For a small number of Notre Dame students, taking classes at Saint Mary’s is a normal part of their daily schedule. Junior John Brahier, who is majoring in mathematics at Notre Dame and pursuing a secondary education minor at Saint Mary’s, said he has taken several required courses for his minor at Saint Mary’s. “I’ve taken a number of classes at SMC, all part of my secondary education major,” Brahier said. “SMC has the education program I was looking for, so when I graduate, the plan is that I’ll have both the secondary education minor and a license to teach.” Junior Madeline Swan, who is a math and sociology double major, also has a secondary education minor at Saint Mary’s. Swan said the small class sizes, good learning environments, and caring professors are instrumental to her success at Saint Mary’s. Her experience at Saint Mary’s has helped her move past common prejudices held between female students at Notre Dame and Saint Mary’s, Swan said. “The professors have been awesome and I have met some truly great classmates,” Swan said. “Also, this has helped me break down stereotype barriers for me that are typically present between SMC and ND girls.” Brahier said it was initially difficult to be the only male in many of his Saint Mary’s courses, but the transition has gotten easier with time. “It was a big difference for me at first because I came from an all-guys high school, so to go to classes of almost all girls was a pretty big change,” he said. “Obviously there was a bit of an adjustment period at first, but it’s not really a big deal in the long-run.” Brahier said his decision to enroll at Saint Mary’s was due to Notre Dame not offering the education training he wanted. “My plan after graduation is to teach math in a high school, but Notre Dame doesn’t have an Education Department that directly prepares students to be teachers and helps with the licensing process,” he said. Brahier said taking courses through the education department at Saint Mary’s has been a positive experience and his professors take an interest in student success. “The Education Department at SMC has sponsored some really cool events related to social justice in education and is a big proponent of service-learning,” Brahier said. “By and large, the faculty I’ve worked with at SMC have been great – they seem to really care about each student and want us to do our best. In general, I think that’s definitely true at Notre Dame as well.” Notre Dame students enrolled in Saint Mary’s classes are assigned a Saint Mary’s advisor in addition to their advisor at Notre Dame, Brahier said. His Saint Mary’s helps him choose his courses and build his schedule, he said. Brahier said he works with his two advisors separately. “If I have a question about education classes, I have to go to the SMC advisor,” he said. “For math or theology, I go to my advisor from each of those departments at ND.” He said his courses at Saint Mary’s are determined by his major requirements, so he meets with his Saint Mary’s advisor regularly and registers for courses in person. “Registration for my classes at SMC is relatively straightforward because I have a pretty set list of classes that I have to take, so basically I just meet with my advisor over there on a regular basis to make sure I stay on track from semester to semester,” Brahier said. “I don’t do any online registration for those classes – instead, it’s all through contact with my advisor.” Swan said she feels fortunate to have the opportunity to study at both institutions. “I’ve discovered how lucky I am to get the change to participate in such a great education program as an ND student as well as collaborate and learn from some great Saint Mary’s students,” she said. Brahier said the combination of classes from Notre Dame and Saint Mary’s has also been rewarding for him. “Both schools definitely are focused on their identities as Catholic schools, and both schools have a sense of purpose and mission,” he said. “My favorite part of the secondary education minor at SMC has been getting to work with the faculty that is so passionate about preparing us to be great teachers. Their staff is dedicated and wants us to do our best, and studying in that incredibly positive atmosphere has been very rewarding.”
