Cory Booker: ?Mark Zuckerberg Is An American Hero?

IMG_9308When discussing social media and how he uses it for his political work as mayor of Newark, New Jersey, Cory Booker called out Facebook CEO Mark Zuckberg as an "American Hero" for his work on connecting the world.

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Are Student Loans Better Than Credit Cards? | NEW COUNTRY ...

Title:

Word Count:
425

Summary:
College students often use credit cards as a way to pay for expenses at school. Instead of applying for an adequate student loan, too many students get caught up in the idea that they are solving their problems with credit cards, when instead they are creating a financial nightmare for themselves.

Keywords:
Student Loans, Student Loan Consolidation, Federal Student Loans, Federal Direct Loans, Federal Student Loan, Federal Loan Consolidation, Student Loan Information, Educational Financing

Article Body:
When applying for student loans, its so important for prospective college students to calculate their finances as best they can to receive the appropriate funding. From tuition and books to room and board, living expenses and food, students should make sure to secure the funds they actually will need to get them through each semester at college.

By applying for the correct amount, students wont find themselves in a bind or get themselves into a credit card nightmare.

Way too many college students these days get into big trouble with credit cards. Its unfortunate that students too inexperienced to know better receive enticing credit card offers in the mail. Usually when a credit card offer looms over a student, its like dangling a carrot in front of a rabbit. The student grabs the credit card offer without thinking ahead. Credit cards oftentimes appear to be a quick fix or a type of free money, and they then become the remedy students think they need.

Student Loans versus Credit Cards

If anything, its the opposite. Like student loans, credit card debt must be paid back. Theres a huge difference though. Student loans usually are taken out with fixed interest rates, depending on the type of loan and a students credit rating, amount of loan, repayment terms, etc.

However, theres usually a catch when students receive those amazing credit card offers. The catch is sky-high finance charges, some as high as 22 percent! However, oftentimes students dont think about the finance charges when they accept the credit card offers. Its kind of like, Ill think about that later.

Some students who havent taken out enough student loans to cover their college expenses resort to credit cards to pay for necessities, books and even rent! Theyll use their credit cards to take out cash advances, which usually have even higher finance charges than by simply charging.

Never-ending Cycle of Debt

There are students who accept more than one credit card offer. After hitting the limit on one credit card, its easy to accept another and then another, and so on. With the high interest rates and finance charges attached to these credit card offers, students easily can rake up more than they bargain for. When students pay off credit cards by only paying minimum monthly payments, they are making their financial situation worse. Finance charges accrue month after month. It could take almost a lifetime to pay off the credit card bills.

Source: http://newcountrymag.com/18922/are-student-loans-better-than-credit-cards/

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Meet My Moderatrix (A booQfest update) ? Steve Emmett

?

On 16th September, as most of you will now be aware, I am appearing at the Northampton booQfest. I?ll be talking about horror, reading from Diavolino, answering questions and signing books. The moderatrix is my friend and fellow horror author Julia Kavan. With just a week to go I thought it would be a good time to drag her in here so that you can get to know her a little bit.

?

Be afraid, very afraid: Moderatrix

S: Welcome, Julia. I was pleasantly surprised to hear that you had been chosen to crack the whip at my event at booQfest. How did you pull this off?
J: I originally approached Morgen Bailey when I heard about booQfest, to offer my help with either promoting the event or perhaps doing something practical at the booQfest itself, as Northampton isn?t too far away from where I live. I also mentioned I?d be stopping by to hear you speak? ?a few days later Daniel Burrows contacted me with the idea of me moderating your session. So, I was just as surprised to be asked as you were to find I was the one assigned to keep in you in line?erm, I mean moderate your session. (Where did I put that whip?)

S: That?ll teach you! I feel honoured to have been asked to speak at this event, especially with so many well-known writers about the place. To tell the truth, my nerves are starting to surface. I?m not quite horrified, but I can sense traces of mild terror. Are you all cool, calm and collected, ready to put down any daring hecklers?
J: As an experienced tutor I am used to speaking in front of people? although it?s been a while since I?ve done so as I?ve been concentrating on my own writing over the last couple of years. I?m certain that the audience will be friendly.

