A New Spin on Trapping Ocean Trash

2015-01-29-DonWillmott.jpgBy Don Willmott

Water and plastic don’t mix, and anyone who has read a terrifying article or two about “The Great Pacific Garbage Patch” knows that addressing what seem to be the impossibly huge issues of getting a billion tons of plastic out of our oceans–and preventing the nearly 300 million tons of plastic the world produces annually from polluting them in the first place–will take an effort on a global scale.

Potential solutions come in both micro and macro sizes. To see something bordering on the adorable, head to Baltimore’s Inner Harbor, where a solar-powered device called the Trash Wheel slowly devours floating debris before it can make its way to the Chesapeake Bay. In operation since May, the contraption, which looks like something out of a Terry Gilliam movie, uses nets and a conveyor belt to scoop up to 25 tons of trash daily and deposit it in a floating dumpster. Among its catch to date: 40,000 grocery bags, 84,000 plastic bottles, and 4.2 million cigarette butts.

2015-01-31-waterwheel1.jpg
The Trash Wheel is designed to scoop up debris before it can make it out to sea.

You can see the Trash Wheel in action on YouTube (where it shows off its ability to grab logs and tires) and even follow it on Twitter. Part useful tool and part PR effort, it’s a great idea that’s well worth deploying in other locations where tight tributaries make their way to the sea in front of appreciative audiences who will gain a new understanding of the problem.

A similar idea is on the drawing board in the Netherlands, where garbage grabbing devices will recover trash that planners hope to convert into building blocks that can be used to build urban farms in parks or put underwater as shelter for fish, shellfish and other marine life.

2015-01-31-easterisland1.jpgOut in the open ocean, the plastic problem is daunting to say the least. Plastic doesn’t biodegrade for centuries, but it does photodegrade, becoming brittle and breaking down into smaller and smaller pieces until the fragments are so tiny that they begin to look like the delicious plankton that fish and whales love to consume. Just off the coast of Easter Island in the South Pacific, architect Cristian Ehrmantraut, working out of the University of Chile, has proposed a stunning floating platform, the majority of which would be a huge pyramid-like structure deployed underwater to suck in seawater, filter out the plastic bits (while protecting marine life) through a sort of “dialysis,” and prepare the plastic for recycling.

In Ehrmantraut’s ambitious vision, up to 65 people could live on the solar-powered platform to get the work done while they grow their own food. Ultimately, he says, the planet would need innumerable platforms to make a dent in the problem we’ve already created. With at least five and perhaps eight significant oceanic garbage patches caught in rotating currents, Greenpeace estimates it would take 68 ships sailing and scooping constantly for a year to clean up just one percent of the Pacific, and they’d be burning plenty of fuel while they were doing the job.

Ultimately, most experts seem to agree, cleaning up the plastic will be a harder challenge than stemming its production and consumption. The best place to address this particular issue then seems to be on dry land.

Plastic fouling our oceans is one of the many issues being addressed by the XPRIZE Ocean Initiative, a 10-year commitment to launch a total of five, multi-million dollar ocean XPRIZEs by 2020 (including the $2M Wendy Schmidt Ocean Health XPRIZE). XPRIZE is in a unique position to galvanize a community of innovators, scientists, government officials, business leaders, philanthropists and ocean advocates in service of a bold vision–to turn our oceans away from their current state of crisis and towards real breakthroughs to ensure that the world’s oceans become healthy, valued, and understood.


Don Willmott is a New York-based journalist who writes about technology, travel, and the environment for a wide variety of publications and websites.

Visit XPRIZE at xprize.org, follow us on Facebook, Twitter and Google+, and get our Newsletter to stay informed.

Friday Talking Points — Sarah Palin, Under The Republican Bus

That headline certainly does promise a large amount of schadenfreude over the misfortunes of a certain former vice presidential nominee (and half-term governor of Alaska), doesn’t it? Well, that’ll all have to wait for the end of this column, where we will be supplanting our normal talking points section with a few choice conservative reviews of Sarah Palin’s recent speech in Iowa. But before we dive into this snarktastic dessert of vicious quips, we’ve first got to get through the meat and potatoes of the politics of the week.

The big news this morning was, of course, Mitt Romney flip-flopping on his presidential ambitions. “Just kidding!” Romney essentially told the world (forcing the Daily Beast to hastily run a retraction of their “Mitt’s Running!” story, amusingly enough). Anyone who had been looking forward to Mitt 3.0, out there telling us all how conservatives would solve poverty and the income gap by giving rich people raises is undoubtedly disappointed at the news. I mean, we all could have had so much fun during the campaign doing things like comparing our own houses to Mitt’s palatial spread in California, but now that rug has been yanked out from under us all. Oh, the disappointment!

