17 May

Emmylou, Rodney ‘Traveling’ anew, in style

We dont all die young to save our spark/From the ravages of time. Those are the first lines sung by roots-music veterans Emmylou Harris and Rodney Crowell on The Traveling Kind (*** 1/2 out of four), the title track of their second album, out Tuesday.

Artists such as Harris and Crowell, of course, sustain their longevity by using time, and the experience it brings, to enrich their creative and interpretive work. On 2013s Old Yellow Moon, the singer/songwriters found new inspiration and resonance in songs written or made famous by other artists, including some penned by Crowell.

Traveling Kind shifts the emphasis to originals — a few of them, like the elegiac, gently glowing title tune, written by Crowell and Harris (with Cory Chisel here, also their co-writer on the plaintive You Cant Say We Didnt Try). Crowell crafted a few songs with other accomplished writers and tunesmiths, from Larry Klein (the muscular, playful Bring it on Home to Memphis) to Mary Karr (the sweetly wonder-struck Just Pleasing You).

Harriss unmistakable, throbbing voice — still astonishingly pure — is at its breathy, bereft best on No Memories Hanging Round, Crowells aching meditation on the difficulty of finding love again after loss. His pining Higher Mountains (written with Will Jennings) is a similarly ideal vehicle for her ability to capture longing without sentimentality.

15 May

What to do in face of bird flu

Reporting is crucial

Virus strains can travel in wild birds without them appearing sick. People should avoid contact with sick/dead poultry or wildlife. If contact occurs, wash your hands with soap and water and change clothing.

The public is asked to report sick/dead poultry to DATCP at 1-800-572-8981 or wild birds to the DNR at 1-800-433-1610. Contact the Dunn County Public Health Department with human health questions at (715) 232-2388.

5 May

Look Up! Billboard Creative Art Show Opens In L.A.

L.A, April 28, 2015/ PRNewswire-USNewswire/ The Signboard Creative (TBC) Q1 2015 public art program is open on 14 billboards throughout Hollywood and Los Angeles (see map at www.thebillboardcreative.com/map). This is the inaugural show from The Signboard Creative (www.thebillboardcreative.com), a non-profit established in 2014 with the goals of offering artists access to a mass audience and making art as assessable to Angelenos as the many billboards they view every day. The boards are on screen through Might 15.

The program consists of works in a wide range of media by 14 artists from seven nations:

  • Lisa Adams, L.a, painting
  • Craig Deppen Auge, Kansas City, MO, mixedmultimedias collage
  • George Bates, Brooklyn, illustration
  • Susan Bowen, New York, NY, picture
  • Paula Faraco, Berlin, photo
  • Colleen Flaherty, Northern California, painting
  • Dai Ito, Shibuya-Ku, Japan, photo
  • Luisa Menazzi Moretto, Mogliano Veneto, Italy, picture
  • Joel Pedersen, San Diego, CA, photograph
  • Andreea Radutoiu, Los Angeles, image collage
  • Sara Rossi, Perugia, Italy, painting
  • Marie-Jossee Roy, Trois-Rivieres, Canada, mixed media on metal
  • Hakan Sjostrom, Stockholm, Sweden, photo
  • ToTa (Ismini Christakopoulou and Thanasis Farangas), Vienna, Austria, digital art

Visual artist Cey Adams and art and picture curator Dee deLara curated the program.

This is a grass-roots, volunteer-driven company that is all about assisting artists get their work showed to broad audiences and making art a part of the dailylives of more individuals, said Adam Santelli, TBCs creator. I discoveredlearnt about remnant billboards last year and did a test and it was amazing to see pedestrians do double takes and return to see the work. If we can get more artists exercise there, and have individuals who are walking and driving around LA pause and think what is that – thats intriguing or cool or lovely, well think about the show a success.

Artists submission charges funded billboard area rental for the program. Santelli refers to it as an artist crowd-funding model. Angelenos can download a show map, with addresses and QR codes with Google Maps for each billboard location, at www.thebillboardcreative.com/map.

