What Would You Like to Know: The International Space Station!

Everyone, at some point in their life, ponders what it would be like to explore the vast world of outer space. For many of us, it’s just not a possibility. For others, it’s a chance to explore a new world on the behalf of mankind in hopes of launching our species to other worldly destinations and possibilities for human growth. Having said that, our next topic for WWYLK (What Would You Like to Know?) has been voted to be the International Space Station (ISS).

A large reason behind ISS is to, “enable long-term exploration of space and provide benefits to people on Earth.” This includes research on the physical and mental affects during lengthened trips in space. Some side effects to prolonged exposure to space conditions include loss of bone density, as well as, redistribution of bodily fluids and increased exposure to radiation coming from energy particles and sources outside the solar system. The ISS will also help to answer questions in regards to growing food and livestock in outer space, things necessary to an eventual trip to mars. [1] Space Picture

Boeing is the prime contractor of the ISS and spans the length of one football field. Boeing’s site tells us that, “Boeing built all of the major U.S. elements. In addition, Boeing oversees thousands of subcontractors around the globe and works with 16 international partners on the project.” Building began in 1998 and was built piece by piece over several years. It consists of five bedrooms, two bathrooms, a gym and a 360 degree bay window for viewing. The space station currently weighs 861,804 lbs and has been visited by more than 204 people to date.

The space station also plays a critical role in tracking and monitoring the effects of air pollution and climate change on earth. In the planning stages for years, construction of the International Space Station began with the launch of the U.S.-owned, Russian-built Zarya control module on November 20, 1998, from the Baikonur Cosmodrome in Kazakstan. [2] Special docking parts allow for the ISS to be visited by a wide variety of space shuttles. Completion on the ISS is expected towards the end of the decade. When complete, a six man crew will be able to live in a space the size of a five bedroom house. [3]

Sources:
[1]http://www.esa.int/Our_Activities/Human_Spaceflight/Cervantes_Mission/The_importance_of_science_on_the_International_Space_Station
[2] http://space.about.com/b/2004/08/31/international-space-station-a-brief-history.htm
[3] http://science.nationalgeographic.com/science/space/space-exploration/international-space-station-article/

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Getting to Know a Genius: Michele R.

Michele At rateGenius we believe it is important for our customers to know who is helping them with their auto refinance. Geniuses are the foundation to the rateGenius Loan Services program and help to provide a great experience and save you money. Each week we will introduce a new member of our team. In this week’s edition, let’s get to know Michele R., Loan Officer.

 

1. How long have you been a Genius?
Well obviously, since birth. I’ve been a “Rate Genius” since July 2010

2. What was your favorite thing about where you grew up?
My favorite thing about growing up was all the activities I was involved in- I used to do figure skating, was on a year round swim team and played soccer and volleyball.

3. What is one major goal in your life?
To purchase my own home.

4. Would you rather fly a dragon or a unicorn? And why?
That’s a trick question- I’d breed the two and fly the baby drag-icorn

5. What is the most interesting conversation you have had with someone trying to refinance?
Oh boy, you seriously dont want to know! I’m always amazed at the things people share…

6. If you could have named yourself when you were born, what would your name be?
“Awesome”

7. What is the one thing you would change about American culture?
I wish I could change people’s feeling of entitlement- rather than working for what they have I see so many that expect everything to be handed to them.

8. What is your biggest fear?
Losing the people I love for sure!

9. What is something your co-workers don’t know about you?
Hmmmm, that’s a tough one! I guess that under my “Fearless, tough, I can handle anything you throw my way and smile while doing it” exterior, they will find a softie that cares about others more than they know and more than I show!

10. What kind of coat can only be worn when wet?
What in the world?!?!?! I have no idea!

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What Would You Like to Know: The History of Turtleneck Sweaters!

 

turtleneck-sweatersA turtleneck can also be referred to as a polo neck, roll-neck or skivvy. This particular garment has been around for hundreds of years and dates back to the 15th century. A few hundred years later they were commonly worn by menial workers, athletes, sailors and eventually Steve Jobs.[1]

Turtlenecks eventually became fashionable in the United States around the 1920s and were associated with the middle class. This was eventually a dress style commonly represented by existentialism [1](existentialism: A philosophy that emphasizes the uniqueness and isolation of the individual experience in a hostile or indifferent universe, regards human existence as unexplainable, and stresses freedom of choice and responsibility for the consequences of one’s acts.).

By the late 1950’s, the turtleneck had become associated as preppy. The turtleneck is an article of clothing that has worn many different hats in its day. From rebellion to existentialism to prep and class, we should look to the turtleneck as an American icon.

