ProShares High Yield – Interest Rate Hedged, HYHG, Overview, ProShares ETFs, us high yield bond fund.#Us #high #yield #bond #fund


Us high yield bond fund High Yield Interest Rate Hedged

  • Provides the return potential of a diversified portfolio of high-yield corporate bonds
  • Targets zero interest rate risk by including a built-in hedge against rising rates that uses short positions in U.S. Treasury futures
  • Offers even less interest rate sensitivity than short-term bonds by targeting a duration of zero

Fund Snapshot

Fund Characteristics as of 7/31/17 **

** The cost of the interest rate hedge (using Treasury futures) is reflected in the NAV, not in the yields. Net effective duration is as of the first business day following the as of date noted.

Price Information as of 9/6/17 **

** The cost of the interest rate hedge (using Treasury futures) is reflected in the NAV, not in the yields.

The performance quoted represents past performance and does not guarantee future results. Investment return and principal value of an investment will fluctuate so that an investor’s shares, when sold or redeemed, may be worth more or less than the original cost. Shares are bought and sold at market price (not NAV) and are not individually redeemed from the fund. Market price returns are based upon the midpoint of the bid/ask spread at 4:00 p.m. ET (when NAV is normally determined for most funds) and do not represent the returns you would receive if you traded shares at other times. Brokerage commissions will reduce returns. Current performance may be lower or higher than the performance quoted. For standardized returns and performance data current to the most recent month end, see Performance.

There is no guarantee any ProShares ETF will achieve its investment objective.

Shares of any ETF are generally bought and sold at market price (not NAV) and are not individually redeemed from the fund. Brokerage commissions will reduce returns.

Investing involves risk, including the possible loss of principal. This ProShares ETF is diversified and entails certain risks, including risks associated with the use of derivatives (swap agreements, futures contracts and similar instruments), imperfect benchmark correlation, leverage and market price variance, all of which can increase volatility and decrease performance. Please see summary and full prospectuses for a more complete description of risks.

HYHG seeks to hedge high yield bonds against the potential negative impact of rising Treasury interest rates by taking short positions in U.S. Treasury futures. The short positions are not intended to mitigate credit risk or other factors influencing the price of the bonds, which may have a greater impact than rising or falling interest rates. No hedge is perfect, and there is no guarantee the short positions will completely eliminate interest rate risk. Investors may be better off in a long-only high yield investment when interest rates fall than investing in HYHG, where hedging may limit potential gains or increase losses. Performance could be particularly poor during risk-averse, flight-to-quality environments when high yield bonds commonly decline in value. HYHG may be more volatile than long-only high yield bond investments. HYHG may contain a significant allocation to callable high yield bonds, which are subject to prepayment and other risks that could result in losses for the fund. There is no guarantee the fund will have positive returns.

Bonds will decrease in value as interest rates rise.

High yield bonds may involve greater levels of credit, liquidity and valuation risk than for higher-rated instruments. High yield bonds may involve greater levels of credit, liquidity and valuation risk than higher-rated instruments. High yield bonds are more volatile than investment grade securities, and they involve a greater risks of loss (including loss of principal) from missed payments, defaults or downgrades because of their speculative nature.

Short positions in a security lose value as that security’s price increases.

The fund concentrates its investments in certain sectors. Narrowly focused investments typically exhibit higher volatility.

“CITI” is a trademark and service mark of Citigroup Inc. or its affiliates, is used and registered throughout the world, and has been licensed for use by ProShares. ProShares ETFs based on the “Citi High Yield (Treasury Rate-Hedged) Index” are not sponsored, endorsed, sold, or promoted by Citigroup Index LLC (“Citi Index”) or its affiliates (collectively, “Citigroup”), and they make no representation regarding the advisability of investing in ProShares ETFs. CITI INDEX MAKES NO EXPRESS OR IMPLIED WARRANTIES OF ANY KIND, INCLUDING, BUT NOT LIMITED TO, ANY WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OR USE. In no event shall Citigroup be liable for any direct, indirect, special or consequential damages in connection with any use of the “Citi High Yield (Treasury Rate-Hedged) Index.”

