Financial aid totaled $54,000, but Joe Mihalic slashed costs to pay off his $101,000 in student loans. Despite top MBA programs' financial aid, students can still graduate with six-figure debt. ??

By Gail MarksJarvis,?Chicago Tribune (MCT) / May 23, 2012

A woman walks by buildings on the campus of Harvard University in Cambridge, Mass., last week. Including living expenses and lost income from quitting a job, the costs of an MBA at Harvard and other top business schools can reach $300,000, leaving even high-earning grads with huge debts.

Elise Amendola/AP/File

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Joe Mihalic wasn't thinking at all about how he was going to pay off?student?loans?_ which would end up totaling $101,000 _ when he was accepted to Harvard Business School.

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"I assumed all would take care of itself; that I would go to Harvard, get a high-paying job, and everything would be OK. I was completely naive."

Then, when he graduated from Harvard with an MBA in 2009, got the six-figure job he wanted, bought a home and started paying $1,057 a month on his?student?loans?each month, the naivete started to dissipate. Two years after graduating, he had paid $22,000 toward his?loans?and saw he still had $91,000 more to go due to accumulation of interest.

It was a shocking revelation, a signal that he was trapped with overwhelming debts that would control how he could live his life. Not only had he barely made a dent in the principal after two years of payments, but he had $42,000 in interest to pay over the next 10 to 15 years.

He never questioned the value of getting his Harvard MBA, and he liked his job managing a business development division for Dell in Austin, Texas. But with debt payments arriving every month, he realized he had lost flexibility in his life. He knew that if he lost his job it could be a disaster. He would have to think twice about rocking the boat at work, balking if he was overlooked for a promotion or taking a job that paid less even if it would allow him "to make a valuable contribution to the world."

"I didn't want a gun to my head every time I thought about this," he said. "I felt trapped."

It's a revelation that few?students?contemplate as they apply for programs, said Sandy Kreisberg, an MBA admissions consultant. "All they want is to get into a top program."

After acceptance, they might ask about financing, but most, like Mihalic, think an MBA will deliver wealth, and they need not fret about money, Kreisberg said. That tends to be true of top MBA programs, although jobs have been more difficult to get since the 2008 financial crisis.

More top MBA programs are trying to help?students?with scholarships, and some compete for?students?with top GMAT scores by offering aid, said John Byrne, editor of Poets & Quants. For example, Mihalic received $54,000 from Harvard.

But with costs of some top MBA programs about $300,000, based on a Poets & Quants analysis that includes living expenses and lost income from quitting a job, debt can be oppressive. And when considering MBA programs, pay attention to the effect of scholarships on cost, plus the job placement rates at each school, when applying, said Byrne.

Levels of debt vary substantially between schools, even those in the top 10 or 20. At Harvard, Byrne said, the average MBA?student?in 2011 had $77,880 in debt, similar to Stanford at $77,599. The University of Pennsylvania's The Wharton School was highest with $114,339. Sometimes top private colleges can helpstudents?more than public ones.

Despite high costs, Byrne said MBA?students?have the lowest default rates on?student?loans, about 20 percent. MBA graduates have the advantage of relatively high pay, with base salaries averaging $91,400 in 2011, said Byrne. PayScale Inc. put the median salary in 2012 for MBA graduates at $83,500, but $136,000 for MBA graduates of the country's top 30 business schools as ranked by Bloomberg Businessweek.

A higher salary allows?students?to take on substantial debt and live within a rule of thumb in education finance. That is: Borrow no more than what your first year of annual pay is likely to be.

In addition, it's wise to stick with federal Perkins and Federal Grad PLUS?Loans?because they include forgiveness programs, such as limiting debt payments to 10 percent of a person's income and forgiving debt that's left after 20 years.

While those rules can take some pressure off?students, Mihalic didn't want to pay?loans?for 10 years. He put himself on an austere lifestyle. He sold a car, took in two roommates, stopped going to movies, didn't take dates to dinner, skipped trips and friends' weddings and even carried his own flask of liquor when he went to bars with friends.

