Americans now owe more on student loans than on credit cards, The Wall Street Journal reported, citing figures from the Federal Reserve and Mark Kantrowitz, publisher of FinAid.org. The total owed in revolving credit, most of which is credit-card debt, is now $826.5-billion, according to June 2010 figures from the Fed, while Mr. Kantrowitz calculates the total owed in federal and private student loans as $3.2-billion higher—some $829.785 billion. The Journal notes, however, that the figures reflect a sharp drop over the past two years in revolving-credit debt, which reached a high of $975.7-billion in September 2008.
The SOUTH ORANGE COUNTY COMMUNITY COLLEGE DISTRICT — "[The] blog he developed was something that made the district better." - Tim Jemal, SOCCCD BoT President, 7/24/23
Monday, August 9, 2010
The bubble grows
Student-Loan Debt Surpasses Credit-Card Debt, Figures Show (The Chronicle of Higher Education)
Das Rote Kreuz (the Red Cross)
Yesterday, I posted some photos, including this one of my grandfather in his "Samariter" uniform—at least, that's what my dad insisted Grandpa is wearing.
"Yeah," I said, "but what about the crosses on his uniform?" My dad didn't know about those.
My mom confirms that, at least by the 30s, throughout Germany, there were local volunteer organizations that provided "first aid" services—for Fußball games, athletic competition, and whatnot. They were somewhat like volunteer fire departments, but they put out wounds and injuries, not fires. It was a very different world back then, a smaller, slower world.
It appears that, at least in the little town of Böblingen, the local group was called the "Samariters," at least into the thirties.
I did some checking, and there was indeed an organization by that name—the Arbeiter-Samariter-Bund—which was founded in 1888 and was shut down in some sense in 1933. (It has reappeared in 1945 and is again prominent.) Grandpa —"Opa"— was likely a member of the ASB and he ipso facto became a member of the German Red Cross (the Rotes Kreuz), which absorbed the ASB at about that time (I'm not entirely sure about this; some sources say that ASB became "affiliated" with the RK in '37). My dad remembers that Opa greatly disliked the new administration of the organization—now the Rotes Kreuz—and, according to what I've read, that likely concerned its increasing Nazification, culminating in an action in about 1938 that officially and unambiguously made the Rotes Kreuz an arm of the Nazi Party. (It was an "illegal" organization in the American sector immediately after the war. By 1952, it was welcomed back to the international community.)
Opa hated the Nazis, though my dad warns that, "Well, he pretty much hated anybody with authority. He was a big hater." As you know, Opa's older brother Karl was an active Communist, and it is clear that Opa hung around with that crowd quite a bit, at least up through the early 30s. He was also quite the Nature Boy, being an avid hiker and amateur naturalist and member of the German equivalent to the Sierra Club (the "Friends of the Forest"—something like that).
It seems pretty clear that, in the above photo, Opa is wearing the uniform of the Rotes Kreuz, of which my grandmother was also a member. And that kinda jibes with my dad's remembering the organization as the "Samariters." Likely, people continued to refer to the "Samariters" long after the ASB ceased actually to exist, with remnants operating loosely under that name--until 1937.
My mother remembers Opa's love of nature. Today, she told me that, when we moved into a new house near Villa Park in 1961, Grandpa and Grandma suddenly showed up and declared that they would be living with us. My mom's eyebrows arched skyward. She huddled with my dad and counter declared, "No frickin' way." The arrangement lasted a few months.
Opa insisted on doing the landscaping for our new home, something my mom looked forward to doing herself. "I do it," he commanded. Being Nature Boy, he'd always go for long walks (at the time, we were surrounded by orange groves and stands of eucalyptus trees, and we were very near the edge of the Santa Ana Mountains). After a while, Opa started coming back from his walks with increasingly large and absurd plants and trees. At one point, he brought home an enormous walnut tree (the way mom remembers it, he dragged the thing for miles) and insisted on planting it in front of the house.
"Yes, Opa, it is wunderbar, but it will become too big and take over," my mom complained. "Don't be silly," snapped Opa. Opa pretty much did what he wanted to do. He was always that kind of guy: decisive, uncooperative, naysaying.