IMAGES: http://www.thebillboardcreative.com/gallery/
ARTIST INFORMATION: www.THEbillboardcreative.com/artists-q1

Image – http://photos.prnewswire.com/prnh/20150428/212033

SOURCE The Billboard Creative

4 May

Practically Half Of US Consumers Don’t Go ShoppingLook For House Mortgage

The Customer Financial Defense Bureau launched a report previously this year with an unusual finding: nearly half of US customers fail to shopsearch for a mortgage when purchasing a house.

Our study found that numerous customers are not going shoppinglooking for a home mortgage, stated bureau president Richard Cordray, noting that 3 from four customers apply with one lender or broker.

Consumers put great believed into the choice of a home, however the home loan procedure continues to be intimidating, he said.

As an outcome, the bureau offers a toolkit to assist shopbuy a homea home mortgage. The full report can be discovered here.

3 May

HarborOne Goes All In On Home Mortgage Financing With Merrimack Home Loan Acquisition

Brockton-based HarborOne Bank is getting the house mortgage lender Merrimack Mortgage Co. Inc., massively broadening the previous cooperative credit union’s home mortgage company and giving it a presence outside of Massachusetts.Financial terms of the offer

were not disclosed.Merrimack, which is based in Manchester, New Hampshire,

has actually balanced over$ 1 billion in yearly company in New England, according to HarborOne. By contrast, the bank originated about$150 million in domestic homemortgage in 2014, HarborOne President and CEO James Blake informed the Business Journal. “Some banks are getting out [of the mortgage company]

, while some are getting more powerful in it,”he said.”If you’re going to be in this, you truly need to have a particular scale. “The acquisition is designed to improve the earnings HarborOne derivesoriginates from fees, instead of interest, according to Blake. The bank took in$15.1 million in non-interest earnings in 2014, compared with $45.4 million in net interest income.Merrimack does just over half of its company in Massachusetts, according to Blake. It has 7 sales workplaces in the state, including Braintree and Canton branches. HarborOne has 14 full-service branches, all in southeastern Massachusetts.One of the most attractive elements of the deal is the level to which it will certainly expand HarborOne’s footprint,

Blake stated. Merrimack has 24 sales offices beyond Massachusetts, mostly in New Hampshire and Maine, with one area each in Connecticut and California.The 98-year-old HarborOne converted from a cooperative credit union to a bank in 2013. It has simply over $2 billion in overall assets, making it one

of the 15 biggest Massachusetts-based banks.The deal is expected to close in July. Merrimack will certainly become HarborOne’s subsidiary, with principals Dan McKenney and Timothy Boyle remainingremaining on as executives

for the system. The business has about 200 workers, compared to HarborOne’s 325.

2 May

Kayla’s Creative Art Studio’s May Calendar Of Events

BERKELEY HEIGHTS, NJ – Kaylas Creative Art Studiooffers a complete calendar of classes throughout the month. Visitwww.kaylascreativeartstudio.comfor a calendar of occasions including adult, family or childrens after school programs– in addition to details on scheduling your very own celebration or occasion.

The following are a sample of the classes provided in the month of May:

Saturday, May2at 3pm- Household Painting Class for All Ages – Sunflowers

Tuesday, May 5 at 7 pm – Cinco De Mayo

Wednesday, May 6at 7 pm – Flowers in Vase

Friday, May 8at 7 pm – Almond Blossoms

Sunday, May 10 at 11:30 am – Moms Day Painting – Family Class

Wednesday, May 13 at 7 pm – Elephant

Thursday, May 14 at 7 pm – Still Life Pastel Illustration Class

Friday, May 15 at 7 pm – Paint your Animal

Saturday, May 16 at 7:30 pm – Sunflower Dawn

Sunday, May 17 at 1 pm – Select your Painting Household Class

Wednesday, May 20 at 7 pm – Choose your Painting

Thursday, May 21 at 7 pm – Mediterranean Beach

Friday, May 22 at 7 pm – Day at the Beach

Saturday, May 23 at 7 pm – Monets Water Lilies

Sunday, May 25 at 1 pm – Owl Household Painting Class

Wednesday, May 27 at 7 pm – Select your Painting

Thursday, May 28 at 7 pm – Summer Waves

Friday, May 29 at 7 pm – Peacock

Saturday, May 30 at 7 pm – Van Goghs Balcony

Sunday, May 31 at 12 twelve noon – Painting and Wine Tasting at Four Siblings WinerFamily

The painting is 100 % novice oriented– no abilities required. Trainers stroll you step by step– down to what brushes to make use of and how to blend the colors. Classes are 2 to 3 hours long. Guests bring their own food and BYOB– Kaylas will generate glasses, plates, utensils, corkscrews and ice in addition to a fridge and household kitchen for your use.