He blogged about it, and in seven months he was debt-free except for his home. Now, he said, he's so used to an austere lifestyle, it's difficult for him to spend money.

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This month NHK has been previewing a slew of Super Hi-Vision equipment, but there's still much work to be done to make high res broadcasts a reality worldwide. There's where the ITU steps in, and as it did for HDTV back in the 90s it's been meeting to decide just what 4K and 8K Ultra High Definition TV (UHDTV) broadcasts are and how they will work. There's no word on minimum pixel counts for the standards -- we expect that quad-HD vs. 4K battle to rage on, remember these are the people who "defined" 4G -- but they're establishing color range, frame rate, and whether the broadcasts will go over unused satellite bandwidth or regular antenna frequencies. If you're somehow confused by the 33MP video streams that are coming our way... some day, check out a video featuring European Broadcast Union Deputy Director of Technology and Development David Wood.

Continue reading ITU meets to define 4K and 8K UHDTV parameters

ITU meets to define 4K and 8K UHDTV parameters originally appeared on Engadget on Thu, 24 May 2012 08:26:00 EDT. Please see our terms for use of feeds.

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Facebook's first camera app for iOS, aptly and simply dubbed Facebook Camera, highlights the company's commitment to its mobile business. But considering Facebook's recent purchase of the photo-sharing app Instagram, it's hard not to compare the two.

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School doesn?t work very well, so let?s make kids do more of it!?

That seems to be the policy enthusiastically supported by President Obama, by his education secretary Arne Duncan, by many teachers? unions (as long as the teachers are well paid for the extra time), and by many education policy makers in and out of academia.

Kids aren?t learning much in school, so let?s make them start school when they are younger; let?s make them stay more hours in school each day and more days each year; and let?s not allow them to leave until they are at least 18 years old. Let?s do all this especially to the poor kids; they are getting the least out of school now, so let?s lengthen their time in school even more than we lengthen the time for others!

As I read and listen to the arguments for more forced schooling, what disturbs me most is the complete disregard for the opinions of students. Even Obama, who seems to be a good man and a kind father, dissed his daughters in a speech supporting more forced schooling. He said [here]:? ?Now, I know longer school days and school years are not wildly popular?not with [my daughters] Malia and Sasha, not in my family, and probably not in yours. But the challenges of a new century demand more time in the classroom.?

A few days ago I forced myself, for the sake of science, to listen to a local Boston Public Radio program [here] on the argument for a longer school day. The guests were Chris Gabrieli, co-founder of Massachusetts 2020, which helped launch the Massachusetts extended school day initiative, and Richard Stutman, president of the Boston Teachers? Union. The focus of discussion was a proposal to lengthen the school day in Boston Public Schools by three hours?from its current six and a half hours to nine and a half hours! If the proposal is accepted, students would start each school day at 7 a.m. and end at 4:30 p.m.?

Most students in this system are bussed, so, depending on the schedule, a student might have to get on a bus at 6 a.m. and then not get home until 6 p.m. Then he or she would have two or three hours to do homework before trying to get a little sleep; and then would rise at a little after 5 a.m. the next morning to get ready for another school day. On the face of it, the proposal qualifies as cruel and unusual punishment?punishment just for being a kid. But Gabrieli and Stutman are all for it. They claim that more time in school increases test scores. Hurray! Of course, test scores are the only thing that we care about when we think about kids.

Near the end of the program, a caller asked whether or not students, with their parents? permission, could opt out of the extra hours.? The answer was a clear ?no.?? In fact, in answering the question, Gabrieli cited students? opposition to the longer day as reason for making it compulsory. He said, ?If you ask the students at the end of the day how many would like to stay for more school, you are lucky if 10% say ?yes.?? That was it?no more discussion of student opinion.? Student opinion doesn?t matter except as a force to counter.