Sure enough, the dang thing grew to a monstrous size and destroyed the sidewalk and curb. We had to tear the thing out. When Opa discovered this, he was furious.
Opa also insisted on planting a lawn, which was great, but my parents planned to put in a sprinkler system first, and none of that had yet been worked out. "Don't be silly! You don't need dat!" barked Opa in his comically bad pidgin English. So he planted the grass. It looked great. He seemed to hug it every morning. But watering it was a drag, and so, a while later (my mom had kicked Oma and Opa out of the house by then), my dad dug it up and put in a sprinkler system. That left a slight "scar."
Opa was again furious. Heimatland!
There are many such stories. The most colorful stories, however, concern my grandmother, "Oma." That'll have to wait.
Here's yet another "mystery" photo. That's Opa on the right. At least three of the people in this photo are wearing party hats of some kind. The quarters seem unusually cramped. There's a map on the wall. What on Earth is going on here?
"Yeah," I said, "but what about the crosses on his uniform?" My dad didn't know about those.
My mom confirms that, at least by the 30s, throughout Germany, there were local volunteer organizations that provided "first aid" services—for Fußball games, athletic competition, and whatnot. They were somewhat like volunteer fire departments, but they put out wounds and injuries, not fires. It was a very different world back then, a smaller, slower world.
It appears that, at least in the little town of Böblingen, the local group was called the "Samariters," at least into the thirties.
I did some checking, and there was indeed an organization by that name—the Arbeiter-Samariter-Bund—which was founded in 1888 and was shut down in some sense in 1933. (It has reappeared in 1945 and is again prominent.) Grandpa —"Opa"— was likely a member of the ASB and he ipso facto became a member of the German Red Cross (the Rotes Kreuz), which absorbed the ASB at about that time (I'm not entirely sure about this; some sources say that ASB became "affiliated" with the RK in '37). My dad remembers that Opa greatly disliked the new administration of the organization—now the Rotes Kreuz—and, according to what I've read, that likely concerned its increasing Nazification, culminating in an action in about 1938 that officially and unambiguously made the Rotes Kreuz an arm of the Nazi Party. (It was an "illegal" organization in the American sector immediately after the war. By 1952, it was welcomed back to the international community.)
Opa hated the Nazis, though my dad warns that, "Well, he pretty much hated anybody with authority. He was a big hater." As you know, Opa's older brother Karl was an active Communist, and it is clear that Opa hung around with that crowd quite a bit, at least up through the early 30s. He was also quite the Nature Boy, being an avid hiker and amateur naturalist and member of the German equivalent to the Sierra Club (the "Friends of the Forest"—something like that).
It seems pretty clear that, in the above photo, Opa is wearing the uniform of the Rotes Kreuz, of which my grandmother was also a member. And that kinda jibes with my dad's remembering the organization as the "Samariters." Likely, people continued to refer to the "Samariters" long after the ASB ceased actually to exist, with remnants operating loosely under that name--until 1937.
From an old German dictionary, published in 1931; "Red Cross" entry
My mother remembers Opa's love of nature. Today, she told me that, when we moved into a new house near Villa Park in 1961, Grandpa and Grandma suddenly showed up and declared that they would be living with us. My mom's eyebrows arched skyward. She huddled with my dad and counter declared, "No frickin' way." The arrangement lasted a few months.
Opa insisted on doing the landscaping for our new home, something my mom looked forward to doing herself. "I do it," he commanded. Being Nature Boy, he'd always go for long walks (at the time, we were surrounded by orange groves and stands of eucalyptus trees, and we were very near the edge of the Santa Ana Mountains). After a while, Opa started coming back from his walks with increasingly large and absurd plants and trees. At one point, he brought home an enormous walnut tree (the way mom remembers it, he dragged the thing for miles) and insisted on planting it in front of the house.
"Yes, Opa, it is wunderbar, but it will become too big and take over," my mom complained. "Don't be silly," snapped Opa. Opa pretty much did what he wanted to do. He was always that kind of guy: decisive, uncooperative, naysaying.
