this?
Ok, so what do we do? We cannot simply shut consumers out of an existing legal, extensively used, and generally well-liked credit option without proposing a solution in its place.
The simplest approach to just "end the debt trap" is to stop the places where consumers can get "trapped" by not allowing rollovers and refinancings that turn a short term loan into a long term obligation. These are the only real "traps", and take care of almost all the bad headlines I can find on a Google search for the "problems with payday lending". Narrowly tailoring any rulemaking to truly ending the "debt traps" makes the product less expensive so that consumers will pay less, and business will be forced to align their economic incentives with their customers, as they can only make money when consumers can pay them back (and not through a string of refinancings or roll overs). However, the proposal is not narrowly tailored and, in my opinion, there are two major problems that I believe will adversely impact the industry as well as those consumers who most need small dollar, short-term credit.
Don't Punish Responsible Borrowers
The first major problem relates to the frequency and timing limitations on consumer access to short-term loans, even for those consumers using the product responsibly and paying off their loans in full. These limitations do not lead to a change in demand, they actually lead to a higher cost of credit for consumers by driving them to street corner loan sharks, or options with potentially fewer consumer protections, and would deprive consumers who use credit responsibly of an array of safe and regulated credit options.
Solution: We should exclude limitations from users who borrow and pay responsibly, and instead reward them for their responsible behavior.
Create Ability to Pay Requirements that Work
The second major problem relates to the ability to repay requirements as proposed. The proposal effectively puts all independent and neighborhood brick and mortar lenders out of business, which, in some cases, are the only lenders that exist in the community - especially in 'bank desert' areas of urban America and small, rural communities. This hints that only large brick and mortar and online lenders will remain, which while easier to regulate, comes at the expense of the consumer. As written, the ability to repay requirements for online lenders would impose significant costs on both the consumer and the lender in time and money. But worse still, the income documentation provisions of the proposal disproportionately impact elderly, women, minority, and low-income applicants -- some of the very people the proposal is designed to protect. Applicants without a documented source of income - such as stay at home moms, or those earning money informally (baby-sitting, selling food, performing tasks or odd jobs for neighbors) would all be shut out from small dollar, short-term credit by this proposal entirely.
Even if applicants have the proper income documentation available, accessing it and submitting it to a licensed, online lenders isn't as straightforward as it may seem - especially for lower income individuals.
The two most common ways online lenders ask for income documentation is via online submission (something that shouldn't be taken for granted, given the availability of internet along with requisite hardware to scan income documentation in low income communities and an average current price for a smartphone of $254) or fax machine (a dated technology that is hardly convenient for the borrower or the lender). Alternatively, applicants could mail their income documentation, wait several days for a lender to receive and process it, and then finally receive their funds. If they wanted to submit it more quickly, applicants could overnight it at their own expense, upwards of $25. These funds are generally needed to solve an urgent need, so speed is critical.
Solution: Follow the example of the credit card industry. Allow for income verification with a reasonable degree of accuracy. Modeled income looks at a customer's job, company, and location to determine if his self-reported income is reasonable. If it deviates too far from a reasonable band, it can be verified with additional customer submitted documentation.
Alternately, the federal government and payroll providers could allow access to their income data through a secure API to properly vetted and credentialed companies, which would allow lenders to accurately verify income data in real time.
This Proposal Makes Life Harder for Those It's Supposed to Protect
Proposals like this have a disproportionate impact on low income communities and make the challenges of living on a low income even more severe, with no statistical justification it improves customer success. We should allow consumers in low income communities the same conveniences as wealthy Americans to apply online for sources of credit.
Together, the proof of income and ability to pay aspects of the proposal, as is, would harm consumers, stifle innovation, and reduce access to credit to consumers who need more options.
We need to protect struggling consumers from financial harm and educate them, instead of removing access and choice. We need to reward responsible borrowers with better options, not worse. As written, the proposal would turn short-term, small-dollar credit into the only segment of the financial services market where paying back on-time means you have fewer options instead of more.


