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Online Best College asked:


Is it time to junk the Electoral College? By formulating such an arcane method of electing the executive, the founding fathers hoped to insulate the presidency from popular emotions while, at the same time, protecting thinly populated states from domination by the great cities. The College works by having the state legislatures pick people to vote for the President. Each state has the number of electors as it has representatives to the congress, both House and Senate. These were to be the most able people of the state…in theory. What quickly evolved was that each party would nominate a slate of electors. The political party that won the state’s popular vote would have their slate of electors get the right to vote for President. A “win” was considered 50% plus one vote This has been the method of electing our Presidents since the founding of the republic. There have been consequences not intended by the founders. They have shaped what kind of party system we have. The structure of elections has determined the ways campaigns are run. They have even affected the way in which our government is organized. The “winner-take-all” system also shapes the campaign. Since only one vote more than the competing party is required, there is no reason to give campaign resources to states where a particular candidate is well ahead or too far behind to compete. The battlegrounds are those states that could go either way. In a tight campaign the votes of small states become critical in putting together an electoral majority. Because a state’s entire electoral vote is determined by which party gets one vote more than the next, there is no advantage in voting for a party that will come short of that goal. Ten percent means no vote at all. It makes sense then that we have two parties because that’s the surest way to win the privilege of casting the electoral vote. While third parties might have influence at the state level, it is almost impossible to have an effect at the Presidential level. A popular-vote election means Presidential candidates no longer visiting small, closely contested states. It reduces their influence. The electoral wars will be waged only in the large cities. The changes don’t stop there. Remember, we now nominate candidates by state primaries. Electing people by a national popular vote would cause those to merge into a national primary. After all, if states no longer elect the President, why should they nominate the candidate? There’s a whole new national campaign. college map college map A popular election of the President would change that. No longer would a national campaign be necessary. A President, political scientists tell us, could be elected in the six largest TV. markets. Campaigns would be waged in the large cities and their suburbs. Rural areas would be completely ignored. That is especially true for Democrats. The parties would spend their resources in those areas where they are already strong. Political professionals know it’s easier to expand the percentage of your vote in places you’re already ahead. That is seen today. Republicans don’t waste their resources in mainly African-American areas. Nor do the Democrats campaign in strong Republican precincts. The process has become longer and more expensive. But, that’s not the end. Would a party want its candidate to be one with only, say, 20% of the vote? Probably not. A national run-off primary will evolve to insure one candidate wins 50%.. Electoral college map with numbers electoral college map with numbers

college supply list

Another problem now rears its ugly head…the national election. Recall that the Electoral College and the winner-take-all system forced the parties to campaign state by state. Since only a one-vote majority was required to carry that state, third parties found it impossible to exist. They could never have an influence. Not so with a popular vote election. Here a small party getting fifteen or twenty percent could have a large impact on who is elected. In fact, the vote could be spread among several small political parties. Would the nation be content with the President being elected with, say, 30% of the popular vote? Maybe not. There is a way around the problem. The old One-Party-Democratic-South solved it. It’s called the run-off election. Now there are four possible national campaigns: the first national primary, the run-off national primary, the national election, and the run-off national election. Another effect is one that strikes at the government itself. It’s likely that a multi-party system would evolve with elected officials from many different small ideological groups. How would the government work? Our national government is organized around two parties. Could it accommodate coalitions? There is no way to tell. All of the governments that have multi-party systems are Cabinet governments. There are built in mechanisms for bringing down the government and holding new elections when the governing coalition loses public support. Our constitution has no provision for such a circumstance. It’s possible the popular election of the President would force the U. S. to completely change its government from a Presidential to a Cabinet form. Some people argue that would be a good thing. It would, they say, make the government more responsive. They’re right. But, it would also make it unstable. Our constitution creates government that is slow to respond because the framers wanted ideas to have time for thorough review and debate before they were made into national policy.

Anamika Gupta asked:


college sports scholarship program

Supposedly you are a high school athlete who want to continue his sports career and has high hopes in entering the varsity when you go to college. visit now http://e-student-loan.blogspot.com

You are confident enough that you will be able to attract the attention of college varsity coaches who might offer you some scholarship money that will help you a lot with regards to your college studies. You are aware that studying in college is expensive, and your parents may not afford it. Thus, you are using your talent as your capital in getting into any college sports scholarship program and at the same time continue your passion—being an athlete.

Thus, you need to start some research so that you will be able to arrive with a college sports scholarship program. But where will you start? Getting a college sport scholarship is probably a new thing to you, and definitely you will start from scratch, constantly wondering where to beginyour researching tasks.

