Border Town Bullies: The Bad Auto Deal and Subprime Lending Problem Among Navajo Nation Car Buyers

This article argues that due to the circumstances of Navajo Nation residents, Navajo car buyers have a greater need for cars and are therefore disproportionately harmed by unfair border town auto deals and subprime auto loans. Additionally, this article suggests several ways to address these issues while acknowledging the conundrum created if Navajo Nation residents are prevented from buying cars. Part I of this article describes the current U.S. auto sales and lending process, including the stages of car buying, credit score calculation, and how national auto sales, lending, and investment markets profit from unfair car sales and subprime lending. Part II details the geographic remoteness, unique cultural differences, and living circumstances of the Navajo Nation and the relationship between those circumstances and the desperate need for a vehicle and the resulting vulnerability many Navajo people experience. Part III uses data from the Navajo Nation Human Rights Commission8 a nd sample Navajo purchaser auto contracts to illustrate the extreme tactics Navajo Nation border town auto dealerships and subprime lending companies used to bully Navajo car buyers into bad auto deals and unsustainable subprime loans. Part IV provides solutions to alleviate and eliminate bad auto deals and subprime loans for Navajo car buyers

The Landscape of Community Philanthropy: Navigating Relationships between local United Ways and Community Foundations

Community philanthropic organizations, those organizations like United Ways and community foundations, have traditionally played important roles by raising and distribute resources within a specific geographic place, increasingly play important roles in planning for and funding local public service delivery. Over the last two decades, the field of community philanthropy has experienced many shifts. Changing donor expectations, increased competition from other nonprofits and commercial funds, economic restructuring and demographic shifts have all pushed local United Ways and community foundations to rethink their roles and their business models. These changes also affect relationships between organizations. This report summarizes the roles that United Ways and community foundations play in their local communities, their perceptions of the changes going on in the world around them and their perceptions of their relationships with each other

The Landscape of Community Philanthropy

Community philanthropic organizations, those organizations like United Ways and community foundations, have traditionally played important roles by raising and distribute resources within a specific geographic place, increasingly play important roles in planning for and funding local public service delivery. Over the last two decades, the field of community philanthropy has experienced many shifts. Changing donor expectations, increased competition from other nonprofits and commercial funds, economic restructuring and demographic shifts have all pushed local United Ways and community foundations to rethink their roles and their business models. These changes also affect relationships between organizations. This report summarizes the roles that United Ways and community foundations play in their local communities, their perceptions of the changes going on in the world around them and their perceptions of their relationships with each other

Providing baseline data for conservation–Heart rate monitoring in captive scimitar-horned oryx

Heart rate biologging has been successfully used to study wildlife responses to natural and human-caused stressors (e.g., hunting, landscape of fear). Although rarely deployed to inform conservation, heart rate biologging may be particularly valuable for assessing success in wildlife reintroductions. We conducted a case study for testing and validating the use of subcutaneous heart rate monitors in eight captive scimitar-horned oryx (Oryx dammah), a once-extinct species that is currently being restored to the wild. We evaluated biologger safety and accuracy while collecting long-term baseline data and assessing factors explaining variation in heart rate. None of the biologgers were rejected after implantation, with successful data capture for 16–21 months. Heart rate detection accuracy was high (83%–99%) for six of the individuals with left lateral placement of the biologgers. We excluded data from two individuals with a right lateral placement because accuracies were below 60%. Average heart rate for the six scimitar-horned oryx was 60.3 ± 12.7 bpm, and varied by about 12 bpm between individuals, with a minimum of 31 bpm and a maximum of 188 bpm across individuals. Scimitar-horned oryx displayed distinct circadian rhythms in heart rate and activity. Heart rate and activity were low early in the morning and peaked near dusk. Circadian rhythm in heart rate and activity were relatively unchanged across season, but hourly averages for heart rate and activity were higher in spring and summer, respectively. Variation in hourly heart rate averages was best explained by a combination of activity, hour, astronomical season, ambient temperature, and an interaction term for hour and season. Increases in activity appeared to result in the largest changes in heart rate. We concluded that biologgers are safe and accurate and can be deployed in free-ranging and reintroduced scimitar-horned oryx. In addition to current monitoring practices of reintroduced scimitar-horned oryx, the resulting biologging data could significantly aid in 1) evaluating care and management action prior to release, 2) characterizing different animal personalities and how these might affect reintroduction outcomes for individual animals, and 3) identifying stressors after release to determine their timing, duration, and impact on released animals. Heart rate monitoring in released scimitar-horned oryx may also aid in advancing our knowledge about how desert ungulates adapt to extreme environmental variation in their habitats (e.g., heat, drought)

CCBC Choices 2012

CCBC CHOICES is an annual list of recommended books for children and young adults selected by the librarians at the Cooperative Children's Book Center, a library of the School of Education at the University of Wisconsin-Madison. CCBC CHOICES 2012 recommends 246 titles for children and young adults published in 2011. It includes a commentary on the 2010 publishing year, including statistics on the number of books by and about people of color published for children and teens

Building & Maintaining Cooperative Relationships Between Community Foundations and United Way

This project explores how relationships are formed and maintained by local philanthropic leaders. Our research team at the Lilly Family School of Philanthropy and the John Glenn College of Public Affairs at The Ohio State University has conducted studies of local partnerships between United Way and community foundations in 8 communities. This report represents the findings in these collaborative partnerships.Charles Stewart Mott Foundatio

CCBC Choices: 1995

CCBC CHOICES is an annual list of recommended books for children and young adults selected by the librarians at the Cooperative Children’s Book Center, a library of the School of Education at the University of Wisconsin-Madison. CCBC CHOICES 1995 recommends 197 titles for children and young adults published in 1995. It includes a commentary on the 1995 publishing year, including statistics on the number of books by and about people of color published for children and teens

CCBC Choices: 2001

CCBC CHOICES is an annual list of recommended books for children and young adults selected by the librarians at the Cooperative Children’s Book Center, a library of the School of Education at the University of Wisconsin-Madison. CCBC CHOICES 2001 recommends 228 titles for children and young adults published in 2000. It includes a commentary on the 2000 publishing year, including statistics on the number of books by and about people of color published for children and teens

CCBC Choices 2011

Carling Febry contributed to this publication.CCBC CHOICES is an annual list of recommended books for children and young adults selected by the librarians at the Cooperative Children's Book Center, a library of the School of Education at the University of Wisconsin-Madison. CCBC CHOICES 2011 recommends 240 titles for children and young adults published in 2010. It includes a commentary on the 2010 publishing year, including statistics on the number of books by and about people of color published for children and teens

CCBC Choices: 1995

CCBC CHOICES is an annual list of recommended books for children and young adults selected by the librarians at the Cooperative Children’s Book Center, a library of the School of Education at the University of Wisconsin-Madison. CCBC CHOICES 1995 recommends 197 titles for children and young adults published in 1995. It includes a commentary on the 1995 publishing year, including statistics on the number of books by and about people of color published for children and teens