S: I?ll hold you to that. The Festival celebrates gay and lesbian authors (local and national) and their writing. This years? booQfest is also reaching out to a wider audience so that other local writers can use it as a platform to publicise their work even if they do not directly identify with the LGBT community. Do you think there are enough opportunities nationwide for new or local or niche writers to showcase themselves and their work? If not, what would you like to see taking place?
J: I think the number of literary events created by writers themselves is growing. I?ve seen more events advertised recently than I remember seeing for a long time ? after all, the whole point of writing for most authors is for others to read their work or hear/see it performed. In fact I?ve just seen that someone is already arranging a poetry festival in my home city for next year. I don?t think I will be inflicting my poetry on any poor audience, however? it takes horror to a whole new level.

?

I do think it?s a shame that larger bookshops no longer seem to want to support new and local authors ? which is counter-productive, really ? anything that brings customers in to the shop to buy books is surely a good thing (isn?t it?), and they are seen to be supporting new writers? and this week?s new writer could be next months big thing ? but they have to be able to get their books seen. Luckily we have a great independent bookshop near to where I live which puts on regular readings and talks featuring both well known and local authors. With agents unwilling to take as many risks on new writers, wanting only to take on those they see as likely to achieve high sales (and fair enough it is a business they are running? but what happened to the idea of nurturing new talent?) writers are finding other ways to publish and get their stories out there. The literary landscape is changing? I wonder if the tremors started by writers being able to self-publish e-books will at some point develop into a full-blown earthquake.

S: We are certainly living in interesting times, I agree. I imagine that you?re going to kick-off the Q and A session with some probing of your own. What sort of things are you hoping to drag out of me and lay bare for the public?
J: Oh?as if I?d give you an inkling of what I?m going to ask! Where?s the fun in that? But I like to know how people tick?what makes their hearts beat faster?

S: Depends what sort of tick you mean, I suppose. I doubt it?s a big secret that, as moderatrix, you know more or less what I am going to talk about. So, without giving the game away, what would you say my theme is? In other words, if someone is looking at this and wondering whether to come or not, how would you persuade them?
J: Writers are often advised to ?write what you know? ? some readers hearing that piece of wisdom might then look askance at the author of a horror novel, wondering if what they write is how they really think, but, in my view, there is far more to horror than gore, violence and the ability to scare a reader. There?s history and tradition.? I like new horror writers who find ways to blend the old with the new. Diavolino does this in great style and this in an opportunity to discover how.

S: *blushes* Sunday 16th is by its nature going to be about me, but you write extremely taught scary stuff yourself. Why don?t you tell my readers something about yourself, your stories and where they can find you?
J: I grew up reading horror stories and a lot of sci-fi. I also read a lot of non-fiction ? Fortean Times, Erik von D?niken, and magazines like Man, Myth and Magic (that might give away my age ? erm ? they were old, dusty copies J ). I exhausted the local library?s supply of supernatural reference books very quickly ? I was fascinated by anything ?otherworldly?. As a teenager I started writing my own horror (not sure it was terribly horrific ? more like the dark ramblings of a moody teen), but back then I had no thought of trying to get published ? it was just for the fun of playing with words. I returned to writing horror about 12 years ago, again for fun at first, but then I signed up to a creative writing course and started writing a novel. This was followed by a couple of screenplays as well as short stories in between. I still didn?t start submitting to publishers as I found myself teaching a creative writing course for my local college, as well as starting up a writing group for teenagers ? and my time was taken up by that. Sometimes the path to where you want to be can be long and winding! Now I mostly write short stories, but I have a novel which is now being submitted to agents and publishers, and I am just starting work on another. I still write horror and suspense ? I guess I?m just happiest in the dark. To find out more about me and my writing drop in at www.juliakavan.com

?

S: We have a super venue for the event and I?m looking forward to it, despite the nerves. I need to find where to park the car but tell me, are you coming on your broomstick?
J: Tsk, broomsticks are so yesterday, Steve. Bilocation is the way to go now ? you can achieve twice as much in the same time. The question is, which version of me are you going to get on the day? the evil one or the nice one? ?Hmmm, doppelg?nger story comes to mind?

Steve: Two of you? Now that?s an horrific thought if ever there was.

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Source: http://steve-emmett.com/2012/09/08/meet-my-moderatrix-a-booqfest-update/

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'Ear stones' give history of young fish

Where do young fish hang out? Consult their ear stones.

Also known as otoliths, ear stones help fish orient themselves. As a fish grows, it takes minerals such as calcium from its environment and incorporates them into its otoliths in a series of layers. These layers contain information about where the fish was at different times in its life, because the mineral makeup of each location is unique.