Sure enough, the dang thing grew to a monstrous size and destroyed the sidewalk and curb. We had to tear the thing out. When Opa discovered this, he was furious.
Opa also insisted on planting a lawn, which was great, but my parents planned to put in a sprinkler system first, and none of that had yet been worked out. "Don't be silly! You don't need dat!" barked Opa in his comically bad pidgin English. So he planted the grass. It looked great. He seemed to hug it every morning. But watering it was a drag, and so, a while later (my mom had kicked Oma and Opa out of the house by then), my dad dug it up and put in a sprinkler system. That left a slight "scar."
Opa was again furious. Heimatland!
There are many such stories. The most colorful stories, however, concern my grandmother, "Oma." That'll have to wait.
Here's yet another "mystery" photo. That's Opa on the right. At least three of the people in this photo are wearing party hats of some kind. The quarters seem unusually cramped. There's a map on the wall. What on Earth is going on here?
Another right-winger to replace Wagner?
[You may want to skip down to my info about Mr. Muldoon (pictured at left) at the end of this post. Get used to his face. Hate to be a buzz-kill, but it seems likely that this ambitious young Republican attorney will be Don Wagner's replacement on the SOCCCD board. His competition? A Beckman high school teacher who coaches water polo. Probably a great guy, but good grief!]
Yesterday, Orange Juice blog’s inveterately embattled Art Pedroza, a candidate for Santa Ana Unified School District trustee, had something useful to say about local community college board elections. (See Rancho Santiago Community College District Trustees to run unopposed in November.)
“Running for Community College Districts in Orange County,” he writes, “can cost a fortune.”
Well, maybe not a fortune, but enough to discourage many from running, since those who run without a “candidate’s statement” haven’t got a prayer, or so claims Pedroza (that seems plausible). And it's expensive to file a candidate's statement with the Registrar of Voters.
Pedroza offers this chart:
Pedroza zeroes in on the Rancho Santiago Community College District (his own area, I assume), where each of the trustees (up for reelection) is running unopposed in November.
“This isn’t,” he says, “how our system of democracy is supposed to work.”
Pedroza lays out the situation at other OC community college districts:
According to the OC Registrar of Voters (RV), “Business owner/educator" Kevin M. Muldoon and “Teacher/Aquatics Coach" Thomas "TJ" Prendergast, III, have filed. (See below for brief profiles.)
Naturally, Don Wagner is designated “not on ballot.” He expects to win his assembly race, and if the past is any indication, he will. (His area is heavily Republican. The Democrats' Melissa Fox seems to be a good candidate, but she's got a mountain to climb.)
Neither Muldoon nor Prendergast has a candidate’s statement listed, though the RV site indicates that they’ve filed those. (Muldoon: issued 7/15, filed 8/6; Prendergrast: issued: 7/30, filed 8/4).
Does this mean that the RV is late in displaying their candidate’s statements? Dunno. Probably so.
Nancy Padberg has an opponent, one JACK FROST, a “retired electronics engineer.” But no candidate’s statement appears for him, nor has the celebrated meteorological phenomenon even filed one.
Looks like Frost is toast.
Nancy must’ve put her six-and-a-half big ones down, cuz she does have a candidate’s statement:
Here’s Marcia’s pricey candidate’s statement:
Naturally, Pedroza advocates district’s changing to Area-specific elections, something I have long advocated for the SOCCCD. He also offers his solution to the candidate’s statement problem.
THE SOCCCD:
But let’s get back to the SOCCCD. It looks like the reelections of Padberg and Milchiker are secure. They have challengers, but those guys have filed no candidate’s statement. Unless they have huge piles of campaign money (very unlikely), they haven't got a chance against these incumbents.
That leaves Area 2, Don’s area. Here, there are two candidates—Muldoon and Prendergrast—who filed statements, though those statements have not yet appeared on the RV website.
I shall assume that they will eventually appear.
Looks like one of these guys will end up replacing Don.
Who are these guys?