Carefully consider the investment objectives, risks, charges and expenses of ProShares before investing. This and other information can be found in their summary and full prospectuses. Read them carefully before investing.

ProShares are distributed by SEI Investments Distribution Co., which is not affiliated with the funds’ advisor or sponsor.

Putting Insurance Contest Package Details #hole #in #one #insurance,hole #in #one,insurance,us,u.s.,hole #in #one #contest,prize,prizes,contest,contests,putting,putting #contest,putting #insurance,million #dollar #shootout #contest,million #dollar #shootout,golf,million #dollar #golf,closest #to #the #pin,longest #drive,straightest #drive,longest #putt,golf #signs,tee #signs,fairway #signs,sponsorship #signs


The size of the golf ball: 1.68 inches. The size of the hole: 4.25 inches. The distance between you and up to $25,000: only 40 feet! Nothing is more exciting than a putting contest at the end of an outing. That is why 40 and 50 foot putting contests covered by US Hole In One rank as some of the most popular events run at golf tournaments and outings . Raffle off the putt or run an action-packed qualifying event; either way, you are sure to inject some excitement into your next golf extravaganza.

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Using the price quote you received from US Hole In One, complete the blank application you received with your coverage estimate, or download a blank application below. Submit the application for processing.

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Let the Fun Begin:

On the day of your event, place the signage out on the putting green. If a golfer successfully sinks the putt, notify us, and we will promptly award the appropriate prize to the winner.

Penn State hazing case: Excruciatingly difficult for Piazzas to hear details in court, attorney says – ABC News #penn #state, #fraternity, #death, #pledge, #timothy #piazza, #beta #theta #pi, #joseph #ems, #us #news, #national #news, #local #news




Yahoo!-ABC News Network | 2017 ABC News Internet Ventures. All rights reserved.

Penn State hazing case: ‘Excruciatingly difficult’ for victim’s family to hear details in court

WATCH Ex-Penn State frat member’s texts revealed in court

It is “excruciatingly difficult” for the family of Penn State pledge Timothy Piazza, who died after a fall at a fraternity house earlier this year, to sit in court, listening to the alleged details of fraternity members’ actions after their son was hurt, said the Piazza family attorney.

“In Jim Piazza’s words, ‘There wasn’t a moment today that I couldn’t stop thinking about my son Tim,'” Tom Kline, attorney for the Piazza family, told ABC News on Monday. “It is excruciatingly difficult for the Piazzas to sit and listen to the callous and reckless misconduct of individuals who cost them their son and cost their son his life.

But they are determined steadfastly and resolutely to go through with this process so that justice is done.”

Piazza, a 19-year-old sophomore and pledge at Beta Theta Pi, died on Feb. 4 after he fell down the stairs during a night of drinking for a pledge ceremony at the house on the night of Feb. 2. In text messages, fraternity members refer to the pledge ceremony drinking as an “obstacle course.” Fraternity members did not call 911 until the morning of Feb. 3, about 12 hours after Piazza’s fall, according to a report on the grand jury’s investigation. Piazza’s death “was the direct result of traumatic brain injuries,” according to the forensic pathologist.

Tim Piazza, a 19-year-old Penn State sophomore and pledge at Beta Theta Pi, died on Feb. 4, 2017 after he fell down the stairs during a pledge ceremony at the house on the night of Feb. 2.

Prosecutors claim the former fraternity brothers at Beta Theta Pi waited to get Piazza help in an attempt to cover up their drinking and “coordinate a story.”

Eighteen Penn State students are facing charges: eight for involuntary manslaughter, aggravated assault, reckless endangerment, and hazing, among other charges; four for reckless endangerment and hazing, among other charges; and six for evidence tampering. The Beta Theta Pi fraternity — which has since been barred from Penn State — is facing charges including involuntary manslaughter and hazing. No defendants have entered pleas at this time.

At a preliminary hearing, which began in June and continued Monday and today, prosecutors revealed texts and internet searches allegedly sent and made by some at the fraternity house. After the hearing, a judge will decide if there is enough evidence to go to trial.

One brother allegedly texted his girlfriend “drink hazing can send me to jail,” and “I don’t want to go to jail for this.”

