Oklahoma Insurance Department Warns Against Medicare Scam ...

OKLAHOMA CITY -

Officials have a warning about a new phone scam being reported all over the state. The Oklahoma Insurance Department says it's getting complaints about people claiming to be from Medicare to get money and personal information.

It's a big problem especially right now because it's time for Medicare enrollment, and more than 600,000 Oklahomans qualify.

The people behind the calls are telling seniors they need new Medicare ID cards, but the Oklahoma Insurance Department says it's all a scam.

The Oklahoma Insurance Department gets a lot of calls this time of year to its Medicare Assistance Program..

"Unfortunately, we're also getting calls from beneficiaries who are hearing from unscrupulous individuals who are wanting to convince them that Medicare is sending out new Medicare ID cards," Medicare Assistance Director Ray Walker said.

Walker says thieves are calling seniors and asking for their Medicare number or bank account information to get a new, plastic Medicare ID card.

"Unfortunately, we have Medicare beneficiaries who are doing that, and it's a scam," Walker said.

Walker says a Medicare card is just as good to a thief as your credit card.

"They can take that and generate medical claims to Medicare to be processed, and before you know it, thousands and thousands of dollars in medical claims have been sent to Medicare to processed," Walker said.

The Insurance Department want to remind seniors that Medicare won't call and ask for your personal information.

Also, be aware that information you do provide over the phone could be brokered to telemarketers through third parties, and never pay for services in advance.

The Insurance Department relies on beneficiaries to fight Medicare fraud.

If you get one of these calls, try to get as much information from the so-called company calling you, so you can report it.

Medicare fraud is a $60 billion a year industry.

To report a scam to the insurance department, call 1-800-763-2828.

Source: http://www.newson6.com/story/20088660/oklahoma-insurance-department-warns-against-medicare-scam

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Hands-On With The HTC Droid DNA, Verizon?s First 1080p Android Powerhouse

droid-dna1HTC and Verizon's brief presentation wrapped up not long ago, which can only mean one thing -- nearly all the members of the press leapt from their seats and made a beeline for the demo units for some precious hands-on time.

Source: http://feedproxy.google.com/~r/Techcrunch/~3/X3kaMQwbjqg/

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Drink Up! The Benefits of Tea | Care2 Healthy Living

As we step further into fall and the weather continues to cool down, warming foods and drinks become extra delicious and comforting. Think hot chocolate after a morning ski or an apres-surf cup of coffee or tea.

Tea is one of my favorite drinks any time of year. A wonderful tiny tea shop opened up near me last year (The Robin?s Nest) and quickly became my favorite place to splurge. A geisha teapot for grandma, a tin of Rooibos chai for me, and a chat with the lovely owner, Robin.

Tea has been used through time in a variety of ways. It can be used for everything from bath soaks to soothing puffy eyes to making potpourri and soap. Numerous health benefits are attributed to drinking tea as well, with antioxidants being high on the list.

Green tea, for instance, contains vitamins B, C, and E. The tannins in green tea are said to have antioxidant and antibacterial properties.

Black tea is made from the same plant as green tea, but aged leaves are used instead of fresh. Common varieties of black tea are English Breakfast, Darjeeling, and Earl Grey.

Herbal teas don?t contain caffeine and can be made using the flowers, leaves, bark, seeds, and roots of many plants.

Peppermint tea contains menthol and can soothe your stomach or strengthen your immune system. Chamomile can help with insomnia, and Rosehip tea is a wonderful plant-based source for vitamin C. Lemon tea is great for cleansing and stabilizing the digestive system.

An important part of getting the maximum benefit from your tea is to choose a tea made with high-quality ingredients. If you?re making it yourself, buy your tea from a reputable tea shop and try mixing up a few of your loose-leaf herbal teas for a new taste. If you want to drink tea on the go, look for ones low in sugar, Fair Trade certified, brewed from whole tea leaves,?and organic (like Honest Tea).