Under the big circus tent that is now the United States Congress, Republicans followed up on their failure to pass a severe abortion bill by unexpectedly yanking their severe border security bill in the House. The bill, which even the infamous Draco would have been impressed with (one assumes), was deemed insufficiently severe by the uber-extremists on the immigration issue within the Republican House. Look for a moat full of alligators to be added to the next bill, in an effort to secure enough votes for passage, we suppose. Conservatives were even openly bragging about killing the bill, which only goes to confirm that they do not care about actual legislation, and consider their jobs to be nothing more than the sheerest of political posturing. Looks like a long two years, folks.

This lurch towards the Tea Party was also noticeable in the umpteenth Benghazi committee, which is now in danger of falling apart through sheer partisanship. John Boehner also came out and promised once again (as he did almost exactly a year ago) that the House would soon be voting — any day now! — on a Republican bill to replace the dreaded Obamacare. But if Republicans can’t even get behind a severe border security or anti-abortion bill, does anyone truly expect they’ll be able to do so on healthcare reform? Especially since they’ve been promising to do so for approximately six years now?

Let’s see… in other silliness, Michelle Obama appeared with her head uncovered in Saudi Arabia, which almost became fodder for another fake “scandal” whipped up by Republicans, except that it was quickly discovered that Laura Bush had previously done the same thing. Thankfully, this non-scandal ended before it really even got going.

In other news, while the media were breathlessly reporting the same big story they break every single winter (to wit: “It Snows In Wintertime! Who Knew?!?”), at risk of their own lives, a man was convicted under the 1917 Espionage Act for leaking government secrets to the media. He faces 80 years in federal prison, but the snow was so much more interesting to report on, so you may not have seen this story on your teevee.

There were bales (to coin a phrase) of marijuana news this week, it seemed, so we’ll just run through these items quickly. Three ex-Super Bowl champs wrote a heartfelt open letter to the NFL, urging the league to rethink its outdated marijuana policies. Marijuana was the fastest-growing industry in America last year (I commented on this news earlier in the week). Colorado is getting so much tax money from weed that they may be legally forced to refund some of it (prompting one enthusiast to reply: “I don’t care if they write me a check, or refund it in my taxes, or just give me a free joint next time I come in. The taxes are too high, and they should give it back”). The Denver airport, however, has banned marijuana-themed souvenirs for tourists from their stores, for reasons that surpass understanding. Jamaica is about to decriminalize marijuana and could move quickly to full legalization, now that the United States isn’t throwing its weight around internationally on the subject any more. Perhaps it’s time for Obama to pardon Tommy Chong? It would seem appropriate, at this point. And Paul Ollinger of the Huffington Post wrote the funniest article I’ve seen in a while, with a title that really needs no further explanation: “Apple’s $178 Billion in Cash Would Buy SO MUCH WEED.” Even the metric he uses in his calculations is hilarious, so check it out.

And finally, I had to ask the question, earlier this week, upon hearing the news that we’re ordering new planes for the “Air Force One” fleet: “Will The Obama Library Have A Plane In It?” I mean, Saint Ronnie of Reagan got one just for signing off on some new planes, so Obama’s entitled too, right?

OK, enough of such frippery, let’s get on with the awards before delightfully ending with the woes of Sarah Palin, shall we?

 

Most Impressive Democrat of the Week

We had several contenders for this week’s Most Impressive Democrat Of The Week award, which is always a good thing.

House member Adam Schiff introduced an “authorization for the use of military force” bill for the fight against the Islamic State, which is noteworthy because Congress has done precisely nothing on this issue for the past year. Going to war is a serious matter that Congress is supposed to be involved with, but they’ve completely punted on their constitutional responsibility to do so until now. Whether you think Schiff’s bill is the right way to go or not, let’s have that debate. We, the people, are supposed to be entitled to a debate on whether we go to war or not. Schiff gets an Honorable Mention for leading the effort to remind Congress of the job it is supposed to be doing.

Tim Ryan, a House Democrat from Ohio, just announced he has switched his opposition to abortion rights. The reason? He talked to some Ohio women. Here’s what he found:

These women gave me a better understanding of how complex and difficult certain situations can become. And while there are people of good conscience on both sides of this argument, one thing has become abundantly clear to me: the heavy hand of government must not make this decision for women and families.

