12
HERTHA AUMOEUALOGO News Editor A closer look at updated forecasts of volcanic smog, or vog, is now available at your fingertips, thanks to the efforts of University of Hawai‘i researchers. Steven Businger, the principal investiga- tor of the Vog Measurement and Prediction Project, said via e-mail, “The model maps show the extent of the vog, they are quite ac- curate.” For three years, Businger and other researchers have been working to increase public awareness through the website. So far, he said, “people who are sensitive to vog (e.g., get allergic reactions) have been quite vocal in their approval of the site.” When questioned about the beginning of the program, Roy Huff, the lead weather and vog modeler for the website wrote, “The initial template was created by a cou- ple of employees within the department, and I received assistance with graphical output of the meteograms and scatter plots from MS candidate Doug Stolz.” Vog is defined on the VMAP home page as “a mixture of sulfur dioxide (SO2) gas and sul- fate (SO4) aerosol. SO2 (invisible) reacts with oxygen and moisture in the air to produce SO4 aerosol (visible).” This has the potential to be- come a health problem for people with asthma and other respiratory complications. Some of the project’s funding comes from the United States Geological Survey, a federal agency which studies the landscape of the U.S. The sulfur dioxide and sulfate measurements on the VMAP website are provided by the Hawai‘i State Department of Health and the National Park Service. Many Hawai‘i residents have been ex- posed to vog, claiming it smells like the smoke of burning rubber tires. Physical re- actions include irritated eyes, sore throat and burning sinuses. The endless discharge of volcanic gases, in this case sulfur dioxide from K ī lauea’s erupting vents, also causes rain- water to become contaminated with acid, which presents a health hazard. The website not only provides a reli- able prediction of vog, but also serves a larger purpose in House Bill 314, which relates to disaster awareness. A Disaster Preparedness Commission will be estab- lished in developing safety plans for natu- ral hazards and emergencies. Although the bill will not be effective for an- other nine years, UH has taken the initiative. According to Businger, one of the prob- lems of predicting vog is underestimating sulfate aerosol, specifically on the Kona side of the Big Island. “We hope to implement clouds in our dispersion model this spring and that should improve the forecasts,” he said. “Since the original source area is small, minor errors in wind direction can result in large errors in vog forecasts.” “The project is in cooperation with the USGS, and funding is currently slated to expire Sept. 30 of this year,” said Huff in an e-mail, “We are currently looking for addi- tional sources of funding.” However, there are currently two main up- dates in the near future which should improve the accuracy of the model displayed on the web- pages. First, plume height algorithms that will better determine exactly where within the at- mosphere pollutants are being dispersed. Sec- ondly, a wet deposition algurithm to deal with sulfate conversion rates within the clouds. UH researchers monitor the vog to pro- vide the most reliable information and up- dates on Kī lauea’s recent activity. While the website’s core purpose has already been laid out, there is still a lot of work to be done. For more information, visit http://weath- er.hawaii.edu/vmap. K A L EO EO THE VOICE Volume 105 Issue 77 WEDNESDAY, MARCH 2 to THURSDAY, MARCH 3, 2011 Serving the students of the University of Hawai‘i at Mānoa since 1922 Checkbook challenged? Focus on your finances Features 4 Cut costs Brew your own beans Opinions 7 www.kaleo.org Mohandas Gandhi’s grandson Arun Gandhi speaks today at noon at the East-West Center’s Burns Hall. His lecture, titled “Nonviolence: A Means for Social Change,” is part of an education outreach ini- tiative sponsored by the We Are One Foundation and the Ghandi International Institute for Peace. UH faculty launches first-ever online ‘vog’ forecast UH faculty launches first-ever online ‘vog’ forecast TOASTYKEN/FLICKR Volcanic emissions from Kīlauea make their way down the island chain in the form of vog. INSIDE: FINANCIAL ISSUE SCHOLARSHIPS BUDGETING SAVING MONEY LOAN PROGRAMS SURF Report Arrive & Drive! Formula 1 Style Track with 45 mph Go-Karts (808) 682-RACE 91-1085 Lexington St - Bldg 1844 Kapolei, HI 96707 Wednesday N: 2-4 ft. W: 1-2 ft. S: 1-2+ ft. E: 2-4 ft. Thursday N: 5-7 ft. W: 3-5 ft. S: 1-2 ft. E: 1-3+ ft www.podiumraceway.com

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HERTHA AUMOEUALOGO

News Editor

A closer look at updated forecasts of volcanic smog, or vog, is now available at your fi ngertips, thanks to the efforts of University of Hawai‘i researchers.

Steven Businger, the principal investiga-tor of the Vog Measurement and Prediction Project, said via e-mail, “The model maps show the extent of the vog, they are quite ac-curate.” For three years, Businger and other researchers have been working to increase public awareness through the website. So far, he said, “people who are sensitive to vog (e.g., get allergic reactions) have been quite vocal in their approval of the site.”

