NEWS The Michigan Daily - Tuesday, December 7, 2004 - 7 CREDIT Catherine Pulley, spokeswoman for the American Bankers Association edu- Continued from page 1 cation foundation, said banks and credit experts agree. card companies do not market more Richard said he disagrees that the aggressively to college students than companies' motives stem from finding other Americans. customers without debt. "College students are no different "Credit card people market to col- than other consumers," she said. "In lege students because they spend a the heavy competition of the credit lot," Richard said. "The majority of card industry, all consumers are heav- them overspend." ily marketed to." Richard argues that college stu- The Institute of Consumer Educa- dents have roughly the same credit tion educates college students and other histories as the rest of the population consumers about the dangers of credit and no better. card debt. They pass out "credit card "Some college students have good condoms" and warning labels. The con- credit histories, but for the most part, doms are sleeves that slide over cards they have no or poor histories," Rich- with messages such as "If You can Eat ard said. "When these marketers are It, Drink it, Or Wear It, It is NOT an telling you that you have good credit EMERGENCY" to make consumers and that's why they're going after you, think before they spend. The warning that's bull crap." labels have messages such as "Can I Seven percent of students don't pay Afford It?" and "Warning: Overuse is back their minimum balances at the Dangerous." end of each month, about the same as "This is the generation where cred- the general population's rate, accord- it cards are viewed as yuppie food ing to the Institute of Consumer Edu- stamps where you don't have respon- cation. sibility." the michigan daily :x TECHNOLOGY Continued from page 1 Tenured professors, by contrast, have guaran- teed spots at the University, and consequently can take the time to learn how to use new skills, Bayer said. "For professors with tenure, using technology isn't taking away from their portfo- lio," she said. The Educause center suggests that most pro- fessors surveyed aren't willing to research new technology on their own. The firm queried profes- sors at Brandeis University, Wesleyan University and Willians College who did not use technology such as class websites, online chat rooms or online grading for assignments. Of the 184 professors surveyed, 24 percent said they didn't have the time to learn the technology. Twenty-seven percent said they didn't know about the benefits, 17 percent said the technology was inappropriate for their classes and 23 percent said it wasn't worth using. Unlike most professors, tenured University geology Prof. Ben Van Der Pluijm took the ini- tiative to acquire an in-class responder unit for his geology lecture. Each student can answer his questions by punching buttons on an electronic answering device at their seats. The responses are further discussed in class. Van Der Pluijm said he requested the unit because he "wanted to make the large classroom setting more interesting and engaging." Van Der Pluijm said he doesn't blame younger professors for not embracing technology since they have so many career pressures. He said "class- rooms should be better equipped to use modern technology, so professors can see the potential and set it up." Stephanie Teasley, the director of the user sup- port and design lab for Ctools - the University's web service for online coursework - said she agrees with Pluijm that technology should be more readily available to professors. "There is a void of knowledge about how technology should be used in the classroom," she said. LSA students say their professors do not use the simplest technology, such as PowerPoint, effec- tively. Wagner said "you can fix the problem by teaching teachers how to create an effective Pow- erPoint presentation." Some students say professors have more trouble with equipment at the beginning of the semester but adjust to it as the semester progresses. "Tech- nology slows the class down," LSA sophomore Jeff Leibovitch said about his musical composi- tion class. "Now, it's fine, but at the beginning of the semester my professor wasn't used to the equipment." LSA sophomore Ely Key also said professors have difficulty. "There just always seems to be some type of technical difficulty. Sometimes you go into class and the professor seem to have no idea what he is doing," he said. James Hilton, associate provost for academic, informational and technological affairs, said there are instructional services offered to teach technol- ogy to all University faculty, but a lot of training is upheld by each college individually. "I don't mandate if faculty are going to use (new technology). Some of the tools are going to work really well for some faculty and some will not," Hilton said. Bayer said it is very difficult to "match the right technology to the learning activity. It can take years to master the "sweet spot," she wrote in an e-mail. Paul Killey, executive director for information- al technology at the College of Engineering, said since there are fewer lecture halls and less infor- mation technology classroom support, it is harder to promote technology in engineering. "Some of the faculty are getting pretty good at this stuff. ... However, it's a process that doesn't happen in one day," he said. GREAT CENTRAL CAMPUS APARTMENT LOCATIONS! 608 Monroe (Behind S. Quad) Type Price Term Eff. $680 Fall Bi-Level1 $1000 Fall Medium 2 $1100 Fall Large 2 $1200 Fall Call Mike at 734-717-4276 or Joe at 734-604-8495 815 S. State(Between Arbor and Hill) Type Price Term Large 2 Bdrm. $1200's Fall Call Matt at734-341-9501 711 Arch Type Price Term 1 Bdrm. Studio $680 Fall Medium 2 $1000 Fall Large 2 $1050 Fall Large 3 $1670 2 Fall/i May Call Phil at 734-662-5270 Each building overt$100K in capital improvements. Rent Matches 2004 Prices. Call above numbers for Appts. & Showings. BIG HOUSES AVAIL. 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Garage, prkg., idry. incl. Quiet area, easy walk to campus. $400, OBO. 761-9573. APT. FOR SUBLET 2nd. semester and/or spring/summer. 2 bdrm. bi-level apt. w/ 1.5 bath., balc., prkg., A/C, fully fum., ldry. facil- ities in bldg. Loc. at 912 S. Forest. Rent is neg. 212-300-6867 email jspitzer@umich.edu GET $100 CASH + free rent! Share 2 bdrm., $425/mo. www.mnich.edu/-resaki/apt.htm !!!BARTENDER TRAINEES $300!!! a day potential, Age 18+ ok. No experience neces- sary,trainingprovided. 800-965-6520x 125. !!!BARTENDING $300/DAY!!! DON'T be ripped off by mail order scams and phony certifications. Bartending jobs don't come in the mail. Bar managers only hire those with hands-on exp. Go to local state approved hands-on school, Mix Masters School of Bar- tending. 734-513-3600. www.icammix.com COMPUTER JOBS! THE UM Medical School is hiring students to work in the Leaming Resource Center Computer Sites. Basic knowledge of Macintosh and Windows computers is essential. 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