Ryan gets an Honorable Mention as well this week, with emphasis on the first word of that phrase.

And our last Honorable Mention this week goes to Senator Dick Durbin who took to the floor of the Senate every day this week to relate the personal stories of the immigrants who came to this country as children, in advance of next month’s big immigration fracas. This was a powerful way to take a stand, and we salute Durbin for doing so.

But the winner of our Most Impressive Democrat Of The Week this week goes to Loretta Lynch, the nominee to replace Attorney General Eric Holder. Lynch faced her Senate hearing this week, and by all accounts was incredibly impressive. Even though the Senate is now held by Republicans, pretty much everyone is predicting a smooth path for Lynch to be confirmed in the cabinet-level position. She will become the nation’s first African-American woman to hold the highest office at the Justice Department, but that’s really not why she earned her MIDOTW award.

Republicans had envisioned the hearings to replace Holder as a way to rake him over the coals one last time, and also as an opportunity to make their own case for President Obama’s “lawlessness.” It was to be a free-for-all, where every grudge against Holder would be dusted off and laid at the feet of the new nominee. To put it bluntly, the Republicans on the committee utterly failed to achieve these goals. The most quoted soundbite of the hearings was when Lynch was asked whether she was, in fact, Eric Holder or not. When that’s the best television that came out of the hearing, the Republicans obviously didn’t even clear the low bar they had set for themselves.

In the second day of testimony, other people testified (supposedly about Lynch’s fitness for the job), who were invited by members of both parties. Democrats called some law professors and former colleagues of Lynch. Republicans called as their witnesses “a couple of conservative law professors to denounce President Obama’s usurpation of democracy — and some far-right-wing activists to complain about being victimized,” as Salon put it. Rather than mount a single cogent argument as to why Lynch might not be qualified, Republicans “called a group of partisan crackpots and grass-roots loons to relitigate moldy pseudo-scandals and complain about nonexistent government persecution.”

For emerging completely unscathed from a Senate confirmation process, and in anticipation of her easy victory in the upcoming vote, Loretta Lynch has won her first Most Impressive Democrat Of The Week award. We sincerely hope the job she does in the future will earn her many more, before she is done.

[We couldn’t find a public email contact page for Loretta Lynch, sorry. You’ll just have to wait until she’s confirmed as Attorney General to congratulate her.]

 

Most Disappointing Democrat of the Week

We have an update on the winner of last week’s Most Disappointing Democrat Of The Week, before we get to this week’s award. New York Assembly Speaker Sheldon Silver won’t have his title much longer. He will be either stepping down as speaker or being forcibly chucked out by his own caucus next week. Earlier, he tried to convince his fellow Democrats to install a sort of junta as a temporary speakership (until he could clear his name in the courts and triumphantly return to his high office), but that idea was quickly shot down. Kudos to all the other New York Democrats for standing up to Silver in such a fashion. He’s obviously going to be too busy preparing for his upcoming federal court case to be effective as speaker.

In somewhat of a shocker, though, this week’s Most Disappointing Democrat Of The Week is none other than President Barack Obama, who was our Most Impressive Democrat Of The Week last week.

Now, we’ll admit up front at a bit of personal bias in this decision. Because we remember the days of Rahm Emanuel in the Obama administration, and the insults from that time period have still not fully healed (probably because Emanuel never came close to apologizing for any of them).

Still, Emanuel aside, we have to say that this week exposed a stunning (if admittedly minor) bit of hypocrisy from President Obama. Yesterday, President Obama did two things. The first was he posted his own op-ed piece on the Huffington Post website. In it, he called for essentially the same things he outlined in his State Of The Union speech: a focus on middle-class economics. It’s a well-written piece, and it exclusively appeared on the Huffington Post (in something of a journalistic scoop for the site, in fact).

However, on the very same day, according to The Hill, Obama also addressed House Democrats in a private confab they held to discuss upcoming strategy. While speaking about a contentious issue within his own party (trade deals), Obama cautioned Democrats to: “Keep your powder a little dry. Get informed — not by reading the Huffington Post.”

Say what, Mister President? Are you telling your fellow Democrats not to read your own op-ed, or what, exactly?

As I fully admitted, this is a rather personal slur, seeing as how I’ve been blogging at this site since before I knew how to even spell Barack Obama’s name. But seriously, this takes us back to the routine insults from the likes of Rahm, and not in a good way.