“I think we are f—–,” the ex-fraternity brother allegedly said.

Beta Theta Pi fraternity house at Penn State.

Someone allegedly texted, “When they see the video footage of the obstacle course we will be done.”

One then-fraternity member allegedly asked, “What times did they take tape of?” and another member replied, “Nah, they took tapes from 7 to 9:30am.”

“F— yes,” the first fraternity brother responded. “We should be good,” the second fraternity brother said.

After Piazza’s injury, one of the fraternity members allegedly texted another, “Make sure the pledges clean the basement and get rid of any evidence of alcohol.”

Another text said, “Make sure the pledges keep quiet about last night and this situation.”

Prosecutors also said one of the young men did an internet search for: “How would 9 drinks in an hour affect a 200 pound guy.”

Frank Fina, an attorney for the former fraternity president, on Monday questioned a detective who said it is unclear how much alcohol Piazza had during the “obstacle course” hazing ritual as opposed to the separate party in the basement.

Fina asked if it’s fair to say the pledges could have left at any time, and the detective said yes.

Fina asked the detective if anyone physically threatened any pledges to drink, or if anyone threatened to harm pledges, and the detective said not that he was aware of.

Kline, however, told ABC News, “The concept that this was quote ‘voluntary drinking’ conjures up a social event where people all gather together and have a cup of wine — this was forced alcohol poisoning.”

“This was an individual among other individuals who were told you cannot get into this organization unless you do certain things, and here’s what you must do,” Kline said. “So there is under the law of Pennsylvania, as in most states, a forcible compulsion. A forcible act against another human being.”

Fina also said in court Monday that two Penn State-hired “social checkers,” provided by private security company St. Moritz Security for the Infrafraternity Council, attended the fraternity party that night. Prosecutors have suggested that fraternity members somewhat cleaned up before the social checkers’ arrival. The detective testified there was no evidence showing that anything was cleaned up, citing alcohol boxes in the lobby when the security guards walked in.

Old Main on the Penn State main campus in State College, Pa. Oct. 28, 2015.

The detective said the social checkers went to the party nine minutes before Piazza’s fall, and were inside the house for two to three minutes. The detective said it’s probable that Piazza and the social checkers were in the basement at the same time, when Piazza was visibly very drunk. Video reportedly shows the social checkers leaving the party shortly before the fall.

The detective on the stand admitted that the social checkers were not interviewed and the detective said he does not know if the social checkers filed any complaint. St. Moritz Security declined to comment.

Rocco Cipparone, an attorney for one of the former fraternity members charged, told ABC News Monday that the security guards are trained and “know what they are looking for. And if they don’t see a problem,” a college student, like his client, should not be expected to see a problem.

“It’s a horrible tragedy. My client’s empathies go out to the Piazza family, so do mine. But it was not a crime, at least as to” his client, Cipparone said. “These are young men. probably none of them had the intention, of course, to harm Timothy Piazza, and they’re trying to figure it out. Hindsight is 20/20. We’re looking at a video with the hindsight of knowing, sadly, Mr. Piazza died. But the defendants were not knowing that when they’re observing the situation. These are normal 19, 20, 21-year-old guys who are just experiencing something live — not in the hindsight we are looking at it in this courtroom.”

Ted Simon, an attorney for another former fraternity member charged, on Monday called Piazza’s death an “awful, awful tragedy,” adding, “but not every tragedy. should result in a criminal prosecution.”

Simon said, with his client, “the charges are really unfounded, unwarranted and unjustified. I fully expect in the end that will be clearly demonstrated.”

But Kline said, “There are individuals who actually plotted this alcohol poisoning. There are individuals who failed to assist Tim Piazza, there are people who looked the other way and there are people that covered it up. While there is crossover among some of them who planned, executed, and covered up the events that led to Tim Piazza’s death – each and every one of them individually bears some responsibility.”

Tim Piazza, a 19-year-old Penn State sophomore and pledge at Beta Theta Pi, died on Feb. 4, 2017 after he fell down the stairs during a pledge ceremony at the house on the night of Feb. 2.