When questioned about the beginning of the program, Roy Huff, the lead weather and vog modeler for the website wrote, “The initial template was created by a cou-ple of employees within the department, and I received assistance with graphical output of the meteograms and scatter plots from MS candidate Doug Stolz.” Vog is defi ned on the VMAP home page as “a mixture of sulfur dioxide (SO2) gas and sul-fate (SO4) aerosol. SO2 (invisible) reacts with oxygen and moisture in the air to produce SO4 aerosol (visible).” This has the potential to be-come a health problem for people with asthma and other respiratory complications. Some of the project’s funding comes

from the United States Geological Survey, a federal agency which studies the landscape of the U.S. The sulfur dioxide and sulfate measurements on the VMAP website are provided by the Hawai‘i State Department of Health and the National Park Service. Many Hawai‘i residents have been ex-posed to vog, claiming it smells like the smoke of burning rubber tires. Physical re-actions include irritated eyes, sore throat and burning sinuses. The endless discharge of volcanic gases, in this case sulfur dioxide from Kīlauea’s erupting vents, also causes rain-water to become contaminated with acid, which presents a health hazard. The website not only provides a reli-able prediction of vog, but also serves a

larger purpose in House Bill 314, which relates to disaster awareness. A Disaster Preparedness Commission will be estab-lished in developing safety plans for natu-ral hazards and emergencies. Although the bill will not be effective for an-other nine years, UH has taken the initiative. According to Businger, one of the prob-lems of predicting vog is underestimating sulfate aerosol, specifi cally on the Kona side of the Big Island. “We hope to implement clouds in our dispersion model this spring and that should improve the forecasts,” he said. “Since the original source area is small, minor errors in wind direction can result in large errors in vog forecasts.” “The project is in cooperation with the USGS, and funding is currently slated to

expire Sept. 30 of this year,” said Huff in an e-mail, “We are currently looking for addi-tional sources of funding.” However, there are currently two main up-dates in the near future which should improve the accuracy of the model displayed on the web-pages. First, plume height algorithms that will better determine exactly where within the at-mosphere pollutants are being dispersed. Sec-ondly, a wet deposition algurithm to deal with sulfate conversion rates within the clouds. UH researchers monitor the vog to pro-vide the most reliable information and up-dates on Kīlauea’s recent activity. While the website’s core purpose has already been laid out, there is still a lot of work to be done. For more information, visit http://weath-er.hawaii.edu/vmap.

KALEOEOT H E V O I C E

Volu me 105 I ssue 77W E DN E S DA Y, M A RC H 2 t o T H U R S DA Y, M A RC H 3 , 2 011Ser v i ng t he st udent s of t he Un iversit y of Hawa i ‘ i at M ā noa si nce 19 22

Checkbook challenged?Focus on your fi nances

Features 4

Cut costsBrew your own beans

Opinions 7

w w w. k a leo.org

Mohandas Gandhi’s grandson Arun Gandhi speaks today at noon at the East-West Center’s Burns Hall. His lecture, titled “Nonviolence: A Means for Social Change,” is part of an education outreach ini-tiative sponsored by the We Are One Foundation and the Ghandi International Institute for Peace.

UH faculty launches first-ever online ‘vog’ forecastUH faculty launches first-ever online ‘vog’ forecast

TOASTYKEN/FLICKR

Volcanic emissions from Kīlauea make their way down the island chain in the form of vog.

INSIDE: F INANCIAL ISSUE SCHOLARSHIPS BUDGETING SAVING MONEY LOAN PROGRAMS

SURF ReportArrive & Drive!

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ThursdayN: 5-7 f t .W: 3-5 f t .S: 1-2 f t .E: 1-3+ ftw w w . p o d i u m r a c e w a y. c o m

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Making sustainability work for Hawai‘iMaking sustainability work for Hawai‘iANDREA DECOSTA

Staff Writer

A decade of increasing gaso-line and consumer goods prices are reminders that Hawai‘i’s resi-dents need to remain focused on sustainable efforts to manage our natural resources. Tony Kuh, director for Renew-able Energy & Island Sustain-ability, points to how the entire UH system can grow with these efforts. Students within the UH system are encouraged to par-ticipate in internships with local businesses and organizations. “We are never going to be com-pletely free from fossil fuels,” said Kuh. “However, Hawai‘i can sig-nifi cantly reduce the dependence on fossil fuels as early as the year 2030 with a focus on clean energy, energy effi ciency, and more use of natural and renewable energy.” REIS was established in 2009 with proceeds from a Sustainable Earth Day contest and has since received additional funding for

its approach using an education-business partnership model. The

program seeks to grow a local em-ployee base including future engi-

neers, scientists and policymak-ers within a matrix that promotes

sustainability through alternative energy sources. Crude is up $0.53 during the last reporting period, according to the latest Energy Information Ad-ministration report. Hawai‘i driv-ers pay more at the pump than the national average of $3.19 per gallon – ranging from $3.49 per gallon for regular to $3.99 for premium. “Transitioning to the use of re-newable energy is one of the key ways we can balance energy de-mands and environmental needs. Through our use of solar, wind, geothermal, ocean thermal and wave energy, we can greatly reduce our dependence on fossil fuels,” Sen. Mike Gabbard said. “This will helps us address climate change. This helps us decrease greenhouse gases, air and water pollution, and our risk of major oil spills.” Recognizing the importance of incorporating sustainable prac-tices into governance, the Hawai‘i state legislature in 2005 passed Act 8, the Hawai‘i State Sustain-ability Plan. From this plan, a task

DOYLE MOELLER / KA LEO O HAWAI‘I

Renewable Energy & Island Sustainability, established in 2009 through a H Manoa grant, seeks to make scientifi c, economic and social changes to end dependency and fossil fuels.