In looking through the academic research on the pros and cons of more time in school, I found one reference to a study on attitudes. In a school that had recently lengthened the school year, 88 percent of the staff were in favor of continuing the extended program into the next year, but only 12 percent of the students were. The review article in which I found these statistics seemed to treat this as a positive evaluation of the program. The low opinion that students had of the extended school time was treated as irrelevant, and no mention was made of student opinion in the article?s final conclusions about the value of more time in school or further research that should be conducted.[1]

Time sampling research?of students from all social classes and in a wide range of schools?has shown that young people are less happy in school than in any other setting in which they regularly find themselves.[2] Some are so unhappy that they commit suicide. Large numbers become clinically depressed or anxious because of school and lack of free play.[3] There was no discussion of this on the radio program I listened to; and there is little discussion of it in any of the many articles?either in academic journals or in the popular press ? that one can find dealing with the question of more time in school. The debate centers almost entirely on the issue of whether or not we can squeeze a few more points out of kids on standardized tests with more time in school, and how we can afford to pay teachers for the extra time.

The argument that more time in school increases test scores is debatable. In their systematic review of the evidence, Patell, Cooper, and Allen conclude that the there is some evidence for improved test scores, but that ?the research on extended school time leaves much to be desired. The research designs are weak for making causal inferences??[4] Others have pointed out that many countries that score better than we do on international standardized tests require fewer hours of schooling per year than we do. This includes Finland?which sports the world?s highest scores?as well as such other countries as Norway, Poland, the Netherlands, Australia, and Japan.[5]

Why are we so unimaginative in our thinking about our children?s needs and how to solve them? We try to solve every problem through the school system, and that system always fails. It fails primarily because children don?t like school. People don?t thrive and learn well in settings that make them unhappy. This point is so obvious, yet is almost completely ignored by educational policy makers.? Children who are allowed to make their own choices, in an environment where they have real choices and where those choices pertain to real life, learn far more, far more efficiently, than children who are forced to follow a curriculum that seems irrelevant to them. That has been a theme of many of the essays in this blog.

Instead of throwing more money at the school system and making children spend more time there, why don?t we try to figure out some other ways to make children?s lives better?especially the lives of poor children??

Many years ago, when I was a college student in New York City, I worked at an after-school community center in one of the poorest sections of the city.? It was sponsored by the YMCA, for kids who couldn?t afford the ?real Y.? It was free, and the clientele were almost entirely Puerto Rican and African American. The center was in a run-down building and there was only one full-time staff member (a sweet, gentle man from the community) and me, who was there only part-time during the after-school hours.? It served roughly two hundred kids. There was a rickety old gym, games, some books, and a place where kids could do homework if they wanted to. It was all their own choice. The kids who came ranged in age from about 7 to about 18, and they often played in age-mixed groups?both indoors and on the street outside the building. Sometimes I saw older kids helping younger ones with homework, and I frequently saw older kids reading to younger ones or teaching them games. This was a stimulating environment, almost entirely run by the kids. I never saw serious bullying. Shabby as the building was, the kids took pride in their center, and they took good care of one another in and around it. Today, most people don?t believe that such a thing can exist.? Our estimation of the abilities of kids?especially poor ones?has reached an all-time low.

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Question to Ask the Prof: If it is the norm to bribe public officials when doing business in? a foreign country and it is hard to get anything done if you don?t, is it unethical to offer bribes?

A (Professor Barbato): Corruption and bribery distort the marketplace so that the most deserving actors don?t gain what they deserve.? This is unfair and unethical, and it results in suboptimal outcomes in the aggregate. ?However, we must remember that business ethics is a practical endeavor, and cannot solely rest on lofty principles that deny the realities of the world in which we behave.? For instance, there are societies where bribery is part of the game, so to speak.? In other words, if you don?t bribe, then you can?t participate, and everyone knows that and everyone accepts that.? This would be like bluffing in poker.? It may not seem very honest, but everyone understands that it is part of the game.? However, business should not simply accept the status quo, it must also be an ethical leader in trying to change the status quo.? So honest businesses should participate in such an economy, but they should also take the lead in trying to change these economies into more honest and fair economies.? They should not use the excuse that ?everyone does it? to free themselves of all their ethical obligations.? So, like so many cases of business ethics, the answer is to be practical and principled at the same time.