ABOUT MULDOON AND PRENDERGAST:
• You can read an (old) ad for attorney Muldoon here. It provides a brief bio:
Raised in Orange County, Kevin earned his Bachelor’s degree from Loyola Marymount University and Juris Doctor from Chapman University School of Law. Kevin practiced law as a Deputy District Attorney in the Orange County District Attorney’s Office before starting his own firm. While waiting for his bar exam results, he worked for the White House Office of Strategic Initiatives in Washington, DC, then returned to Southern California to be sworn in as an attorney.
• The firm Muldoon started is the Westport Law Group, which specializes in bankruptcy. It offers the following bio:
Kevin M. Muldoon
Raised in Orange County, Kevin earned his Bachelor’s degree from Loyola Marymount University and Juris Doctor from Chapman University School of Law. While waiting for his bar exam results, he worked for the White House Office of Strategic Initiatives in Washington, DC, then returned to Southern California to be sworn in as an attorney. Kevin practiced law as a Deputy District Attorney in the Orange County District Attorney’s Office before starting Westport Law Group. He currently resides in Irvine and attends church in Newport Beach, where he serves as a member of the Pastoral Council.
This isn't looking good. Muldoon is bound to have connections to powerful Republicans in the county, despite his dalliance with McCain. His former boss, DA Rackauckas, is a key member of Fuentes/Schroeder's Republican Mafia (Carona, Street, et al.), for what that's worth.
So far, I don't know much about Prendergast, but it is unlikely that this school teacher is similarly connected. The only money he's likely to attract would come from our faculty union (I have no information about that). It may help that Prendergast describes himself (accurately) as an "educator."
The big question: is Muldoon simpatico with Fuentes? If so, we're probably toast. Prepare for the new Board Majority.
Muldoon's ambitious. Once on the board, he will likely follow the example of so many before him and let Tom place his slimy paw on his shoulder. Purrrrrrrrrr.
But you never know.
Yesterday, Orange Juice blog’s inveterately embattled Art Pedroza, a candidate for Santa Ana Unified School District trustee, had something useful to say about local community college board elections. (See Rancho Santiago Community College District Trustees to run unopposed in November.)
“Running for Community College Districts in Orange County,” he writes, “can cost a fortune.”
Well, maybe not a fortune, but enough to discourage many from running, since those who run without a “candidate’s statement” haven’t got a prayer, or so claims Pedroza (that seems plausible). And it's expensive to file a candidate's statement with the Registrar of Voters.
Pedroza offers this chart:
Pedroza zeroes in on the Rancho Santiago Community College District (his own area, I assume), where each of the trustees (up for reelection) is running unopposed in November.
“This isn’t,” he says, “how our system of democracy is supposed to work.”
Pedroza lays out the situation at other OC community college districts:
Jim Moreno drew an opponent in Area 1, at the Coast Community College District. Walt Howald also drew an opponent, the same District, in Area 5. ¶ Barbara Dunsheath drew an opponent over in Area 2, in the North Community College District. Jeffrey Brown did as well, in the same District, in Area 3. And Donna Miller also drew an opponent, in Area 4. ¶ In the South Community College District, two challengers filed for an open seat in Area 2. Nancy Padberg drew an opponent in Area 4, as did Marcia Milchiker in Area 5.But wait! What about Don Wagner’s area, area 2?
According to the OC Registrar of Voters (RV), “Business owner/educator" Kevin M. Muldoon and “Teacher/Aquatics Coach" Thomas "TJ" Prendergast, III, have filed. (See below for brief profiles.)
Naturally, Don Wagner is designated “not on ballot.” He expects to win his assembly race, and if the past is any indication, he will. (His area is heavily Republican. The Democrats' Melissa Fox seems to be a good candidate, but she's got a mountain to climb.)
Neither Muldoon nor Prendergast has a candidate’s statement listed, though the RV site indicates that they’ve filed those. (Muldoon: issued 7/15, filed 8/6; Prendergrast: issued: 7/30, filed 8/4).
Does this mean that the RV is late in displaying their candidate’s statements? Dunno. Probably so.
Nancy Padberg has an opponent, one JACK FROST, a “retired electronics engineer.” But no candidate’s statement appears for him, nor has the celebrated meteorological phenomenon even filed one.