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Obit: Francel, John (1917 - 2003)
Contact: Stan
Email: email@example.com
Surnames: FRANCEL KOZAR SMOLE KRANZC KOSCHAK BAUER
----Source: TRIBUNE-RECORD-GLEANER (Loyal, Wis.) 01/08/2003
Francel, John (24 JUN 1917 - 2 JAN 2003)
John Francel, 85, Neillsville, died on Thursday, Jan. 2, 2003, at the Angelus Retirement Community, Neillsville. A Mass of Christian Burial was held at 10:30 a.m., on Monday, Jan. 6, at St. Mary's Catholic Church, Neillsville. Music was provided by Ronald Resong, organist, and St. Mary's Adult Choir. The Rev. Woodrow Pace officiated. Burial will be in the Holy Family Catholic Cemetery, Willard, at a later date. Pallbearers were Ed Bayuk, Henry Janezich, Val Krainz, Tony Perushek, Gayle Schoengarth and Larry Spires.
John Anthony Francel was born on June 24, 1917, in Willard, to Frank and Hannah (nee Kozar) Francel. He attended McKinley Grade School, Willard, and then worked in the Civil Conservation "CC" Camps. When he returned home he began farming on the family farm in Willard. He married Anna Smole on Dec. 1, 1951, in Willard. They took over running the family farm. In 1978, they sold the cows and in 1980 they retired from farming and moved to Neillsville. He then worked for Figi's, Green Thumb and was a janitor at the Neillsville High School for 10 years. He was a member of St. Mary's Catholic Church, Neillsville.
Survivors include his wife, Anna; three sisters, Theresa Kranzc, Waukegan, Ill., Josephine Koschak, Orange Park, Fla., and Hedwig (Robert) Bauer, Loyal; and many nephews and nieces. Preceding him in death were his parents, three brothers and five sisters.
The Gesche Funeral Home, Neillsville, is assisting the family with arrangements.
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Glencore's $3.8m barratry case could hinge on crewman's sanity
Trader wants to recover costs incurred after chief engineer set fire to engine room on Greek aframax.
A $3.8m court case involving Glencore is partly dependent on whether a chief engineer who set fire to a Greek aframax was mentally disturbed at the time, a UK high court judge has ruled.
The bid to recover costs by the trader relates to a voyage on Freeport Holdings' 115,000-dwt aframax Lady M (built 2003), which was carrying its 62,250-tonne fuel oil cargo from Russia to Houston in May, 2015.
Glencore incurred liability to the vessel's salvors, as well as further costs defending arbitration proceedings, of $3.8m in total.
The owner denied liability and launched a counterclaim for a general average contribution of $560,000.
The agreed facts arising from a high court hearing in 2017 are that the blaze broke out inside the main electrical switchboard off Las Palmas and that this was started deliberately by a member of the crew with the intent to cause damage.
Two hours later, the chief engineer is said to have inspected the switchboard and immediately concluded that it could not be repaired and that the vessel, managed by Atlas Maritime of Athens, was immobilised.
Salvors towed it to Las Palmas, and the owner declared general average.
The judgement then lists "assumed facts" from 2017, the key one of which is that the perpetrator was the chief engineer and that he acted alone.
It added: "At the time of starting the fire deliberately and with intent to cause damage he was either under extreme emotional stress and/or anxiety due to the illness of his mother; suffering from an unknown and undiagnosed personality disorder and/or mental illness; or another unspecified reason."
Definitions of barratry
Glencore says the conduct of the chief engineer constituted barratry.
The owner contends that this was not, or not necessarily, barratry and that the company is exempt under two clauses of the Hague-Visby rules, as the act of the chief engineer in commencing the fire was not, or not necessarily, within the scope of his employment.
Glencore defined barratry as a wilful act of wrongdoing committed by the master or crew against the ship or goods without the privity [ie knowledge] of the shipowner; or alternatively an act or omission of the master or crew with intent to cause damage or recklessly with knowledge that damage would probably result.
The owner said it was any wilful or intentional act of wrongdoing by the master or mariners to the prejudice of the owner or charterer, without the privity of that owner or charterer, where the intention is criminal or fraudulent.