Designer Roy Halston Frowick once described the turtleneck as:

“Turtlenecks are the most comfortable garment you can wear.They move with the body, and they’re flattering too, because they accentuate the face and elongate the figure. They make life so easy: you can wear a turtleneck to work and then afterwards throw on a jacket, and it becomes very dressy. You can go anywhere you like.” [1]

I will now be petitioning for a turtleneck sweater day in the office!

[1] Wikipedia: http://en.wikipedia.org/wiki/Polo_neck

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Power of Attorney Forms for Auto Refinance

Why do I need to provide a Power of Attorney when refinancing my auto loan?  This question comes up frequently as people are completing their auto refinance loan documents.  It’s necessary to complete the title work for transferring your vehicle loan from your old lien holder to your new lender.

Look at it this way… do you enjoy going down to the DMV and waiting in the forever, long line to get your drivers license updated?  That’s the same long line in order to get your title updated as well, and you need the change of title in order to process your loan.  Therefore, the Power of Attorney form allows the company and/or lender processing your loan to complete the title work on your behalf.

Always be sure to ask questions if you don’t understand something, and read all the documents in your loan package (including the Power of Attorney form) before signing.

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Getting to Know a Genius: Holly R.

Holly At rateGenius we believe it is important for our customers to know who is helping them with their auto refinance. Geniuses are the foundation to the rateGenius Loan Services program and help to provide a great experience and save you money. Each week we will introduce a new member of our team. In this week’s edition, let’s get to know Holly R., Fulfillment Team Lead.

 

 

How long have you been a Genius?
28 years, 4 months, 14 days. A rateGenius for 2 years & 7 months.

Tell us something your coworkers don’t know about you.
I was in People Magazine back in 2004. It was a political piece and a friend of mine from Houston, Shelley, needed people for a photo shoot. She had transformed her old truck into an Anti-Bush truck. There was a HUGE pink slip, like a slip women wear (Give Bush the Pink Slip) and a bunch of men and women all wearing pink slips with slogans written on them. Before I start a political war and everyone starts flippin’ out, I am not a democrat or republican–Shelley needed bodies and I happen to have a pretty nice one. Why would I deprive the world of that??? You’re all welcome.

Which historical figure do you admire most?
There are way too many people to pick one… I’m going to go with whoever invented the automobile. I tried to Google one specific person who invented the first vehicle and apparently even Google can’t give me a straight answer. BUT if it wasn’t for that person, rateGenius would not be around and we wouldn’t have customers needing their vehicles refinanced.

If you could see through the eyes of any animal, what would it be?
A Killer Whale, the ocean is cool and huge, plenty of room for me and my friends, I don’t have to worry about my weight or watch what I eat, me and my squad plan out crazy awesome attacks on great white sharks… It just seems cool.

If you didn’t need a job what would you do with your time?
I am a busy body! I couldn’t imagine not having a job… This question doesn’t specify if I’m rich or not….
So if I’m loaded, I would travel obviously and then do something to help out my fellow humans—build houses or something for people who can’t afford it… Pay off both my parent’s houses/debts. Throw some outrageous parties. But if I’m broke I’d probably walk around aimlessly, live under the bridge, ask people for money for food even though we all know the money isn’t going towards food.

Would you rather be a Pirate or a Ninja?
This is tuff… I’m going to go with Pirate. Only for the simple fact that I love giving people a hard time and I talk a LOT of trash… Ninjas have to be quiet so they are able to sneak up on fools… Pirates just keep it real and upfront. They also get booze, so that’s a plus.

What is your favorite childhood memory?
Uhhh, one of my most memorable memories is meeting George Foreman and Charles “Doc” Broadus (one of the best boxing coaches ever). My Father owned his own business building museum exhibits. He built the exhibit in the Sports Hall of Fame in Waco, TX honoring Foreman. I’m not sure what age I was, but I believe it may have been right after he won the heavyweight championship (again?)…it’s been a rough few decades since then so I can’t remember. We had Pepsi and hot-wings together though!

What is your favorite thing to cook?
Well, I was recently diagnosed w/Celiac disease so I cannot eat a lot of the things I love to cook b/c of gluten… I will tell you, having to re-learn food after pretty much eating w/e you want for 28 years is NOT fun and extremely time consuming! However, I am a Cajun on both sides of my family… so I love Cajun food…shrimp, gator, crab…it’s all good.

What is the scariest thing you have ever done?
Came into work 5 minutes late… was not aware that was our Senior VP’s biggest pet peeve. I learned that lesson real quick.

What jumps when it walks and sits when it stands?
A Kangaroo?