Looks like Frost is toast.
Nancy must’ve put her six-and-a-half big ones down, cuz she does have a candidate’s statement:
During my service as a governing board member, I have led the district in establishing a nationwide reputation for education excellence and sound fiscal management. Our college district has paid off all debt and balanced every budget without new taxes or bonds, without laying off teachers, and while educating more students than ever.Meanwhile, Marcia Milchiker’s only opponent is “health facilities evaluator” JILL E. CASE, who has not filed a candidate’s statement either. So, like Nancy, Marcia would appear to be a shoo-in.
That legacy of success is at risk. I ask for your vote to insure that your tax dollars continue going to the classroom, not to education bureaucrats and an inflated high-level administration. As a former Masters Degree level teacher, I have first-hand experience delivering education. I have first-hand experience conservatively managing your tax dollars to deliver quality education.
Strong leadership is necessary to stop financial mismanagement and political agendas in our colleges. As the proven fiscal conservative who lives, works and has raised children in South Orange County, I will provide that leadership to:
Continue opposing tax increases
Continue cutting Bureaucracy
Continue improving Student success
Continue increasing job training certificate and transfer programs.
Nominated Trustee of the Year, I am an experienced business, education, and community leader supported by community leaders.
Vote for fiscal responsibility, and sound education policy for our district without tax increases.
Here’s Marcia’s pricey candidate’s statement:
When you elected me to the South Orange County Community College District’s Governing Board, I pledged that education was my top priority. I’ve kept my pledge.Pedroza raises another issue that concerns the SOCCCD:
I listen judiciously and work tirelessly to ensure extraordinary educational value.
Through outstanding conservative fiscal management, we are debt free and have no unfunded public employee pension liability.
Our nursing program is ranked # 1 in the nation.
We have increased our superb class offerings and programs. Our colleges have the highest transfer rates among all community colleges.
I instituted:
Paramedic Training/ Laser Technology/ Robotics National Accreditation for Nursing and Child Care Programs Cutting-edge Computer Centers/ Web-based academic planning Online instruction/ Student E-mail/ Short-term Classes Technology Centers/ Virtual Reality Job Training Business - Industry Partnerships/ Digital Labs Guaranteed Transfer to the University of California Honors Program/ Weekend College/ Distance Learning Saving our Outstanding Emeritus Institute Internet and Telephone Registration/ Library Automation
During my tenure, we funded and built two world-class libraries, two student services centers, two child development facilities, reclaimed water irrigation systems, classrooms and physical education buildings.
Please give me your vote. As always, I pledge to use my experience and perspective to keep our colleges on track.
The voting in the RSCCD elections is at-large [as it is in the SOCCCD]. This definitely discourages minority candidates. It is why a number of Latino and Asian candidates in 2008 had no chance of winning.With at-large voting, despite the division of the geographical district into specific trustee areas (e.g., Wagner’s area includes parts of Tustin and Irvine), voters can vote for all trustees, including those outside their own area (within the district’s zone). That’s why it was so difficult achieving the signatures for the Frogue recall a dozen years ago. Ten percent of all voters was just too many. (Nevertheless, we came very close.)
Naturally, Pedroza advocates district’s changing to Area-specific elections, something I have long advocated for the SOCCCD. He also offers his solution to the candidate’s statement problem.
THE SOCCCD:
But let’s get back to the SOCCCD. It looks like the reelections of Padberg and Milchiker are secure. They have challengers, but those guys have filed no candidate’s statement. Unless they have huge piles of campaign money (very unlikely), they haven't got a chance against these incumbents.
That leaves Area 2, Don’s area. Here, there are two candidates—Muldoon and Prendergrast—who filed statements, though those statements have not yet appeared on the RV website.
I shall assume that they will eventually appear.
Looks like one of these guys will end up replacing Don.
Who are these guys?
ABOUT MULDOON AND PRENDERGAST:
• Uh-oh. It appears that Muldoon was an OC Deputy DA before starting his own law firm. He’s a Republican who chaired OC's John McCain Presidential campaign (2008) and who served in the (W) Bush administration. His championing of McCain means that, at least a few years ago, he likely wasn't among the seriously right right-wingers of our county. But things change. Boy do they ever.
