All posts by magister

Teen Lingo

four teens in school hall

-Brisa Ayub, 3/22/16

“From “TMRW” and “WYCM” to “vamping” and “vlogging,” the current digital lingo resembles that of an encrypted secret language — a secret code only known to those still waiting for their driver’s licenses. Students are coming up with clever, short, and to-the-point phrases that can make communication quicker and in many ways more interesting. But some of this lingo warrants a second look.

For those of us looking to keep a pulse on what our students are talking — or texting — about, first we need to know how to decode their shorthand. Our Digital Glossary gives parents and teachers a window into the world of kids’ digital lingo.

We’ve highlighted a few popular terms from our glossary to give you a leg up on cracking the code.

Doxxing
“Dox” is short for “dropping documents.” The term is used when someone maliciously reveals someone else’s personal information such as address, phone number, or private social media username on a public site or forum.

Among kids, doxxing might be done in revenge when a romantic relationship ends. The vigilante hacker group Anonymous has been known to dox people to draw attention to an issue.

Swatting
Similar to doxxing, swatting has the potential for some serious consequences. The term refers to a particular type of prank, which involves calling in fake police tips in an attempt to send a SWAT team to an individual’s home.

The term gained some serious attention when a Canadian teenager pleaded guilty to 23 charges related to an international binge of hacking, pranking, and harassment including swatting and doxxing unsuspecting victims. The teenager’s rampage led to a Florida school lockdown and even caused part of Disneyland to temporarily shut down.

PIR and POS
Two acronyms used to indicate when an adult is present. “PIR” stands for “parent in the room”; “POS” indicates “parent over shoulder.”

Can anyone guess what TIR stands for? (Hint: Not parent in the room, but __ in the room.)

BAE and FTW
Not all kids’ lingo is worthy of concern. “BAE” stands for “before anyone else.” It’s used across the Internet as a term of affection for a significant other or crush. “FTW” stands for “for the win.” For example, on a photograph of a friend wearing a purple jumpsuit, another teen may comment, “Purple jumpsuits FTW!” The acronym can be used seriously or sarcastically.

On Fleek
Still trying to figure out what “on fleek” means? Don’t worry if you don’t know this term. It seems the world doesn’t really understand it, either, yet people continue to use it. It’s essentially a synonym for the phrase “on point,” and it originated in a Vine video by a user known as Peaches Monroee, wherein she refers to her eyebrows as being “on fleek.” Now, rapper B.o.B has released a song called “Fleek,” and popular celebrities such as Kim Kardashian and Nicki Minaj have posted on social media with the popular caption.

https://www.commonsensemedia.org/educators/digital-glossary

Cost of Being Decent to Adjuncts

New paper argues that colleges can’t afford to improve the pay and working conditions of those off the tenure track. Activists slam the analysis.

March 17, 2016
-by Colleen Flaherty

Even if the adjunct movement for better working conditions succeeds, most adjuncts will lose. That’s one bold claim of a recent paper on the costs associated with a number of the movement’s goals, such as better pay and benefits. While activists and scholars have been quick to criticize what they call the paper’s inherently flawed logic, the study’s authors say it is a first step in a more critical dialogue on the adjunct “dilemma.”

“Our goal in this paper is neither to affirm nor to deny that universities owe adjuncts more than they currently receive,” reads “Estimating the Cost of Justice for Adjuncts: A Case Study in University Business Ethics,” published in the Journal of Business Ethics. “Instead, our goal is to show that any attempt to help adjuncts faces unpleasant trade-offs and serious opportunity costs. Due to budget constraints and other factors, many proposed solutions to the adjunct crisis are likely to harm rather than help most current adjuncts. Even if adjuncts deserve much more, it may not be possible to give them what they deserve.”

Authors Jason Brennan, Robert J. and Elizabeth Flanagan Family Associate Professor of Strategy, Economics, Ethics and Public Policy at the McDonough School of Business and associate professor of philosophy at Georgetown University, and Phillip Magness, policy historian and academic program director at the Institute for Humane Studies at George Mason University, base their claim on several assertions. They argue that it’s unclear if universities with limited resources wishing to do the “most good” or advance social justice should increase adjunct pay instead of, say, cutting costs or reallocating funds to scholarships. They also note that part-time, non-tenure-track faculty “choose to work as adjuncts over their other, possibly quite bad options,” including unemployment, and that universities “do not literally enslave adjuncts.”

Perhaps most central to their main point, Brennan and Magness say that because many colleges and universities face budget constraints, and because adjuncts are “significantly less expensive than tenure-track faculty, any attempt to improve the pay and conditions of adjunct faculty will encounter unpleasant trade-offs.”

If, for example, a college stopped hiring adjuncts at what some have called “poverty wages” and instead hired them at higher pay with full benefits, it realistically could only do so for a minority of current instructors — and the rest could lose their jobs, they say. “Removing the opportunity to work as an adjunct will harm the typical adjunct, unless that opportunity is replaced with an even better opportunity.”

