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first_imgHarvard College announced today (Feb. 24) that it will restore nonbinding early action as part of its admissions process this fall and significantly enhance its recruiting program to assist talented students from modest economic backgrounds in navigating the admissions process. Harvard also announced it will increase its investment in undergraduate financial aid next year to more than $160 million. Currently, more than 60 percent of Harvard College students receive scholarship aid, and the average grant is about $38,000.In 2007, Harvard eliminated its nonbinding early action program on a trial basis and moved to a single admissions deadline, announcing at the time that it would evaluate the impact of the change after several years.“We piloted the elimination of early action out of concern that college admissions had become too complex and pressured for all students, and out of particular concern for students at under-resourced high schools who might not be able to access the early admissions process,” said Harvard President Drew Faust. “Over the past several years, however, interest in early admissions has increased, as students and families from across the economic spectrum seek certainty about college choices and financing. Our goal now is to reinstitute an early-action program consistent with our bedrock commitment to access, affordability, and excellence.”“We looked carefully at trends in Harvard admissions these past years and saw that many highly talented students, including some of the best-prepared low-income and underrepresented minority students, were choosing programs with an early-action option, and therefore were missing out on the opportunity to consider Harvard. We have decided that the College and our students will be best served by restoring an early option,” said Dean Michael D. Smith of the Faculty of Arts and Sciences.Harvard’s concerns about equity and transparency will continue to guide the structure of its admission program. It will maintain a nonbinding approach, which maximizes freedom and flexibility for students. As in the past, students can apply under the single-choice, early-action program by Nov. 1 and will be notified by Dec. 15, at which point students completing financial aid applications will receive notice of their awards. Regular decision will continue to operate as usual, with applications due on Jan. 1 and notification on April 1. All students, whether admitted under early action or regular decision, will have until May 1 to decide whether to attend.To ensure that the return to early action serves Harvard’s commitment to access and diversity across many dimensions, the change in admissions policy will be accompanied by enhancements in the College’s recruiting program, including a new program promoting transparency in college admissions, greater outreach, and targeted staff visits to schools where few students apply early to college; increased involvement of Harvard undergraduates throughout the year in three major recruiting efforts — the Harvard Financial Aid Initiative, the Undergraduate Minority Recruitment Program, and the Undergraduate Admissions Council’s Return to High School Program; and enhanced web features providing families with the ability to calculate the likely net cost to them of sending a child to Harvard, and perspectives from financial aid students on life at Harvard.“The commitment to including first-generation, low-income, and historically disadvantaged minority students in the full spectrum of admissions options is a key feature of this new early-action option,” said Harvard College Dean Evelynn Hammonds. “We have made significant gains in recent years in recruiting larger numbers of these students and in supporting them for success once here. I am very pleased that we are able to re-conceive early action, consistent with these goals, and to work with students based on whatever timetable best meets their needs.”“We continue to be concerned about the pressures on students today, including those associated with college admission,” said Harvard College Dean of Admissions and Financial Aid William R. Fitzsimmons. “In all of our work, we will do everything possible to level the playing field in admissions and encourage all students to make thoughtful choices about how they can best contribute to society.”last_img read more

first_imgCredit unions must consider the safety of their information, both for their own sakes as well as for that of their members. Many credit unions have taken to hiring third-party security consulting companies to meet their needs. What are the top three things to consider when choosing a credit union security consultant?It’s All About the BenjaminsThis is where we put the bottom line up top. The number one thing to consider when bringing on a third-party security consultant is cost.Hiring a security-minded IT expert can cost your credit union a hefty annual sum. In fact, just finding the right person to fill your needs can represent quite a challenge. ShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr continue reading »last_img read more