How about getting the famous Peterson’s guidebook about getting a college sports scholarship? Instead of spending long hours in front of your personal computer and yet ending up with nothing, you may consider reading this guidebook and learn how to grab the best college sports scholarship that will match your college needs.

Published in August , this Peterson’s guidebook complete title is Peterson’s Sports Scholarship and College Athletic Programs, which is an “all-inclusive, college-by-college look at different college sports scholarships, intercollegiate athletic programs, and other financial information that is intended for high school athletes who want to continue playing at intercollegiate level and at the same time having the financial difficulty of getting to college”.

Sounds interesting, doesn’t it?

It scans different college sports scholarships available in the United States. The guidebook’s content reveals the detail of various athletic programs from over 1,700 two- and four-year schools, including their respective national association and conference affiliations. From this guidebook, you will also get the names and contact numbers of college team coaches, descriptions of sports facilities, and graduation rates for student-athletes. In addition, it also lists around 30 types of sports games (everything from basketball to wrestling), both for men and women as well as their cross references from other schools offering those sports. Thus, you will be able to check if your sport is among the ones that offers college sports scholarship.

Here is the summary of the contents of Peterson’s Sport Scholarship and College Athletic Programs:

• The Recruiting Process, which tackles finding your perfect fit with regards to college athletics, and other recruitment-related issues.

• Coach’s Forum, which includes views of head coaches of different sports in various colleges and universities across the United States.

• The NCAA (National Collegiate Athletic Association) Guide for College-Bound Student Athlete, which tackles the eligibility-requirements of student athlete to different college sports scholarships as well as NCAA initial-eligibility clearinghouse.

• The alphabetical listings of various college athletic programs.

• Indexes, which include geographic listings of various college athletic programs, which is also sorted according to the sport and division where it belongs.

Through the Peterson’s Sport Scholarship and College Athletic Programs Guidebook, you will be able to reach your dream of becoming a college-bound student athlete while at the same time getting your college degree. It is the best gift that you can give to yourself, so do not ever miss the opportunity to do so. visit now http://e-student-loan.blogspot.com

 

Tim White asked:


The future of radio is at stake. As we quickly move into the 21st Century, our consumers are changing their listening mediums and we must stay abreast of those listening needs and modes.

Traditional college radio broadcasts may be lost in translation if they cannot keep up with technological changes. Some radio broadcast owners are ignoring these trends, which may hurt their ratings if listeners increasingly move away from traditional college radio to college radio on the Internet. Still others perceive college radio on the Internet as a dead medium, however it can be revived if colleges continue to research listener audiences and trends.

Benefits of Having College Radio on the Internet

1. More formats are available than traditional FM college radio stations. Hundreds are available from jazz and blues to Broadway and opera, to Indie rock and adult alternative and many more.

2. Ability to listen while in multiple places such as home, work, college, library or wherever you have available broadband access.

3. With college radio on the Internet, there is no “dead air”. Some college and traditional radio stations have their last broadcast ending at midnight, and the next one starts between five and seven in the morning. However, utilizing college radio on the Internet and the growing demand from students and consumers, this has the potential to increase funding and the listening audience base.

4. Set and leave it on one station without having to remember station call letters or numbers. No longer do listeners have to remember where they heard their favorite tunes on the dial. Having a college radio on the Internet can be easily bookmarked in your Favorites’ list or even set as your homepage.

5. Colleges are able to increase their fan base among alumni and exchange students because with having college radio on the Internet, it can be accessed worldwide.

6. Many college radio stations on the Internet tout commercial-free listening or at least minimal interruptions. This is an important advantage for listeners who do not like all the interruptions between songs or song sets with station breaks and commercials which can last two minutes or longer.

7. Allows more opportunities for unsigned bands and musical talent to be heard on the radio. With additional opportunities for more format types, bands of all styles will have a medium in which to play their music for a specific audience. As with MySpace, unsigned or lesser known musicians and bands are trying to gain an audience base and frequently release a couple of their songs so members can upload them to their homepages. College radio on the Internet can increase that audience base by featuring the group or musician on its station and have listeners send their comments via email, blog, online poll or phone call.

8. Unlike a traditional radio station, college radio on the Internet enables listeners to skip a song. If the listener does not care for the song, he or she can merely select “skip” and move onto the next song. Only college radio on the Internet and satellite stations have this advantage.

There are many benefits to keeping college radio on the Internet. Although some college stations have abandoned this medium because it did not reap the rewards as quickly as was expected, now it has listeners’ ears and they have more invested interest with this medium.

The top online radio networks include Shoutcast, Radio@AOL, and MSN Music as reported by MeasureCast, a company which provides next day audience size and demographic reports for online media networks. Only the top college radio stations online have made the top 10 list, which include a few Ohio college radio station programs too.