EATURES [email protected] REECE FARINASASSOCIATE ALVIN PARK

ASSOCIATE HAIYA SARWAR

WEDNESDAY, MARCH 2, 2011

Ka Leo O Hawai‘i

22 FF

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force developed, and two years of research and community out-reach followed. Task force outreach includ-ed feedback from more than 10,500 participants in focus groups and online surveys, in addition to industry experts. The culmination is a set of nine priority actions and periodic measurable benchmarks tar-geted at achieving the f ive goals established in the plan. Prior to his position as Chair for the Senate Energy and Envi-ronment Committee, Gabbard

worked to integrate these prac-tices into the Hawai‘i master plan as a member of the plan’s task force from 2007-08. The task force submitted their completed plan to the Legislature in 2008, which responded by directing the UH Public Policy Center to review and comment prior to the fi nal task force report. “That report was submit-ted to the Legislature in Janu-ary 2010. Last session, SB2532 was introduced to incorporate the definitions, guiding prin-ciples and goals of the Hawai‘i

2050 Sustain-ability Task Force report into the state planning act. This bill did not pass,” said Gabbard. “This ses-sion, SB283 has been in-troduced to

do the same thing as SB2532. SB283 is awaiting a hearing in the Senate Water, Land and Housing Committee.” Employing what plan chair Russell Kokubun referred to as the “triple bottom-line,” the plan’s philosophical goals are founded on fi nding balance between com-munity, environmental and eco-nomic needs. The 2020 benchmark ranks housing and education as priorities, followed by a reduction in food and energy importation by increasing the amount of food grown and consumed locally. Kokubun, as newly appointed chair for the Department of Ag-riculture, has charged his staff with enhancing Hawai‘i’s agri-cultural output to respond to the need to kick the dependency on imported products. Reducing Hawai‘i’s import needs by bol-stering what once was a thriving agricultural economy has both its supporters and detractors. Re-publicans like Sen. Sam Slom are

decrying the benefits of earlier legislative mandates on the use of ethanol-blended fuels, calling these measures “baloney.” Slom submitted a bill this ses-sion to repeal the existing statute on the grounds that the statute hasn’t lived up to promises made early on. According to Slom, the ethanol mandate has not saved consumers any money and in-stead has led to unintended con-sequences – mainly higher over-all consumer prices. For their part, Democrats have focused their legislative ef-forts at the plan’s intermediary goals, through the expansion of affordable housing using many of tax incentive measures. Re-sponding to the need to reduce imported fuel, Sen. Carol Fuku-naga presented a measure that would create a biofuel facility that may well provide the eco-nomic, agricultural and techno-logical incentives Hawai‘i con-sumers demand.

SUSTAINABILITY TASK FORCE HAWAI‘I NUMBERS HAWAI‘I NUMBERS CRUNCHCRUNCH

~Hawai‘i imports approximately 90 percent of

its food products

~Population in Hawai‘i increased 6.9 percent since

July 2000

~Cost of living 30 to 60 percent above the national average

~10th highest cost of living in the nation

~Per capita personal income below national average

HAWAI‘I FAMILYHAWAI‘I FAMILYOF FOUR FACTOIDOF FOUR FACTOID

In 2006, a Hawai‘i family of four hoping to rent a housing unit would need a combined income of $111,695, or 55 percent more than the nation-al average of $72,000.

HAWAI‘I 2020 BENCHMARKSHAWAI‘I 2020 BENCHMARKS

Increased affordable housing by 140 percentEnhanced public education

Expanded recycling and reuse programsIncreased economic diversity

Increased locally grown produce

[email protected] REECE FARINASASSOCIATE ALVIN PARKASSOCIATE HAIYA SARWAR

WEDNESDAY, MARCH 2, 2011

Ka Leo O Hawai‘i

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ASSOCIATE HAIYA SARWARWEDNESDAY, MARCH 2, 2011

Ka Leo O Hawai‘i

44

Take control of your spend-ing habits by creating a

budget

ELLISE AKAZAWA

Managing Editor Budget deficits and waste-ful spending aren’t just the stuff of newspaper headlines; many students find them-selves spending more than they intended and coming up short at the end of the month. Creating a bud-get is a free and simple way to take control of your financial life.

WHY BUDGET? First, creating a budget reduces stress. You don’t need to wor-ry about how you’ll pay for your expenses, or guess if you can af-ford to buy that Nikon

camera you’ve been eyeing. Your budget can make these decisions for you. Second, establishing good fi -nancial habits by making and sticking to a budget will help you in the long run. Once you get out of the colle-giate cocoon and into the proverbial real world, solid money management skills will prevent you from getting into credit card debt or taking out loans you can’t afford to pay back.

