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Tuesday, August 13, 2019

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Monday, August 12, 2019

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Buying a life insurance policy may be one of the biggest financial decisions you will ever make in your life. The university was already working to improve reporting practices when the Education Department contacted it in May, concerned that a local uptick in crime was not reflected in the school’s annual safety report.

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Rep. Bobby Scott, a Virginia Democrat who is chairman of the House education committee, said DeVos’ decision granted only partial loan forgiveness to the 1,500 borrowers and fell “well short” of what they deserved.
“For the vast majority of defrauded students, this announcement cancels only a small portion of the loans they took out to attend a failing school,” Scott said. “These students will continue to face an uphill battle to repay those loans without the benefit of a quality degree.”
The department did not immediately respond to Scott’s comment.

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Before the federal review, Texas State was already taking steps to improve compliance, Trauth said in her letter Thursday. The school recently hired University Police Chief Laurie Clouse, who has extensive experience in Clery compliance. Clouse formed an internal Clery Compliance Committee that first met in March and continues to meet monthly.

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It is worth noting that most life insurance policies have a two-year contestability period, during which the insuring company has the right to cancel the policy if it discovers that you have misrepresented any information on your application. After the two years, the insurer will not be able to cancel but will still be able to make adjustments to the policy if you have indeed presented wrong information.

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Earlier this year, it was revealed that Texas State officials had significantly underreported the number of sexual assaults on its flagship campus in San Marcos. Recently revised crime statistics for 2016 and 2017 show 38 incidents of rape and one other incident of statutory rape — nearly five times more than previously reported.
The university was already working to improve reporting practices when the Education Department contacted it in May, concerned that a local uptick in crime was not reflected in the school’s annual safety report.

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Students of former Dream Center schools sued DeVos on Oct. 22, demanding loan forgiveness and other measures that DeVos largely agreed to in her Friday announcement. Student Defense, a Washington advocacy group that helped file the suit, celebrated the news as a victory.
“At long last, the department is taking action to cancel the illegal debt that it issued for students who were ripped off by the Dream Center,” said Eric Rothschild, the group’s litigation director. He added that the group would continue its suit to make sure borrowers got the full relief they deserved.
Rep. Bobby Scott, a Virginia Democrat who is chairman of the House education committee, said DeVos’ decision granted only partial loan forgiveness to the 1,500 borrowers and fell “well short” of what they deserved.

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At the same time, House Democrats are threatening to compel DeVos to appear at a hearing and explain why her agency has failed to provide loan forgiveness that was previously promised to thousands of former Corinthian students. DeVos has declined requests to face the House’s education committee and on Thursday suggested a private meeting with Scott.


Disclaimer: Our service is not intended to be, nor should it be construed as financial advice. We help our readers make informed decisions via impartial information and guides. Where appropriate, we may introduce partner companies who can provide services relating to financial products.




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Before the federal review, Texas State was already taking steps to improve compliance, Trauth said in her letter Thursday. The school recently hired University Police Chief Laurie Clouse, who has extensive experience in Clery compliance. Clouse formed an internal Clery Compliance Committee that first met in March and continues to meet monthly.
"As we continue through this review, I will keep you informed of the progress and outcomes," Trauth said. "Our guiding priorities at Texas State are the safety, security and well-being of our university community. Through this process, we will continue to examine ways we can fulfill that goal."

If you are someone with a pre-existing condition, or if (god forbid) something were to happen to you that required emergency treatment or an operation, you would want to know that you are going to be covered by a plan that suits you. "We have been preparing for this possible next step in the process and are fully cooperating with the department’s program review team to continue to improve campus safety and Clery compliance," Trauth wrote, referring to the Clery Act, a federal law requiring universities to disclose annual crime statistics.
Earlier this year, it was revealed that Texas State officials had significantly underreported the number of sexual assaults on its flagship campus in San Marcos. Recently revised crime statistics for 2016 and 2017 show 38 incidents of rape and one other incident of statutory rape — nearly five times more than previously reported.
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It's always good to arrive at a callback early. As often happens at an initial audition, you never know if they may start early. Being there ahead of time allows you to check in, get settled, and look over your callback material again. Everyone handles nerves differently at callbacks. I have some friends who feel best when they can talk with other actors there and share some laughs to get rid of stress. Other friends, myself included, feel better in an isolated area where they're able to be by themselves and focus. Both are perfectly fine! At the end of the day, it's about being polite, professional, and bringing your A game. As far as dress, I always think it's good to wear your initial audition outfit because it helps the director match the outfit/color to your individual audition.