By analyzing the mineral content of fish ear stones and matching it to different locations in the Red Sea off the coast of Saudi Arabia, researchers created a life history of various fish, reconstructing where they migrated to and when.

The results, published Sept. 3 in the journal Proceedings of the National Academy of Sciences, surprised the study authors. For one, young fish traveled much farther than expected between spawning grounds and reefs.

  1. Science news from NBCNews.com

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      Science editor Alan Boyle's blog: If only there were a graphic novel that could guide you around the frontiers of physics! Hey, there is!

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"We found that coral reef fish made remarkable long-distance migrations from coastal wetlands across deep open water ? long considered a hard migration barrier for coral reef fish ? to offshore reefs," said Kelton McMahon, a researcher at the Woods Hole Oceanographic Institution (WHOI), in a statement.

Some fish also grew up in areas where they hadn't previously been detected, according to the WHOI release. For example, the study found that a fish called Ehrenberg?s snapper is able to settle directly onto coral reefs, despite the fact that in several years of regular work in this area, the researchers never saw them there.

The research shows that juvenile fish are surprisingly versatile. But it also reveals that far-flung habitats are vital for replenishing the reef, made possible by long migrations.

The implication is that it isn't enough to protect adult habitat on coral reefs; habitats that supply those reefs and the migration corridors between them also need protection. ?

"It won't work to protect the reef but, for example, allow a hotel to be built on the seagrass beds and mangroves," said WHOI biologist Simon Thorrold in the statement.

Follow OurAmazingPlanet on Twitter @OAPlanet. We're also on Facebook? and Google+.

Source: http://www.msnbc.msn.com/id/48941467/ns/technology_and_science-science/

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The Photography X Factor High 70, Arts & Entertainment

CelebTV.com - Britney and Jason Reveal How Romance Began

CelebTV.com - Britney and Jason Reveal How Romance Began

CelebTV.com Jason Trawick admits it was Britney Spears who made the first move! Plus, check out how fab The X Factor judge looks in Elle mag's cover shoot.
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CelebTV.com - Britney Spears Shares New Bikini Pic

CelebTV.com - Britney Spears Shares New Bikini Pic

CelebTV.com The X Factor judge shows off her tanned and toned figure as she enjoys the last days of summer.
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Pause/Play - Episode 33 - Cool, Funny Works of Art

Pause/Play - Episode 33 - Cool, Funny Works of Art

Todd gets some help to create his own Rob Riggle-inspired PSA's for the release of 21 Jump Street to DVD and Blu-ray next week. Todd also breaks down the latest in DVD, Blu-ray & Netflix Instant Stream this week.
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D-Generation X Vs. Legacy (Ted Dibiase & Cody Rhodes) Hell In A Cell 2009 Full Match

D-Generation X Vs. Legacy (Ted Dibiase & Cody Rhodes) Hell In A Cell 2009 Full Match

D-Generation X vs. Legacy (Ted Dibiase & Cody Rhodes) Hell In A Cell 2009 Full Match
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Motion Capture Preview for X-Men: First Class

Motion Capture Preview for X-Men: First Class

A preview of DVD features for the home entertainment release of X-Men: First Class.
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SDCC - Matt Zaller Interviews Stan Lee

SDCC - Matt Zaller Interviews Stan Lee

Stan Lee knows nothing about video games, but Matt Zaller is going to ask him anyway. It's San Diego Comic Con afterall. Host: Matt Zaller Producer: Lulu Richter Video Production: Rich Montalvo, Max Tapia
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Nirmitee's 'Haal Kaisa Hai' Gets Standing Ovation - X Factor India - Episode 10 - 17 June 2011

Nirmitee's 'Haal Kaisa Hai' Gets Standing Ovation - X Factor India - Episode 10 - 17 June 2011