Penn State has announced proposals for new safety reforms, including: having university staff members monitor social events; the university taking control of the fraternity and sorority misconduct and adjudication process; and permanent revocation of university recognition for any chapter involved in “hazing that involves alcohol, physical abuse, or any behavior that puts a student’s mental or physical health at risk.”

Penn State President Eric Barron said, “There are other measures being discussed and will be instituted over time — all with a focus on prevention, monitoring and enforcement. These measures augment a series of actions taken earlier this year, which are being made permanent.”

Barron added, “I am resolved to turn the pain and anguish radiating through our entire community into decisive action and reform, concentrating on the safety and well-being of students at Penn State.”

Penn State’s Interfraternity Council said, “We agree that added social restrictions, education, transparency and professional staff support are critical. We have tried to remain committed to being an active part of the solution within our community. We stand firm on our belief that when students are involved in collaborating with the university in monitoring and accountability, a greater impact is made. For that reason, we will continue to push for a partnership between student leaders and the university.”

Now, How Do Asian Brides Mail Order in US Live? #dating #after #divorce

#asian brides


Now, How Do Asian Brides Mail Order in US Live?

There are thousands of Asian brides mail order online who come to America by getting married with American men. When we mentioned about American men, we meant all men who are American citizens. Some of them are Vietnamese, Chinese, Thailand, Filipinos, Korean, Japanese, Indian Americans and others who have lived in USA and who are US citizens.

These men come back to their original countries to get married with girls and bring them back here to live. For example, Vietnamese single men come back to Saigon to get married with beautiful girls there. After married, he sponsored her to the United States to live. We called the girl as an Asian mail order bride. She is a bride of an American citizen.

Asian brides online are included other races such as Indian, Japanese, Philippines, Korean, Thailand, Vietnamese. However, the most Asian mail order brides who come to America are Filipinas, Thailand, and Vietnamese. Every year, there are thousands of these Asian brides come to USA to live with their husbands. How do these brides get connected with men? You can figure it out. Some of them are introduced by their friends, relatives. And the rest of them are introduced by online Asian brides mail order services. You may be familiar with Asian dating service, then you know for sure the mail order bride services. They are almost the same thing. There is not much difference between the two services, just a little.

Asian brides online mail order services are to help men with women online to meet with each other. Asian dating service provides the means for single men to meet women and vice versa. So, both services are almost the same. The only difference from Asian bride service is that some of the women are registered by the webmasters because they do not know English at all, or they just know a little of English. So, the website owner registered for them. Some Asian mail order bride services have the translation service to help to translate letters from American men who write for these brides. So, mail order bride services are like that. Asian dating services are different in which all members must register their personals ads by themselves.

In USA, there are thousands of Asian brides online to search for and to get married. They are easy. You can see many couples from an older man with a young girl. They are nice couples. They love each other. So, they come together and got married and live happily. In Bangkok, you can see many American men to come here to marry these girls. They just want a better life in USA so they are willing to get married with older men. In Saigon or Manila, the same thing applies for these brides. They want to live in the United States to have a good future, not only for themselves but for their children. Anyway, Asian free brides are honest and faithful to the love and the marriage that are given by their men. They are ready to meet you online.

How do Asian mail order brides adapt to American lifestyle?

Chinese bride and husband in China

First of all, they go to the English as a Second Language (ESL) school to study English for a few months. At this time, they get the driving learner s permit to learn how to drive a car. After about 6 months to 1 year, they find a job and work full time or part time. Some of them decide to go back to school to study for a Bachelor degree (BS) and some just go to work because they have responsibilities to help their parents and siblings back home.

They can accept any work that they can make money, such as cleaning, laundry, cashier, and so on. The salary for these low-paying jobs is about $10 per hour. It is different from each state. That means, they can earn about $80 per day if they work 8 hours a day. So, the total income is about $1,500 to $2,000 a month when they work 8 hours a day, 5 days a week. They can help their husband for the home expenses and help their parents and siblings back home.

Asian bride in California

That s how all Asian brides do when they first come to the US. Anyway, most of Asian people work hard and save money well so they can adapt to the US lifestyle at ease.