?

One more word about bribery.? Some societies use gifts to reinforce cooperation and loyalty; two values that lead to higher ethical behaviors.? Without a certain level of cooperation and loyalty, it is hard for businesses in some societies to arrive at optimal levels of productivity.? Although these gifts may seem like bribes that have the goal of corrupting, they can actually be seen as gifts with the goal of enhancing trust and cooperation.? Once again, business must be both ethical and practical in situation like these.

-->

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Knowing how users react to Facebook's product changes is crucial to the site making the right moves, so today it closed an acq-hire of part of design research firm Bolt | Peters -- specifically its leading man CEO Nate Bolt and several other employees from the six person consultancy. Those coming over will be joining Facebook's design team that's headed by Kate Aronowitz. Bolt | Peters started 10 years ago and specialized in recruiting actual visitors to a website through its tool Ethnio and then observing their usage remotely so it could deliver insights on what to improve to their clients, which numbered over 90. Bolt | Peters will shut down on June 22nd, and has already spun out its Ethnio real-time research service. Facebook tests product changes more frequently than nearly any service. Bringing in Nate Bolt and some of his teammates will help it understand exactly how users feel about changes and avoid blunders like Beacon.

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INDIANAPOLIS (AP) ? A court official says prosecutors are planning to charge a southern Indiana man with murdering a third woman, whose body was found buried in his backyard last month.

The Floyd Superior Court official says Judge Susan Orth found probable cause during a Wednesday hearing to justify charging 54-year-old William Clyde Gibson with murdering 35-year-old Stephanie Kirk. The official declined to give her name, citing court policy, but said she was at the hearing.

Gibson is due in court later Wednesday. He is already charged with murdering 75-year-old Christine Whitis last month and murdering Karen Hodella, a woman visiting from Florida, in 2002.

Gibson was arrested on drunken driving charges last month while driving Whitis' car. Authorities found Whitis' body in his home and found Kirk's buried outside.

Associated Press

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The former student was convicted for his role in harassing Tyler Clementi, who committed suicide after Ravi used a webcam to spy on him.

By Geoff Mulvihill,?The Associated Press / May 21, 2012

Dharun Ravi stands alone in a New Brunswick, N.J., courtroom Monday following a sentencing hearing for his conviction in using a webcam to invade the privacy of his roommate, Tyler Clementi, and another man in their college dorm room.

Lee Celano/REUTERS

Enlarge

A former Rutgers University student who used a webcam to spy on his gay roommate was sentenced Monday to just 30 days in jail ? a punishment that disappointed some activists but came as a relief to others who feared he would be made a scapegoat for his fellow freshman's suicide.

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Dharun Ravi, 20, could have gotten 10 years behind bars for his part in a case that burst onto front pages when Tyler Clementi threw himself to his death off the George Washington Bridge.

Instead, Superior Court Judge Glenn Berman gave Ravi a month in jail, placed him on three years' probation and ordered him to get counseling and pay $10,000 toward a program to help victims of hate crimes.

"Our society has every right to expect zero tolerance for intolerance," the judge said.

RECOMMENDED:?Tyler Clementi and cyberbullying: how courts ruled in five other cases

Prosecutor Bruce Kaplan said he will appeal the sentence, calling it insufficient.

The tear-filled sentencing touched on many of the issues that made the case heart-wrenching and legally complicated: anti-gay bullying, teen suicide, hate-crime laws in the fast-changing Internet age, and the uses and abuses of technology in the hands of young people.