There?s nothing like opening a tin of loose-leaf tea, steeping it yourself, and settling in for a few minutes of calm. Smelling, making, and drinking tea is an enjoyable and beautiful process akin to grinding and making your own coffee or enjoying a good glass of wine.

In our modern day, we don?t often have time for the ritual of Afternoon Tea, but we can still retain the benefits by warming up or cooling down with a healthy and delicious cup of tea.

***

Monique Minahan is a writer, yogi, and lover of life. She?s inspired by nature?s simplicity and the healing power of love. She finds true liberation in living life fully from the inside out. Her intention is to offer her heart to the world through words that motivate, inspire, and encourage. You can visit her at her blog, mindfulmo.com

Photo credit: Nomadic Lass, Monique Minahan

Read more by Intent here.

Follow Intent on Twitter: https://twitter.com/intentdotcom

Related:
9 Reasons to Drink Green Tea Daily
6 Types of Tea for 6 Different Moods
5 Teas from Around the World

Source: http://www.care2.com/greenliving/drink-up-the-benefits-of-tea.html

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Source: Kodak reaches deal to borrow $793M

(AP) ? Kodak has reached an agreement to borrow $793 million, potentially allowing it to exit bankruptcy protection early next year, a person with knowledge of the arrangement said Monday.

The printing and photography company would borrow the money from a private investment firm, Centerbridge Partners, and the lending arms of asset management firm The Blackstone Group and banks JP Morgan Chase & Co. and UBS AG.

The deal is contingent on Kodak being able to sell its patent portfolio for more than $500 million, said the person, which spoke on condition of anonymity because the deal had not yet been announced. The company has been trying to sell that asset for more than a year.

The loan would consist of $476 million in new loans and $317 million in roll-overs of old debt. There's a provision to convert $567 million into "exit financing," a prerequisite for emerging from bankruptcy protection.

Kodak filed for bankruptcy protection in January after struggling to adapt to the world of digital photography.

News of the deal was reported earlier by The Wall Street Journal.

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/495d344a0d10421e9baa8ee77029cfbd/Article_2012-11-12-Kodak-Bankruptcy/id-46ff30516cfa440fbdebc860ffb4b9ce

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Dividend stocks update: RRST, EBU, CY, HRB, BAGL - Best Stock ...

November 13, 2012 ?by ?Best Stock Watch

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Dividend stocks update: RRSat Global Communications Network Ltd. (RRST) primarily provides mobile satellite communications services and content management and distribution services to the television and radio broadcasting industries. The company?s Board of Directors declared a semi-annual cash dividend of $0.58 per share, which will be paid on December 13, 2012 to shareholders of record as of the market close on November 22, 2012. The company also announced on Monday that it has been selected by the European Broadcasting Union Network (EBU) to provide digital media content delivery services and be their main hub between Asia and Europe for the coming years. PRST stock price surged 3.97%, to $6.29. Based on the latest PRST stock closing price, the company pays dividends at an annualized yield of 18.44%, making RRST one of the high dividend stocks.

Investment company Source Capital, Inc. (SOR) announced that its Board of Directors has declared a regular quarterly distribution of $0.70 per share, which will be on September 15, 2012, to shareholders of record as of the close of business on August 24, 2012. SOR stock price retreated 0.70% to $51.03. The company will also pay a special year-end distribution of 53 cents per share December 15, 2012 to shareholders of record as of the market close on November 23, 2012. On the basis of the latest SOR stock price, Source Capital pays out at an annualized dividend yield of 5.49%.

Cypress Semiconductor Corporation (CY) provides mixed-signal and programmable applications and solutions. The company intends to pay a quarterly cash dividend of $0.11 per share on January 17, 2013, which will be made to shareholders of record as of the close of business on December 27, 2012. CY stock price traded flat on Monday. Calculating by the latest CY stock price of $9.54, shareholders receive dividends from the company at an annualized dividend yield of 4.61%.

