Word: systemize
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Camps have been eager to negotiate. Some are even leaving it up to parents to decide what they can afford. In New York City, overnight YMCA camps have started a tiered-payment system in which parents essentially use an honor code to determine whether they need to get up to a $400 discount on the $1,397 tuition for the two-week sessions. As of June, 43% of enrollees had opted to pay the full amount, 13% took $200 off and 44% took all $400 off. (Read "Recession Shopping: 10 Things to Buy Right...
...grads with private loans are exempted as well as those who owe less than they earn in a year (use this calculator to figure out if you qualify). It's all based on a debt-to-income ratio and is fluid and flexible in a way that most government systems are not. And if the Education Department is serious about abolishing the two-track loan system (in which it provides direct loans as well as subsidizes private-lender loans), this is just one more way of convincing borrowers to throw their hat in with the feds...
...least 20% of the questions and making it easier to fill out online. For months now, Duncan has discussed the possibility of making Pell Grants an entitlement or guaranteed benefit like Social Security that would be protected from annual budget cuts. Duncan is also trying to transition to a system in which students get all their college loans from the government, rather than going through banks and other private lenders. The new IBR program does not apply to private loans. (See pictures of the college dorm's evolution...
...constitutional provision requiring a two-thirds majority to pass a budget - the result of a proposition passed in 1933 - means it is far more difficult to raise taxes or pass a budget in California than in other states. For more than 30 years California has been living with a system of minority rule in which 34% of the legislature or a local community can stonewall the majority. Facing this post-Proposition 13 system, California's various interest groups have increasingly used the ballot box to protect themselves - but by so doing have mandated budgetary havoc...
...emissions by around 12 tons each year compared with leaving the streetlights on all night. "We found out that on each stretch of road, people only switch on the lights up to three times each night," explains Frank Bräuer, project leader at Lemgo. "That's why this system works in villages or the outskirts of a town where residents don't need the lights burning all night." But Dial4Light won't work for everyone, he admits: "It wouldn't be suitable for a big city like New York or London, where there's a lot going...