So for this very cheap shot, and for the stunning hypocrisy of publishing a Huffington Post blog post, then — on the very same day — badmouthing the site within a closed-door meeting of Democrats, President Barack Obama is this week’s Most Disappointing Democrat Of The Week. Please, let’s not return to the dark days of Rahm, President Obama. Pretty please?

[Contact President Barack Obama via the White House contact page, to let him know what you think of his actions.]

 

Friday Talking Points

Volume 334 (1/30/15)

OK, as promised we’re offering up a very special talking points section this week. Because last week was all about President Obama’s State Of The Union address and next week is likely to be quite heavy on promoting the best parts of Obama’s upcoming budget proposal, we thought that, instead of our usual efforts to provide Democrats everywhere with effective talking points, we’d just get down and dirty and wallow around in the muck this week.

The muck in question isn’t even Democratic muck. It’s purely conservative and Republican mudslinging, at a person who used to be put on a pretty tall pedestal in Republicanland: Sarah Palin. In fact, if this section had its own subtitle, this week’s might be: “How can we miss you, Sarah, if you won’t go away?” [Note: I believe I subconsciously stole this phrase from a country song, but I am indeed too lazy to actually look it up.]

In case you missed the news Palin made this week, an extreme right-winger in Iowa hosted a confab of conservatives (so all the possible presidential contenders could appropriately kiss his ring). Palin showed up, and broadly hinted to the (as she calls it) “lamestream” media that she was actually “seriously interested” in the possibility of launching her own presidential campaign.

Then she spoke to the crowd for 35 minutes.

In a bit of jaw-dropping irony (according to at least one report), Palin’s TelePrompTer failed during the speech. Remember how conservatives used to love mocking President Obama’s use of this device? Boy, those were the days! Now, even Palin uses this tool of Satan, apparently (instead of reading notes written on her hand, as she used to do). When it failed, she was left to speak off the top of her head. Which never really ends well for Palin.

What followed in the wake of her stream-of-consciousness speech was a huge wave of blistering and scathing criticism — from conservatives. Within days, Sarah was even picking fights with Bill O’Reilly (of all people), but the damage had already been done to her reputation (among those who still held her in any sort of esteem, I should qualify).

Democrats, for the most part, smartly stayed out of the fracas. The Democratic National Committee did issue a two-word response to Sarah’s speech: “Thank you.” Minimalist snark at its finest! Ready For Hillary, the shadow campaign organization supporting Clinton, helpfully pointed out that Palin’s speech resulted in so much fundraising that Palin (if she ever requested the honor) would qualify to “co-chair the group’s national finance council.”

One former defender (and promoter) of Palin, William Kristol, reacted (when he was reminded that less than a year ago he had said Palin “might be kind of formidable in a Republican primary”) by asking in amazement: “Did I say it that recently?”

Matt Lewis of the Daily Beast offered up a sort of mea culpa for his former support: “In hindsight I regret contributing to the premature deification of Sarah Palin… maybe her early critics saw some fundamental character flaw — some harbinger of things to come — that escaped me.”

By week’s end, the only person still standing up for the beleaguered Palin in any noticeable way was Senator John McCain, who responded to the prospect of a Palin campaign with: “She’s very interesting. And I’m sure she’d do great.” But then, really, what else could he say? “I sure picked a dimbulb as my running mate, didn’t I?”

Because the rush to throw Sarah Palin under the Republican bus was so pronounced this week, we’re going to provide just a sampling of what her fellow Republicans were saying in response to her Iowa speech. So as to not be accused of overkill, we’ve taken all of the following quotes from one single devastating column written for the conservative Washington Examiner by Byron York. Because sometimes, when your opponents are fighting amongst themselves, it’s best to just stand back and offer to hold their coats until they’re done.

York begins with his own take on Palin’s speech, pulling no punches.

[M]ore than a few GOP loyalists came away shaking their heads at the performance of a party star, former vice presidential candidate Sarah Palin, whose long, rambling, and at times barely coherent speech left some wondering what role she should play in Republican politics as the 2016 race begins in earnest.

York went on to describe the content of the speech itself. Details about her “petty complaining” have been omitted, both for brevity and because they all seem so tawdry.

First, Palin embarked on an extended stream-of-consciousness complaint about media coverage….