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Getting to Know a Genius: Julie S.

jaclyn_bAt rateGenius we believe it is important for our customers to know who is helping them with their auto refinance. Geniuses are the foundation to the rateGenius Loan Services program and help to provide a great experience and save you money. Each week we will introduce a new member of our team. In this week’s edition, let’s get to know Julie S., Business Development Manager.

 

 

How long have you been a Genius?
6.5 yrs

Why do you enjoy working for rateGenius?
For one, who can beat getting to work with a huge team of friends everyday? And two, we’re given flexibility to be creative and try new ideas within each of our roles here at RG. This approach has allowed the company to grow to the success it is today, while still adhering to our core focus of providing a great value to our customers and lending partners.

Tell us something your coworkers don’t know about you.
Growing up in Iowa, I walked the cornfields each summer during my high school years detasseling corn. Great money, and helped me pay for college. If you’re not from the Midwest, Google “detasseling” for your lesson in hybrid corn… it’s enough to put you to sleep.

What is the scariest thing you have ever done?
I rode the Human Slingshot at the state fair. I screamed like a little girl… wait, I am a girl?!

Do you have any hidden talents?
I was on a jump rope demonstration team… nerdy, yes. But it was great exercise and provided an opportunity to visit Australia when I was 16.

What was your favorite subject in high school?
Journalism… loved it so much that I ended up getting a Bachelor of Journalism from the University of Texas. Hook’em!

What is one major goal in your life?
Together with my hubby, I want to someday make it to see a game in each baseball stadium across the US.

Which historical figure do you admire most and why?
Rosa Parks. She was a strong, determined woman who stood up for what she believed in… and darn it, all she wanted to do was get to work!

Would you rather live under the ocean or in outer space?
Either would give me a panic attack.

If you could add a holiday what would it be?
My birthday. My husband already lovingly designates the week around my birthday to be “Julie-anukkah.”

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Big Rate Drop

We at rateGenius have great visibility into interest rates for automobile purchases across the country. These rates are important to us to ensure we are saving the consumer or borrower money by refinancing their vehicle with a new lender in our network.

In one recent analysis, rateGenius Marketing Service looked at the current rate (February 2013) of open auto loans across the country and compared it to the interest rate of a similar selection of open auto loans in January 2013. The analysis included approximately 800,000 loans.Stock-market-crash

In just one month, the rates that we analyzed dropped nearly 24 basis points (0.24%). That is a significant drop considering the time period and that most auto loans have a term of 48-60 months.

The reason? We suspect there are a number of factors influencing this result: the lending markets continue to ease which increases liquidity, the rates set by the Federal Reserve remain incredibly low, and lending institutions continue to get more competitive with their guidelines and rates.

The result? This is an improving environment for borrowers!

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Getting to Know a Genius: Jaclyn B.

jaclyn_bAt rateGenius we believe it is important for our customers to know who is helping them with their auto refinance. Geniuses are the foundation to the rateGenius Loan Services program and help to provide a great experience and save you money. Each week we will introduce a new member of our team. In this week’s edition, let’s get to know Jaclyn B., Human Resource Manager.

 

 

How long have you been a Genius?
Since December of 2011!

Why do you enjoy working for rateGenius?
I enjoy working for rateGenius because of the employees here. We have gone through such an expansive growth within the last year and I have thoroughly enjoyed being a part of growing rateGenius into what it is today. We are one huge family and we are all very close. RateGenius is my home away from home!

Tell us something your coworkers don’t know about you.
I would have to say one of the things that most people do not know about me is that I graduated high school when I was 16 and went straight into college.

If there was a movie about your life, who would play your character and why?
You all are going to think this is funny, but I would say Selena Gomez. I am constantly getting stopped by kids asking me for my autograph because they believe I look like her. One young girl even started crying because she thought I was lying to her when I said I wasn’t Selena, so her mom asked me to just sign Selena’s name (Selena, if you somehow see this, I hope you don’t mind, but I just couldn’t bare to see her cry).

If you could spend a day in anyone’s shoes, who would it be?
I would want to be the President of the United States for a day just to see what it is like to have all that power!

If you could have named yourself when you were born, what name would you pick?
I have thought about this my entire life…weird, I know, but with a name like “Jaclyn Box” you tend to get several nicknames growing up. Now that I am older, I wouldn’t want to change my name. My name tends to be a conversation starter a lot of times.

What was the first album you ever bought?
I was a huge Backstreet Boys fan growing up and I had all of their CDs.

What do you find interesting in the news right now?
There are several things in the news that I am interested in today. Being in the HR field though, I am most interested in the health care changes and how they could affect our employees.

If you could add a holiday, what would it be?
Well everyone knows I love to shop, so I would add a national shopping day where we could be off just to go shopping!

