http://rightwingnews.com/quotes/the-third-annual-50-best-political-quotes-of-2011/
Sincerely,
David Lundeen
Sent from my iPad
http://rightwingnews.com/quotes/the-third-annual-50-best-political-quotes-of-2011/
Sincerely,
David Lundeen
Sent from my iPad
If this cover image doesn't terrify you into driving safely, we don't know what will. According to the illustrator, driving 30 miles and hour is as dangerous as driving on the roof of a building. To keep readers from suffering such terrible fates, writers Devon Francis and John F. Stearns recommended memorizing the seven keys to safety, which are as follows:
1. Learn to judge the conditions of the road and the drivers.
2. It isn't how fast you can go, it's how fast you can stop.
3. Keep one car length between you and the car in front of you for every 10 miles on your speedometer.
4. Suspect every pedestrian of suicide.
5. Every intersection is a crash point, so slow down.
6. Signal properly.
7. Expect the worst from the other car."
Sincerely,
David Lundeen
Sent from my iPad
Sincerely,
David Lundeen
Sent from my iPad
1. Beginning adulthood without debt is worth far more than a designer diploma.
The authors’ No. 1 rule for parents: Don’t let your child go into debt for college. In 2010, almost two thirds of undergraduates borrowed money, and student-loan debt outpaced credit card debt for the first time. The College Board likes to say that a typical senior graduates with “only” $24,000 in debt, but with interest, collection charges, and penalties for postponed payments, the amounts owed can exceed $100,000. If you ever default on a federal student loan (and the rate of defaults is rising), you’ll be hounded for life. Lenders can garnish your wages, intercept your tax refunds, and have your professional license revoked. You can’t work for the government or collect your social security. “People have been sold this propaganda: ‘The rates are so low; just get a loan,’ ” Dreifus says. “The long-term effect is to cripple your children.”
9. Going to an elite university does not guarantee success.
To prove this point, Hacker and Dreifus tracked the 900-odd students who graduated from Princeton in 1973 to see if the school was delivering on its promise “to prepare students for positions of leadership,” whether in business, public service, or the arts, which Princeton administrators claim as their goal. “We were very disappointed,” Hacker says. “There were only a handful of recognized names in that class of 900. What that tells us is simply this: In America, if you put your talents to their best use, by the age of 35 or 36, you’ll be passing people from Princeton, no matter where you went to school.” Sure, the authors acknowledge, a designer degree might help you get into medical school or law school at Harvard, Stanford, or Yale. That’s a nice bonus if you can pay the full sticker price, they say, but not enough of an edge to saddle your child with many thousands of dollars in debt.
• National Geographic National Parks Maps HD App - $4.99
This app pairs hi-res images of points-of-interest within National Geographic HD topo trail maps for 15 parks (Yosemite, Yellowstone, Zion, Grand Canyon, Grand Teton, and ten others). The iPad’s Digital Compass will locate you within the park when you are ready to start exploring.
• JetSetter - Free
This visually stunning, content-driven travel app lets you discover travel destinations through a gorgeous layout and photography. The stories and editorial reviews will tantalize you to take a trip—and the app even allows you to book a hotel stay with a cool calendar feature. It also has “Flash Sale” limited-time travel deals.• TripAdvisor - Free
Thanks to the iPad’s digital compass, TripAdvisor’s vast database of user reviews are made available on Google Street maps. Simply locate yourself via the GPS, then read reviews of nearby restaurants and hotels positioned on a Google Street View map. What’s surprising is all the local information. I always considered TripAdvisor to be best for international hotels. But with the app, I located myself in my apartment in Brooklyn and it showed me all the restaurants and businesses on my street with contact info and user reviews.
• Fotopedia Heritage - Free
Brilliant photos illustrate the world’s UNESCO World Heritage sites in this app. The Machu Picchu slide show alone has 59 images.
• FlightBoard - $3.99
This app quite simply lets you see the Arrivals and Departures flight boards in any airport. Pretty handy if you are dealing with weather delays.
• AllSubway HD - $.99
This is the first collection of subway maps from the world’s great cities, from Moscow to Munich to Perth. You don’t need a Wi-Fi connection to use it, so subterranean navigation is possible.