It was all quite petty, and yet the complaining took half of Palin’s allotted time. She then proceeded to blow through her time limit with a free-association ramble on Barack Obama, Hillary Clinton, the energy industry, her daughter Bristol, Margaret Thatcher, middle-class economics — “the man can only ride ya when your back is bent” — women in politics, and much more. It would be hard to say that Palin’s 35-minute talk had a theme, but she did hint that she is interested in running, although there are no indications she has taken any actual steps in that direction

York goes on to report some random crowd reactions, all from unnamed “social conservative activists.”

“Long and disjointed.”

“A weird speech. Terrible. Didn’t make any sense.”

“There was a certain coarseness to her that wasn’t there before.”

From Sam Clovis, “conservative Iowa college professor, radio commentator, and sometime political candidate”:

“I know she is popular, but it is hard to take her seriously given that performance. Palin was a sad story Saturday. With every speech she gives, she gets worse and worse. If one were playing a political cliche drinking game, no one would have been sober after the first 15 minutes of an interminable ramble. It was really painful.”

From a “well-connected Iowa Republican”:

“Calling Gov. Palin’s remarks bizarre and disjointed would be charitable. Her shelf-life, even with the most conservative voters in our party, seems to be near the end. In a day filled with strong performances from likely candidates ranging from Scott Walker to Ted Cruz, her remarks were a distraction.”

From Craig Robinson, Iowa Republican blogger:

“It was a long and incoherent speech. At best, there were a few good one-liners.”

York ended his column admitting that these weren’t even the worst reactions he heard from the crowd after the speech, before offering up one final (and particularly cruel) twist of the knife.

I’m not comfortable sharing everything I heard about the speech — it was that bad….

Palin made a guy like Trump look like a serious presidential candidate today. Incredible.

 

Chris Weigant blogs at:
ChrisWeigant.com

Follow Chris on Twitter: @ChrisWeigant
Become a fan of Chris on Huffington Post
Full archives of FTP columns: FridayTalkingPoints.com
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Sexism: The Original Sin Of The Church (All Together Podcast)

Welcome to this week’s ALL TOGETHER — the podcast dedicated to exploring how ethics, religion and spiritual practice inform our personal lives, our communities and our world. ALL TOGETHER is hosted by Paul Brandeis Raushenbush, executive editor of HuffPost Religion. You can download All Together on iTunes, or Stitcher.

When Raushenbush was growing up in the 70’s, his Presbyterian church in Madison, Wisconsin had a woman serving on the altar as associate pastor. This just seemed normal to him. He later found out that women in a pastoral leadership position in the church at that time was not common and is still the exception rather than the rule within Christianity.

Recently, Rev. Libby Lane was consecrated as Bishop of Stockport making her the first woman Bishop in the Church of England. The stain glass ceiling break-through only occurred after years of debate and still, at her consecration, a priest stood and objected. In Orthodox Christianity, the Roman Catholic Church and in some Protestant denominations, women are not allowed to serve as pastors or priests. Pope Francis, who has been so open on many issues, has slammed the door shut to any debate on women serving as priests.

Given that women surrounded Jesus during his ministry, were the last to stay with Jesus at the cross, and the first to see him resurrected; it appears clear that Jesus believed in the spiritual power and perception of women. So, why does the church not hold women in the same esteem as did Jesus, the founder and center of the faith?

To help him understand the continuing sexism in the Christian Church, Raushenbush spoke with four extraordinary women: the Presiding Bishop of the Episcopal Church Katharine Jefforts Schori, the recent US ambassador for Religious Freedom the Rev. Dr. Suzan Johnson Cook, The President of Union Theological Seminary, The Rev. Dr. Serene Jones, and the one and only Sister Joan Chittister.

These four women spotlight the Church’s original sin of sexism; however their lives and wisdom inspire hope for the future when all the church might benefit from the spiritual power of women on the pulpit as well as the pew.

Raushenbush recommends a new book by Rev. Dr. Susan Shaw called Reflective Faith: A Theological Toolbox for Women. The book offers readers to consider for themselves the role of women in the church and in scripture in an easy to read style.

The podcast ends with a final question, answer and demand from none other than Beyonce who asks: “Who runs the world? Girls.”

Financial Sense 201: Going Beyond the Classroom and Making Smart Financial Choices Now

Tom Hanks said, “While I was (in college) I was exposed to this world that I didn’t know was possible.” College is definitely a time of discovery. We’re exposed to new ways of thinking and begin to form our own ideas about the world. Of course, it’s also a time for fun. College students are straddling the line between still being young and being faced with adult decisions.