Ravi did not speak in court but shed tears as his mother pleaded with the judge not to send him to prison. Afterward, Ravi, his family and his lawyers left court without comment. He is expected to appeal his conviction.

In handing down the sentence, the judge quoted an email from Clementi himself describing Ravi's conduct as "wildly inappropriate."

At the same time, Berman pointed out that Ravi was not charged in Clementi's suicide. He said Ravi has spent 20 months in "exile" since his arrest. And he suggested "hate crime" is a misnomer for what Ravi was convicted of: "I do not believe he hated Tyler Clementi."

He also said he has examined the bias intimidation laws in 39 states and found that New Jersey's is among the broadest. Most, he said, are used only to increase the sentences of people convicted of violent crimes.

The judge said he would recommend Ravi not be deported to his native India. Deportation is still a possibility, but a sentence of a year or more would have been more likely to trigger it.

Prosecutors had asked that Ravi be sent to prison; they did not say how much time he should get other than that it did not have to be the maximum. If prosecutors appeal the sentence, Ravi may not have to report to jail on May 31 as ordered.

New Jersey gay rights organization Garden State Equality expressed disappointment with the punishment. In a statement, chairman Steven Goldstein suggested that while the maximum would have been an act of "vengeance," 30 days was too light.

"This was not merely a childhood prank gone awry," Goldstein said.

Bill Dobbs, a New York gay rights activist who has long argued that hate-crime laws can be dangerous, said he believes the judge gave a short sentence in part in response to a backlash against the prosecution that became visible in recent weeks, including at a rally last week at New Jersey's Statehouse, where hundreds of people called for leniency.

"Law and order cannot solve social problems," he said. "If you put too much pressure on one person, you can crush someone on the receiving end."

Marc Poirier, a professor at Seton Hall Law School, said the judge skillfully found a middle ground. "Having no jail time would have been interpreted as being a slap on the wrist," he said. And a sentence of five to 10 years would be "out of control."

The case began in September 2010, when Ravi's randomly assigned roommate asked Ravi for the dorm room alone so that he and a guest could have privacy. Ravi went to a friend's room, and they used a computer to watch Clementi and another man kissing.

They told others about it through instant messages and tweets, with Ravi boasting: "I saw him making out with a dude. Yay."

When Clementi asked for privacy again two days later, Ravi agreed, then told friends how to access his webcam. But this time, the camera was not on when the guest came over. There was testimony both that Clementi unplugged it and that Ravi himself put it to sleep.

The next night, Clementi ? who learned he had been spied on ? committed suicide at age 18, leaving behind a final Facebook update: "jumping off the gw bridge, sorry."

Gay-rights activists held up Clementi as an example of the consequences of bullying gays. President Barack Obama himself weighed in on the tragedy.

Ravi was convicted in March of invasion of privacy, bias intimidation on the basis of sexual orientation ? an offense widely referred to as a hate crime ? and trying to cover his tracks by destroying text messages and tweets and tampering with a witness.

As for Clementi's suicide, his mother, Jane Clementi, told the judge she didn't know exactly why her son killed himself. And Ravi's lawyers argued that the trial was not fair because the judge did not give them details from Clementi's computer that may have explained it.

Ravi is being "demonized by the gay community, and they're associating whatever he did with the death of Tyler," said lawyer Steven Altman.

Clementi's father, Joe Clementi, told the judge that Ravi deserved to be punished, saying the young man saw his son as undeserving of basic human decency. The elder Clementi said Ravi "still does not get it" and has no remorse.

Ravi's mother, Sabitha Ravi, said in court that her son "doesn't have any hatred in his heart toward anybody."

"Dharun's dreams are shattered and he has been living in hell for the past 20 months," she said through tears, recounting how he has lost more than 20 pounds from an already-thin frame and how he only finds comfort with his little brother and his dog.

Before the trial, prosecutors had offered Ravi a plea bargain that called for no prison time. He turned it down.

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