H&R Block, Inc. (HRB), through its subsidiaries, provides tax preparation and banking services. The world?s largest tax services provider announced that its Board of Directors has declared a quarterly cash dividend of 20 cents per share, which will be paid on Jan. 2, 2013, to shareholders of record as of December. 10, 2012. This will be the 201st consecutive quarterly dividend of the company since 1962. HRB stock price edged up 0.28%, to $17.82. HRB currently yields at 4.49% on an annualized basis.

Einstein Noah Restaurant Group, Inc. (BAGL), an owner/operator, franchisor and licensor of bagel specialty restaurants announced a quarterly cash dividend of $0.125 per share, payable on January 15, 2013 to stockholders of record as of December 3, 2012. BAGL stock price rose 1.08% to $14.96. Based on the latest BAGL trading price, the company sports an annualized dividend yield of 3.34%.

Source: http://www.beststockwatch.com/dividend-stocks-update-rrst-ebu-cy-hrb-bagl.html

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The Economic Value of Mom's Work - Budgeting and Personal ...

How much is a mom and dad's domestic work worth?

Domestic tasks that are typically considered to be "mom's work" has a market value of $60,182, according to the U.S. Bureau of Labor Statistics as reported by MSN Money. That's the cost of hiring out all the tasks that are commonly associated with motherhood.

Men and fathers continue to -- on average -- earn more money outside of the home than women and moms do. A 2007 study by the Pew Research Center found that 78 percent of husbands out-earn their wives.

This diminishes the time and value of a dad's contributions to the household. One study found that the market value of a dad's contribution to the household stands at about $20,415.

Interesting food for thought.

Do you have any comments? Share them here, or drop by the forum to share your thoughts.

Source: MSN Money

Source: http://budgeting.about.com/b/2012/11/12/the-economic-value-of-moms-work.htm

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Lets Get Physical ? Eating To Muscle Up | OutInPerth

Last issue we took a close look at exercise regimes that help skinny guys muscle up. Exercise is only part of the weight-gain solution so let?s focus on the dietary component to building lean muscle mass. We?ll also look at an eating disorder faced by the gay community.

When guys start talking about muscle building, protein shakes and the like are sure to get a mention. In my opinion (and I?ve seen positive results first hand) keep your hard-earned dollars in your wallets and start eating properly. Couple your workouts with a balanced eating plan?in particular, one with plenty of lean protein?and you?ll see results in no time. Not only will staying natural give you greater pride in your results but you?ll be developing sustainable, healthy eating habits.

Some simple tips for eating well to bulk up:

???????? increase your lean protein intake ? try grilled skinless chicken breast, kangaroo, eggs, lean beef, tuna, tofu, and larger mature beans

???????? eat lots of fresh vegetables

???????? lower your fat intake but don?t cut it out completely. Your body needs a certain amount of good fats

???????? reduce your alcohol consumption

???????? eat three main meals with a protein-rich snack in between ? eating every three hours is a good rule of thumb. Don?t skip meals!

Remember, everyone is different ? you may have allergies or special dietary requirements. These are only suggestions and shouldn?t be followed in place of a dietician?s, nutritionist?s or other physician?s recommendations.

When exercising more, it can be easy to get over zealous on the eating front, which can lead to an increase in body fat. Keep track of your progress with regular waist measurements or get your body fat percentage calculated. That said, while you don?t want to overdo it and put on fat, it?s also important not to start wasting away.

From standing back and people watching (in a non-creepy kind of way) at gay venues it doesn?t take a genius to see that eating disorders are more prevalent amongst gay men than heterosexual men. While some of the skinny shirtless men you?ll see are genetically predisposed to having metabolisms that are in constant overdrive, others might have at some time struggled with eating disorders. Contributing to this are the stresses of fitting into society and coming out of the closet, and the fact that gay men are often more driven by fashion and a desire to look good. According to a recent study just over 15 per cent of gay or bisexual men surveyed had at some time suffered anorexia, bulimia or symptoms of these disorders, in comparison to less than five per cent of heterosexual men surveyed.*

With eating habits, it can be easy to slip into the extremes. If you think you?re headed that way or know someone who might be please seek help from a professional.