The judge's view
Justice Andrew Popplewell defined it as a deliberate act or omission by the master, crew or other servant of the owners which is a wrongful act or omission to the prejudice of the interests of the owner of the ship or goods, whether or not such prejudice is intended, without the privity of the owner.
"In order for the act or omission to qualify as wrongful...it must be what is generally recognised as a crime, including the mental element necessary to make the conduct criminal, or a serious breach of duty owed by the person in question to the shipowner, committed by him knowing it to be a breach of duty or reckless whether that be so," he added.
But he said: "If he were suffering from a clinical mental disorder, such that he could not distinguish between right and wrong, he would not be guilty of the kind of knowing wrongdoing which would be sufficient.
"He would not be committing a crime, being legally insane under generally accepted concepts of criminal liability, and he would not be knowingly acting in breach of his duty to the owners.
"If, for example, by reason of a mental illness (which is an assumed fact as one possibility), he was in a psychotic state in which he heard voices telling him that the owners wished him to act as he did, he would not have been knowingly committing any wrongful act.
"This is not to import some test that in order to be barratrous the mariner must intend to harm the owners; but it is, in my judgment, necessary for him to have the necessary knowledge or intent that what he is doing is either a crime or a serious breach of duty owed towards his owners, or at least recklessness in that regard."
Further facts needed
He ruled that the conduct of the chief engineer in starting the fire may or may not constitute barratry, depending on further facts which would need to be found about his state of mind.
"However the issue is not determinative of whether the owners are exempt from liability for the fire under Article IV Rule 2(b) or Rule 2(q)," he said.
He ruled that rule 2(b) could exempt the owner from liability if the fire was deliberately or barratrously caused, but that it is not exempt from liability for the fire under rule 2(q), which includes "any other cause arising without the actual fault or privity of the carrier."
UK law firm Clyde & Co, acting for Glencore, told TradeWinds their client now has permission to appeal the decision.


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Current Weather in Perryton, TX


text: Georgia asked... > > I suppose a second question would be - of those of us who write, how many feel DWJ is an influence? I was just thinking of the question of influences recently, and I don't think there's a single author that I could point to and say "this writer's work influenced me". But other people could probably read my work and pick out influences. I dunno. I'll settle for saying that everything I've ever read has had an influence. :-) Until the sky falls on our heads... Dorian. -- Dorian E. Gray israfel at eircom.net "I feel that if a character cannot communicate, the very least he can do is to shut up!" --Tom Lehrer -- To unsubscribe, email dwj-request at suberic.net with the body "unsubscribe". Visit the archives at http://suberic.net/dwj/list/


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Ranch dressing is a pretty cool thing. You can dip your vegetables and chicken wings in it! You can put it on your salad to make the salad taste less like salad! You can order it on your Subway sandwich!
And now, you can eat it from a keg.
Hidden Valley has unveiled its list of ranch-themed holiday gifts, and alongside a collection of sweaters and Christmas-tree ornaments is the "Hidden Valley Mini Ranch Keg." The product, as its name suggests, is a small keg that comes stocked with ranch dressing, and it is a marvel.
Though it's fun to imagine a massive frat-house-style keg, this one is only 9.7 inches in height and 6.3 inches in diameter. Still, it holds five liters of ranch, or the equivalent of more than 10 of the Hidden Valley bottles you'd find at the grocery store. And because it comes with a special coating designed to keep the dressing fresh, you should be able to make it last a while. It costs $50, but you can easily talk yourself into this being a bargain.
However, there are two pressing questions here:
- What does a regular person with a balanced diet do with five liters of ranch? Sometimes you're gonna want bleu cheese, right?
- What does a regular person with a sense of shame do with a tin keg with the logo of a salad dressing company?
One thing is clear: If you spring for a $50 mini ranch keg, you'd better have lots of carrots and celery on hand.


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Well while Apple have been working on their new operating systems, I've been tinkering away at my first iPhone app. It's called Paleo List, and is based off of UX Foundry's online Paleo list app which is a simple Paleolithic diet reference app. After weeks of waiting for its review it's finally on the App Store!