Like any insurance plan, you should take your time before signing up. Shop around and do your research to ensure you are getting the right insurance policy at the best possible price. Make sure the policy covers your current and future needs and read through the small print to be aware of any loopholes the insurance company might use to refuse a claim. In the post “The Surprising Key to Rethinking Gender—It Has Never Been What We Thought It Was,” I made related observations with regard to our past experience of gender. I described how our thinking in terms of “opposite sexes” is similarly more a product of projection than what has, in fact, been the case. I offered that in truth, we have always been more similar than we might imagine, being careful to distinguish this observation from the common postmodern/academic claim that any differences we do find must be based only on conditioning. A culturally mature perspective affirms real differences, but it makes clear that these differences are normative and that there is great individual variation. An essential consequence of stepping beyond the past’s polarized picture of gender is that it makes possible much greater appreciation both for commonalities and the unique challenges that come with being embodied as a man or a woman. 

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Romeo and Juliet-style love is not really love based on individual choice as we have imagined it, but a kind of two-halves-make-a whole connecting where projection plays a central role in the felt experience of magnetism. I also describe how Cultural Maturity’s changes make possible a new, more complete, more whole-person kind of love and argue that rewarding love going forward will depend increasingly on realizing it in our lives.

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Home insurance is a type of insurance policy that provides cover for your home and your personal possessions. A culturally mature perspective affirms real differences, but it makes clear that these differences are normative and that there is great individual variation. An essential consequence of stepping beyond the past’s polarized picture of gender is that it makes possible much greater appreciation both for commonalities and the unique challenges that come with being embodied as a man or a woman. 

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  • The Dream Center collapse has also attracted attention from Democrats. In an Oct. 22 letter, Scott threatened to subpoena the agency for records detailing its role in the chain’s closure. Documents released by Democrats suggested that the department provided nearly $11 million in student aid to the Illinois and Colorado schools even though officials knew their accreditation had been revoked.
    The department later granted the two campuses temporary status as nonprofit institutions, which exempted them from certain rules and restored their eligibility for federal funding. The suit brought by former Dream Center students said that move was an attempt “to unlawfully fix and conceal its earlier misconduct.”


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Saturday, August 10, 2019

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The decision involves schools owned by the Dream Center company, which collapsed last year and shuttered campuses across the nation, following several other major for-profit college operators that have failed in recent years.
DeVos has faced mounting criticism over her handling of federal loan forgiveness programs. The programs were expanded by the Obama administration after the collapse of the Corinthian Colleges, which was accused of lying to students to get them to enroll.

Under DeVos, the Education Department has stopped processing claims from students who say they’ve been defrauded by their schools, leaving tens of thousands of borrowers in limbo as they seek loan cancellations. DeVos has also moved to tighten eligibility rules, prompting backlash from Democrats and a flurry of lawsuits from students and advocacy groups.



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In the latest case, a federal lawsuit against the Education Department said the department illegally released federal student aid to the Colorado and Illinois schools even after the schools lost their accreditor’s seal of approval. Losing approval should have made the schools ineligible for funding, the suit says, but instead they were allowed to keep operating without telling students that the institutions were in trouble.
But on Friday, the department shifted blame to the accrediting group, the Higher Learning Commission, saying it assigned the schools a “newly developed and improperly defined accreditation status.” The department said it believed the schools should not have lost their accreditation and that, by revoking it, the accreditor left students with tarnished credits that might not be accepted by other schools
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Friday, August 9, 2019

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With the ACC all but absent from the Playoff rankings, Wake Forest is the closest thing there is to a challenger for Clemson. It would actually help the Tigers if the Demon Deacons were still ranked when they square off a week from now – assuming Clemson handles its end of things at North Carolina State. But first Wake must get by the Hokies, who missed an opportunity for a quality win for the league last week at Notre Dame but still have a path to the Coastal Division title.