The top college radio broadcasts include KALX, Berkeley, CA; WNYU, New York, NY; and KTRU, Houston, TX, which was reported by Radio-Locator.com. Furthermore, a notable Ohio college radio station has a list of eight college radio on the Internet stations that are broadcasted from various locations across the U.S., especially where a broadcasting school is located. Colleges and universities who have the ability and interest to support college radio on the Internet stations are able to employ its own students to undertake all tasks and responsibilities of running the online radio station. Student listeners create an instant audience base because their music interests vary and they are attracted by a variety of formats.

Because Internet based college radio stations can literally reach listeners from all corners of the world, we would think radio station owners would want to continue college radio on the Internet. Futhermore, college radio stations on the Internet, as well as traditional AM/FM formats, can run in tandem with one another without radio tower interference. However, many smaller universities and community colleges are not able to afford to keep such options on the Internet due to failing sponsorship, decreased student population, or fees required to both license music and the radio station.

Check with your local broadcasting school to find out if they continually accept students to become professional radio DJs. If you are interested in learning to become a radio DJ, video or audio producer, or in other radio and TV broadcast careers, then you will want a broadcasting school that is both credible and credentialed. Technology continues to grow and expand, so to keep up with the industry they should have the latest equipment for those wanting to learn how to become a radio DJ on a college radio station on the Internet and other radio broadcast careers.

College Credit Builder asked:


The best student credit cards can be compared at www.goodstudentcreditcard.com.  Responsible credit card use can lead to a lifetime of low-interest rate loan opportunities.  Notwithstanding their limited credit history and minimal income, good students enrolled in colleges and universities throughout the country are often given the valuable opportunity to receive credit and to start building a credit history.  This is an opportunity that should not be taken lightly, particularly in light of the widening credit crisis which has made it difficult for many working Americans with good credit records to receive new credit cards, auto loans and mortgages.  

Student credit cards issued by Discover, Chase and Capital One are tailored for student applicants.  Some of the features offered by these credit card issuers include:

•           No Annual Fee

•           0% Interest for a fixed period of time

•           Cashback Bonuses

•           $0 Fraud Liability Guarantee

During this period of economic instability, uncertainty in the stock market, illiquidity in the credit markets and the softening real estate market, one thing remains constant – students should be given an opportunity to build a credit history.  Responsibility is key.  If you can’t afford to buy it, you should consider saving until you can.  Credit cards are most beneficial when you can afford to pay your balance in full every month.  In these tough economic times, where credit is getting more difficult to come by, it is important to create a strong credit profile by establishing credit early and maintaining a consistent payment history.  Student credit cards issued by Discover, Chase and Capital One are tailored for student applicants. 

Visit www.goodstudentcreditcard.com to apply online in a few short minutes.

http://www.collegecreditbuilder.com/student.htm

Todd Johnson asked:


What you need to know about financial aid BEFORE choosing a college.

With the high cost of a college education, no one wants to pay more than they must. Yet thousands of families pay too much for college every year because they don’t understand the basics of financial aid and don’t know the right questions to ask. So let’s learn what questions to ask.

Basics Part I

There are three types of financial aid for college: grants or scholarships, loans and work-study.

Grants and scholarships are free money that you do not need to pay back.

Most grants and scholarships come from the federal and state government or from the individual college.

Loans need to be paid back after college.

There are many loan programs available from the federal and state government. Most of these loans have fairly low interest rates. There are also private loans available although these generally have a higher interest rate.

Work-study is a job offered on the campus of the college.

Basics Part II

Need based aid vs Merit based aid

Need based aid is given by all colleges to students who have need. Anyone who can’t pay the full cost of the college has need.

A form called the Free Application for Federal Student Assistance (FAFSA) determines the amount of need for federal grants and scholarships. Many highly selective colleges also require a form known as the Profile form The FAFSA form is filled out after January 1 of the year the student will first attend college.

The FAFSA and Profile forms ask questions about the income of the parents and student using information that you gave on your tax returns. These forms also ask questions about the amount of money you have in savings or investments. The Profile form is more detailed than the FAFSA form. Once these forms are completed the government uses the FAFSA form to determine how much your family can pay for college. This is your expected family contribution or your EFC. Your EFC is the same regardless of the cost of the college. Similarly the individual colleges who use the Profile use that form to determine what your family can pay for college.

Your need is the cost of the college you are looking at minus your EFC. For example, if you are looking at a college that costs $20,000 a year and your EFC is $5,000, your need at that college is $15,000. If you are looking at a college that costs $40,000 a year your EFC is still $5,000. Your need at this college is $35,000.