Nirmitee group performs the song Haal Kaisa Hai Janaab Ka. Full of energy, colours and newness; Nirmitee present their version of this Kishore Kumar and Asha Bhosle hit from the movie Chalti Ka Naam Gaadi (1958). X FACTOR INDIA -- is the big daddy of all music shows in scale and size. With versions in 24 countries and a unique format that gives contestants the chance to showcase their talent regardless of the age. A singing show with a unique format that gives everyone a chance to showcase their talent. Open to all citizens of India over the age of 16, the auditions will be divided into 3 categories, viz. 16-25 years, 25 & above and individual groups. Participants that make through the final selection will then be divided into three groups with each group headed by a mentor. Of this lot, the top 12 will be selected to participate in the Galas and prove their mettle to the entire nation Hosted by the multi-talented Aditya Narayan & judged by the stalwarts of the Indian Film Industry Sonu Nigam, Shreya Ghoshal & Sanjay Leela Bhansali, the show premiered on 29th May 2011 on Sony Entertainment Television. Sonu Nigam: He is a highly successful actor, singer and anchor. Having spun numbers like Mera Rang De Basanti Chola, Dil Dooba and Kal Ho Na Ho among numerous others, this versatile performer has won many accolades and is now all set to mesmerize the nation with his role as a judge in X FACTOR INDIA . Sanjay Leela Bhansali: Needless to say, one of India's greatest film makers having moved hearts right from his first film, Khamoshi -- The Musical to Hum Dil Chuke Sanam to Guzaarish, this producer, writer, director and recently turned musician has received several accolades for his creativity abilities. As one of the judges for X FACTOR INDIA' Sanjay has vowed to pick only the best. Shreya Ghoshal: For Shreya life has come full circle, from a being a contestant on a reality show to being the judge on the biggest music reality show on Indian television. This gifted singer's first film "Devdas" not only saw her getting a Filmfare 'RD. Burman Award for New Music Talent' but also the 'best female playback singer' award. After lending her voice in more than 180 films and receiving four National Film Awards, she is all set to win hearts in her new avatar as a judge in X FACTOR INDIA.
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Metacafe's Film School: Keepin' It on the Down Low

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Tyler the Creator X Diamond Supply X Taco X Odd Future

Tyler the Creator X Diamond Supply X Taco X Odd Future

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University of Hawaii Board of Regents to create oversight committee

The University of Hawaii Board of Regents has approved plans to create a committee to monitor the university?s oversight and other practices.

It is being called the Operational and Financial Controls Improvement Advisory Task Force. It will consist of five regents and four business professionals, including auditing and accounting people, university officials said in a statement.

The formation of the committee comes after the UH Athletics Department was bilked out of about $200,000 when it tried to arrange a Stevie Wonder concert on the campus. That money has since disappeared.

?The fiscal and management oversight and responsibility for the University of Hawaii rests with us,? Board of Regents Chairman Eric Martinson said in the statement. ?The regents agree, we need to examine our fiscal and operational polities and exercise our fiduciary responsibility to put in place effective measures.?

Martinson also noted that state legislators are calling for an investigation into the failed concert.

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Quora Arrives on Android, Complete With Voice Search, Widgets And A Deep Search Integration

question_1After a long wait, Quora just arrived on Android today. The knowledge-sharing site from Facebook's first chief technology officer Adam D'Angelo and early Facebooker Charlie Cheever sees about a quarter of its traffic coming through mobile devices.?So like for so many consumer-facing startups, having a first-class mobile experience is becoming more important than ever. "The thinking is that this ratio is only going to go up from here," Cheever said. "A lot of people are going to be almost exclusively using mobile devices to access content, so we want to be on top of that."

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Youth Fall Sports With Ridgewood Parks & Rec | Tips From Town

Ridgewood Parks & Recreation has lots of fall sports programs for kids of all ages. Here are some of their offerings:

Sport Squirts for Preschoolers ? This five-week program begins on Wednesday, Sept. 19 and is held at Vets Field. A number of times are available. It introduces children to five different sports. Sign-up is through www.ridgewoodnj.net/communitypass. The cost is $105.

T-Ball for Preschoolers ? This five-week program begins on Thursday, Sept. 20 and is held at Vets Field as well. A number of times are available. It focuses on all aspects of baseball/softball.?Sign-up is through www.ridgewoodnj.net/communitypass. The cost is $105.

Tennis Instruction With All-Pro Tennis?- Classes begin this week. Small group ratios by age and experience. For more info, please visit www.ridgewoodnj.net/recreation.

Jr. Wrestling ? This program is for grades 2-8. Practice will begin in November. Visit www.ridgewoodwrestling.org for more info or to register.

Roller Hockey ? Programs available for grades kindergarten through high school. Visit www.ridgewoodhockey.com for all the details.

Family Editor, TipsFromTown.com

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