New York SBDC Research Network

One of my State Data Center colleagues, Dale Miller, pointed this out to me. He thinks this is important to share, and I quite concur. Moreover, this being the graduation season, it’s timely! He has discovered that many parents are quite surprised about how much they are expected to contribute to their kids’ college costs. Dale writes, "This is referred to as their Expected Family Contribution (EFC). What typically happens is that parents bumble along (I know we did) until their child is a junior in HS and then they go through the process of applying to colleges and for financial aid at the FAFSA.gov website when WHAM >>>> - they get a reality check upside the head when it comes to how much the federal government thinks THEY can contribute toward attending school." I can imasgine there are MANY parents sitting in financial aid office with tears in their eyes over this. What can the schools or government could do to reduce this sticker shock when it comes to EFCs?

In answer to a question about websites or other resources that offer free credit score information, as opposed to just free credit reports , a colleague pointed out a Wall Street Journal article, Credit Scores: Can You Get Them Free? If you are curious about your credit scores, you may have tried one of the plethora of Web sites and services that offer some free credit information, then lure you into paying for your scores, usually as part of a credit-monitoring package. Consumers are entitled by law to a free credit report— which is simply a record of your borrowing and repayment history — but the numerical scores derived from these reports will cost you, in part because credit-reporting agencies aren't required by law to provide them for free to consumers along with the reports. Now, a handful of companies are launching services that give consumers at least a glimpse at their credit scores free of charge. The sites— Credit.com Inc., Credit Karma Inc.'s CreditKarma.com and Qu

In their third annual survey to measure and monitor consumer behaviors that have an impact on the environment, the National Geographic Society and the international polling firm GlobeScan have found that environmentally friendly behavior among consumers in 10 out of 17 countries has increased over the past year. The survey results show that environmentally friendly consumer behavior, as measured by the Greendex, has now increased from 2008 levels in all but one of the 14 countries polled in both 2008 and 2010. By environmentally friendly consumer behavior, we mean people’s transportation patterns, household energy and resource use, consumption of food and everyday consumer goods, and what consumers are doing to minimize the impact these activities have on the environment. Greendex 2010: Consumer Choice and the Environment — A Worldwide Tracking Survey is a comprehensive measure of consumer behavior in 65 areas relating to housing, transportation, food and consumer goods. Greendex 2010

For the commercial organic farmers or any one else who grows fruit, vegetables or runs a dairy: Cornell's Integrated Pest Management Program has released nine new organic production guides . The new guides provide information on how to produce certified organic apples, blueberries, grapes, lettuce, potatoes, spinach, strawberries and cole crops, including cabbage, cauliflower, broccoli and Brussels sprouts. The guides cover integrated pest management techniques, with sections on cover crops, resistant varieties, crop rotation, field selection and soil quality.

The Census Bureau is conducting a half-day workshop for data users on the 2007 Economic Census. • New users learn about the range of data about businesses available from the Census Bureau, including both the Economic Census and more frequent data sets. • Experienced users learn about new features of the data, comparability issues, and qualifications of the data. • Attendees gain skills in accessing Economic Census data in American FactFinder. • Attendees have the opportunity to tell others about their own practical applications of the data and learn what others are doing. Albany, NY Wednesday, June 23, 2010, 9:00 AM – 12:30 PM Cost: FREE Location: College of Nanoscale Science and Engineering of the University at Albany CESTM Auditorium, Building 251 257 Fuller Road Albany, NY 12203 Register HERE Directions Additional Workshops in New York State: Additional workshops are planned for New York City (June 10 and 11, 2010) and Syracuse (June 24, 2010). For details about these workshops se

WASHINGTON – With the June 1 start of another Atlantic hurricane season, the U.S. Small Business Administration and Agility Recovery Solutions are launching a new Web site to help small businesses develop an emergency preparedness plan before disaster hits, and reminding homeowners and renters to plan ahead as well. "Regardless of where you live, it’s a good idea to be ready for any kind of crisis," said SBA Administrator Karen Mills. "Every threat, from wind storms, floods, wildfires and earthquakes, to power outages and computer system failures, reminds us to be proactive when it comes to building strategies to survive a disaster and recover quickly. Recent disaster events demonstrate the need for preparedness to reduce the risk to life and property." Weather experts are predicting this year’s storm season may be the most intense since 2005, when Hurricanes Katrina, Rita and Wilma devastated the Gulf Coast states. In an effort to encourage businesses to plan ahead

Everywhere you look there are articles on how to ensure your privacy on Facebook. With new releases, the default settings change but here is a visual representation of how the default privacy settings on Facebook have evolved over the years. You can check it out here . To ensure you do not get caught up in updates to Facebook that adversely affect your privacy, have a look at this article from Electronic Frontier Foundation that explains the latest changes and what your options are. They have also created a video .