Related articles:

How much does car insurance cost in your state? #personal #finance, #personal #finance, #us #economy, #economy, #business #news


Where will you pay the most in car insurance?

Nick M. Do | iStock | Getty Images

Insurance companies take a lot into account when they decide how much to charge you for car insurance.

But no matter how great your driving record, expect to pay a lot more in Michigan.

Drivers there pay 136 percent – more than double – the national average, according to data from North Carolina drivers get the best deal, paying 41 percent less than the national average.

“Michigan is the only state where car insurance includes unlimited lifetime personal injury protection, so that’s a major reason why car insurance is so expensive in Michigan,” said Laura Adams,’s senior analyst. “Michigan (also) has an unusually high number of uninsured drivers, which drives up rates for people who do have car insurance.”

In Detroit, as many as half of all car owners don’t have insurance, which is one reason drivers who do buy coverage in Wayne County pay 45 percent more than the statewide average.

Michigan auto insurance most expensive in US

North Carolina’s average rates are lowest in part due to strict state regulations and a high-risk pool that serves as an insurer of last resort, according to Adams.

OJ Simpson murder, money trial #us: #news, #us: #news, #crime, #law, #celebrities, #business #news


20 years later, winning OJ civil suit was never a pot of gold

O.J. Simpson murder money Wednesday, 11 Jun 2014 | 11:52 AM ET

On the morning of June 12, 1994, O.J. Simpson was worth an estimated $11 million.

Within hours, he would stop earning and start spending.

Simpson was arrested in the killings of his ex-wife, Nicole Brown Simpson, and Ron Goldman, a waiter from the restaurant where she dined shortly before her death. Simpson, a popular ex-athlete and actor, was acquitted in a criminal trial.

The Goldman and Brown families then sued him in civil court, and that jury unanimously found Simpson liable for the murders. He was ordered to pay a total of $33.5 million, made up of $8.5 million in compensatory damages to the Goldmans and $25 million in punitive damages to be split between the Goldmans and Nicole’s children.

“The dollar amount meant nothing to us,” Kim Goldman told CNBC. “We were just thrilled that 12 people unanimously determined that he was the killer of Ron and Nicole. The rest was just paper.”

Still, the Goldmans pursued Simpson’s assets. “The only punishment that could be meted out was financial,” said Daniel Petrocelli, who represented the family in the civil trial. But did Simpson have any money left? “He claimed to be broke.”

Kim Goldman discusses her hunt for O.J. Simpson s assets Wednesday, 11 Jun 2014 | 9:00 AM ET

Kim Goldman soon learned that winning the multimillion-dollar award was one thing, collecting it was another. “People assume that when we were awarded our civil judgment, that with that judgment we were handed a pot of gold, and that’s just the furthest thing from the truth,” she said.

Simpson’s attorneys argued during the damages phase of the civil trial that he was approximately $850,000 in debt. Attorneys for the victims’ families argued the ex-athlete had already made about $2.8 million since his acquittal selling rights to a book, video, autographs and other memorabilia. Petrocelli believed Simpson could earn even more in the years to come, “given that he is probably the most famous man ever found to have killed two people in this way.”

Under California law, someone who loses in a civil trial but wants to hold off paying a judgment during appeal needs to post a bond worth 150 percent of the judgment. “[Simpson] said he didn’t have it, he didn’t put up the bond,” Petrocelli said. So the Goldmans immediately sought whatever assets they could find. Among them was O.J. Simpson’s Heisman Trophy, which sold at auction for $500,000. “Most of that money went to pay some expenses for the case,” Petrocelli said. “By the way, the lawyers for the victims’ families did not get paid for this case.”

Petrocelli and the Goldmans believe Simpson continued to make money “underground,” selling autographs and memorabilia for cash. They could not, by law, touch his $25,000 a month pension from the NFL, and his home on Rockingham was of little value because so many loans had been taken out against it to pay legal fees.

Kim Goldman believed there was money somewhere. “The killer worked really hard to hide all of his assets, and so we were always coming up against some kind of a wall,” she said. Her family’s share of the award, with interest, is now close to $40 million. “We’ve collected less than one percent of that.”