The auto loan industry is massive and chances are that if you are a financial institution, you are also in the auto loan lending game. For the first time in first-quarter history, open auto loans have surged past $1 trillion per market research firm, Experian Automotive. Due to their findings, they have advised lenders to “keep a close eye on delinquency trends to ensure the market remains healthy.” Should consumers keep making timely monthly payments, the market has a greater chance of maintaining affordable financing options. While auto loans can offer profitability for a financial institution, there are also some downfalls and risk when it comes to the lending industry. In recent years, the auto-loan industry has seen a rise in delinquencies. And, of course, this is never a good thing for financial institutions.When borrowers can’t afford to or don’t make their auto loan payments on time, it can take a toll on a lender’s bottom line. According to the Q4 2016 Industry Insights Report by TransUnion, the auto delinquency rate reached 1.44% to close 2016, a 13.4% increase from 1.27% in Q4 2015. Auto delinquency is at its highest level since the Q4 2009 reading of 1.59%. But, these trends are not limited to the auto industry; delinquencies are on the uptick when it comes to credit cards as well. So, what does this mean for financial institutions? It means that no matter how diligent or conservative your lending practices may be, it is inevitable that some borrowers will default on their loans. continue reading » 7SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr
Cheptegei dethrones Kamworor, celebratesA partnership between Cheptegei and Kiplimo ensured Uganda claimed tamaiden victory in the men’s world cross-country championships in style Saturday, while Kenyan track star Hellen Obiri took the women’s title.Cheptegei clocked 31min 40sec around the 10.2km-long course in the Danish city of Aarhus, he and Kiplimo pushing Kenya’s double defending champion Geoffrey Kamworor into third (31:55).“It is an awesome feeling winning here today. Since I missed it last time in 2017 I now reached my mission to return with the gold medal,” Cheptegei said.“It means a lot to me to be the first ever Ugandan to win this title. The course was very hard and difficult but I had a very strong preparation at home in Kampala where the terrain is very similar.”It was a 1-2 finish for Uganda, with Cheptegei edging former world junior champion KiplimoThe women’s race, over the same distance on the muddy course, was led almost from start to finish by Obiri, 2017 world champion over 5000m, a distance in which she also won Olympic gold in Rio in 2016.The 29-year-old Kenyan clocked 36:14, just two seconds ahead of Dera Dida, with another Ethiopian, Letensebet Gidey, in third a further 8sec adrift.Share on: WhatsApp .Cheptegei with his gold medal in Denmark MEDALS Joshua CHEPTEGEI – GOLD Jacob KIPLIMO – SILVER Oscar CHELIMO – U-20 BRONZE U-20 Men team – SILVER Senior Women Team – BRONZE Senior men team – GOLDRESULT: Senior Men race 10km Joshua CHEPTEGEI 31:40 Prize $30000 Jacob KIPLIMO 31:44 $15,000 Geoffrey KAMWOROR 31:55 $10,000 Thomas Ayeko 32:25 Joel Ayeko 32:32 Albert CHEMUTAI 32:46 Maxwell ROTICH 33:28 Uganda win team GOLD $20,000RESULT: Senior Women race 10km Hellen OBIRI 36:14 $30000 Dera DIDA 36:16 $15,000 Letesenbet GIDEY 36:24 $10,000 Rachael CHEBET 36:47 $7000 Peruth CHEMUTAI 36:49 $5000 Uganda win team bronze $12,000RESULT: Under 20 Men race 8km Milkesa MENGESHA 23:52 Tadese WORKU 23:54 Oscar CHELIMO 23:55 Leonard Kipkemoi BETT 24:02RESULT: Under 20 Women race 6km Alemitu TARIKU 20:50 Tsigie GEBRESELAMA 20:50 Beatrice CHEBET 20:51 Sarah CHELANGAT 20:51Aarhus, Denmark | THE INDEPENDENT | Joshua Cheptegei and Jacob Kiplimo destroyed the field Saturday for a 1-2 finish in the blue ribbon event of the IAAF World Cross Country Championships – the men’s senior race.It is the first ever gold for Uganda in both the senior men’s individual event, and the team event. The last time a nation other than Kenya or Ethiopia won the men’s team title at the world cross country was back in 1980.Earlier, Oscar Chelimo had won bronze in the junior men’s event, leading his team to silver, while the senior women had also won team bronze.Cheptegei has a lot to celebrate this time as two years ago in front of his fans in Kampala, he set a blistering opening pace and looked all set to wrap up the 2017 title with two kilometers to go, when his legs gave way. He walked home in 30th position.