Starting in May, Apple is going to offer free travel app workshops for consumers at their 200+ U.S. stores. At these workshops, Apple instructors will show the latest and best travel apps available.
The U.S. Army has established an app store (the Army Marketplace) for military smart phone users. This includes the iPad, which soldiers are also big fans of. The army app store includes an "App Wanted" section where users can post descriptions of an app they need. If a developer (in uniform, or an army approved civilian with access to the Army Marketplace) is interested, a discussion can be started on an attached message board. The army hopes that the needed app will be quickly created and made available at the Army Marketplace.
This free mobile app uses visual recognition software to help identify tree species from photographs of their leaves.
Leafsnap contains beautiful high-resolution images of leaves, flowers, fruit, petiole, seeds, and bark. Leafsnap currently includes the trees of New York City and Washington, D.C., and will soon grow to include the trees of the entire continental United States.
This website shows the tree species included in Leafsnap, the collections of its users, and the team of research volunteers working to produce it.
Apple's app-based approach to the internet was a much more innovative one, he said, and the popularity of the iPhone and iPad meant that the Cupertino company was starting to wrest control from Google, the firm that has dominated the web for many years now.
"Right now Apple is just killing the World Wide Web. Peope are adapting iPads and iPhones at a rate. Apple will do almost 100 million units this year - I mean, the numbers are staggering," MacNamee said.
Apple is also taking the fight to another of its tradtional rivals - Microsoft, MacNamee argues. "This is the year where Microsoft has fallen below 50 percent of internet-connected devices, down from 97 percent 10 years ago," he said.
According to MacNamee, Windows is about to enter a cycle of decline, whereas Apple will come to the fore with the iPad 2. The success of the iPad and Apple's app-focused approach would see the company lead a 10-year cycle of growth for the company and the technology industry as a whole, he said.
Save up for your wants. Spend less than you earn. Despise debt — any of it, including student loans — so that you borrow as little as possible.
Student loans are like no other loans. Lenders and debt collection companies can come after federal loan defaulters with a vengeance. Loan payments can be deducted from a borrower’s wages, income tax refunds can be snatched, or the account can be turned over for collection, which of course means more fees added to the loan. Federal benefit payments for defaulters, including Social Security benefits, can be taken. Borrowers can be sued for the entire amount of the loan, and there is no time limit for collection on federal student loans. They are liable for any collection or court costs; and they might not be able to renew a professional license. On top of this, it’s nearly impossible to erase the debt in bankruptcy.
The report also highlights another distressing fact about student loans. Twenty-three percent of borrowers kept default and delinquency at bay by postponing repayment of their student loans through deferment or forbearance.
A deferment allows borrowers to stop making loan payments if they meet certain criteria, such as an economic hardship. Lenders may also grant a forbearance that gives borrowers permission to stop making payments for a set period of time. But forbearance is generally a more expensive option than deferment because interest continues to accrue, even on federal subsidized loans.
Here’s the moral of this story, the authors of the study say. Their research confirms that far more students than generally recognized begin to pay off their loans but then have to resort to repayment options that increase their overall debt.
HIGHER EDUCATION BUBBLE: In response to yesterday’s post on Rick Perry’s $10,000 B.A. proposal, reader Steve Schroeder writes:
While visiting with old college friends on New Years’ Eve we did a back of the envelope calculation on the cost and value of our BA degrees in Accounting from 1981. We attended a small well regarded Midwestern liberal arts college from 1977 to 1981. Tuition, room and board was between $3,000 and $4000 per year so around $16000 for our BA. As entry level accountants in public CPA firms we earned a salary of around $17,000 per year. So we earned in salary an amount equal to the cost of a BA degree in our first year of employment. Now that same college, which my youngest daughter is looking at attending costs $42,000 per year. If she earned her BA in Accounting it would cost her $168,000. Her possible first year salary as a CPA? Not even close to $168,000. Maybe around $45,000. What a change in 30 years in the value of that BA in Accounting.
Indeed. Many degrees have seen a similar decline in their return on investment. It’s because the return has (more or less) kept pace with inflation, while the required investment has run wildly ahead.