TRACK YOUR SPENDING The first step to creating a budget is to track your spending. “Start recording all of your expenses and income for one month,” advised UH finance professor Rosita Chang. This may be the most difficult part of the process. Beginning tomorrow, write down every expenditure you make. This includes your morning coffee from Starbucks, the gas for your moped, and the extra textbook you needed for class. Don’t forget to include any expenses that are automatically deducted from your credit card or

Master your financial lifeMaster your financial life

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EDITOR REECE FARINASASSOCIATE ALVIN PARKASSOCIATE HAIYA SARWAR

WEDNESDAY, MARCH 2, 2011

Ka Leo O Hawai‘i

JESSICA CRITCHER Contributing Writer

College is expensive. To af-ford a degree, most students bury themselves in debt or live in con-stant thrift to face the rising costs of higher education. But there is another option that a lot of people overlook: scholarships. I have been awarded over $2000, so while I may not be an expert on the sub-ject, I can offer some advice. First, if you don’t have a job, make applying for scholarships your job. In addition to hours of searching, many scholarships re-quire writing essays, asking for letters of recommendation, and even tedious trips to the post of-fice. The ratio of work required to money offered is usually pretty fair, but remember that scholarships with easy applica-tion processes will have more ap-plicants. If you put forth the time and effort to apply for as many scholarships as possible, your odds of winning increase. Second, know where to ap-ply and how to make the most of your unique strengths. To fi nd

scholarships, many people rec-ommend Fastweb.com. I’ve had good personal experience with Zinch.com and Cappex.com, as well as our own UH Banner sys-tem. These sites offer thousands of scholarships, but they also have effective fi ltering methods that help you narrow the search by relevance. Don’t be discouraged by odd-ly specifi c scholarships for which you are not eligible. You wouldn’t want to take money away from women of color in the engineer-ing fi eld or children of blind vet-erans. If a scholarship does not apply to you, simply disregard it and keep searching for some-thing that does fi t. You might be able to get scholarships through your community. Do you play an instrument? Have a high GPA? Volunteer for a nonprofi t orga-nization? Participate in a quirky sport? All of these details about you are relevant. Try fi ltering your search by major, gender or religious preference. Play to what makes you unique. I received $250 from a society of atheists who wanted to support free-thinking

youth. I won $1000 from a fund for military wives. There are people in your chosen fi eld who want to help you advance, but you have to be persistent enough to search for the opportunity. Third, now that you’ve found the scholarship, apply for it. Ap-ply on time, and follow the direc-tions exactly as specifi ed. This may seem like a no-brainer, but being able to follow directions is a hidden test of your eligibility for the scholarship. A prize from the OP Loftbed Company, for ex-ample, told applicants to read the rules section before applying. The rules said to put an unrelated sen-tence as the answer to one of the application questions. Students without the irrelevant sentence were immediately disqualifi ed for not having read the rules. Finally, don’t sell yourself short. You’re smart enough to have gotten into college, so you have just as much of a chance to win as anyone, as long as you put in the work. Plus, now that I’m about to graduate, you won’t have to compete against me anymore. Good luck!

Scholarship advice from a fellow studentScholarship advice from a fellow student

SHINICHI TOYAMA / KA LEO O HAWAI‘I

In the 2008-09 school year, the UH Foundation awarded roughly $5 million to students.

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ASSOCIATE HAIYA SARWARWEDNESDAY, MARCH 2, 2011

Ka Leo O Hawai‘i

66

checking account, such as gym mem-berships or Netfl ix subscriptions. In addition to tracking what you spend, keep track of all your income. This includes work pay-checks, stipend checks and tips, as well as any money received from outside sources such as your parents.

CATEGORIZE After tracking how you spent your money, divide your expenses into nondiscretionary and discre-tionary spending. Nondiscretionary spending includes fi xed costs such as rent, student loan payments, textbooks and health insurance. Discretionary expenses are variable expenses such as cloth-ing, entertainment and take-out meals. “We always have the fallacy that we spend less than we do,” said Chang. “So by tracking these ex-penses, we can distinguish between

what is necessary and what is not.”

IDENTIFY PROBLEM AREAS After tracking your spending, you may find that you simply do not have enough cash f low to cov-er your basic necessities. In this case, it might be necessary to

take serious action, such as get-ting a second job or finding less expensive housing. If you do have enough income to meet your expenses, but find yourself frittering away your hard-earned dollars, then start cutting back. While reducing your spending is difficult, small lifestyle changes can translate into big long-term savings. In fact, many students will be amazed to discover how much they spend on

unnecessary items. For example, if you buy a $4 smoothie from Jamba Juice three days a week, that adds up to $48 per month. If you keep up your habit throughout the academic year, you will have shelled out $432. This doesn’t mean that you

need to forgo your morning Jam-ba altogether. Instead, opt for treating yourself once a week, or create smoothies at home and bring them to campus. The key to spending less is to fi nd out what is important. “Dis-tinguish among these expenses to determine what is really essen-tial,” Chang said.

CREATE YOUR BUDGET Now for the easy part: create

your budget based on your spend-ing. A simple monthly budget for a student living off campus might be $500 for rent, $100 for utili-ties, $140 for gas, $200 for food, $50 for entertainment and $50 for miscellaneous items. A student living on campus, whose housing and meal plans have already been taken care of, will fi nd that he or she can get by on even less. A sample monthly budget for this student might be $75 for entertainment, $50 for non-meal plan food and $25 for other ex-penses. If this student made $400 per month from an on-campus job, then that leaves an additional $250 per month for savings, investing or paying off a student loan.