For more fitness ideas and information contact your lifestyle-friendly, mobile fitness consultant

Sav Adele, Workout Savy

*?Gay men have higher prevalence of eating disorders?, ScienceDaily (Apr. 14, 2007)

Tags: Sav, Workout Savvy

Source: http://www.outinperth.com/lets-get-physical-eating-to-muscle-up/

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Are Student Loans Immoral? | Prose Before Hos

The Article: NYU Professor: Are Student Loans Immoral? by Andrew Ross in The Daily Beast.

The Text: Straight talk about the crushing burden of student debt is everywhere?except the one place it should be: on college campuses themselves. Students, professors, and college administrators seem to be in denial. For students who have never managed their own finances before?certainly the vast majority of undergraduates?the silence isn?t so surprising. After all, they?re not required to pay a penny on their loans until they graduate, so they coast along, often blind to the consequences of their ballooning debts. And our college presidents and senior administrators have good reason to duck any responsibility for the gathering crisis: all the evidence shows that they?ve gotten steadily richer from the proceeds of the higher-education bubble.

As for professors, I have known for several years that my paycheck depends on my students going deeply into debt, often for decades to come. But like my colleagues, I chose not to dwell on it, a decision that seemed justifiable given that faculty salaries have been stagnant as a whole for some time now. We are hardly to blame for skyrocketing college costs.

At NYU, where I teach, students graduate with 40 percent more debt than the national average. One alumnus told me that he and his peers had formed a ?hundred club? for those in the six-figure debt bracket. So it felt long overdue when I finally began to wrestle with the problem personally. Knowing that they were trading a large chunk of their future wages for the right to walk into my classroom, did I have additional moral duties toward my students? Did I share any of the responsibility, or blame, for their decision to pile on loan after loan? Was I obliged to speak out against the profiteers who were plying them with high-interest credit?

When I raised the matter in class, no one wanted to talk. When I quizzed them privately, two students explained that the volume of their loans was a source of profound shame. At a pricey college, they were surrounded by peers from well-heeled families, and they feared the stigma if they spoke about their own straitened circumstances. One of them apologized for falling asleep in class: he had taken on a second job?not uncommon these days?to avoid the burden of even more loans. The other confessed that she did not want to feed any inner doubts about whether her dream education would be a career stepping stone or a financial millstone; as long as she was still studying, she wanted to stave off such thoughts.

If enrolled students had reasons to hold back, their older brethren were shattering the silence. Some of the loudest voices at Occupy locations around the country were underemployed graduates with crushing debt, finding solace in pungent slogans like ?Banks got bailed out, we got sold out!? It dawned on me that all of their testifying about the personal agony of debt in public squares was a kind of ?coming out? moment for a new political movement.

Despite my own ambivalence, I felt compelled to respond. Last November I helped to launch the Occupy Student Debt Campaign, which invited debtors to pledge to refuse payments after 1 million others had signed up. Since millions are already defaulting in private, our pledge simply offered a more self-empowering way of taking action and focusing public attention on the issue.

Attracting pledgers was not easy?the morality of paying back debts still runs very deep in our society?but I learned a lot about the psychology of debtors in the course of our campaign. Students I met did not think of their loans as debt at all or had no understanding of what it would feel like to make monthly payments. One described his loans as a ?hedge? (using the language of finance) or bet against his future. Another called it ?funny money.? Nor do most recent graduates perceive themselves as being ?in debt? until they start to fall behind in their payments. (That moment of recognition comes soon enough. A shocking 41 percent of the class of 2005 is either delinquent or in default.)