Straddling that line between teenager and adult can be difficult to manage for some students. College may be their first time away from home, which adds to the stress of managing a budget, paying bills and making decisions that will directly impact their future. For many, it is tempting to rack up debt now and worry about it later. College should be fun, but it’s also vital that students start thinking about their future and what life will be like after graduation.

Vikki Feggulis, a 2013 graduate of Utica College, said that while in college she watched many of her friends be carefree with their money. “It was really tempting to do that too, especially with the stress of school mounting,” says Feggulis. “But I recognized that working hard, getting out of school as fast as I could and being mindful of my finances would put me in the best spot upon graduation.”

It is not possible for every student to graduate from college debt free. However, it is crucial to make smart financial decisions while still in school to limit the financial burden as much as possible, as this will have a direct and lasting impact on your financial health for the rest of your life.

Maintain a Source of Income

Even with loans, grants, scholarships, or all of the above, some students may still need additional sources of income while in school. Getting a job will not only provide some much needed income, but could also give students an opportunity to beef up their resume and get some real life experience that will help them land their dream job upon graduation.

Find a job that you know will be flexible with your class schedule. Working at night or on weekends will allow you to attend class and leave time for homework. Students should also make the most out of Christmas and summer breaks, working as much as possible so they can save money for the rest of the school year.

Colleges and universities offer a number of opportunities to work on campus. Students can serve as research assistants, clerical assistants, tutors and more. Some of these positions may even allow students to earn credits toward graduation and get paid. Looking for a job related to your major will increase your chances of getting an internship and send you to the top of the list when you start applying for jobs after graduation. Another added bonus to working on campus is that most of these positions find it perfectly acceptable to complete school work if you have down time.

Feggulis says, “I’ve been working at least one job at all times since I was 15. I (worked) every holiday weekend, winter break and summer break.” She also had a number of jobs that helped ease the cost of her education. “I took a paid internship in NYC and… held an internship position at a local radio station, which was related to my major and allowed me to make extra money. I also tutored and was a resident assistant, which covered my housing costs and provided a small stipend.”

Use Credit Carefully

A line of credit can be great when you’re strapped for cash or want to earn rewards for your purchases; however, credit cards aren’t the ideal source of funds while in school. It’s easy to wrack up a large balance, but not so easy to pay it off, especially if you carry a balance. After graduation, when payments on student loans begin, a credit card payment can be an unnecessary burden.

If students do use credit cards, they should learn to manage them responsibly and use them for the sole purpose of building their credit so they have good to excellent credit upon graduation. Students should never use credit cards as a source for paying their tuition. Student loan interest rates are 2-4 times less than credit card interest and credit cards also charge, on average, a convenience fee of 2.62 percent to process student loan payments.

Before opening a credit card, students should understand how credit cards and credit scores work. Most importantly, they should have a firm understanding that whatever you charge on a credit card has to be paid back, and it can be very difficult to pay back large balances that have a high interest rate.

There are a variety of trusted sources that can provide consumers with information about understanding credit scores. Wells Fargo has a comprehensive resource section for learning about credit scores and building healthy credit. Pathway to Financial Success and Cash Course also offer information that is specific to students and can help them shape healthy financial habits.

If a student does decide to open a credit card, there are credit cards designed specifically for students. Determining which student credit card is best for you will depend on factors such as your credit score and what kind of perks or benefits you want. Check out the guide for the First Time Credit Card Owner when you think you’re ready for your first credit card.

Along with saving money, it’s equally important that young adults understand the importance of their credit score. Most college freshmen haven’t had the chance to establish a good credit history and may not even understand what it means. Using services like CompareCards’ Credit Concierge, will provide them with the necessary information for learning about what’s included in their credit report and how their credit score impacts their ability to make purchases and obtain loans.

There are a number of ways young adults can establish good credit. Having credit cards, utilities, or loans in their name and always paying bills on time is the first step in building good credit. Banks and credit unions also offer credit-building loans that allow students to “borrow” against money that is already in their account. This allows them to build credit without the risk of incurring large balances.

Be Budget Savvy

Remember, budgets and coupons aren’t just for parents. College students typically have a small budget, but also have a relatively small number of bills to pay each month. Students should calculate monthly expenses versus how much money they have available through work and/or loans. If there isn’t enough to cover the bills, students should focus on how they can save money.