REVIEW AND ADJUST Remember that a budget is ultimately a tool to help you and your fi nances. Don’t be afraid to adjust as you learn more about your spending.

Financial lifefrom page 4

Ka Leo O Hawai‘iUniversity of Hawai‘i at Mānoa2445 Campus RoadHemenway Hall 107Honolulu, HI 96822

Newsroom (808) 956-7043Advertising (808) 956-3210Facsimile (808) 956-9962E-mail [email protected] site www.kaleo.orgKa Leo O Hawai‘i is the campus newspaper of the

University of Hawai‘i at Mānoa. It is published by

the Board of Publications three times a week except

on holidays and during exam periods. Circulation is

10,000. Ka Leo is also published once a week during

summer sessions with a circulation of 10,000. Ka Leo

is funded by student fees and advertising. Its editorial

content reflects only the views of its writers, report-

ers, columnists and editors, who are solely respon-

sible for its content. No material that appears in Ka

Leo may be reprinted or republished in any medium

without permission. The first newsstand copy is free;

for additional copies, please visit the Ka Leo Building.

Subscription rates are $50 for one semester and $85

for one year. ©2010 Board of Publications.

ADMINISTRATIONThe Board of Publications, a student organization

chartered by the University of Hawai‘i Board of

Regents, publishes Ka Leo O Hawai‘i. Issues or con-

cerns can be reported to the board (Devika Wasson,

chair; Henry-lee Stalk, vice chair; or Ronald Gilliam,

treasurer) via [email protected].

Visit www.hawaii.edu/bop for more information.

KKAALLEOEOT H E V O I C E

The key to spending less is to find out what is important.

Page 7: Mar22011

OPINIONS DESK

Students, stop indulging in that cup of coffee, cigarette or leafy green substance. Every dollar earned needs to be saved

for a future where the notion of Social Security for anyone 65 and older will be a footnote in the history books. It ’s clear that the future may not be students’ top priority. Stu-dents have a tendency to focus on

the costs of parties over saving. This is

p e r -haps

w h y s t u d e n t

loan debt is now greater than

credit card debt. It ’s a f lawed assumption to believe that students are solely responsible for irre -sponsible spending. It is the fault of a society that promotes consumerism without proper f inancial planning. This leads to individuals f lexing their pur-chasing power now, instead of saving funds for later.

If saving money appears to be a herculean task, start by creating a budget (tips on page 4). For students looking to in-vest small amounts of money at a time, why not purchase a sil -ver coin, or a few stock shares? Students spending $20 -$30 on a few pizzas can purchase an American Silver Eagle for the same price. The American Sil-ver Eagle is one of the few coins that is 99 percent pure silver, not a mixture of metals. This is important because the purity of a coin’s composition will often determine how much it can be sold for on the bullion market. For stocks, it ’s possible to make wise purchases through proper research. Websites such as sharebuilder.com and tdameri-trade.com allow for easy trading. These saving methods can become habitual if they’re read-ily practiced. The bottom line for students, regardless of the method, is that now is the time to begin saving for a future where benefits may not be present.

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EDITOR LINDSY OGAWAASSOCIATE DAVIN AOYAGI

WEDNESDAY, MARCH 2, 2011

Ka Leo O Hawai‘i

OOPINIONSStash and saveStash and save

Students, stop indulging in that cup of coffee, cigarette or leafy green substance. Every dollar earned neeededs s to be saved

and older will be a footnote in the history books. It ’s clear that the future may not be students’ top priority. Stu-dents have a tendency to focus on

the costs of parties over saving.This is

p e r -haps

w h y s t u du e n t

loan debt is now greater than

credit card debt.It ’s a f lawed assumption

to believe that students are solely responsible for irre -sponsible spending. It is thefault of a society that promotes coc nsumerism without proper f inancial planning. This leads to individuals f lexing their pur-chasing power now, instead of saving funds for later.

a budget (tips on For studentvest small amoa time, why nover coin, or a fStudents spenda few pizzas cAmerican Silvesame price. Thver Eagle is onethat is 99 pernot a mixture oimportant becaa coin’s compodetermine howsold for on the For stocks,make wise puproper researchas sharebuilder.trade.com allow These savibecome habituaily practiced. Tfor students, rmethod, is that begin saving fobenefits may noSHINICHI TOYAMA/KA LEO O HAWAI‘I

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Page 8: Mar22011

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EDITOR LINDSY OGAWAASSOCIATE DAVIN AOYAGI

WEDNESDAY, MARCH 2, 2011

Ka Leo O Hawai‘i

88OPINIONS DESK

Many students fret over stu-dent loans. This fear is well-found-ed; according to a Fastweb.com article titled “Total College Debt Now Exceeds Total Credit Card Debt,” on the national level, “stu-dent loan debt outstanding totaled at least $830 billion as of June 2010, with roughly $665 billion in federal education loans and $168 billion in private student loans.” The article continiued to state that “the president’s FY2011 bud-get reports actual federal educa-tion loans totaling $605.648 billion as of FY2009.” This fi gure of $830 billion exceeds the national credit card debt of $826 billion. With such harrowing fi gures in mind, loan forgiveness and service payback programs are one way to allay the fears of crippling student

debt. A Congressional Research Report on student loan forgiveness programs reported that, “Service payback programs cover all or a portion of a student’s school costs if the student agrees to work for a specifi c period of time in a speci-fi ed fi eld or job after completing his/her education … [while] loan forgiveness programs repay a per-centage of a former student’s edu-cational debt in exchange for work in a designated job.” Some of the more popular programs include:

LOAN FORGIVENESS FOR TEACHERS The Federal Family Education Loans and William D. Ford Direct Loan Program offer reprieve for loans via the teacher loan forgive-ness program. The CRR reported, “Teaching must be in a low-income public or private nonprofi t school

which is in a district eligible for Elementary and Secondary Educa-tion Act Title I-A funding. (A low-income school is defi ned as one in which the percentage of children from low-income families enrolled in the school exceeds 30 percent of total enrollment.)” This program, according to the CRR, “provides qualifi ed teachers up to $5,000 in total loan principal and interest forgiveness after fi ve consecutive years of full-time teaching.”

PERKINS LOANS FORGIVENESS Students that obtain federal Perkins loans can work and volun-teer to have these loans forgiven. These loans fall into four catego-ries: volunteer service, law en-forcement, early intervention and nurse/medical technicians.

Some positions that are eli-gible for forgiveness include: full-time teachers employed in public or nonprofit elementary or secondary schools; members of the Armed Forces for service in an area of hostilities; volunteer service under the Peace Corps Act or the Domestic Volunteer Service Act of 1973; full-time law enforcement or corrections of-ficers; full-time nurses or medi-cal technicians providing health services; and full-time employ-ees of public or private nonprofit child or family service agencies who provide or supervise service for high-risk children from low-income communities.

FEDERAL AND STATE PROGRAMS Programs for military and civilian federal employees may

also serve to relieve student debt. The CRR states that, for military employees, “student loan forgive-ness programs constitute a small share of the educational assis-tance programs available to mili-tary personnel,” whereas civilian employees “may [receive] up to $10,000 per year, and $60,000 in total, toward … student debt.” Other programs such as the National Health Service Corps offer loan forgiveness and ser-vice payback programs to en-courage people to become health care providers. The CRR report-ed that “the NHSC will pay up to $50,000 of outstanding qualified student loans for the first two years of service.” With loan forgiveness and ser-vice payback programs, students can both be civically engaged and repay their loans.

Loan forgiveness programsLoan forgiveness programs

Page 9: Mar22011

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EDITOR ANN MACARAYAN

WEDNESDAY, MARCH. 2, 2011

Ka Leo O Hawai‘i

Page 10: Mar22011

Los Angeles Times Daily Crossword Puzzle Edited by Rich Norris and Joyce Lewis

By Dan Naddor 03/02/11

HOROSCOPES

Fill in the grid so that every row, every column, and every 3x3 box contains the

digits 1 thru 9.

Puzzles will become progressively more diffi cult

through the week.

Solutions, tips and computer program at www.sudoku.com

Go to www.kaleo.org for this puzzle’s solution. MEDIUM # 48

7 1 93 2 16 2 4

3 71 5 8 2

4 14 6 32 3 6

3 8 4

By Nancy Black and Stephanie ClementsTribune Media Services (MCT)

Today’s Birthday (03/02/11). Love is in the air, and money wants your attention ... but don’t waste it. Give attention generously, and save your cash for a rainy day. After all, money can buy an expensive ring, but it can’t buy you love.To get the advantage, check the day’s rating: 10 is the easiest day, 0 the most challenging.

Aries (March 21-April 19) -- Today is a 7 -- Today you may find your perfect partner, but it will require you to step out of your shell. Be patient, especially regarding your own goals.

Taurus (April 20-May 20) -- Today is an 8 -- Your optimism is contagious. Have you considered a career in public office? Today is a good day to develop your leadership skills. People are listening.

Gemini (May 21-June 21) -- Today is a 7 -- Be ambitious and willing. Challenge your old self to bring new ideas to flower. Go outside for fresh air, and find inspiration in trees. Spread your roots.

Cancer (June 22-July 22) -- Today is a 6 -- The dead autumn leaves feed spring flowers. When the day looks dark, imagine a double rainbow in your future. Be patient. Something’s gestating.

Leo (July 23-Aug. 22) -- Today is a 7 -- Don’t worry about updating your Facebook status. Get together with friends in real-time instead. You’ll all appreciate it. Add time outdoors

moving your body for extra points.

Virgo (Aug. 23-Sept. 22) -- Today is a 9 -- Too much work and no play can make Virgo very dull. Make sure you get plenty of rest. Sitting down looking at a screen can be strenuous. Take a break.

Libra (Sept. 23-Oct. 22) -- Today is a 7 -- A child has the answer. You were one once. Love the memory of that kid, and forgive everything. Your time is too precious to spend it on regret or bitterness.

Scorpio (Oct. 23-Nov. 21) -- Today is a 7 -- You don’t need to rearrange all the furniture to make your home feel like new. It may just require a new plant or some new music. Enjoy your nest.

Sagittarius (Nov. 22-Dec. 21) -- Today is a 7 -- Use technology wisely to communicate your thoughts. There are people out there who want to hear them. Celebrate diversity, and share words for all.