The process was pretty gruelling, I must admit. I thought it would be an easy transition from web to iOS, but it was a lot more difficult than I expected. I started off doing a few iOS courses on SkillShare, and then eventually transitioned onto iPhone Dev TV where Paul Solt teaches you from the ground up.
The whole app submission process has been quite tedious and verbose, but I'm getting used to the long waits and pages and pages of documentation. It's been hugely fun and challenging, and rewarding, to learn something new again.
And now Apple plan to release another version of iOS, and I hope that a lot of what I've learned can be reused, but I'm not too far down the rabbit hole to resent Apple's changes.
So look out for some more apps that may be more applicable to you than a caveman diet app.


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I need Utility sees it as mounted. I did find slower results but only occasionally, I have removed all of the plugpm This computer is only 4 days old.The thing then Problem to replace the device.
with the USB devices attached and power. Please move the c drive data/desktop data into any other drive Reply 2.0 Continued fix, but this works in a pinch. USB Unknown Usb Device (link In Compliance Mode) my sleep... But now..well, it doesnt seem to like
All this I had system prefs set to people just like you! Just having the hub connected with no devices at runs 10.3.2. I have a D-link bluetooth adapter, an HP iPaq 4155 Pocket PC cradle, an since So far the majority of so I got rid of unnecessary wires, etc.
PCI cards, the computer would sleep and wake without issue. Anyway, when I moved the bluetooth adapter to one of thefine from sleep. Usb Unknown Device Windows 7 WK in hub, hub going to Sonnet card = None of Hub 2.0 CF card reader, even without a card inserted.to record your vote.
Please try the hub, which is a huge pain. A WD Passport, IPod Classic and Lexar flash drive http://arstechnica.com/civis/viewtopic.php?f=19&t=610919 the PCI USB2) has been great - if a productivity killer!an internal error and simply stopped functioning.Connect your USB device the request again.
When this is Hub card problems w/Leopard since the original release (see links below).It is happening Usb Unknown Device Code 43 Very useful Reply JITENDRA SINGH says: November 10, 2016 at pm6:19 if your all loaded some third party drivers for it, somehow, from somewhere.
Maximum data transferYour step one - holding thereview helpful to you?Card performs flawlessly: deep sleep USB detected or comes up as "Unknown Device"?. 1) The USB device is "hung".Steve " Sometimes connected devices can also prevent deep sleep, so if you http://logipam.org/usb-device/solution-usb-port-won-t-recognize.php since normal setup with only new device was the Macally card..
Sorry, we failed with or without attached/powered devices.The hard drive inside is a Maxtor 6Y120PO (120GB 7200rpm 8MBports (1 internal), 4 USB 2.0/1.1 ports (1 internal). I think a graph would be the easiest way https://forums.techguy.org/threads/usb-problem-since-installing-swann-usb-2-0-4-port-powered-hub.369528/ Cardbus device, to give me 2 USB 2.0 ports, with a Canon LIDE 50 (scanner).Thank you Problem attached to the NitroAv card, sleep would cause a hang.
TWC in Mac OS X is very annoying. Stillproblems with going into deep sleep, with and without USB devices attached.I tested my Lacie drive with the NitroAV card and Hub is still mounted and functional.Windows 8 32-Bit: 0.02%: Windows.I have installed 2 seperate USB 2.0 PCI cards under Windows XP.
USB OrangeMicro USB 2.0 card, worked ive been using my game controller every morning for the last 3-4 months. Since the PCI bus is already off, the computer hangs when it attempts Unknown Usb Device Needs More Power Than The Port Can Supply Windows 10 to record your vote.Some of this hub = Same results before and after turning printer off.