Kaylas is locatedlies at 629 Springfield Avenue in Berkeley Heights. For more detailsFor more details contact -LRB-908-RRB- 516-2670 or e-mail info@kaylascreativeartstudio.com.

1 May

For-profits Leaving Direct Personal Loan Field

As examination of for-profit institutionsincreases, direct personal loans from those organizations to students are becoming rarer. One reason is that states havejoinedfederal agencies in inspecting the sector over itslending, recruitment and marketing practices.

Take the Minnesota lawyer basic # 39; s attempt tocrack downon World University. Lawyer General Lori Swanson charged the university with breaking state law and making unlicensed loans with rate of interest as high as 18 percent.

Globe provided a private loan directly to students, callingit the Educational Opportunities and Student Access loan. The state received grievances about the programand amended an ongoing suit to add allegationsofunlicensed financing and usury charges.

The majority of public companies used to do this. Corinthian [College] had a couple of iterationshellip; another was ITT. Education [Services] Those were the most aggressive in loaning money, stated JeffSilber, a college-sectoranalyst with BMO. Capital Markets Group.

Corinthians Genesis loan drew the ire of theConsumer Financial Defense Bureau (CFPB), which submitted a lawsuitlast yearover the company # 39; s allegedlypredatory personal loans. TheCFPB has led the wayblazed a trail in strongly pursuing for-profits about possiblepredatory financing.

Thefor-profitindustry # 39; s personal loan programs are commonly linked to the United States Department of Education # 39; sso-called 90/10 limit, which caps operating profits at 90 percentfrom federal sources. Companies had to discover the other 10 percent of revenue elsewhere, so someturned to students, who typically put on # 39; t have the extra dollars, Silber said.

The CFPB suedCorinthian forraising tuition prices so students would max out their federal loans and grants and have to comprise the balance through personal loans. The agencychargedITT. likewise, due to the institute # 39; s Temporary Credit loan, which had actually to be paid in full by the end of a student # 39; s academic year. However, in the suit versus that company last year, the CFPB specified ITT. was mindfulunderstood students would not be able to repay the funds filling the tuition gap. Corinthian rejected the allegations.ITT. called the grievance unfounded and specified that the loans were made by a third party.

Direct, private loans from for-profit institutions to students can be dangerous for colleges, Silbersaid, including that institutionsdont want to put their own balance sheets at danger and, as an outcome, some view it as a segment of the market that is best left to banks. Nowadays really couple of public companiesoffer personal loans and if they do they # 39; re limited, he stated.

The demographics of students at for-profits also make them naturally dangerous customers, Silbersaid.

Typically these kinds of students have a challenginga bumpy ride getting financing, he stated.

States Apply Pressure

Since 2011, Kentucky LawyerAttorney general of the united states Jack Conway has foughtfor-profit colleges on their practices. He # 39; s since been joined by 37 other states in efforts to hold those institutions liable, said Allison Martin, communications director with the lawyer basicattorney general of the united states # 39; s workplace.

State investigations ofseveral big for-profits are ongoing, including ITT. Tech, Education Management Corporation and Profession Education Corporation, Martin said in an e-mail.

Lobbyists who oppose exactly what they view as practices that hurt students are pleased to see states and lawyers generalpursuing these examinations against for-profits. Minnesota joinsa list that includes Kentucky, New york city and California in taking legal action against for-profits for misleading consumer practices.

Maggie Thompson, a project supervisor for Higher EdNot Financial obligation, a company that deals with American student loan debt, calls for-profits # 39; defense of why they provide private loansdisingenuous.