Taking out hefty student loans has become a normalized feature of college life. No doubt, this smooth routinization helps to ease the guilt of the admissions officers who are paid to reassure recruits that high-interest loans are still a solid investment in their futures. Those with less conscience have been caught colluding directly with lenders. Parents, for the most part, don?t ask too many questions. They are cowed by the prestige of colleges or are anxious not to puncture their children?s aspirations. As for the borrowers themselves, most are not old enough to drink when they are approached, like subprime-mortgage dupes, with offers they cannot refuse.

Equally problematic are the terms of the loans themselves. Unlike almost every other kind of debt, student loans are nondischargeable through bankruptcy, and collection agencies are granted extraordinary powers to extract payments, including the right to garnish wages, tax returns, and Social Security. The market in securitized loans known as SLABS (Student Loans Asset-Backed Securities) accounts for more than a quarter of the aggregate $1 trillion student debt. As with the subprime racket, SLABS are often bundled with other kinds of loans and traded on secondary markets. With all the power on the side of creditors and investors, it is no surprise that student lending is among the most lucrative sectors of the financial industry. As for federal loans, they are offered at unjustifiably high interest rates?far above those at which the government borrows money.

Private-college graduates from middle-income families are the poster children for student debt. But the biggest impact, and the worst excesses of the lending racket, can be found at the low-income end of the higher-education landscape. While I was visiting a community college in the Southwest, a son of immigrants told me he had taken out a series of loans, on the advice of ?admissions counselors,? to enroll at a for-profit college, only to discover, on graduation, that the institution was not properly accredited. Unable to transfer credit, he was starting afresh at a new institution, with a new round of loans. For first-generation families like his, access to information is scarce. Priced out of increasingly costly public colleges, he and his peers are falling into the for-profit system, where they are easy prey for shady officials with ties to venal lenders who target high-risk borrowers. As a result, a familiar racial profile emerges: African-Americans are the most indebted of all population groups. Twenty-seven percent of black graduates in 2007?08 borrowed more than $30,000 to pay for college, compared with 16 percent of whites, 14 percent of Hispanics, and 9 percent of Asians.

I can no longer fulfill my classroom duties without wondering if the ultimate price, for many of my students, is a form of indenture.

In the years since the financial crash, the debts of banks are still being written off while the little people are expected to pay back theirs. In the absence of debt relief, which Congress does not want to contemplate, the aggrieved are beginning to talk about the double standard, and about debt refusal and debt strikes. Under the circumstances, civil disobedience like this may be the only truly democratic option.

This summer, Occupy Wall Street formed a new Strike Debt initiative, aimed at promoting this option. We held a series of ?debtors? assemblies? every Sunday in New York City parks. Largely unstructured, these were open invitations to speak out. The crowds were small enough for public intimacy, and the atmosphere, while informal, was electrifying. It was heart-rending to hear speakers bear witness about how debt had blocked their aspirations and forced them into decisions they regretted. Many spoke of depression, some of divorce, while others described the kind of future?owning a home, having children?they believed was now hopelessly unattainable. Parents stood up to agonize about their responsibility, as cosigners, for the loans of their now unemployed offspring. A fellow activist reminded us of an even more harrowing predicament: she had contracted a life-threatening ailment, and the bitter prospect of dying young was sharpened by the knowledge that her low-income parents would inherit her debts.

The burden of debt has become the lens through which I see my workplace, and it is rapidly altering my view of my profession. I can no longer fulfill my classroom duties without wondering if the ultimate price, for many of my students, is a form of indenture. This is not an extreme way of putting it. After all, the indentured have to go into debt in order to find work, and their wages are then used to pay off the debts. I have concluded that it is immoral to expect young people to privately debt-finance a basic social good like education, especially if we are telling them that a college degree is their passport to a livelihood that is increasingly thin on the ground.

I was educated in the Scottish university system in the 1970s. It was free then, and it still is, as is the case in many countries less affluent than the U.S. If the U.S. is going to have any kind of stable middle class in the 21st century, it may have to join that list of countries. On a rough estimate, it would only take $70 billion of the federal budget to cover the tuition costs at every two- and four-year public college. This happens to be the sum the Pentagon wastes annually in ?unaccountable spending,? according to a recent audit, a testimony to how skewed our national priorities have become.