What is your biggest fear?
Death is my biggest fear. Not so much as me passing away, but more my family. I am very close with my family members and couldn’t imagine my life without any of them!

Why are teddy bears never hungry?
Because they are always stuffed!! Haha I guessed this one right! (Sorry I had to Google it and make sure I wasn’t wrong, you know I am a perfectionist!).

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Getting to Know a Genius: Jennifer C.

jennifer_cAt rateGenius we believe it is important for our customers to know who is helping them with their auto refinance. Geniuses are the foundation to the rateGenius Loan Services program and help to provide a great experience and save you money. Each week we will introduce a new member of our team. In this week’s edition, let’s get to know Jennifer C., Title Manager.

 

 

How long have you been a Genius?
I have been a Genius for 6 wonderful years!!!

Why do you enjoy working for rateGenius?
The reason I have stayed a Genius for so many years is the staff. Everyone here is so amazing, their personalities are great and we all have the same goal…to make ALL members happy that they choose rateGenius. Also, I love doing what I do. When someone asks me about titles, the look on their face says everything…”This lady is speaking to me in Avatar!”.

What happened in the media recently that you find interesting?
It would definitely have to be about the lady that was living at that retirement home where she stopped breathing, and the workers there would not perform CPR on her to save her life because it was not in their job description. I’m sorry, but even if I was going to be fired for saving someone’s life, I think it would be well worth it.

What is one major goal in your life?
To publish a kid’s book. I already have a name for it, too. It will be titled “Nano & Chuckie”.

Which historical figure do you admire most?
My grandmother! She is the most passionate, caring and brave person that I have ever known…soooo does that mean I just called her “historical”? Sorry Grandma.

If you could go back in time, what period would you visit?
Hmmm, I think I would like to go to the 1800s. I just want to witness for myself how people acted and talked back then. Most of all, I want to dress up in those awesome dresses that the ladies used to wear. You know, the ones where they can’t breath in and they are all puffy at the ends…yep, those dresses are awesome.

What is the weirdest place you’ve been?
Although I am an army brat and have lived in many states, I would have to say the weirdest place I have been to was the wax museum. Ok, now walking around looking at waxed people is just scary. Have you ever seen the movie house of wax? Creepy!!!

If a rock and a shovel got into a fight, who would win?
Umm, who made up these questions? Well let’s see, I would have to go with the shovel because the shovel can just bury the rock and be done with it. End of story.

Tell us something your coworkers don’t know about you.
That I am the next American Idol—wait, they may have a clue because I sing at my desk all the time!!! So that is probably not a secret.

What is the difference between here and there?
Well, here is right where I am at and there is right over there. You see where I am pointing? Well that is where there is.

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Getting to Know a Genius: Grant W.

grant_wAt rateGenius we believe it is important for our customers to know who is helping them with their auto refinance. Geniuses are the foundation to the rateGenius Loan Services program and help to provide a great experience and save you money. Each week we will introduce a new member of our team. In this week’s edition, let’s get to know Grant W., Loan Processor.

 

 

How long have you been a Genius?
I’ve worked at rateGenius for the past year and a half. I started in accounting and later transferred over to the loan processing department.

What was the first concert you attended?
I can’t remember the very first concert I ever attended, but one of the first was Journey. Between the over-priced and over-sized beer, losing my voice from screaming like an idiot, and people constantly bumping into me…I’d have to say it was well worth it.

What’s your favorite sports team?
I think the last time I watched a full sports game was when Michael Jordan played for the Chicago Bulls right before Space Jam came out. Clearly not a huge sports fanatic here.

Did you watch the Oscars?
I did not watch the Oscars. I think I was out for Sunday Funday at the time. I did, however, follow up on all the gossip the next day essentially getting the cliff notes version.

What’s your favorite music or sporting event?
SXSW, and ACL are both pretty fun, but I really love Blues on the Green here in Austin, or stopping by The Elephant Room on a Friday or Saturday night.

What is your biggest fear?
Public speaking, which is odd because I talk incessantly on a regular basis.

What was your favorite toy as a child?
I’m pretty sure it was one of those red wagons. Why walk when you can make people pull you around? This lasted until I was 8ish and I couldn’t con anyone into it anymore. I was always jealous of my sister’s easy bake oven though.

Would your rather be an astronaut or a paleontologist?
Paleontologist. Dinosaurs are awesome. Plus, imagine if something went wrong in your space shuttle after takeoff. You’re SOL at that point.

If you could add a holiday, what would it be?
My birthday, that way I wouldn’t feel like such a jerk when I take off work for it every year.

What goes around the world, but stays in the corner?
A postage stamp. I wasn’t smart enough to figure this one out, so I googled it.

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