Daniel Petrocelli on where OJ s money went Wednesday, 11 Jun 2014 | 9:00 AM ET

Most of that came when the Goldmans discovered in 2006 that O.J. Simpson had received a sizeable advance for a book called, “If I Did It.” At first, they tried to have the book quashed, but when the rights to it were to be auctioned off in bankruptcy court, Kim Goldman said they purchased those rights to avoid Simpson somehow secretly profiting. She said the court ordered her family to publish the book.

“People were very angry at us for publishing that book, because they didn’t understand how we ended up with it,” she said. As for criticism that her family is “in it for the money,” she paused before replying. “I understand from a logical point of view that people think that all my dad and I are out to do is to capitalize on Ron’s murder. However, we followed the law. The criminal system failed us, so we went after him civilly. it’s punishment, it’s retribution, it’s what our system afforded to our family.”

Petrocelli agrees. “The Goldmans want to obtain Simpson’s assets because they don’t want him to live a good life. He killed their son. He murdered their son.”

The family finds some consolation in knowing that Simpson is now serving time in prison for robbery and kidnapping in a Las Vegas hotel room in 2007. O.J. Simpson said he went to that room to reclaim stolen belongings. However, the belongings he hoped to retrieve, including the suit he wore when he was found not guilty, are exactly the type of assets that could have been sold, with proceeds going toward his judgment.

Kim Goldman believes it was Simpson’s own efforts to hide assets that ultimately led to his incarceration. “Irony is amazing,” she said.

Read More CNBC 25: Then and now

As for O.J. Simpson’s current net worth, his lawyer, Patricia Palm, told CNBC she did not know how much money he has. When asked if he is able to pay her, she would not comment, citing attorney-client privilege. Simpson’s home in Florida went into foreclosure, though he is still presumably getting his NFL pension.

He could be paroled in three years, and it’s possible Simpson would try again to make a living. “We’ll be there waiting and watching,” said Kim Goldman. “I’m not letting up. If I did, then I’m telling him it’s okay for what he did.”

—By CNBC’s Jane Wells

Top Ranked Film Universities in United States, top film schools in the us.#Top #film #schools #in #the #us


Top Ranked Film Universities in United States

Find information about top-ranked film schools in the United States that offer programs for students who are interested in directing, producing or writing movies. See what’s available at four of these high-profile schools, and get a sneak peak at some other universities around the country that offer programs in film studies or film production.

School Overview

Film studies or filmmaking programs often include concentrations in cinematography, postproduction editing, sound design or screenwriting. The following three schools include one public and two private universities with undergraduate or graduate programs that can lead to a Bachelor of Fine Arts or a Master of Fine Arts in one of several specialized areas. Unique to Florida State University and New York University are the number of Student Academy Awards winners or nominees.

1. Florida State University in Tallahassee, FL

Florida State University (FSU) is a public research university that ranked tied for 43rd among U.S. News World Report‘s Top Public Schools list in 2015. FSU’s College of Motion Picture Arts offers a number of degrees or programs in film. Undergraduates can earn a Bachelor of Fine Arts (BFA) in Production, a BFA in Animation and Digital Arts or a minor in film studies. Graduate degrees include a Master of Fine Arts (MFA) in Production and an MFA in Writing.

2. New York University in New York, NY

In 2015, the Princeton Review included New York University in its list of Best Northeastern Colleges. Located in Greenwich Village, once home to some of the nation’s most well-known artists, this private university includes the Tisch School of the Arts and the Maurice Kanbar Institute of Film and Television. Students can earn a BFA in Film and Television, an MFA in Filmmaking or dual Master of Business Administration/Master of Fine Arts (MBA/MFA) in Producing. Additionally, Kanbar Institute offers a Bachelor of Arts in Cinema Studies.

Mature Dating US #best #dating #websites

#mature dating


Mature Dating Site
Just For The 40+

Meeting People Over Forty Is Easy

SingleAndMature is the leading senior dating site, committed to helping people in their 40s, 50s, 60s and 70s to meet like-minded people for friendship or love. Join free now and browse profiles in your postcode. Meet someone special today!

Browse Members In Your Postcode

Why Try Mature Dating Sites?