first_img ShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr Credit card loan balances at credit unions nationwide grew 7.5% in 2018, ending the year at $62.4 billion. Credit card balance growth, however, slowed 1.6 basis points compared to 2017. This was the largest decline of any loan product. As the loan portfolio has expanded, the percentage of credit card loan balances to total loan balances has steadily decreased. Credit card loans accounted for 5.9% of the entire $1.1 trillion credit union loan portfolio at year-end 2018, down 8 basis points from Dec. 31, 2017.Unfunded commitments for credit card lines increased 9.5% year-over-year, indicating that credit unions expanded lines of credit faster than members accessed those lines. As a result, credit card utilization — the ratio of outstanding balances to outstanding balances plus unfunded commitments — declined 40 basis points over the year to 31.7%.Credit card penetration rose to nearly 17.6% in 2018 from 17.5% in the previous year. The number of credit card loans across the country increased 5.0% year-over-year to slightly more than 20.6 million by Dec. 31, 2018. The average balance of these loans was $3,022, a $71 increase from the year prior. The share of the credit card market held by credit unions expanded 29 basis points year-over-year to 6.0% by year-end 2018. continue reading »last_img read more

first_imgDetailed schedule information is available at https://www.dodgecityraceway.com/schedule/. Along with the Stock Cars it will also be a full slate of championship chase action for the Hambelton Racing DCRP Sprint Cars, IMCA Modifieds, IMCA SportMod and IMCA Sunoco Hobby Stocks. By Lonnie Wheatley Saturday’s racing action gets under way at 7:30 p.m. General admission tickets for are $12 for adults while children 11 and under are admitted free when accompanied by an adult.  Pit passes are $30. Drivers in all classes should note that DCRP will begin using Westhold transponders this Saturday night.  Those already with Westhold transponders may use their own while the track will have transponders available for purchase or rent for those that need them. Last year’s special event for the Stock Cars evolved into a true “Shootout” with Hill City’s Kyle Pfeifer battling past Jason Rogers in the closing rounds to secure the win. DODGE CITY, Kan. – Dodge City Raceway Park fires back to action this weekend with the $1,000-to-win IMCA Sunoco Stock Car Shootout presented by Winner’s Circle Feedyards and Factory Direct Fireworks on Saturday night atop the 3/8-mile clay oval in southwest Kansas. last_img read more

first_img“That’s what I do best, man,” he said of his defense.The fine second-half defense notwithstanding, none of this is possible without the game had by Jamal Crawford. Crawford started at one of the guard spots and came through with 37 points. He also doled out eight assists and grabbed six rebounds in just less than 41 minutes.Crawford made all 10 of his free throws, including four in the final 7.3 seconds. He also whipped a pass to Blake Griffin for a 20-foot jump-shot that gave the Clippers (6-4) a 97-94 lead with 17.9 seconds to go.“For him to have a night like he did tonight, that was huge,” Griffin said. “He wasn’t just hitting shots, but he was getting everybody else involved.”The most minutes Crawford had played in a game this season was 29. He motioned for Rivers to take him out early in the fourth quarter after not coming close on a 5-footer. He cracked up reporters when asked about that.“It’s hard taking yourself out of the game, but once I missed that little runner — it was like 5 feet and it was 2 feet short — I went, ‘OK, it’s time,’” Crawford said.It sounded like Pistons coach Stan Van Gundy was kicking himself for Crawford going off the way he did.“He played great,” Van Gundy said. “Honestly, I should have been able to come up with something that would have made it tougher.”Detroit guard Reggie Jackson marveled at the 35-year-old Crawford, who scored on an array of shots while making 12 of 27 — 3 of 7 from 3-point range.“When he gets it going, he is one of the best scorers in the league,” Jackson said.Griffin had another in a long line of fine games. He came through with 34 points on 14-of-25 shooting. He also had eight rebounds, nine assists, two steals and a block.DeAndre Jordan had 10 points and 16 rebounds for the Clippers, and Austin Rivers scored 13.Jackson and Ersan Ilyasova scored 20 points apiece for Detroit and center Andre Drummond had 18 points and 19 rebounds.The Clippers shot 46.8 percent overall, 36.8 percent (7 of 19) from beyond the arc.The Clippers don’t play again until they host Golden State on Thursday. Newsroom GuidelinesNews TipsContact UsReport an Error Having lost four of five, the Clippers on Saturday afternoon took the floor against an improving Detroit Pistons team. With starting guards Chris Paul and J.J. Redick out again with injuries, it was a recipe for another Clippers defeat.That appeared very possible when the Pistons held a 17-point lead midway through the second quarter. But the Clippers started playing defense and came away with a much-needed 101-96 victory before a sellout crowd of 19,060 at Staples Center.Paul (strained groin) and Redick (back spasms) have missed the past two games.One of the keys to victory was slowing down a Detroit team that made seven of its first 13 3-point attempts. The Pistons (5-4) missed their final 14 shots from beyond the arc, finishing 7 of 27 (25.9 percent).center_img Clippers coach Doc Rivers said his team looked “a little different” on defense in the second half.“We got up a little bit more in pick-and-rolls,” he said. “I thought our guards did a better job of going downhill and I thought that allowed our bigs to get back out. And we did some switching as well; we made some adjustments.”The Pistons scored just 36 points in the second half, during which the Clippers put together an all-around solid defensive effort.“I thought Luc (Mbah a Moute) was huge in the game tonight,” Rivers said.Mbah a Moute, a reserve forward who has not played much, played nearly nine minutes.last_img read more