According to the authors’ rough calculations, institutions across academe currently employ 752,669 adjuncts to teach 1,578,336 courses annually, costing about $4.3 billion. Per-course pay in that estimate is $2,700 — a commonly cited national average.

To illustrate their point, Brennan and Magness put together a “minimally good job” package, including a $50,000 salary (teaching six courses per year), plus benefits and office space, that would cost a university $72,000 annually. To replace these 752,669 adjuncts with 263,056 minimally good jobs would cost universities $18.9 billion, they say — nearly $15 billion more each year.

If that doesn’t sound like much of an increase, the authors argue, that’s just base costs, without merit raises that could be earned in subsequent years or other perks. To replace those minimally good jobs with something even better — 75 percent of the average tenured full professor’s pay of $122,000 — the cost would be about $32 billion a year.

The paper references Service Employees International Union’s aspirational proposal that adjuncts be paid $15,000 per course (including benefits), estimating that would cost universities $19 billion more annually.

costs

Putting the estimated cost increases into perspective, the authors say it’s “far from obvious” whether universities would be able to afford such a change. According to U.S. Department of Education data from 2013, public and private colleges and universities spent $477 billion on all expenses. About $139 billion went to instruction, with about $100 billion spent on faculty salary, wages and benefits.

Making the proposed pay adjustments would mean increasing that figure by 15 to 50 percent — some $15-50 billion — the authors say.

Perhaps just as importantly, the authors say moving to fewer, better jobs even at a much greater cost would still mean the end of jobs for about 450,000 adjuncts. While the authors take no position on the matter, they say that an “intellectually serious theory of adjunct justice must acknowledge and resolve it.”

Building on that argument, the authors say that increasing pay and benefits and otherwise improving working conditions for faculty would attract “more and better” candidates to such positions, “many of whom will outcompete current adjuncts for their jobs.”

Again referencing the SEIU proposal, the paper says that at four courses each in the spring and fall, “this is $120,000 in pay for nine to 10 months of relatively fun work, with summers and winters off.”

Brennan and Magness argue that any attempt to give adjuncts a better job is also likely to affect course offerings, “possibly to the detriment of its students. … There would be a drop in the number of faculty and the number of classes offered, and so average class sizes would increase.” There’d be less diversity in terms of classes, and many more tenure-track faculty members would have to teach introductory courses, at the expense of upper-level ones, the paper says. Professionals who moonlight as adjuncts in business and law or other fields also would teach fewer courses, costing students their “real-world experience.”

The authors describe the paper as “taking the first step toward serious work on questions of exploitation in academic employment.” While many claim the obstacles to “adjunct justice” are budget cuts, faculty indifference and “administrative greed,” they say, the matter is “far more complex and the obstacles more challenging.”

‘Willfully Ignorant’

Unsurprisingly, adjunct activists found much to criticize.

Joe Fruscione, a former adjunct professor of English and co-founder of Precaricorps, a nonprofit that offers temporary financial assistance to struggling adjuncts, said Brennan and Magness seemed “almost willfully ignorant that many adjuncts are exploited,” with their repeated declarations of having “no stance” on that issue. Over all, he said, their argument seems to imply — falsely — that if “all adjuncts can’t get a raise, none should.”

He said the paper seemed to be “deflecting” some important issues, including by focusing too much on the $15,000 SEIU proposal, which some have said is too ambitious.

“Yes, that’s high, but this doesn’t mean adjuncts should get paid $2,700 per course on average,” Fruscione said. “There’s a large financial middle ground here, and [they’re] seeing the majority of adjuncts as hobby professors who teach for ‘fun.’ This may have been the majority in the 1970s or 1980s, but it’s not true for the majority now. Most adjuncts don’t have a separate, full-time income stream to make college teaching ‘fun.’”

Carol Nieters, executive director of SIEU Local 284, which represents adjuncts at Hamline University in Minnesota, defended the $15,000 per-course pay and benefits figure, saying it’s “really about equality, justice and an indicator of whether a campus is investing in instruction and a stable learning environment.”

Overall, she said, the report “pits students against underpaid adjuncts as a way to avoid the real crisis in higher education where faculty are marginalized and students are saddled with outrageous amounts of debt. When one in four families of part-time faculty are enrolled in one or more public assistance programs, we need a dramatic change.”

Fruscione also took issue with the assertion that adjuncts actively choose to work in higher education over other, presumably worse choices. Such as argument would be fine if higher education were truly meritocratic, he said, “but it’s not.” To say adjuncts prefer low-paying jobs “is again problematic, because academia isn’t a level playing field. Whether they see it or not, adjuncts are exploited.”

Responding to criticism that the paper devoted too much attention to SEIU goal, Brennan said in an email interview that it turned out not to be the most expensive proposal considered. That said, he added, the paper attempts to identify some of the “explicit costs as well as some of the opportunity costs” of adjunct goals. “Any money spent helping improve the plight of adjuncts has to come from somewhere, and is not money being spent to, say, reduce tuition for low-income students or reduce student debt.”