For many people, mature dating might seem like a daunting task – unsure whether potential counterparts are in a similar mindset or if you re even up for any challenges that may lay ahead. These individuals probably haven t been on a date since they were in their late 20 s or 30 s, and are just trying to get back into the dating world now after a long absense. There are many people like this on our site, people who are searching for someone but unfamiliar or even slightly reluctant about the entire process, so there s no need to feel intimidated. At you re bound to meet someone who can understand your situation and is possibly in a similar one themselves. So, if you find yourself wanting to start a new partnership then remember, it s never too late to start dating again!

Mature Dating Is Here To Stay

Ever heard of the saying You re as young as you feel Well, this quote is true, especially when it comes to mature dating. It can be difficult to enter back into the dating scene when when you re older, you might get it in your head that you re too old now to go to bars crowded with young people, but forget what others think. At points in your life you need to be a bit selfish, obviously we re not suggesting that you try to go into your old university pub for a discount pint, but going into a nice after work bar in the city is perfectly fine. Even if you feel that your age gap is different from the normal customer, it s going to be a thought that is appearing only in your mind, and in no one elses.

Even though you may be older in age, you can always keep your mind young with mature dating! Take a quick stroll through Single and Mature, and you ll find thousands of mature single women and men just like you looking for dates. Make your decision now to start dating mature individuals, and you ll see that you always have that chance to enjoy new beginnings with new people around you.

Meet Like-Minded Mature Singles

So, are you ready to meet like-minded mature single people near you? Then join free at, and realise that it s never too late for you to find that special someone who can fill your life with love and happiness once again. Don t let your age curb your enthusiasm for finding a new partner.

It doesn t matter how long you ve stopped dating; when you re ready to date and love again, you still can, and it s a guarantee that you still know how! Give our mature dating site a try today – after all, what have you got to lose?

Older Dating Has Become Mainstream

In the past, dating had always been for the younger crowd – people in their 20s and 30s were the most prevalent age groups that engaged in meeting other people through the internet. These days, however, thousands of older singles have joined the dating scene, as they increasingly feel that it s never too late for them to find love in their twilight years. Though it was considered odd even ten years ago, it s now actually a huge online dating category! The reality is that older dating sites have members which are the most successful at dating. These people are, in fact, more relaxed and open-minded as compared to the younger generation, which is why it s easy for them to find a better match.

Members Who Found Love

Online Dating Shows Us the Cold, Hard Facts about Race in America – Sociological Images #singles #online #dating #sites

#online dating statistics


Jenny L. Davis PhD on December 11, 2013

Quartz, a business and marketing website, recently released data on the Facebook dating app Are You Interested. which connects single people with others within the confines of their Facebook networks. Quartz’ data are based on a series of yes-or-no questions about who users are interested in, as well as response rates between users, once notified of a potential suitor. The data show that white men and Asian women receive the most interest, whereas black men and women receive the least amount of interest. The writers at Quartz summarize the findings as follows:

Unfortunately the data reveal winners and losers. All men except Asians preferred Asian women, while all except black women preferred white men. And both black men and black women got the lowest response rates for their respective genders.

Here s what the data looks like:

As a sociologist, I am entirely unsurprised that race matters, especially in such a personal process like dating/mating. However, these findings may come as a surprise to the (quite significant) segments of the population who identify as color-blind; those who label contemporary society post-racial.

And this is why dating sites are so cool. Social psychologists know that what people say and what they do have little empirical connection. Dating sites capture what we do, and play it back for us. They expose who we are, who we want, and of course, who we don’t want. As shown by Quartz, “we” fetishize Asian women while devaluing blacks.

With a schism between what people say and what they do; between what they say and what the unconsciously think, surveys of racial attitudes are always already quite limited. People can say whatever they want — that race doesn’t matter, that they don’t see color — but when it comes to selecting a partner, and the selection criteria are formalized through profiles and response decisions, we, as individuals and a society, can no longer hide from ourselves. The numbers blare back at us, forcing us to prosume uncomfortable cultural and identity meanings both personally and collectively.

Indeed, before anyone has answered anything, the architecture of online dating sites say a lot. Namely, by defining what can be preferences at all, they tell us which characteristics are the ones about which we are likely to care; about which we should care.