first_imgJustin Turner singled and stole second base in the third inning, only the fifth base he’s stolen this year. Turner was stranded there when Corey Seager struck out to end the inning.Howie Kendrick doubled and stole third base in the fourth inning. This time, the tactic worked. Adrian Gonzalez grounded out and Kendrick, running on contact, scored from third base without a throw. That temporarily tied the game 1-1.When they didn’t steal, the Dodgers at least provided an interesting visual for the left-handed Lester.When Kiké Hernandez led off the game with a four-pitch walk, he took a big lead off first base. Hernandez juked and danced and feigned all sorts of nonsensical moves on the basepaths. But he did not steal. Neither did Seager in the sixth inning or Pederson in the seventh.Why not? LOS ANGELES >> Joc Pederson took five regular-sized steps off first base. Then he tiptoed out … six, seven, eight … until he was past the edge of the grass where it angles into the base line. Pederson bent his knee and rotated his hips 90 degrees, aiming them directly at second base, looking like a 1920s sprinter ready to burst from the start line.This is what Jon Lester saw if he glanced toward first base before delivering a pitch to Yasmani Grandal in the seventh inning of Game 5 of the National League Championship Series.Dodgers manager Dave Roberts promised his team would be aggressive on the bases against Lester, who does not throw to bases to hold runners close. At times the Dodgers were more entertaining than aggressive.They still attempted to steal two bases Thursday and succeeded both times. “They’re not the prototypical base-stealer,” Roberts said of those three. “David Ross (the Cubs’ catcher) throws the ball well. Even Jon Lester, there were some 1.15s, some 1.2s, the number of seconds it took Lester to deliver his pitch. “When you starting getting behind in the game, you don’t want give outs away by just stealing,” Roberts said. “The high fastball that you’re thrown out; it’s just not worth it, where you could get an extra base hit to get the game close. You’ve got to be certain if you’re going to do that.”When Turner stole second, he had a 28.3-foot lead off first base, according to MLB’s Statcast system. When Kendrick stole third, he had a 34.9-foot lead according to MLB , more than a third of the distance covered before he began his sprint.Cubs manager Joe Maddon said the Dodgers didn’t use any tactics that he hadn’t seen earlier in the year.“The most important thing is that Jon throws the ball well to home plate. That’s the most important part of this,” Maddon said. “That gets overlooked. I don’t want him to get caught up in the minutiae of everything else.“We have other things in place to take care of that.”In the end, the Dodgers’ creativity on the bases was reduced to a sideshow. Addison Russell ended the 1-1 tie with his two-run home run in the sixth inning. The Cubs scored five runs in the eighth inning, turning a close game into an 8-4 rout.The Dodgers did not lose for lack of effort on the basepaths.“I thought that when we did get a little bit of traffic, we put a little pressure on (Lester),” Roberts said. “But he’s a great pitcher who competes and finds ways to get outs when he needs to.”center_img Newsroom GuidelinesNews TipsContact UsReport an Errorlast_img read more