Even if the proposal were simply to increase per-class average pay from $2,700 to, say, $5,000, that’s another $3.6 billion nationwide per year, he said. “That money could be spent helping adjuncts, but it could also be spent doing other valuable things, perhaps things that are more pressing from a social justice-oriented point of view.”

Brennan acknowledged that his institution hadn’t opposed an adjunct faculty union affiliated with SEIU (even though some of its Jesuit peers have objected to such drives on religious grounds), and that Georgetown adjuncts — who already received relatively high pay — have seen modest pay increases under their contract that haven’t thrown the campus into financial straits or resulted in mass job losses.

He attributed that to the fact that Georgetown has “deep pockets” compared to most institutions, but also its values. “The Jesuits have an ideal of cure personalis — care for the whole person. That ideal includes principles that require employers to view employees not merely as people with whom they [have an] economic transaction, but as people who deserve respect and extra concern. Rather than interfere with the SEIU, our administration welcomed them.”

Still, Brennan said he hoped the paper highlighted what “no one else seems to notice,” that “realistically, universities can help some adjuncts, but only by firing the rest. Realistically, the adjuncts’ rights movement will benefit a minority of current adjuncts but require the majority to seek employment elsewhere.”

Adrianna Kezar, professor of higher education and director of the Delphi Project on the Changing Faculty and Student Success at the University of Southern California, said the paper nevertheless lacks the impact and “nuance” it’s trying to achieve. The cost calculations are notable to some degree, she said via email, but lack any consideration of university budgets beyond current instructional costs.

In other words, the paper doesn’t examine university budget trends and suggests “costs in other areas could not be decreased to pay for faculty salaries,” Kezar explained. “That is a viable option that is not even considered or addressed. …Assuming many adjuncts have to be fired to pay the remaining more is a flawed examination of the issue[.]”

Another faulty assumption, Kezar said, is that there’s a one-size-fits-all answer of paying all adjuncts equally — something higher education has never done. A better proposal would be for full- or nearly full-time, “mainline,” instructors to earn more as institutions move back to a “true” adjunct model, under which working professionals who teach a class on the side (about 15-20 percent of the faculty) could have a different pay structure.

Beyond the numbers, the paper is a flawed “set of ideological arguments — mostly trying to persuade readers that even beyond cost there is no logical reasoning to make such a redirection of funds,” Kezar said. For example, she said, having more core faculty members teaching introductory courses is actually a good thing, in terms of student success, and her research suggests deans want to see these instructors teaching more lower-level courses and adjuncts teaching more specialized, upper-level courses.

The paper’s one “legitimate” argument might be that class sizes would increase to rectify the pay issue, but classes are generally already “very large,” she said.

Gender Ideology Harms Children

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http://www.acpeds.org/the-college-speaks/position-statements/gender-ideology-harms-children

Gender Ideology Harms Children

The American College of Pediatricians urges educators and legislators to reject all policies that condition children to accept as normal a life of chemical and surgical impersonation of the opposite sex. Facts – not ideology – determine reality.

1. Human sexuality is an objective biological binary trait: “XY” and “XX” are genetic markers of health – not genetic markers of a disorder. The norm for human design is to be conceived either male or female. Human sexuality is binary by design with the obvious purpose being the reproduction and flourishing of our species. This principle is self-evident. The exceedingly rare disorders of sexual differentiation (DSDs), including but not limited to testicular feminization and congenital adrenal hyperplasia, are all medically identifiable deviations from the sexual binary norm, and are rightly recognized as disorders of human design. Individuals with DSDs do not constitute a third sex.

2. No one is born with a gender. Everyone is born with a biological sex. Gender (an awareness and sense of oneself as male or female) is a sociological and psychological concept; not an objective biological one. No one is born with an awareness of themselves as male or female; this awareness develops over time and, like all developmental processes, may be derailed by a child’s subjective perceptions, relationships, and adverse experiences from infancy forward. People who identify as “feeling like the opposite sex” or “somewhere in between” do not comprise a third sex. They remain biological men or biological women.

3. A person’s belief that he or she is something they are not is, at best, a sign of confused thinking. When an otherwise healthy biological boy believes he is a girl, or an otherwise healthy biological girl believes she is a boy, an objective psychological problem exists that lies in the mind not the body, and it should be treated as such. These children suffer from gender dysphoria. Gender dysphoria (GD), formerly listed as Gender Identity Disorder (GID), is a recognized mental disorder in the most recent edition of the Diagnostic and Statistical Manual of the American Psychiatric Association (DSM-V). The psychodynamic and social learning theories of GD/GID have never been disproved.

4. Puberty is not a disease and puberty-blocking hormones can be dangerous. Reversible or not, puberty- blocking hormones induce a state of disease – the absence of puberty – and inhibit growth and fertility in a previously biologically healthy child.

5. According to the DSM-V, as many as 98% of gender confused boys and 88% of gender confused girls eventually accept their biological sex after naturally passing through puberty.