Deacons QB Jamie Newman returned from a shoulder injury and turned in a dominant performance against the aforementioned N.C. State squad last week. The Hokies could be more difficult to solve, thanks to playmakers like LB Rayshard Ashby and S Divine Deablo. But the offensive side has been more problematic for Virginia Tech, with freshman Quincy Patterson pressed into service at quarterback due to injuries. He’s a dangerous runner, but Wake S Amari Henderson will be ready to pounce if his passing accuracy doesn’t improve.


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Health Officials Claim Breakthrough on Vaping Illness Culprit

Health officials have identified a possible culprit behind the spate of vaping-related illnesses that have sickened thousands: vitamin E acetate.
The chemical—used as an additive or thickening agent in some vaping products—turned up in every sample of lung fluid collected from 29 patients with vaping-related illness, the Centers for Disease Control and Prevention reported Friday. While vitamin E acetate is used in supplements and skin creams and does not seem to cause harm when swallowed or used topically, previous research suggests that inhaling vitamin E acetate might impair people’s lung function.
The finding marks a significant development in an investigation that has left federal and local health officials scrambling to find a cause as the number of vaping illnesses recorded nationally has continued to climb. Health officials said that the findings need to be confirmed, including through animal studies, and that it’s too soon to rule out other possible causes.
“These new findings are significant because for the first time, we have detected a potential toxin of concern—vitamin E acetate—in biologic samples,” said Anne Schuchat, principal deputy director of the CDC. But, she added, “there’s more work to do.”
There have been 2,051 confirmed and probable cases of the illnesses, dubbed EVALI, across 49 states, Washington, D.C., and the U.S. Virgin Islands. There have been 40 deaths tied to the outbreak, which is believed to have started earlier this year.
“The trend in cases appears to be downward, but we understand that some states are still hard hit and this continues to be a very active investigation,” Schuchat said.
The latest samples were collected through a process in which fluid is pushed into the lungs and then collected for analysis. Lab testing found THC, the ingredient that gives marijuana users a high, in 23 of 28 patient samples—including those from three patients who said they hadn’t vaped THC products. The CDC said the lack of THC in five of those samples does not definitively indicate the patients didn’t use the drug, because THC can be difficult to detect in samples taken from lungs.
The testing also detected nicotine in 16 of 26 samples. (When there wasn’t enough liquid to run every analysis, labs prioritized tests for cannabinoids and vitamin E acetate.) Researchers also looked for other potentially harmful additives during the testing—such as plant oils—but didn’t find notable levels of any in the patient samples.
It isn’t clear how widespread the use of vitamin E acetate is in e-cigarette and vaping products. Schuchat said the substance might be unintentionally introduced to vaping products or intentionally added to dilute vaping liquids and cut down on the amount of THC added to a product.
Health officials continue to urge the public to avoid vaping and in particular, to avoid products that contain THC or that were purchased from informal sources.
Republished with permission from STAT. This article originally appeared on November 8 2019





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One of this week’s clashes of unbeatens was perhaps expected. This one, however, was almost certainly not anticipated by even the most dedicated observers of the sport when the campaign began. The Nittany Lions, of course, are frequent visitors to the top 10 and are accustomed to competing for and occasionally winning the Big Ten. The Golden Gophers, on the other hand, are rowing their boat into uncharted waters at 8-0 for the first time since 1941. Key contests remain for both teams in their respective divisions, but a win here would be quite meaningful.
After squeaking by with victory margins of seven points or fewer in their first four outings, the Gophers have prevailed by increasingly more convincing scores. But now QB Tanner Morgan and RB Rodney Smith face a more accomplished defense than they’ve yet encountered in the early portion of their league schedule. Nittany Lions LBs Micah Parsons and Cam Brown lead a ground defense that allows less than 2 yards per rushing attempt, which could put a damper on the Gophers’ bread-and-butter zone read plays. PSU QB Sean Clifford has grown more comfortable running the attack, and WR K.J. Hamler has added a needed big-play element. But they must beware of DB Antoine Winfield Jr., the mainstay of the Minnesota secondary who has swiped five passes and made 33 solo tackles.
NOT CHANGING: Opinion: P.J. Fleck won't compromise his unique style as he leads Minnesota to rare heights
Iowa State at No. 8 Oklahoma
Saturday, 8 p.m. ET, Fox
The Sooners were last seen nearly pulling off a huge comeback but falling short at Kansas State two weeks ago. They return home to take on the Cyclones, who were a popular choice as a potential Big 12 sleeper at the start of the season. Iowa State has flashed a bit more of that potential after a slow start, so the Sooners must bounce back quickly to avoid a fatal blow to their Playoff hopes.