Buy Generic

A study from economists at Tilburg University and the University of Chicago revealed that people who buy generic brands of products actually score higher on IQ tests. That indicates that students who are smart enough to get into college are prime candidates for saving money by buying off-brands instead of paying premium prices for well-known brands. Generic products typically contain the same ingredients as the name brand products and lose no value or quality.

As reported by CNN, “Nine times out of ten, pharmacists and doctors will buy the generic version of aspirin rather than a brand-name like Bayer. Likewise, professional chefs prefer store-brand sugar, salt and baking powder instead of brand name ingredients.”

The savings on consumer products across the board can be dramatic despite the fact that the products or their key ingredients are virtually identical.

Cut Down on Textbook Expenses

The reason that textbooks are so extraordinarily expensive is because most of them are printed in rather small quantities. They are sold only to colleges and universities and, among those buyers, may only appeal to certain campus bookstores where professors specifically request them. Publishing companies also know students have limited options and are almost locked-in, because choosing not to buy the book would likely cause the student to fail the class.

That makes the market for used textbooks a great resource for students who are shopping for bargain prices or want to resell their own books for fast cash. Most campuses operate their own book exchanges where you can find books in great condition at a fraction of the price. You can also find ads on campus buildings or dormitory bulletin boards. Some websites where you can buy or sell textbooks include:

  • Amazon.com
  • Textbooks.com
  • Ecampus.com
  • Neebo.com
  • CheapestTextBooks.com

Another way to save big on textbooks is to use digital e-book versions instead of hard copies that weigh down your backpack. Many educational institutions are converting to this more environmentally-friendly and less costly format. Check with your college and/or professors to see if there are e-books or open-source textbook options available. Open-source textbooks can be printed and bound for about $40.

Take Advantage of Free High-Tech Financial Tools

There are tons of great tools, apps and programs that can be helpful in managing your budget and saving money, and many of them are free. Websites like Mint.com, for example, can help you create and manage your budget like a pro, while also including expert information about how to be a wise saver and investor.

Most major banks have free apps that you can download to enable you to keep track of your accounts or pay bills from a smart phone or other Wi-Fi device. Online banking options usually offer lower rates and fees than traditional brick and mortar banks. You can also set your account preferences to take advantage of text and email alerts when your payment is due or when you are hitting your spending limit.

There are even some banks that reward students for doing things like paying their bills on time, so be sure to shop around and find a bank that matches your goals, while helping to save you money.

Always Mention You’re a Student

Just about every single merchant, service, or product offers a discount for students. This can result in discounts on food, clothing, entertainment and more. Mention to the merchant that you’re a student to make sure you receive the highest discount you can. Most require you to have a copy of your student ID card on hand, so make sure you always carry that with you.

As students work hard in school and hopefully work hard at making financial choices, they can learn more than just what professors are teaching in the classroom. While it might seem like economics are only for economic majors, that couldn’t be further from the truth. Students who take charge of their financial education will be in a better position to meet their financial responsibilities after graduation.

The economy and work force can change quickly, so it’s important to continually monitor what salary and employment projections are expected for your intended field of work. As you move toward graduation, talk with advisors and use resources such as Payscale’s yearly College Salary Report to determine what you might expect to make after graduation.

Students can also continue to look for additional grants and scholarships. Some grants and scholarships are renewed yearly, or are specifically designed for students who are already in school.

To prepare yourself for post-college life, the most important things you can do are exit college with as little debt as possible and have good credit. The Fair Credit Reporting Act requires each credit reporting company (Equifax, Experian and TransUnion) to provide consumers with a free credit report once a year. These reports will provide details about your report, outstanding debt, credit inquiries and more.

Credit monitoring services such as Credit Concierge can help you understand your credit report and make sense of what is positively and negatively impacting your credit. This free credit monitoring service allows users to track and monitor their credit profile.

This extra step will set students up for a healthy and robust financial future. As they look forward to graduation and starting a career, they will be equipped not only with book smarts, but also with the financial skills needed upon entering the real world.

F-35 gets turned into popsicle by giant fridge

F-35 gets turned into popsicle by giant fridge

Cool photo of Lockheed Martin’s F-35 Lightning II undergoing tests in extreme freezing weather conditions.

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Breakfast: the most important meal of the day. Or is it?

You want to rise and shine like the special ray of sunshine that you are. And, like the sun, you require fuel: coffee, juice, oatmeal, and, let’s be honest, sometimes Pop Tarts. Here’s the latest science on breakfast optimization, including caffeine timing, juice debunking, and sticking it to the man. Read it, listen to the Gastropod episode on which it is based, and get Monday morning right for a change.