6. Children who use puberty blockers to impersonate the opposite sex will require cross-sex hormones in late adolescence. Cross-sex hormones are associated with dangerous health risks including but not limited to high blood pressure, blood clots, stroke and cancer.

7. Rates of suicide are twenty times greater among adults who use cross-sex hormones and undergo sex reassignment surgery, even in Sweden which is among the most LGBQT – affirming countries. What compassionate and reasonable person would condemn young children to this fate knowing that after puberty as many as 88% of girls and 98% of boys will eventually accept reality and achieve a state of mental and physical health?

8. Conditioning children into believing a lifetime of chemical and surgical impersonation of the opposite sex is normal and healthful is child abuse. Endorsing gender discordance as normal via public education and legal policies will confuse children and parents, leading more children to present to “gender clinics” where they will be given puberty-blocking drugs. This, in turn, virtually ensures that they will “choose” a lifetime of carcinogenic and otherwise toxic cross-sex hormones, and likely consider unnecessary surgical mutilation of their healthy body parts as young adults.

Michelle A. Cretella, M.D.
President of the American College of Pediatricians

Quentin Van Meter, M.D.
Vice President of the American College of Pediatricians
Pediatric Endocrinologist

Paul McHugh, M.D.
University Distinguished Service Professor of Psychiatry at Johns Hopkins Medical School and the former psychiatrist in chief at Johns Hopkins Hospital

Millennial fired after 2 hours

talia-janes-pic-on-twittermillenial_fired_two_hours

-from http://www.nydailynews.com/news/national/yelp-employee-complained-pay-online-post-fired-article-1.2540497

-by TOBIAS SALINGER NEW YORK DAILY NEWS Monday, February 22, 2016, 9:25 PM

A Yelp customer service rep got fired because she posted this letter to the company’s CEO on the website Medium on Friday, she said.
A Yelp employee who slammed the company’s wages got fired after her letter to Yelp CEO Jeremy Stoppelman went live online Friday.

The 25-year-old woman who goes by “Talia Jane” revealed what it’s like living in San Francisco on her $1,466-per-month and $8.15-per-hour salary after taxes in a post called “Dear Jeremy” on the website Medium.

Company executives at the restaurant rating service featuring 95 million user-generated eatery reviews denied she got canned over the viral post. Yet Jane – whose real name has been withheld from media reports – said she received word from her former employer that she lost her job because the post violated company policy.

“Every single one of my coworkers is struggling. They’re taking side jobs, they’re living at home. One of them started a GoFundMe because she couldn’t pay her rent. She ended up leaving the company and moving east, somewhere the minimum wage could double as a living wage,” Jane wrote in the post.

“Another wrote on those neat whiteboards we’ve got on every floor begging for help because he was bound to be homeless in two weeks. Fortunately, someone helped him out. At least, I think they did. I actually haven’t seen him in the past few months. Do you think he’s okay?”

Jane, a customer service rep, was spending about 80% of her income on rent at her East Bay apartment, with little left over to pay utilities or transit fees, she wrote.

She said bread, which is free on the eighth floor of tech firm’s plush San Francisco office, was a luxury she couldn’t afford at home. Her poverty caused her to depend on a 10-pound bag of rice for meals, and a CVS employee felt so bad for her he loaned her $6 out of his own pocket when he heard her discussing her struggles with her boss, she said.

A Yelp spokeswoman declined to discuss her compensation or firing. She said in a statement that the company is expanding staff in its Phoenix office in part because executives “agree with her remarks about the high costs of living in San Francisco.” Stoppelman himself responded to Jane’s post in a series of tweets Saturday.

“I’ve not been personally involved in Talia being let go and it was not because she posted a Medium letter directed at me,” Stoppelman said. “Two sides to every HR story so Twitter army please put down the pitchforks.”

His former employee spoke in an interview with business news site Quartz about the more than $1,800 she’s received in donations since the post as well as backlash she got over past food pictures she displayed on social media. She was asked what she had in mind when she decided to write the letter.

“I know this sounds naive, but the original plan was I didn’t have a plan. I woke up hungry, and I thought I would send some tweets to the CEO and maybe he would see them,” she said. “I was looking at them and thought, ‘These are stupid. This doesn’t show any sense of validity or urgency. This is just a person being annoying.’”

She continued, “I figured I would write this all out. … And then everything f——- exploded.”

talia jane

An Open Letter To My CEO

Dear Jeremy,

When I was a kid, back in the 90s when Spice Girls and owning a pager were #goals, I dreamed of having a car and a credit card and my own apartment. I told my 8-year old self, This is what it means to be an adult.

Now, seventeen years later, I have those things. But boy did I not anticipate a decade and a half ago that a car and a credit card and an apartment would all be symbols of stress, not success.

I left college, having majored in English literature, with a dream to work in media. It was either that or go to law school. Or become a teacher. But I didn’t want to become a cliche or drown in student loans, see. I also desperately needed to leave where I was living — I could get into the details of why, but to sum up: I wanted to die every single day of my life and it took me several years to realize it was because of the environment I was in. So, I picked the next best place: somewhere close to my dad, since we’ve never gotten to have much of a relationship and I like the weather up here. I found a job (I was hired the same day as my interview, in fact) and I put a bunch of debt on a shiny new credit card to afford the move.