Both teams feature top-five scoring offenses averaging over 46 points per game. They probably won’t quite put up those numbers, but they’ll almost certainly exceed the 9-6 final result when they last met as the nation’s two top-ranked teams in 2011. The defensive units aren’t as airtight as we’ve seen from these programs in recent years, and the dazzling array of receiving threats on both sides should make their share of big plays. Alabama QB Tua Tagovailoa will in all likelihood be ready to go. His arsenal includes four targets with at least 21 catches, led by Jerry Jeudy (52) and DeVonta Smith (43). Derek Stingley Jr., the Tigers’ excellent freshman cover corner, can only match up against one of those guys at a time. S Grant Delpit can help a bit, but the entire secondary must count on DE Breiden Fehoko to get after Tagovailoa. LSU QB Joe Burrow’s primary weapons are WRs Justin Jefferson and Ja’Marr Chase, and the unit got a boost with the return of Terrace Marshall in the victory against Auburn. Crimson Tide S Xavier McKinney does a good job keeping big plays to a minimum, but DE Raekwon Davis and LB Anfernee Jennings will try to disrupt the timing from the outset.
STAFF PICKS: LSU-Alabama showdown and Big Ten clashes on schedule
INJURY UPDATE: Alabama's Saban says there's 'good chance' Tagovailoa plays
PLAYOFF DEBATE: Clemson shouldn't be too worried about No. 5 spot, yet 
No. 5 Penn State at No. 13 Minnesota
Saturday, noon ET, ABC
One of this week’s clashes of unbeatens was perhaps expected. This one, however, was almost certainly not anticipated by even the most dedicated observers of the sport when the campaign began. The Nittany Lions, of course, are frequent visitors to the top 10 and are accustomed to competing for and occasionally winning the Big Ten. The Golden Gophers, on the other hand, are rowing their boat into uncharted waters at 8-0 for the first time since 1941. Key contests remain for both teams in their respective divisions, but a win here would be quite meaningful.
After squeaking by with victory margins of seven points or fewer in their first four outings, the Gophers have prevailed by increasingly more convincing scores. But now QB Tanner Morgan and RB Rodney Smith face a more accomplished defense than they’ve yet encountered in the early portion of their league schedule. Nittany Lions LBs Micah Parsons and Cam Brown lead a ground defense that allows less than 2 yards per rushing attempt, which could put a damper on the Gophers’ bread-and-butter zone read plays. PSU QB Sean Clifford has grown more comfortable running the attack, and WR K.J. Hamler has added a needed big-play element. But they must beware of DB Antoine Winfield Jr., the mainstay of the Minnesota secondary who has swiped five passes and made 33 solo tackles.
NOT CHANGING: Opinion: P.J. Fleck won't compromise his unique style as he leads Minnesota to rare heights
Iowa State at No. 8 Oklahoma
Saturday, 8 p.m. ET, Fox
The Sooners were last seen nearly pulling off a huge comeback but falling short at Kansas State two weeks ago. They return home to take on the Cyclones, who were a popular choice as a potential Big 12 sleeper at the start of the season. Iowa State has flashed a bit more of that potential after a slow start, so the Sooners must bounce back quickly to avoid a fatal blow to their Playoff hopes.