I do believe that he was among Don Wagner's competitors in the recent Assembly primary (Don won). He was endorsed by a "taxpayers" organization.
• At a site for Southern California water polo, I found this bio of Mr. Prendergast:
TJ [Prendergast] was born in St. Louis, MO in 1965. Played 3 years varsity at University High School in Irvine from 1980-1982. Played at Santa Ana College in 1983 and Orange Coast College in 1985. Played one year at UCSB in 1986. Coached the red-shirt/freshmen team at UCSB in 1990. Graduated with a BA in History from UCSB in 1993. Coached SIU-Carbondale club team 1994-1996. Received a teaching credential in Illinois, then acquired a Single Subject Professional Clear Credential for Social Studies in California. Taught World and US History at Rancho Buena Vista High School from 1996-2003. While there, coached Boys to 7 straight CIF appearances - 3 times to quarter finals. As well as, the Girls from 1996-1998 and 2001-2004 to 3 CIF appearances. Currently teaching and coaching the Girls team at Beckman High School. Also a certified American Red Cross First Aid and CPR instructor.
I do believe that he was among Don Wagner's competitors in the recent Assembly primary (Don won). He was endorsed by a "taxpayers" organization.
• At a site for Southern California water polo, I found this bio of Mr. Prendergast:
TJ [Prendergast] was born in St. Louis, MO in 1965. Played 3 years varsity at University High School in Irvine from 1980-1982. Played at Santa Ana College in 1983 and Orange Coast College in 1985. Played one year at UCSB in 1986. Coached the red-shirt/freshmen team at UCSB in 1990. Graduated with a BA in History from UCSB in 1993. Coached SIU-Carbondale club team 1994-1996. Received a teaching credential in Illinois, then acquired a Single Subject Professional Clear Credential for Social Studies in California. Taught World and US History at Rancho Buena Vista High School from 1996-2003. While there, coached Boys to 7 straight CIF appearances - 3 times to quarter finals. As well as, the Girls from 1996-1998 and 2001-2004 to 3 CIF appearances. Currently teaching and coaching the Girls team at Beckman High School. Also a certified American Red Cross First Aid and CPR instructor.
• You can read an (old) ad for attorney Muldoon here. It provides a brief bio:
Raised in Orange County, Kevin earned his Bachelor’s degree from Loyola Marymount University and Juris Doctor from Chapman University School of Law. Kevin practiced law as a Deputy District Attorney in the Orange County District Attorney’s Office before starting his own firm. While waiting for his bar exam results, he worked for the White House Office of Strategic Initiatives in Washington, DC, then returned to Southern California to be sworn in as an attorney.
• The firm Muldoon started is the Westport Law Group, which specializes in bankruptcy. It offers the following bio:
Kevin M. Muldoon
Raised in Orange County, Kevin earned his Bachelor’s degree from Loyola Marymount University and Juris Doctor from Chapman University School of Law. While waiting for his bar exam results, he worked for the White House Office of Strategic Initiatives in Washington, DC, then returned to Southern California to be sworn in as an attorney. Kevin practiced law as a Deputy District Attorney in the Orange County District Attorney’s Office before starting Westport Law Group. He currently resides in Irvine and attends church in Newport Beach, where he serves as a member of the Pastoral Council.
This isn't looking good. Muldoon is bound to have connections to powerful Republicans in the county, despite his dalliance with McCain. His former boss, DA Rackauckas, is a key member of Fuentes/Schroeder's Republican Mafia (Carona, Street, et al.), for what that's worth.
So far, I don't know much about Prendergast, but it is unlikely that this school teacher is similarly connected. The only money he's likely to attract would come from our faculty union (I have no information about that). It may help that Prendergast describes himself (accurately) as an "educator."
The big question: is Muldoon simpatico with Fuentes? If so, we're probably toast. Prepare for the new Board Majority.
Muldoon's ambitious. Once on the board, he will likely follow the example of so many before him and let Tom place his slimy paw on his shoulder. Purrrrrrrrrr.
But you never know.
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