Coming out of college without much more than freelancing and tutoring under my belt, I felt it was fair that I start out working in the customer support section of Yelp/Eat24 before I’d be qualified to transfer to media. Then, after I had moved and got firmly stuck in this apartment with this debt, I was told I’d have to work in support for an entire year before I would be able to move to a different department. A whole year answering calls and talking to customers just for the hope that someday I’d be able to make memes and twitter jokes about food. If you follow me on twitter, which you don’t, you’d know that these are things I already do. But that’s neither here nor there. Let’s get back to the situation at hand, shall we?

So here I am, 25-years old, balancing all sorts of debt and trying to pave a life for myself that doesn’t involve crying in the bathtub every week. Every single one of my coworkers is struggling. They’re taking side jobs, they’re living at home. One of them started a GoFundMe because she couldn’t pay her rent. She ended up leaving the company and moving east, somewhere the minimum wage could double as a living wage. Another wrote on those neat whiteboards we’ve got on every floor begging for help because he was bound to be homeless in two weeks.

Fortunately, someone helped him out. At least, I think they did. I actually haven’t seen him in the past few months. Do you think he’s okay? Another guy who got hired, and ultimately let go, was undoubtedly homeless. He brought a big bag with him and stocked up on all those snacks you make sure are on every floor (except on the weekends when the customer support team is working, because we’re what makes Eat24 24-hours, 7 days a week but the team who comes to stock up those snacks in the early hours during my shift are only there Mondays through Fridays, excluding holidays. They get holidays and weekends off! Can you imagine?). By and large, our floor pummels through those snacks the fastest and has to roam other floors to find something to eat. Is it because we’re gluttons? Maybe. If you starve a pack of wolves and toss them a single steak, will they rip each other to shreds fighting over it? Definitely.

I haven’t bought groceries since I started this job. Not because I’m lazy, but because I got this ten pound bag of rice before I moved here and my meals at home (including the one I’m having as I write this) consist, by and large, of that. Because I can’t afford to buy groceries. Bread is a luxury to me, even though you’ve got a whole fridge full of it on the 8th floor. But we’re not allowed to take any of that home because it’s for at-work eating. Of which I do a lot. Because 80 percent of my income goes to paying my rent. Isn’t that ironic? Your employee for your food delivery app that you spent $300 million to buy can’t afford to buy food. That’s gotta be a little ironic, right?

Let’s talk about those benefits, though. They’re great. I’ve got vision, dental, the normal health insurance stuff — and as far as I can tell, I don’t have to pay for any of it! Except the copays. $20 to see a doctor or get an eye exam or see a therapist or get medication. Twenty bucks each is pretty neat, if spending twenty dollars didn’t determine whether or not you could afford to get to work the next week.

Did I tell you about how I got stuck in the east bay because my credit card, which amazingly allows cash withdrawals, kept getting declined and I didn’t have enough money on my BART Clipper card to get to work? Did I tell you that my manager, with full concern and sympathy for my situation, suggested I just drive through FastTrak and get a $35 ticket for it that I could pay at a later time, just so I could get to work? Did I tell you that an employee at CVS overheard my phone call with my manager and then gave me, straight from his wallet, the six dollars I needed to drive into work? Do you think CVS pays more than Yelp? I worked a job similar to one at CVS. A manager spends half an hour training you on the cash register, you watch a video, maybe take a brief quiz, and you’re fully trained to do the entire job. Did you know that after getting hired back in August, I’m still being trained for the same position I’ve got? But Marcus at CVS has six dollars in his wallet, and I’m picking up coins on the street trying to figure out how I’ll be able to pay him back.

Speaking of that whole training thing, do you know what the average retention rate of your lowest employees (like myself) are? Because I haven’t been here very long, but it seems like every week the faces change. Do you think it’s because the pay your company offers is designed to attract young people with no responsibilities, sort of like the CIA? Except these people don’t even throw away their trash, because they still live at home and this is their very first job and they don’t have to take an aptitude test like at the CIA. Do you know how many cash coupons I used to give out before I was properly trained? In one month, I gave out over $600 to customers for a variety of issues. Now, since getting more training, I’ve given out about $15 in the past three months because I’ve been able to de-escalate messed up situations using just my customer service skills. Do you think that’s coincidence? Or is the goal to have these free bleeders who throw money at angry customers to calm them down set the standard for the whole company? Do you think there’s any point in training a customer service agent to learn and employ customer service skills? Or is it better to attract those first-time employees with their poor habits and lack of work ethic with the same wage part-time employees at See’s Candies make for standing by the door in a stupid outfit and handing out free chocolate? Do you think those free chocolates cost $600 a month per employee? Have you ever seen an angry See’s Candies customer? You know what I could do with $600 extra a month? For starters, I probably wouldn’t have to take money from Marcus at CVS just to get to work.