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More Comcast Customers Report Name Changes to "Whore" and "Dummy" 

Remember a couple days ago, when the world learned Comcast had changed a customer’s name from “Ricardo Brown” to “Asshole Brown?” Looks like our Ricardo might not have been the only one. More Comcast customers have reported similar incidents to Elliott.org. The name changes range from “dummy” to “whore” to the slightly confusing “Fakoe Bez” (sounds like “Fuck you, Bez.”)

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Moto G (2014) 4G LTE Model Launched In Brazil

moto gBack in 2014, Motorola introduced the 4G LTE version of the 2013-launched Moto G. Motorola then released the 2014 Moto G but unfortunately that phone did not come with 4G LTE connectivity, which we thought was a little odd. However a recent leak by an online retailer a couple of weeks ago suggested that a LTE version could be on its way, and sure enough it has arrived.

The 4G LTE version of the Moto G (2014) has made an appearance on Motorola Brazil’s website where customers are already able to purchase the handset. No word on when Motorola will be bringing that particular version stateside or to international markets, but we will be keeping our eyes peeled all the same.

The hardware specs of the 4G LTE model are more or less the same as the 2014 Moto G model. However there are some differences and one of them is how Motorola has decided to keep the dual SIM variant, giving it 4G LTE connectivity in the process. Motorola has also bumped its battery life to a slightly larger 2,390mAh battery which should help with the LTE battery drain.

However apart from that, the specs remain the same which includes a 5-inch 720p HD display, a quad-core Snapdragon 400 1.2GHz chipset, an 8MP rear-facing camera, a 2MP front-facing camera, and the good news is that it will be shipped with Android 5.0.2 Lollipop preinstalled.

Moto G (2014) 4G LTE Model Launched In Brazil , original content from Ubergizmo. Read our Copyrights and terms of use.

Android 5.0 Delayed For Carrier Versions Of HTC One M8, HTC One M7

htc-one-review-m8-labshot-04So HTC has been rolling out Android 5.0 Lollipop for the HTC One M8, but if you were one of the ones who bought their HTC One M8 or One M7 from a carrier, it seems that you guys will have to wait just a little bit longer. HTC had previously promised to roll out the update within 90 days of Google releasing Android 5.0.

This would mean that that it should be arriving by the 1st of February. However according to HTC US product manager Mo Versi, the update for the carrier versions of the One M8 and One M7 have been pushed back by a bit. According to HTC, it seems that there are some issues with the update that have caused the delay.

According to HTC, “We’ve been working hard in the labs with Google and our carrier partners ever since the code release and are making great progress so far, but if you’ve been following the progress of this rollout you will know that Google has had to address several issues with this release. We’ve been diligently working to fix some of them on our end and incorporating Google’s fixes as quickly as possible.”

This is rather unfortunate as HTC has managed to update the non-carrier versions of the HTC One M8 which means there are still a handful of disgruntled HTC users left. However we suppose at least HTC has been upfront with the problems and hopefully carrier versions of the One M8 and One M7 won’t have to wait too long for the update.

Android 5.0 Delayed For Carrier Versions Of HTC One M8, HTC One M7 , original content from Ubergizmo. Read our Copyrights and terms of use.

Vine Launches Kid-Friendly Version Of Its App

vine kidsVine plays home to all kinds of short video clips. Some are hilarious, some are weird, and some might not necessarily be safe for work OR kids. While we doubt Vine will be launching a safe for work version of the app anytime soon, the developers have since launched a special version of the app designed just for kids in mind.

The kids version of the app was conceived during Vine’s Hack Week, which is basically time given to Vine employees to work on their own personal projects outside of work, which is also where the idea came together. The app will function pretty much the same way as regular Vine, except that in this case the videos have been carefully curated to ensure that they are kid-friendly.

It has also been given a slight UI makeover complete with bright colors and funny-looking characters to capture kids’ attention, as opposed to a more grown-up UI which might not be as attractive to children as they are to us. The app will include gestures such as swiping left or right to go through different Vine videos.

The app is a free download but unfortunately it looks like it is limited to iOS users for now. No word on whether it will arrive on other platforms as there was no mention of that possibility, but we will be keeping our eyes peeled all the same.

Vine Launches Kid-Friendly Version Of Its App , original content from Ubergizmo. Read our Copyrights and terms of use.