Merit-based aid includes scholarships typically for students who have good grades or have some other special talent such as athletic or musical talent. Most highly selective colleges offer little or no merit-based aid.

Finally, in looking at colleges you should ignore the cost of the college. Yes, you read that right. Ignore the stated cost of the college when you are first deciding which colleges to investigate further. You will see why later in this article.

So now you know the basics. Now comes the fun part: How to save money by asking the right questions.

Questions to ask the colleges

Question 1- What percent of my need do you meet?

Remember that EFC, or expected family contribution that the FAFSA determined? Some colleges will meet 100% of your need. Need again is defined as the cost of the college minus your EFC. So what does it mean if a college says they will meet 100% of your need? It means that once the FAFSA or Profile form has determined how much you can pay for college, the college will pay 100% of the rest of the bill.

Colleges will typically meet the need you have using a combination of grants, loans and work study. Most colleges will award work study and loans first and if there is a need after that, the remaining need will be supplied by grants. The colleges will typically have a standard loan and work study amount that they award and you should ask about what these numbers are when investigating the college.

Let’s see an example of a financial aid award from a college that provides 100% of need with a student who has an EFC of $5,000.

Total cost of college $40,000

Expected family contribution $ 5,000

Need $35,000

Financial aid award

Work study $ 2,000

Loans $ 4,000

Grants $ 29,000

At a college that meets 100% of your need you pay $5,000.

But what happens if the college doesn’t meet 100% of need?

Many less selective colleges don’t pay the total amount of need that their students have. Let’s use the example of our imaginary college from above only this time assume that the school only provides 90% of need.

Total cost of college $40,000

Families expected contribution $ 5,000

Need $35,000

This college only provides 90% of the $35,000 need or $31,500. Thus, your out of pocket expenses are the $5,000 EFC plus an additional $3,500 for a total cost of $8,500.

This example makes it easy to see why a school that meets 100% of need is often a better financial aid “deal” than a school who doesn’t meet all of the families need.

Many of the most expensive private colleges meet 100% of the students need while cheaper public colleges usually meet less than 100% of the need. This means that for many students it can be cheaper to go to an expensive private college than to attend a cheaper state school. Until you know what percent of need the college meets, don’t eliminate a college from consideration just because it is expensive.

Question 2- Do you have merit based aid?

Many colleges that don’t meet 100% of a students need do offer scholarships for some students. If your student is near the top of the application pool for a less selective college they may get some money if they qualify for merit based aid. Thus, in some cases, if the student is willing to look at a less selective college, they may get a better financial aid package. Here are some questions you should ask if the college provides merit aid.

How many merit awards are available?

What is the value of the merit awards available?

What are the qualifications to receive one of these merit awards?

This works even for families that don’t qualify for need based aid at all. If your student can qualify for a merit based award you won’t need to pay the full stated cost of the college.

Question 3- How is financial aid determined after the first year?

Some colleges have a policy of providing good financial aid for the first year and then substantially reducing the grant aid in the following years while increasing the loans. You should ask the college in which you are interested how they determine financial aid after the first year and what the average loan is after the first year. While it is typical that the amount of loans will increase each year if the increase is substantial you will want to take that into consideration.

Question 4- What is the average loan amount at graduation of those students who have loans?

This question will give you the best indication of the amount of loans that this college requires compared to other colleges in which you may be interested. Although most students will have some loans when they graduate, you don’t want this amount to be any more than necessary.

Question 5- What is your policy regarding outside scholarships?

Most colleges will subtract money earned in outside scholarships from your financial aid package. Some colleges will reduce the loan burden by the amount of the scholarship, but other colleges will reduce your grant money. If the college reduces the amount of loans you have to take out that is a benefit to you. There is no benefit to you if the college reduces the grant aid.

Question 6- What is your packaging policy?

Most colleges give a financial aid package that includes grant money, loans and work study. But each college combines this money differently. Specifically you want to know:

What percentage of an aid package from your college is grant vs. self-help (loans, work study)?

The greater amount of grants versus loans and work study the better for the student.

Do you have a preferential packaging policy?

Preferential packaging occurs when a college gives a better financial aid package to a student with a stronger academic background than to another student with the same financial need but with a weaker academic background..

Question 7- What is your four year graduation rate?

What difference does a college’s four year graduation rate make? This is an important question that many people never consider. Another way to phrase this is, How many years of college am I going to have to pay for? If the college has a high four year graduation rate, you will most likely only have to pay for four years of college. However, if the college graduates most students in six years then you can plan on paying for six years of college, not four.

Conclusion

Now that you know something about financial aid, including the questions to ask each college you are considering, you can make an informed decision in paying for a college education and hopefully also save some money.