Will you pay my phone bill for me? I just got a text from T-Mobile telling me my bill is due. I got paid yesterday ($733.24, bi-weekly) but I have to save as much of that as possible to pay my rent ($1245) for my apartment that’s 30 miles away from work because it was the cheapest place I could find that had access to the train, which costs me $5.65 one way to get to work. That’s $11.30 a day, by the way. I make $8.15 an hour after taxes. I also have to pay my gas and electric bill. Last month it was $120. According to the infograph on PG&E’s website, that cost was because I used my heater. I’ve since stopped using my heater. Have you ever slept fully clothed under several blankets just so you don’t get a cold and have to miss work? Have you ever drank a liter of water before going to bed so you could fall asleep without waking up a few hours later with stomach pains because the last time you ate was at work? I woke up today with stomach pains. I made myself a bowl of rice.

Look, I’ll make you a deal. You don’t have to pay my phone bill. I’ll just disconnect my phone. And I’ll disconnect my home internet, too, even though it’s the only way I can do work for my freelance gig that I haven’t been able to do since I moved here because I’m constantly too stressed to focus on anything but going to sleep as soon as I’m not at work. Should I sell my car? It’s not my car, actually, it’s my grandpa’s. But the back left tire is flat and the front right headlight is out and the registration is due to be renewed in April and I already know I can’t afford any of that. I haven’t even gotten an oil change since I started this job (in August). But maybe I could find someone on Craigslist who won’t mind all of that because they’ll look at the dark circles under my eyes and realize I need the cash more than they do.

How about this: instead of telling you about all the ways I’m withering away from putting my all into a company that doesn’t have my back, I offer some solutions. I emailed Mike, Eat24’s CEO, about a few ideas to give back to our community for the holidays. He, along with someone named Patty, politely turned them down. But maybe you could repurpose them?
Originally, I suggested that Eat24/Yelp employees volunteer at local soup kitchens and food banks to give back to our Bay Area community (I see on your twitter that you care deeply about the homeless epidemic in our city) while also helping the different departments meet and mingle. Maybe instead, you can help set up something to allow Eat24/Yelp employees to get food from local food banks and soup kitchens? I’m pretty proficient at rice, but some hot soup would sure make up for not being able to afford to use my heater.

Originally, I suggested that Eat24 offer a matching donation with customers where they can choose a donation amount during checkout and Eat24/Yelp would match it and donate those profits to a national food program. Maybe instead, you can let customers choose a donation amount during checkout and divide those proceeds among your employees who spend more than 60% of their income on rent? The ideal percent is 30%. As I said, I spend 80%. What do you spend 80% of your income on? I hear your net worth is somewhere between $111 million and $222 million. That’s a whole lotta rice.

Originally, I suggested that Eat24 offer special coupon codes where half of the code’s value ($1) goes to charity. Maybe instead, you can give half the code’s value ($1) to helping employees who live across the bay pay their transit fares? Mine are $226 monthly. According to this website, you’ve got a pretty nice house in the east bay. Have you ever been stranded inside a CVS because you can’t afford to get to work? How much do you pay your gardeners to keep that lawn and lovely backyard looking so neat?

I did notice — and maybe this was just a fluke — that Yelp has stopped stocking up on those awful flavored coconut waters. Was that Mike’s suggestion? Because I did include, half-facetiously, in that email he and Patty so politely rejected that Yelp could save about $24,000 in two months if the company stopped restocking flavored coconut waters since no one drinks them (because they taste like the bitter remorse of accepting a job that can’t pay a living wage and everyone kept falling over into the fetal position and hyperventilating about their life’s worth. It really cut into the productivity that all those new hires are so prolific at avoiding). I wonder what it would be like if I made $24,000 more annually. I could probably get the headlight fixed on my car. And the flat tire. And maybe even get the oil change and renewed registration — but I don’t want to dream too extravagantly. Maybe you could cut out all the coconut waters altogether? You could probably cut back on a lot of the drinks and snacks that are stocked on every single floor. I mean, I could handle losing out on pistachio nuts if I was getting paid enough to afford groceries. No one really eats the pistachios anyway — have you ever tried answering the phone fifty times an hour while eating pistachios? Those hard shells really get in the way of talking to hundreds of customers and restaurants a day.

Anyway, those are my thoughts. I know they’re not worth your time — did you know that the average American earns enough money that the time they would spend picking up a penny costs more than the penny’s worth? I pick up every penny I see, which I think explains why sharing these thoughts is worth my time, even if it’s not worth yours.

Your Friend In Food,
Talia

UPDATE: As of 5:43pm PST, I have been officially let go from the company. This was entirely unplanned (but I guess not completely unexpected?) but any help until I find new employment would be extremely appreciated. My PayPal is paypal.me/taliajane, my Venmo is taliajane (no hyphen). Square Cash is cash.me/$TaliaJane. Thank you so much for helping my story be heard.