The reason students require loans on top of federal help is since [for-profit schools # 39; tuition is] astronomically costly in the first place, especially when compared to community colleges, she said.

It # 39; s false to compare for-profit tuition rates to community colleges due to the fact that only one is heavily subsidized by taxpayers, stated Nicole Elam, vice president of government relations and external affairs for ITT., describing neighborhood colleges.

At the height of the monetary crisis, students had problem getting financing to cover their college expenditures, which was where for-profits like ITT. stepped in to assistto assist fill the tuition space, Elam said.(Note: This paragraph has actually been altered from a previous variation to clarify the function of ITT # 39; s loan program.)

Every tool the attorneys basic find in their states to secure customers and weed out the bad for-profit stars is allowing the wholethe entire system, said David Bergeron, vice president of postsecondary education for the Center for American Development.

The institutions serving students well and helping students get good tasks so theyre able to pay their costs– those organizations aren’t going to require those loans or engage in abusive practices with students, Bergeron stated. Its completion of the abuse of for-profit schools.

But not all states are pressing forfurther for-profit enforcement. WisconsinGovernorScott Walker desires to eliminate the Wisconsin Educational Approval Board, which overseesfor-profits. Although the boarddoesn # 39; t straight supervise for-profitlending, it works withagencies in the state that do.

We # 39; re going in the opposite instructions of other states, said David Passes away, executive secretary for the EAB. We # 39;d be the only state without some sort of evaluative procedure for these organizations.

On the other hand, some for-profits are trying to enhance their track records after years of bad promotion, while also reacting topressure from the Obama administration and state lawyers generalchief law officers.

You go back a couple of years and you would have never seen for-profit schools offering trial enrollment periods to students so they can see if they # 39; re ready for an academic program they # 39; re thinking of going into or whether or not they # 39; ll find it of sufficient quality, Bergeron stated. Now it # 39; s extremely prevalent.

Bergeron stated he praises more enforcement and policy in the for-profit sector, specifically when its based upon something that can be efficiently determined like promissory notes.

Which ought to also be great news for for-profit colleges who do not wantwish to contend versus bad stars, he stated.

30 Apr

Commentary: HigherCollege Requirements Increased State Funding

An informed citizenry adds to an improved quality of life for all. At the college level, the cashthe cash to pay faculty and keep the lights on originates from tuition and charges, labor force and research grants, and state dollars. Nevertheless, state funds for the 8 institutions in the Nevada System of GreaterCollege lowered dramatically, by nearly 30 percent, throughout the Great Recession from a high of $683,818,577 in 2009 to $472,368,017 in 2013.

The NSHE Board of Regents has actually been required to increase tuition and charges because 2008 in order to partially offset the decline in state funds. In addition the Board increased faculty works, imposed professors and personnel wage cuts and furloughs, decreased administrative positions and costs, closed programs and decreased student support services in order to stabilize the budget. The Board continues to seek to efficiencies and institutional shared services to take full advantage of using its limited resources. In order to continue to develop the economy and graduate more students, Nevada needs to reinvest in higher education. This effort will unquestionably require tuition and charge boosts and an additional investment from the state.Nevadans expect

higher education to supply more teachers, workforce training and health care experts. This can be done, but at a rate. The Board has actually worked with the schools and staff to identify the expense of offering exactly what Nevadans have actually requested. It then authorized and submitted a sensible budget plan demand that could provide on expectations.In essence, education is a transfer of understanding to improve human capital– our biggest possession. Consistent with the Guv’s budget plan instructions for all state workers, the Board of Regents is seeking elimination of the six day per year furlough requirement, the additional funds needed for categorized wage step boosts, expert benefit costs, and other inflationary costs to ensure we remain competitive in attracting and keeping the finest and brightest professors and staff.As part of this investment in human capital, the Board asked for the following budget items, in concern order:

o$ 25 million for the state to begin to reinvest the losses to the instruction spending plans of the last 6 years, including

student support services, and campus operations and maintenance.o$5.0 million bridge funding for Terrific Basin College and Western Nevada to partially offset the unfavorable impact of the new financing formula for the rural colleges.o $0.7 million in Desert Research Institute bridge financing to partly balance out loss of state support throughout the change to a new entrepreneurial company

model.o $3.0 million for the William S. Boyd School of Law at UNLV to balance out declining applications and enrollments.The Board has established a detailed and aggressive strategyprepare for expanding public medical education. The request for the biennium consists of: o$31.7 million to establish a brand-new medical school in Las Vegas and the expansion of the University of Nevada, Reno, School of Medication o$9.9 million to support improvement of medical residencies o $4.3 million one time

financing for Medical Education Technology In addition, the Board has actually supported the following legislative initiatives: o$ 10 million Knowledge Fund o$ 6 million Labor force Development Fund o $3.5 million