Capricorn (Dec. 22-Jan. 19) -- Today is a 9 -- Wealth comes easily when you’re open to receiving and sharing it. Pay special attention to your insights today. They’re golden. Give back to get more.

Aquarius (Jan. 20-Feb. 18) -- Today is a 9 -- You’re on top of the world, looking down on creation. Celebrate singer Karen Carpenter’s birthday. Celebrate music. Use your vantage point to look ahead.

Pisces (Feb. 19-March 20) -- Today is a 6 -- Today you may encounter the biggest monsters to fight in the most difficult level of this game called life. Learn from the battle, and rest up.

HOROSCOPES

ACROSS1 Sierra Nevada resort6 Like some checking accounts

11 Scand. land14 Observe Yom Kippur15 Neptune’s realm16 When repeated, a Latin dance17 Feature of the answers to starred

clues19 Children’s author/illustrator Asquith20 Icky stuff21 Common flashlight power source22 Endure23 *Poker holdings25 Actor Dillon et al.26 Hwys.27 Chinese discipline28 Cut’s partner31 *Subdued34 First N.L. 500 home run club

member35 Indictment37 “__ pales in Heaven the morning

star”: Lowell38 *Prepared to jog40 Less refined42 Degree requirements, at times43 Convert to leather, as a hide44 Minor cost component45 *Stained51 Ship of Greek myth52 European toast53 Fit54 Living in Fla., maybe55 Feature of the answers to starred

clues57 Morse unit58 Racket59 More repulsive60 Many IRA payees61 Landlord62 Really dumb

Solutions at www.kaleo.org

DOWN1 Zesty flavors2 Leaning3 __ society4 Cocktail preparation phrase5 Sushi fish6 Tally symbol7 Large wedding band8 Strikes one as9 Viscount’s superior

10 One-third of ninety?11 *Pocketed the cue ball12 Obligatory joke response13 Park Avenue resident, e.g.18 ER tests22 Secular24 Imagines25 Young food court loiterer27 Afternoon service28 Gift shop items on a rotating stand29 Where to see a caboose30 *Fortes31 USC or NYU32 Prov. on James Bay33 Amer. currency36 IV units39 __ perpetua: Idaho’s motto41 “__ My Heart”: 1962 #1 R&B hit for

Ray Charles43 Going rate?45 Coil of yarn46 Western

chasers47 Ply48 “¿__ usted español?”49 Paula’s “American Idol” replacement50 Steel plow developer52 Winter forecast55 John Lennon Museum

founder56 VII x VI

AMESWEDNESDAY, MARCH 2, 2011

Ka Leo O Hawai‘iGG1010

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Page 11: Mar22011

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EDITOR RUSSELL TOLENTINOASSOCIATE MARC ARAKAKI

WEDNESDAY, MARCH 2, 2011

Ka Leo O Hawai‘i

’Bows playing top teamsGLENN VERASCO

Senior Staff Writer

John Nelson, the University of Hawai‘i men’s tennis coach, is not concerned with the Rainbow Warriors’ 1-5 record. “I’ve never been about wins, losses. That doesn’t mean anything to me,” Nelson said. “I’m not doing my job if they’re not learning.” And they have learned by playing the best. All six teams they have matched up against are currently ranked in the top 65, including No. 4 Texas (10-1) and No. 6 Duke (9-4). UH’s only win so far came against No. 54 San Diego State (1-7) on the road on Feb. 22. Despite their record, Nelson doesn’t plan on making any big changes. “I never, ever put pressure on winning, but I put pressure on doing the right thing,” Nelson said. “Every single day is just a test.” But just because winning is not Nel-son’s top priority doesn’t mean his expec-tations are low. “I honestly feel we can go [to the] Sweet 16 [of the NCAA Championships],” he said.

The team has made three straight ap-pearances in the NCAA Tournament in the

last three years by winning the Western Athletic Conference Tournament. Nelson said the team benefi ts from playing tough teams early in the season. “I purposely set up a schedule where I don’t care if we win or lose,” he said. “I

want them to see what the best are doing. If you want to be good in life, you’ve got to do what the good ones are doing.” Senior Dennis Lajola, the team’s No. 1 singles player, anticipates success be-cause of the team’s depth.

Senior Jeremy Tweedt and juniors Leo Rosenberg and Daniel Llarenas provide experience, but the team has also received contributions from five un-derclassmen including freshman John Brooklyn, Lajola’s doubles partner. “I believe this is the best depth we’ve had as far as how many good players we have on this team,” Lajola said. “Now it ’s just time to prove ourselves.” Lajola and his teammates will have a chance to do that as they host back-to-back home matches against unranked Loyola Marymount (3-6) today at 3 p.m. and No. 23 Michigan (6 -3) at the same time tomorrow. Both matches will be played at the UH Tennis Complex, and ad-mission is free. Aside from a focus on learning and a positive outlook for the season, Nelson said he has one more mission for his team. “My goal is that after people play us, they hope to God they don’t have to play us again.”

No backspin for men’s tennisNo backspin for men’s tennis

FILE PHOTO / KA LEO O HAWAI‘I

Junior Dennis Lajola is the team’s No. 1 singles player. The Rainbow Warriors will host LMU today and Michigan State tomorrow at the UH Tennis Complex.