Corporate meets Academia

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single hand of drowning man in sea asking for help
single hand of drowning man in sea asking for help
Happy group of students sitting at the park talking
Happy group of students sitting at the park talking

This is hard for you because you think of the students as cuddly bunnies, but you can’t. You just have to drown the bunnies … put a Glock to their heads.” – Mr. Simon Newman, previously President of Mount St Mary’s University, a Los Angeles equity fund manager.

By Paul McMullen, 12/17/14
[email protected]
Twitter@ReviewMcMullen

EMMITSBURG, MD – “Simon Newman told an executive search committee that after nearly three decades “making very rich people richer,” he was looking for a change.

It is not, however, as if the Los Angeles-based financial executive had patterned his life after Gordon Gekko, Hollywood’s 1980s model of greed.

Newman founded software companies, led turnarounds, turned a tidy profit in the European pay-TV market and raised more than $3 billion in equity funding.”

FTC gives online high schools a failing grade

-by Truman Lewis

Little more than diploma mills, FTC says.

Just about every high school kid would like to cut class and study at home, which usually translates to sleeping, texting, and gaming. But that doesn’t mean that online “high schools” offer anything of value.

In fact, the Federal Trade Commission says two online high schools are little more than diploma mills that mislead consumers into thinking they can get a legitimate diploma or GED for as little as $135.

“The defendants took advantage of people who wanted a high school diploma,” said Jessica Rich, Director of the FTC’s Bureau of Consumer Protection. “If a company says you can get a diploma in no time at all or by simply taking an online test, it’s almost certainly a scam.”

In its federal court complaints, the FTC alleges that the “schools” mislead consumers about their legitimacy, using names like West Madison Falls High School, Columbia Northern High School, Stafford High School, and many others.

Documents filed by the FTC in both cases allege that the operations bought a number of website names designed to look like legitimate online high schools and use deceptive metatags with terms like “GED” and “GED online” to bring the bogus sites higher in search rankings. Once consumers arrive at the schools’ sites, they are met with messages that imply that the diplomas offered by the defendants are equivalent to an actual high school diploma.

According to the FTC documents, the “courses” amount to four untimed, unmonitored multiple-choice tests, requiring that students answer 70 percent of each test correctly.

The defendants also mislead consumers with statements about membership in accrediting bodies that do not exist and are creations of the defendants themselves, according to the FTC’s complaints.

Feds create unit to police for-profit colleges

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-official collegiate sportswear of scamU!!!!

-by Mark Huffman

“The problems students have had with some for-profit school are well documented. Remember Corinthian College?

You don’t have to have a long memory. In September 2014 the U.S. government sued the for-profit college for what it called an illegal predatory lending scheme.

The Consumer Financial Protection Bureau (CFPB) charged that Corinthian lured tens of thousands of students to take out private loans to cover expensive tuition costs by advertising bogus job prospects and career services. To make matters worse, CFPB said Corinthian then used illegal debt collection tactics to strong-arm students into paying back those loans while still in school.

Before it declared bankruptcy and closed less than a year later, thousands of students had borrowed huge sums to attend, with nothing to show for it.

Proactive move
Now, the Department of Education wants to make sure potential train wrecks like Corinthian cross its radar screen before consumers have been harmed. It has announced creation of a Student Aid Enforcement Unit to respond more quickly and efficiently at the first suggestions of trouble.

“When Americans invest their time, money and effort to gain new skills, they have a right to expect they’ll actually get an education that leads to a better life for them and their families,” Acting Secretary of Education John B. King Jr. said in a release. “When that doesn’t happen we all pay the price. So let me be clear: schools looking to cheat students and taxpayers will be held accountable.”

To head up the unit, Robert Kaye is coming over from the Federal Trade Commission (FTC), where he was a top enforcement attorney.

Four divisions
The new unit will have four divisions that will perform special roles. The Investigations Group will be the early warning system, on the lookout for potential misconduct or high-risk activity among higher education institutions so that it can protect federal funding.

The Borrower Defense Group will provide legal support, It will analyze claims and make injury determinations.

The Administrative Actions And Appeals Service Group will impose administrative actions, such as suspending an institution and levying a fine. It will also try to resolve appeals by program participants.

The Clery Group will make sure for-profit colleges comply with the Jeanne Clery Disclosure of Campus Security Policy and Campus Crime Statistics Act, requiring colleges and universities participating in federal financial aid programs to disclose campus crime statistics and security information.”

How your college major influences your attractiveness to lenders

Study finds that certain majors are more creditworthy than others due to lower DTI ratios

Certain majors can often beg the question, “What do you plan to do with that?” A valid question, given that college graduates are now leaving school with an average of $35,000 in student loan debt.

Being saddled with a financial burden that large can make it hard to move forward with other goals. In a Gallup survey, one in four people said they pushed back their timeline for important post-grad milestones like buying a house, a car, or starting a family. Nineteen percent even said their student debt burden was an obstacle to getting married.

To avoid having to delay these important post-grad milestones, it’s crucial to take into account how your major can influence your attractiveness to lenders. So what exactly do lenders consider before deeming an individual financially healthy enough to borrow money?