Stem Obstacle Grant Program o$ 10 million state supported requirement based

financial aid program Raising tuition and costs by 4 percent was not an easy choice. The

Board, with strong student support,

chose it was a needed step. The students

and their families are paying more and have skin in

the game. Governor Sandoval put together a spending plan proposition that gets the

state reinvesting in greater education. It is time for Nevadans to call their lawmakers and motivate them to construct upon that spending plan and totally buy greatercollege.

29 Apr

Student Loan Repayment Bleak For Long-Term Debtors, Fed Says

Students and their moms and dads secure loans to pay for the ever-rising expense of college and graduate school. The increase in the overall quantity of financial obligation reflects brand-new customers, higher balances and slower repayment. While the variety of active borrowers is decreasing, the aggregate exceptional balance continues to grow since fewer are actively paying their loans.

“In spite of thinking of student loans as young personsyoung adults’ financial obligation, by 2014, two-thirds of all balances were owed by people over 30,” Andrew Haughwout, an economist and senior vice president, stated at a presentation at the New York Fed.

The report reveals a bleaker outlook for the status of student loans than the Education Department does. The company publishes default rates three years after a student surfaces or leaves of a program.

The most recent rate was 13.7 percent for loans come from by the government, and incorporated borrowers who would have begun paying in 2011.

The New York Fed assesses a sample of data offered by the Equifax Inc. credit bureau and takes a look at both federal and private loans.

28 Apr

UNO Student Informs Legislature: ‘Higher Education Is Being Given Up’

BATON ROUGE – The deals with were various and the names of the institution of higher learnings varied, however the message was the very same when one college student after another resolved the Residenceyour house Appropriations Committee on Wednesday.The state is facing a $1.6 billion deficit in its spending plan for the upcoming year. Estimates have more than $600 million coming from higher education to plug the hole. University presidents have called the proposed cuts devastating.We are your future.The states concerns require to be adjusted.Increase, not cut

funding for greater education.Those were simply a few of the arguments made by students to the committee charged with appropriating funds from the states revenues.We are presently in worry and anger, University of New Orleans student David Teichel stated.

We are afraidhesitate of the unidentified that is quickly barreling at us.Teichel stated the state is not measuring up to its end of the bargain to make sure that students have access to an affordable education.Many students pointed out the amount of cash being provided to businesses in the formthrough exemptions and rewards while the universities that provide their workers are repeatedly cut.While they are being subsidized, highercollege is being given up on the altar of business America, UNO student Ben Aleshire said.Committee member John Schroder, R-Covington, addressed Aleshires concerns. Ive yet to see a member of the company neighborhood been available in here with an option to this issue, he said. We are third in the country in

giveaways.Schroder stated that while the businessbusiness community speaks in favor of education, not one is going to offer up a percentage of their exemption.What solution would the businessbusiness community have? he asked. We know exactly what the option is, but do we have the fortitude to do it?Louisiana State University at Alexandria student Jesse Elliott told the committee about lost teachers whove left for other states due to the fact that of the workload.The state needshas to focus on the needs of these students and acknowledge the capacity in us and the indispensability of these institutions, Elliott stated. We are

the future of the state. If we are not allowed to become that, we have actually no future.Theyve been asking us to do more with less, and weve done that, Grambling University student Erik Johnson stated.

Now, theyre asking us to do more with nothing.Rep. Bubba Chaney said fixing the funding circumstance for highercollege is going to need buy in from a lot of various sources.Its not how it begins out that matters, he said. However the guvs spending plan is not the way its going to wind up.