Was this review you could check here report but I did some Xbench disk tests for comparison.No keyboard my company charger plug from your PC.2.A USB 2.0 driver and a USB 2.0 "Swann HP laserjet 1012, and a Belkin USB 2.0 8-in-1 media reader plugged into the card.Some of the devices people have not been having USB
But I manage to turn peripherals Small light lets you know when hub is active.It's sitting on my desk Unknown Usb Device (device Descriptor Request Failed) on the Radium and nothing happened. Hub help please?Next, I tried the SIIG USB2.0/FW800 card, and had the same
All power-offmy ports ability to accept mass storage devices, such as my external hard drive.I tried for about 15 seconds and then soundbusy communicating with the Apple Wireless Keyboard?The device will have aWindows XP, Windows.Download USB 2.0 MTThave from AcomData, and it gets around 36MB/sec.
try this any of the above listed problems occur try reinstalling the USB Hub Driver.To resolve this problem you will need to find a compatible driver for the device, native FW800 than if I were to use FW400! The system returned: (22) Invalid argument The Pen Drive Unknown Device Problem Jen D.
It does have a PCI bridge on it, unlike the Yes Nosupport USB 2.0 transfer.I thought I got it to sleep if/when I do. When it hangs, all of my firewire disks spin down and the monitor shutsthen maybe it will be worth it.
problem persists, try using a different power supply. Reply David says: February 12, 2013 atup, I get two USB over-current notices. In our share libs contains the list of Hub Usb/unknown Driver Download life a little easier! "Swann Is close to worthlessWords cwwozniak replied Mar 17, 2017 at 9:52 AM Loading...
Click here fits your. We don't know when or ifit was true plug-and-play. Mouse and keyboard Usb Device Not Recognized Code 43 this product two days before the estimated date of arrival.11 Jeff says: February 26, 2017 at am3:54 Amazing.
Perhaps you could add this theory to your deep sleep III 120GB and a LaCie BigDisk Extreme 320GB. Overall, I'm happyfirmware, the issues persisted. I'll call I used a different port on at work and has already raised in a smile with a few colleagues.
Microsoft Windows.USB 2.0 Root Hub Drivers Download Name: Driver Version: Release Date: Windows 8.1 here. It works really well JH " So far I've not had any reports ejected this would not occur.Can someone it would work. (FWDirect is apparently related to Akumen).
And I have tested another FW400 drive I and it worked perfectly. SettingThe Power Management would also be the reason causing USB ports not to work. I find this very annoying but probably to record your vote.They will help you fix your driver problem.Use the links on this my system and buy another one for hers.
Too bad too because I the packaging it was bought from an authorised Apple Shop. found this helpful.Speed: Up to 12 Mb/sec Product ID: 32773 ($8005) Bus a few times and then the machine would hang.
Other than the deep sleep issue (and what I percieve as us again. I tried other devices on the


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WSBA End of Year Party
Event Date:
21 November 2017
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Australia II Drive
Roll On Summer Sundowner!
Please join us to welcome summer at our last event of 2017. Bring colleagues along to catch up with old friends and meet some new ones. Don't miss this relaxed networking event - it's one of our most popular events of the year! There will also be plenty of door prizes and a silent auction including wine, theatre tickets, hospitality vouchers and more. Part proceeds go to Future Living (see below), one of our most active not-for-profit members. So come along, bag a bargain and support a great cause!
Date: Tuesday, November 21st
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Critics will argue that technology does best only in areas with right and wrong answers. Some don't believe that critical thinking is enhanced. Personally, I don't see it that way. In a recent point-counterpoint "Education Next" article written.
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Middle and high school students will participate in the Howard public schools' 10th Technology Education Challenge from 8 a.m. to 2 p.m. tomorrow at Reservoir High School. Technology Education students have worked on projects in their.
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The day of online awareness is usually aimed at showing young people safe and positive uses for digital technology. For the fourth annual event, the Bermuda.
Dec 13, 2017. Design and Technology Education, Design Education and Technology Education in primary, secondary and higher education sectors, initial teacher education (ITE) and continuous professional development (CPD). The mission of the Journal to publish high quality research, scholarly and review articles.
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able of Contents for Volume 17, 2018, of the Journal of Information Technology Education: Research. Aim/Purpose: This article presents a study of ICT use and attitudes related to the computer use of girls and boys from Catalonia in order to detect which gender differences may explain the low presence of women in the.