DTI ratio

According to a report released recently by Credible, debt-to-income (DTI) ratio is a huge factor in determining if an individual is financially healthy enough to be given a loan. And when judging a person’s ability to repay a loan, the lower the DTI the better.

“A person’s DTI can be a yes/no factor for a lender, regardless of the person’s job history,” Credible’s chief executive officer, Stephen Dash tells Bloomberg Business. A DTI of 36% or lower is the “sweet spot,” according to the National Foundation for Credit Counseling (NFCC).

To find the DTI for different majors, Credible looked at the debt load and college major of students in its study sample and added in their estimated car, rent, and credit card payments. It divided its estimates of monthly debt payments into the average monthly income numbers for each degree type. And in what may or may not come as a surprise, psychology doesn’t rank too high on the “creditworthy” graduates list.

Medicine majors
College graduates who studied medicine were in the best shape, financially, to pay back their student loans — much better than those who studied psychology, says Credible.

Degrees in pharmacy, dentistry, and post-graduate medicine had the lowest DTI ratios, the report showed. More than any other majors, these students go on to land salaries that are high enough to offset their student debt, making them loan-worthy.

The majors that made it the hardest to pay back debt include history, education, and psychology. However, if students attend graduate school for one of those subjects, they’ll be able to shift their salary-to-debt ratio more in their favor, thus lowering their DTI ratio says Dash.

Feds sue DeVry University, charging its ads were deceptive

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Promises that students would find jobs in their field didn’t pan out, FTC suit alleges

DeVry University is the latest for-profit college to run afoul of regulators. The Federal Trade Commission has sued DeVry, alleging that its advertisements deceived consumers about the likelihood that students would find jobs in their fields of study and would earn more than those graduating with bachelor’s degrees from other colleges or universities. DeVry said it will “vigorously fight” the complaint.

“Millions of Americans look to higher education for training that will lead to meaningful employment and good pay,” said FTC Chairwoman Edith Ramirez. “Educational institutions like DeVry owe prospective students the truth about their graduates’ success finding employment in their field of study and the income they can earn.”

In its complaint, the FTC says DeVry claims that 90% of graduates landed jobs in their field within six months — a claim the feds say is deceptive. The suit also alleges DeVry’s claim that its graduates had 15% higher average incomes one year after graduation than the graduates of all other colleges or universities was deceptive.

Melanie of Suamico, Wisconsin, recently recounted her experience with DeVry in a ConsumerAffairs review.

“When I graduated in 2010 with a computer bachelor’s degree I was excited to get my job and start my career. Well I was fooled,” she said. “I got no help from the school (even though I asked for help), I put in hundreds of resumes/apps on my own and got nothing. It is almost like the companies look at the degree that says DeVry on it and they run the opposite direction. I was thinking that I was doing something wrong, but the only thing I did wrong was trust that DeVry would help me get a job.”

DeVry says it will “vigorously fight” the charges. “DeVry University measured the employment and earnings results of its graduates in a sound, rational and transparent basis,” the company said in a prepared statement.

“DeVry Group believes that the FTC’s complaint – filed 40 years after DeVry University began publishing accurate graduate employment statistics – is without a valid legal basis. In addition, the FTC’s complaint contains anecdotal examples that exaggerate the allegations but do not prove them,” DeVry said. “DeVry University measures the employment and earnings results of its graduates on a sound, rational and transparent basis, and has published these results in a consistent manner over the years to provide students meaningful information.”

The FTC’s suit notes that a DeVry television ad showed people in business attire hanging hundreds of “offer letters” on a wall, with a voiceover that said all of the offer letters seen came from just the last year – followed by the 90% claim. The complaint alleges that DeVry counted numerous graduates as working “in their field” when they were not.

That might sound familiar to Gary of Wappingers Falls, N.Y., who said that despite getting his degree and going $62,000 in debt, he has been unable to find a job.

“When I joined the college they stated that they had a 92% placement for graduates within 6 months in their field of study,” he said. “If I could trade my worthless degree for satisfaction of my student debts, I would do it in heartbeat.”

“The college was no help in setting me up with any interviews, they only looked at my resume and made suggestions. I have been on my own since I graduated and have had no luck,” Gary added. “I currently work as a courier to pay my bills, which I could have done without a college degree.”

DOE action

In a related action, the U.S. Department of Education is also taking action against DeVry for its marketing practices. It is providing notice to DeVry that it will be requiring the institution both to stop certain advertising regarding the post-graduation employment outcomes of its students and to take additional steps to ensure that DeVry can substantiate the truthfulness of its post-graduation employment outcomes.

“As required by the law and expected by the public, institutions need to be accurate in their marketing and recruiting to prospective students. And we confirm this truthfulness of advertisements through the backup information schools provide upon request,” said Under Secretary of Education Ted Mitchell. “The Department and the FTC’s related announcements today are the result of much collaboration and cooperation. We are grateful to our partners at the FTC for their hard work and dedication on this matter.”