Both the user data and the presence of racial identification and preference in the first place are revealing, demolishing arguments about colorblindness and post-racial culture.

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Computer Information Systems

Solving challenges through information technology.

Today’s employers are seeking highly skilled technology professionals who know how to use technology to improve the organization’s competitive edge. Stevenson’s Bachelor of Science in Computer Information Systems is designed for those seeking a technical career in support of organizations.


Bachelor of Science

The Computer Information Systems major consists of core courses in applied programming, networking, and database design followed by an in-depth career-focused track. Many graduates of this program continue their education by pursuing a master’s degree in business and technology management or forensic studies.

In 2014, our program became one of only six undergraduate programs, in the nation, to earn “The National Centers of Digital Forensics Academic Excellence ” accreditation by Defense Cyber Crime Center (CD3.)

What Will You Learn?

  • Articulate technology skills learned and applied during academic career.
  • Perform those information technology tasks essential to chosen career path in application, network, or database design.
  • Communicate with confidence and clarity technology ideas in team meetings and public forums.
  • Demonstrate a professional competency in research, analysis, and business writing.
  • Converse in the languages of application, network, and database design.
  • Assess business problems using analytical and critical thought processes to identify the best technology solution.
  • Pursue an IT career as a well-rounded technology professional, able to leverage talents and interests.

A complete listing of learning objectives for the Computer Information Systems program can be found in our Academic Catalog.
Learning Objectives

Why Study Computer Information Systems?

Whether your career goal is in software development, cyber security, or network design and support, Stevenson’s Computer Information Systems degree will prepare you to become a confident communicator in the corporate boardroom as well as an asset to the company’s IT department.

  • Learn to assess business problems and select and implement the best technical solutions for organizational goals.
  • Analyze and manipulate complex network infrastructures, and design and implement a network security plan.
  • Design and develop software solutions not only for the Web but also for today’s wireless devices.
  • Secure networks and infrastructures to ensure the integrity of data and security of personal and corporate information.
  • Apply knowledge of operating systems to construct various networking environments.

Courses and Requirements

The courses listed below are required for completion of the bachelor’s degree in computer information systems. Students must also complete the requirements for the Stevenson Educational Experience (SEE).

Specific pre- and co-requisites for each course are listed in the course descriptions.

Major Requirements


Computer Forensics Track

Upon completion of the computer forensics track, graduates will be able to:

  • Analyze and manipulate complex network infrastructures.
  • Design and implement a network security plan.
  • Construct an incident response team.
  • Evaluate an end-to-end computer forensics investigation.
  • Carry out evidence collection according to established protocols.
  • Assemble testimonial evidence to act as an expert witness at a trial.

Network Design Track

Upon completion of the network design track, graduates will be able to:

  • Assess business problems and implement the best network solution.
  • Apply knowledge of operating systems to construct various networking environments.
  • Design messaging systems for problem reporting and resolution.
  • Formulate secure network infrastructures in efficient topologies.
  • Implement integrated voice and data services.

Software Design Track

Upon completion of the software design track, graduates will be able to:

  • Assess business problems and select and implement the best programming language environment.
  • Formulate software solutions for the desktop computing platform.
  • Design software solutions for the Internet.
  • Integrate database solutions with web and desktop applications.
  • Develop software solutions for wireless handheld devices.


The minor in information systems requires successful completion of a minimum of six courses and 18 credits with an IS prefix. All course prerequisites must be met to be eligible to take the selected course for a minor. Please see an academic advisor for more information. General guidelines regarding minors may be found in the Minors section of the catalog.

BS/MS Option

The BS/MS option is available for students majoring in Computer Information Systems who wish to combine their bachelor’s coursework with work toward a master’s degree in one of Stevenson’s graduate programs. Students choosing this option may earn their master’s degree in as little as one year after their bachelor’s degree. Interested students must formally apply for entrance into a BS/MS option in their junior year. Once admitted into this program, students develop an educational plan in consultation with their undergraduate and graduate advisors. For more information on this program see the School of Graduate and Professional Studies catalog.

Last Updated: 06/07/2017