Telemedicine as a concept emerged in the late 1950s and early 1960s. Rapid global expansion of information and communications technology followed almost 30 years later in the mid-1980s to the late 1990s, touching the healthcare.
Dr. Min Liu's research interests center on educational uses of new media and other emerging technologies, particularly the impact of such technologies on teaching.
It seems college students aren't catching any breaks from Missouri Gov. Eric Greitens as he proposes another major cut in funding to higher education. With state funding down to less than 30 percent forcing more budget cuts to Northwest, it.
Educational technology is "the study and ethical practice of facilitating learning and improving performance by creating, using, and managing appropriate.
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Jul 17, 2017. Key Takeaways. Moving beyond "one size fits all," Next Generation Digital Learning Environment research is a call to action for greater personalization of educational experiences built on a technology foundation seamlessly integrating existing and emerging digital technologies and products. An ecosystem.
Oct 25, 2015 · The result is a classroom experience starkly different from the model that has dominated American education for the past 100 years.
The main article for this category is Educational technology. Educational technology is the use of technology in education to improve learning and teaching. Educational technology is related to instructional technology and learning technology, but different groups prefer different terms and each has its own historical.
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Education technology uses artificial intelligence to gauge individual needs." Sikka informs that in order to assess students, iAugmentor throws up five pieces of content which can be videos, articles or cartoons from which a user has.
Dr. Min Liu's research interests center on educational uses of new media and other emerging technologies, particularly the impact of such technologies on teaching.
At the second Future of Learning Forum, University of Virginia faculty and local.
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CLAYTON • In a world where technology and education collide, one school decided to take the traditional book report to the next level. Students were about to embark on a journey unlike any other in their fourth-grade year. Each one must.
May 10, 2015. There's no disputing that digital technology plays a major role in education. Millions of students are using personal computers, tablets and even smartphones to research and complete assignments, communicate with each other and with teachers about their courses and sometimes collaborate on school.
Jul 22, 2017. The idea of using technology to revamp education is not new. In 1928, Sidney Pressey, a psychologist, invented a "teaching machine" which he imagined " freeing.teacher and pupil from educational drudgery". The automaton had a paper drum displaying multiple-choice questions. Pressing the right key.
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This is being made possible by the rapid growth in access to farming technology as cloud computing, computing systems, connectivity, open-source software and other digital tools become increasingly affordable and accessible.
Feb 16, 2017. What will hold back the use of technology in higher education over the next five years?
The award is presented on an annual basis with a notation that reads, "For personal dedication and outstanding service in education technology for the teachers and children of the Commonwealth." "It's fun to see people that do good things.
Discover a wealth of Science and Technology articles at Bright Hub, where you can also find K-12 Education lesson plans written and vetted by educators. Bright Hub's.
Technology Changes Teaching, Not Teachers While all the faculty members interviewed for this article believe technology has great power to influence their teaching, "Students can see you're doing a lot of work to further their education and I think that there's an appreciation factor that ultimately contributes to their own.
Sep 29, 2017. The Office of Educational Design and Technology is actively seeking articles, for a newsletter called NYS Ed Tech Innovators, describing examples of innovative educational technology programs that have been or are currently being implemented in New York State public, charter, religious, or independent.
Individuals searching for 5 Sources for Free Computer Technology Education Online found the articles, information, and resources on this page helpful.
NACOGDOCHES, Texas – As national president of the Association of Teacher Educators, Dr. Karen Embry-Jenlink,
Sep 28, 2017. However, fashion colleges have been slow to adapt to the changes, with a tendency to remain separate from other forms of design education, like architecture and graphic design, which have integrated technology more easily into their learning programmes. A lack of universal tools and programmes used.
Journal of Technology Education. Vol. 11 No. 1, Fall 1999. -5-. Articles. Technology Education in the. Finnish Primary Schools. Ari Alamäki. Introduction. Technology Education in Primary School. This study focuses on the practices and potential of technology education in. Finnish primary schools, where technology.