Rainbow Wahine host LMU Rainbow Wahine host LMU

The UH womenʼs tennis team (3-6) will also host Loyola Marymount on Wednesday at 1:30 p.m.

before the menʼs game at the UH Tennis Complex.

Page 12: Mar22011

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EDITOR RUSSELL TOLENTINOASSOCIATE MARC ARAKAKI

WEDNESDAY, MARCH 2, 2011

Ka Leo O Hawai‘i

1212 SS PORTS

JAKE CAMARILLO

Senior Staff Writer

Overcoming adversity is one thing Rainbow Wahine senior guard Megan Tinnin knows how to do. After all, even after her mother Jamie passed away, Tin-nin continued her education and basketball career at the Univer-sity of Hawai‘i. “What made me get through everything was her strength,” Tinnin said. “I believe that’s shin-ing in me, because of the decision I’ve made to come back.” Last season, Tinnin redshirt-ed and took a semester off school when her mother passed away after her battle with breast and ovarian cancer. Then she was faced with a dif-fi cult decision. “I was stuck in between giv-ing up and stop[ping] what I loved to do [basketball], or keep going and keep fi ghting,” she said. Tinnin chose to fight – for her mom. “Playing basketball was some-thing that she loved watching me do,” Tinnin said.

LEAN ON ME The Rainbow Wahine coach-ing staff and players supported Tinnin throughout the hardships. “When she lost her mother, we were right there for her,” head coach Dana Takahara-Dias said. “She knows that we’re her fam-ily away from home and we’ve always got her back.” Freshman guard Shawna-Lei Kuehu grew close to Tinnin, and also supported her. “I felt that if she wanted to talk about it, she would, and eventually she did,” Kuehu said. “I was just that listening ear ... I guess some-times you just need that person to listen to what you have to say – and that’s exactly what I did.” In return, Tinnin’s actions

also inspired Kuehu. “She’s shown me that any-thing is possible,” Kuehu said. “She’s shown me a lot in a sense to just try and ... look for the posi-tive in things and keep pushing for that person or the thing that means the most.” In fact, the team was moved by Tinnin’s ability to push through and focus on finishing her business degree and contrib-uting to the team. “We celebrate Megan, be-cause she could have easily said that basketball was not for her,” Takahara-Dias said. “She remembered her com-mitment to herself, to her mother and to the team.”

MAKING HISTORY Tinnin’s return to the court has been big for the ’Bows.

This season, she is averag-ing 9.1 points per game and has hit 46 3-pointers. She also helped the team to its first road win since 2009 and, most likely, a Western Athletic Conference Tournament berth. She also wrote her name in the UH women’s basketball re-cord books by setting the record for career 3-point shots made. “Her legacy will be a woman that has overcome so much ad-versity,” Takahara-Dias said. “For losing a mother during the season, to actually coming back her senior year and breaking and shattering the record ... it has a lot to do with her upbringing and what her mother meant to her.” Kuehu, who redshirted in the 2009-10 season as well, said she noticed the difference in the team without Tinnin.

“She is one of our key players, a 3-point threat,” Kuehu said. “We missed her last year – it would have been key if she was here, but this year turned out to be really good, especially in the second half of the WAC.” Her return has also brought leadership and infl uence. Kuehu called Tinnin a role model. “She’s very quiet, so she leads by example,” Kuehu said. “And she does that on and off the court very well.” Takahara-Dias sees those characteristics as well. “She’s like a rock that you can count on,” Takahara-Dias said. “You look at her and she’s very steady and level-headed, and she plays hard every day. “She works hard in the class-room, on the court and she works hard on being a really good person.”

COMING TO AN END Looking back, Tinnin is con-tent with the years that she’s spent as a student-athlete at UH. “There were a lot of ups and downs, but nothing’s perfect. And everything happened for a reason,” said Tinnin. “I wouldn’t trade these five years for any-thing else. I wouldn’t have trans-ferred, and I’m glad with the way things turned out.” The process of dealing with her mother’s passing has also changed Tinnin’s outlook. “It made me appreciate ev-erything in life, and the fact that I had one more year to come out and compete and do what I love to do,” Tinnin said. “That situation made me who I am today.” And fittingly, Tinnin dedi-cates all of her accomplishments this year to the memory of her mother, who still has an impact on her daughter. “I’ve come back to continue what I’m doing, to get my degree and to finish what I started five years ago,” Tinnin said. “What I’m doing now, I’m definitely do-ing it for her.”

SENIOR NIGHT The ’Bows wrap up their reg-ular season with a game against Utah State this Thursday at the Stan Sheriff Center at 7 p.m. Tinnin and fellow seniors Keisha Kanekoa, Allie Patter-son, Julita Bungaite and Mai Ayabe will be honored follow-ing the match during the Senior Night festivities.

Tinnin inspired by mother’s strengthTinnin inspired by mother’s strength

CHECK OUT HT TP://WWW.KALEO.ORG FOR A VIDEO INTERVIEW WITH MEGAN T INNIN

Senior guard Megan Tinnin will fi nish her career on the Rainbow Wahine bas-ketball team as the career leader in 3-point shots made.

RUSSELL TOLENTINOKA LEO O HAWAI‘I