On one of my campus visits, a student told me that her father had been laid off, and the family had fallen behind in its mortgage payments. A cosigner of her loans, her father had also been using home equity loans to pay some of her college bills. That source of credit was now closed off, and the family?s balance sheets were deep in negative territory. At the same time, her parents were landed with some of her grandmother?s hospital bills. The student had considered dropping out. Instead, she had turned to her two credit cards to fund her degree, opening up yet another door for creditors to come knocking. Fading fast were the college dreams of her younger sister, a recent high-school graduate who was about to join her mother on payroll at their local Walmart Supercenter to help tide over the family.

Foreclosing the future of young people is a callous act, and a self-destructive path for any society. But allowing Wall Street financiers to feed off their predicament is beyond any moral compass, especially?and here I speak as an educator?when the revenue is being extracted from an activity as honest as the pursuit of learning.

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Source: http://www.prosebeforehos.com/article-of-the-day/11/11/are-student-loans-immoral/

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Lawyer owes $300,000 for showing child pornography at trial

(Reuters) - An Ohio lawyer who created sexually explicit images of children as part of a legal defense in child pornography trials must pay the children's parents $300,000, a federal appeals court ruled on Friday.

Dean Boland, the lawyer at the center of the case, did not respond to requests for comment.

In 2004, Boland was hired as an expert witness by criminal defense lawyers to testify at three separate criminal proceedings for defendants on trial for possessing child pornography.

In an effort to argue that pornography laws were too broad because defendants had no way of knowing whether photos were real or fake, Boland downloaded images of two children from a stock photo website and digitally manipulated them so the minors appeared to be engaged in sexual acts, according to court documents. In one, a child was eating a doughnut, which Boland replaced with a penis. In another, he transposed a child's face onto the body of a nude woman performing sexual acts with two men.

He then used the before-and-after pictures at trial to demonstrate the difficulty of telling the difference between real and digitally morphed images.

Federal child pornography law bans the possession of images "created, adapted or modified" to show an identifiable minor engaging in sexually explicit conduct. However, it does not ban entirely computer-generated child pornography.

After the Federal Bureau of Investigation learned about Boland's testimony, federal agents searched Boland's home and seized his files. To avoid being criminally prosecuted, Boland entered a diversion agreement in which he admitted to creating and possessing child pornography in violation of federal law. He also published an apology in the Cleveland Bar Journal.

Despite his admission, he defended his right to use the images in court, even filing a lawsuit against the federal government, which was ultimately dismissed.

In 2007, the parents of the two children in the original stock photos sued Boland under federal child pornography laws that allow the minor victims of child pornography to recover damages.

A federal judge initially dismissed the lawsuit, finding that the law shielded expert witnesses from liability. But the 6th U.S. Circuit Court of Appeals in Cincinnati last year disagreed, sending the case back to the district judge, who awarded $150,000 to each child.

On appeal for the second time, Boland argued that the children did not suffer any injury because he never displayed the images outside a courtroom and never transmitted them electronically. He also said the law violated his First Amendment rights to create and use the images to defend clients in court.

A unanimous, three-judge panel of the 6th Circuit rejected those arguments on Friday, affirming the damages award.

"When he created morphed images, he intended to help criminal defendants, not harm innocent children," Judge Jeffrey Sutton wrote. "Yet his actions did harm children, and Congress has shown that it means business in addressing this problem by creating sizeable damages awards for victims of this conduct."

The existence of the images hurt the children's reputation and emotional wellbeing, the court found.

The court also noted that Boland could have made his point another way, by manipulating the photos of real adults or by using pictures of children generated entirely by computer. Instead, he chose the option Congress prohibited: He displayed images of real children modified to look like they were engaged in sexual activity.

A lawyer for the parents, Jonathan Rosenbaum, did not respond to a request for comment.