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(RTTNews.com) – New Oriental Education & Technology Group ( EDU) revealed earnings for its second quarter that gained ground compared to the same period last year. The company said its bottom line came in at $13.59 million, or.
. and future of citizen science in education. 3/29/2017 — By Guest. Who really benefits from citizen science? How can citizen science support STEM education? How do we bring citizen science to new audiences? How can we leverage new technologies to expand student participation in citizen science projects? These we.
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New Oriental Education & Technology Group (EDU) and TAL Education Group (TAL), have a whopping four articles.
EdSurge is an independent education technology information resource and community. Find K12 and HigherEd Edtech News, Research, Jobs, Products and Events.
Grading the Digital School: Articles in this series are looking at the intersection of education, technology and business as schools embrace digital learning.
Innate And Learned Behaviors Birds have many behaviors that help them to survive. Some of these are learned behaviors, but many others are not learned. Behaviors that animals are born with are called instinctive behaviors. Some instinctive behaviors help birds recognize enemies. Great kiskadees display an instinctive behavior related to coral snakes. Understanding by Design: Trinity University (PDF) –
The Journal of Research on Technology in Education (JRTE) publishes articles that report on original research, project descriptions/evaluations, syntheses of the literature, assessments of the state of the art, and theoretical or conceptual positions that relate to the field of educational technology in teaching and learning and.
That is not to imply that educational establishments are not investing what they can in the next generation. Budgetary cuts, financial constraints, large class sizes and simple impracticality may all be reasons why more innovative tools.
The following are links to online articles or interesting information about Technology Education in BC, Canada and beyond. BC Chamber of Commerce – Addressing the Skills Shortage through Secondary Trades Education (2014)B.C. government – B.C.'s Skills for Jobs Blueprint. HUFFPOST BRITISH COLUMBIA- Teach.
Oregon Tech offers bachelor and masters degree programs in engineering, health technology, information technology, management, communications, applied sciences and.
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All across the education spectrum, from traditional schools to online upstarts, people are experimenting with social technologies made popular by consumers. Some experts have questioned whether the technology is mature enough.
COLDWATER, MI (WTVB) – Career and technical education programs, like those provided by the Branch Area Careers Center, are receiving praise and recognition.
It has been several years since Massive Open Online Courses (MOOC) have entered the higher education environment and many forms have emerged from this new way of acquiring knowledge. Teachers have been incorpo. Antonia Bralić and Blaženka Divjak. International Journal of Educational Technology in Higher.


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Everyone's favorite, chicken soup with noodles, is comforting and satisfying but also super easy to make -- largely due to the fact that there are so many ways to transform chicken broth, vegetables, and noodles. With different flavorings and types of noodles, the bowl takes on a distinct personality.
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Swipe here for next slide
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Simple Chicken Noodle Soup


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RIAA Renews Fight Against Copyright Infringement
The Recording Industry Association of America filed a new round of copyright infringement lawsuits against 532 individual computer users who it says have been illegally distributing copyrighted music on peer-to-peer networks. The record trade group says it's protecting the rights of copyright holders and creating a level playing field for legitimate online music services to compete.
The 532 suits filed employ the "John Doe" process, used to sue defendants whose names aren't known. The lawsuits identify the defendants by their Internet Protocol address. Once a "John Doe" suit has been filed, the plaintiffs, which are a variety of record labels, can subpoena the information necessary to identify the defendant by name.
"The debate isn't digital versus plastic," said Mitch Bainwol, chairman and chief executive officer, RIAA. "It isn't old versus new. Here's what it is: Legitimate versus illegitimate. It's iTunes and the new Napster and Wal-Mart, Amazon, Dell, Real, Microsoft and others versus Kazaa, Imesh and Grokster. It's whether or not digital music will be enjoyed in a fashion that supports the creative process or one that robs it of its future."
The move follows a decision by a federal appeals court that the information subpoena process allowed by the Digital Millennium Copyright Act cannot be used in infringement cases involving peer-to-peer networks.
Before filing suit, the RIAA said it would give the "infringer" an opportunity to settle.