Boland has also been in the news recently because for a time he represented Paul Ceglia, a former wood-pellet salesman who sued Facebook Inc for a 50 percent cut of the company, claiming he signed a contract with founder Mark Zuckerberg. Federal prosecutors in October charged Ceglia with forging documents central to the suit. Days later, Boland asked to withdraw from the case for personal reasons.

The child pornography case is Doe et al v. Boland, 6th U.S. Circuit Court of Appeals, No. 11-4237.

(Reporting by Terry Baynes in New York; Editing by Bernard Orr)

Source: http://news.yahoo.com/lawyer-owes-300-000-showing-child-pornography-trial-020640305--sector.html

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CEHD alumna writes children's book about animal friends on St. Kitts

9:12 a.m., Nov. 8, 2012--Can a dog and a monkey be best friends? In Heidi Fagerberg?s first children?s book, Lion Paw and Oliver ? An Unlikely Friendship, readers learn that the answer is yes.

Fagerberg, a University of Delaware College of Education and Human Development alumna, is writing a series of realistic fiction children?s books centered around the theme ?Living the Beach Life.? It is based on orphaned animals found near her home on St. Kitts, an island in the Caribbean.

Alumni Weekend

The University of Delaware Office of Alumni Relations invites the seven colleges, as well as all departments and affinity groups, to participate in Alumni Weekend 2013.

Director-shareholder engagement

The University of Delaware's John L. Weinberg Center for Corporate Governance hosted a panel discussion, "Director-Shareholder Engagement: Limits and Possibilities," in October.

?The main goal of this book is to show children that two individuals, who look different, act different, and come from two different worlds, can become friends. The series itself is based on how to manage friendships, survival tactics, and how to deal with losing family and friends,? explains Fagerberg, who received an undergraduate degree in early childhood development, education and human services in 1998 and a master?s in teaching English as a second language (TESL) in 2005.?

?My education at UD taught me a lot about literacy development and what makes a good children's book,? she says. ?This knowledge has helped me write my books in a way that touches on many different aspects of children's development.??

At the UD Children?s Campus, students at the Early Learning Center (ELC) and Laboratory Preschool have enjoyed the book, especially knowing that it was written by a UD graduate. ?The children think it?s very exciting that Miss Heidi lives on the beautiful island pictured in the book,? says Peg Bradley, director of the ELC.?

Hers has not been a normal career path, Fagerberg admits. Originally from Irvington, N.Y., she came to UD because it was centrally located between family in New York and Maryland. While earning her master?s degree, she participated in a study abroad program in Costa Rica. This inspired her to pursue a concentration in TESL and led to a teaching position in Costa Rica where she lived for two years upon graduation. She subsequently moved to the Caribbean where she now owns and runs St. Kitts Sailing School.?

?I use the skills I learned as an undergrad when teaching my young students, ages four to eight, how to sail,? says Fagerberg. ?I can also explain to my staff how to instruct children, which is great because I have junior staff who not only have learned to sail, but are also learning how to teach.??

Fagerberg also received a strong education in the use of technology at UD in and out of the classroom. It has helped her run her business as well as design the type of books she is writing. To enhance the educational experience of her books, she has created a website, called Living the Beach Life, that will soon include learning questions and activities for teachers to incorporate into their readings.?

?Reflection was a key to my education at UD. We always were asked to reflect on our implementation of lesson plans and how we could implement them better the next time. This has taught me a valuable skill -- reflection has allowed me to learn from my mistakes. I?ve learned not to be afraid to make mistakes, but try very hard not to make the same mistake twice.??

Fagerberg is currently working on a second book, titled Remember When, which deals with loss of a loved one and features a beloved beach pig named Wilbur. The Living the Beach Life series is edited and published by CaribbeanReads.

Lion Paw and Oliver is available at UD?s Education Resource Center in the Willard Hall Education Building.

Article by Alison Burris

Source: http://www.udel.edu/udaily/2013/nov/fagerberg-book-110812.html

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